Premium Home Loan Fixed 12 mths P&I Owner Occupied

Home loansBank updated 10 June 2026

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At a glance

Variable (owner occ. P&I): 6.29%
Fixed: 1 yr 6.44%
Features: offset, redraw, extra repayments

§ 01 — Rates · 2

Type	Applies to	Term	Band	Rate	Comparison	Conditions
FixedCredit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $100,000 and up to 95% of property value.	Owner occupied · P&I	1 yr fixed	—	6.44%	6.45%	—
Variable	Owner occupied · P&I	—	—	6.29%	—	—

§ 02 — Fees · 3

Fee	Type	Amount	When	Notes
SWITCH_FEE	Event	$250	—	—
LOAN_SECURITY_DISCHARGE_FEE	Exit	$200	—	—
MORTGAGE_ESTABLISHMENT_FEE	Upfront	$155	—	—

§ 03 — Features

Offset accountRedrawExtra repayments

· Included in Relationship Rebate
· Can be used for building
· Easy to apply for loan
· Partial split loan
· Suitable for vacant land

§ 04 — Eligibility & limits

· Minimum age 18
· Residency: Must be an Australian citizen or permanent resident
· Minimum balance $30,000
· Lending criteria, terms and conditions apply
· Up to 95% of the valuation for owner occupied (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Up to 92% of the valuation for investment (Lenders Mortgage Insurance applies for ov…

§ 05 — Compare

All home loans →Other ORANGE CREDIT UNION LTD home loans Everything ORANGE CREDIT UNION LTD publishes

§ 06 — Run the numbers

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Published by ORANGE CREDIT UNION LTD under the Consumer Data Right, last changed by them on 10 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.