Orange Credit Union LtdPremium Home Loan Variable
Premium Home Loan Variable
Home loansBank updated 7 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 6.54%6.59% comparison
- Variable (investor P&I)
- 6.79%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 76th lowest of 104, level with 5 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.89% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 75th lowest of 104, level with 4 others |
Rates
Every rate Orange Credit Union Ltd publishes for this home loan, 36 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%6.54%
- 60–80%6.64%
- >80%6.84%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Introductory | Investment, Interest only | 1 yr intro | ≤60% LVR | 6.89% | 6.94% | - |
| Introductory | Investment, Interest only | 1 yr intro | 60–80% LVR | 6.99% | 7.04% | - |
| Introductory | Investment, Interest only | 1 yr intro | >80% LVR | 7.19% | 7.24% | - |
| Introductory | Investment, Interest only | 2 yrs intro | ≤60% LVR | 6.89% | 6.94% | - |
| Introductory | Investment, Interest only | 2 yrs intro | 60–80% LVR | 6.99% | 7.04% | - |
| Introductory | Investment, Interest only | 2 yrs intro | >80% LVR | 7.19% | 7.24% | - |
| Introductory | Investment, Interest only | 3 yrs intro | ≤60% LVR | 6.89% | 6.94% | - |
| Introductory | Investment, Interest only | 3 yrs intro | 60–80% LVR | 6.99% | 7.04% | - |
| Introductory | Investment, Interest only | 3 yrs intro | >80% LVR | 7.19% | 7.24% | - |
| Introductory | Investment, Interest only | 4 yrs intro | ≤60% LVR | 6.89% | 6.94% | - |
| Introductory | Investment, Interest only | 4 yrs intro | 60–80% LVR | 6.99% | 7.04% | - |
| Introductory | Investment, Interest only | 4 yrs intro | >80% LVR | 7.19% | 7.24% | - |
| Introductory | Investment, Interest only | 5 yrs intro | ≤60% LVR | 6.89% | 6.94% | - |
| Introductory | Investment, Interest only | 5 yrs intro | 60–80% LVR | 6.99% | 7.04% | - |
| Introductory | Investment, Interest only | 5 yrs intro | >80% LVR | 7.19% | 7.24% | - |
| Introductory | Owner occupied, Interest only | 1 yr intro | ≤60% LVR | 6.64% | 6.69% | - |
| Introductory | Owner occupied, Interest only | 1 yr intro | 60–80% LVR | 6.74% | 6.79% | - |
| Introductory | Owner occupied, Interest only | 1 yr intro | >80% LVR | 6.74% | 6.79% | - |
| Introductory | Owner occupied, Interest only | 2 yrs intro | ≤60% LVR | 6.64% | 6.69% | - |
| Introductory | Owner occupied, Interest only | 2 yrs intro | 60–80% LVR | 6.74% | 6.79% | - |
| Introductory | Owner occupied, Interest only | 2 yrs intro | >80% LVR | 7.04% | 7.09% | - |
| Introductory | Owner occupied, Interest only | 3 yrs intro | ≤60% LVR | 6.64% | 6.69% | - |
| Introductory | Owner occupied, Interest only | 3 yrs intro | 60–80% LVR | 6.74% | 6.79% | - |
| Introductory | Owner occupied, Interest only | 3 yrs intro | >80% LVR | 7.04% | 7.09% | - |
| Introductory | Owner occupied, Interest only | 4 yrs intro | ≤60% LVR | 6.64% | 6.69% | - |
| Introductory | Owner occupied, Interest only | 4 yrs intro | 60–80% LVR | 6.74% | 6.79% | - |
| Introductory | Owner occupied, Interest only | 4 yrs intro | >80% LVR | 7.04% | 7.09% | - |
| Introductory | Owner occupied, Interest only | 5 yrs intro | ≤60% LVR | 6.64% | 6.69% | - |
| Introductory | Owner occupied, Interest only | 5 yrs intro | 60–80% LVR | 6.74% | 6.79% | - |
| Introductory | Owner occupied, Interest only | 5 yrs intro | >80% LVR | 7.04% | 7.09% | - |
| Variable | Investment, P&I | - | ≤60% LVR | 6.79% | 6.84% | - |
| Variable | Investment, P&I | - | 60–80% LVR | 6.89% | 6.94% | - |
| Variable | Investment, P&I | - | >80% LVR | 7.09% | 7.14% | - |
| Variable | Owner occupied, P&I | - | ≤60% LVR | 6.54% | 6.59% | - |
| Variable | Owner occupied, P&I | - | 60–80% LVR | 6.64% | 6.69% | - |
| Variable | Owner occupied, P&I | - | >80% LVR | 6.84% | 6.89% | - |
Rate changes
36 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Introductory, Investment, Interest only, 1 yr intro, ≤60% LVR | 6.64% | 6.89% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 1 yr intro, 60–80% LVR | 6.74% | 6.99% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 1 yr intro, >80% LVR | 6.94% | 7.19% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 2 yrs intro, ≤60% LVR | 6.64% | 6.89% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 2 yrs intro, 60–80% LVR | 6.74% | 6.99% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 2 yrs intro, >80% LVR | 6.94% | 7.19% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 3 yrs intro, ≤60% LVR | 6.64% | 6.89% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 3 yrs intro, 60–80% LVR | 6.74% | 6.99% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 3 yrs intro, >80% LVR | 6.94% | 7.19% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 4 yrs intro, ≤60% LVR | 6.64% | 6.89% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 4 yrs intro, 60–80% LVR | 6.74% | 6.99% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 4 yrs intro, >80% LVR | 6.94% | 7.19% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 5 yrs intro, ≤60% LVR | 6.64% | 6.89% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 5 yrs intro, 60–80% LVR | 6.74% | 6.99% | up 0.25 |
| 8 Oct 2026 | Introductory, Investment, Interest only, 5 yrs intro, >80% LVR | 6.94% | 7.19% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 1 yr intro, ≤60% LVR | 6.39% | 6.64% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 1 yr intro, 60–80% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 1 yr intro, >80% LVR | 6.79% | 6.74% | down 0.05 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 2 yrs intro, ≤60% LVR | 6.39% | 6.64% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 2 yrs intro, 60–80% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 2 yrs intro, >80% LVR | 6.79% | 7.04% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 3 yrs intro, ≤60% LVR | 6.39% | 6.64% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 3 yrs intro, 60–80% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 3 yrs intro, >80% LVR | 6.79% | 7.04% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 4 yrs intro, ≤60% LVR | 6.39% | 6.64% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 4 yrs intro, 60–80% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 4 yrs intro, >80% LVR | 6.79% | 7.04% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 5 yrs intro, ≤60% LVR | 6.39% | 6.64% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 5 yrs intro, 60–80% LVR | 6.49% | 6.74% | up 0.25 |
| 8 Oct 2026 | Introductory, Owner occupied, Interest only, 5 yrs intro, >80% LVR | 6.79% | 7.04% | up 0.25 |
| 8 Oct 2026 | Variable, Investment, P&I, ≤60% LVR | 6.54% | 6.79% | up 0.25 |
| 8 Oct 2026 | Variable, Investment, P&I, 60–80% LVR | 6.64% | 6.89% | up 0.25 |
| 8 Oct 2026 | Variable, Investment, P&I, >80% LVR | 6.84% | 7.09% | up 0.25 |
| 8 Oct 2026 | Variable, Owner occupied, P&I, ≤60% LVR | 6.29% | 6.54% | up 0.25 |
| 8 Oct 2026 | Variable, Owner occupied, P&I, 60–80% LVR | 6.39% | 6.64% | up 0.25 |
| 8 Oct 2026 | Variable, Owner occupied, P&I, >80% LVR | 6.59% | 6.84% | up 0.25 |
Each change is logged the night it appears in the rates Orange Credit Union Ltd publishes. See how every lender answered the RBA on the rate tracker.
Fees
3 fees published, grouped by when they're charged.
- When you take it out$155MORTGAGE_ESTABLISHMENT_FEE
- While you hold itNo fee published
- When you close it or pay it off$200LOAN_SECURITY_DISCHARGE_FEE
When you take it out1
- MORTGAGE_ESTABLISHMENT_FEE$155
When particular things happen1
- SWITCH_FEE$250
When you close it or pay it off1
- LOAN_SECURITY_DISCHARGE_FEE$200
Features
Offset accountRedrawExtra repayments
- Ability to increase loan amount (Loan Top Up)
- Early repayments without penalty
- Partial split loan
- Included in Relationship Rebate
- Can be used for building
- Easy to apply for loan
- Interest only repayments (up to 5 years)
- Variable and lump sum repayments
Eligibility and 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…
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Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 7 Oct 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.