ORANGE CREDIT UNION LTD
Premium Home Loan Variable
Premium Home Loan Variable
Home loansBank updated 9 June 2026
At a glance
- Variable (owner occ. P&I)
- 6.29% · 6.34% comparison
- Variable (investor P&I)
- 6.54%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 36
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Introductory | Investment · Interest only | 1 yr intro | ≤60% LVR | 6.64% | 6.69% | — |
| Introductory | Investment · Interest only | 1 yr intro | 60–80% LVR | 6.74% | 6.79% | — |
| Introductory | Investment · Interest only | 1 yr intro | >80% LVR | 6.94% | 6.69% | — |
| Introductory | Investment · Interest only | 2 yrs intro | ≤60% LVR | 6.64% | 6.69% | — |
| Introductory | Investment · Interest only | 2 yrs intro | 60–80% LVR | 6.74% | 6.79% | — |
| Introductory | Investment · Interest only | 2 yrs intro | >80% LVR | 6.94% | 6.69% | — |
| Introductory | Investment · Interest only | 3 yrs intro | ≤60% LVR | 6.64% | 6.69% | — |
| Introductory | Investment · Interest only | 3 yrs intro | 60–80% LVR | 6.74% | 6.79% | — |
| Introductory | Investment · Interest only | 3 yrs intro | >80% LVR | 6.94% | 6.69% | — |
| Introductory | Investment · Interest only | 4 yrs intro | ≤60% LVR | 6.64% | 6.69% | — |
| Introductory | Investment · Interest only | 4 yrs intro | 60–80% LVR | 6.74% | 6.79% | — |
| Introductory | Investment · Interest only | 4 yrs intro | >80% LVR | 6.94% | 6.69% | — |
| Introductory | Investment · Interest only | 5 yrs intro | ≤60% LVR | 6.64% | 6.69% | — |
| Introductory | Investment · Interest only | 5 yrs intro | 60–80% LVR | 6.74% | 6.79% | — |
| Introductory | Investment · Interest only | 5 yrs intro | >80% LVR | 6.94% | 6.69% | — |
| Introductory | Owner occupied · Interest only | 1 yr intro | ≤60% LVR | 6.39% | 6.44% | — |
| Introductory | Owner occupied · Interest only | 1 yr intro | 60–80% LVR | 6.49% | 6.54% | — |
| Introductory | Owner occupied · Interest only | 1 yr intro | >80% LVR | 6.79% | 6.84% | — |
| Introductory | Owner occupied · Interest only | 2 yrs intro | ≤60% LVR | 6.39% | 6.44% | — |
| Introductory | Owner occupied · Interest only | 2 yrs intro | 60–80% LVR | 6.49% | 6.54% | — |
| Introductory | Owner occupied · Interest only | 2 yrs intro | >80% LVR | 6.79% | 6.84% | — |
| Introductory | Owner occupied · Interest only | 3 yrs intro | ≤60% LVR | 6.39% | 6.44% | — |
| Introductory | Owner occupied · Interest only | 3 yrs intro | 60–80% LVR | 6.49% | 6.54% | — |
| Introductory | Owner occupied · Interest only | 3 yrs intro | >80% LVR | 6.79% | 6.84% | — |
| Introductory | Owner occupied · Interest only | 4 yrs intro | ≤60% LVR | 6.39% | 6.44% | — |
| Introductory | Owner occupied · Interest only | 4 yrs intro | 60–80% LVR | 6.49% | 6.54% | — |
| Introductory | Owner occupied · Interest only | 4 yrs intro | >80% LVR | 6.79% | 6.84% | — |
| Introductory | Owner occupied · Interest only | 5 yrs intro | ≤60% LVR | 6.39% | 6.44% | — |
| Introductory | Owner occupied · Interest only | 5 yrs intro | 60–80% LVR | 6.49% | 6.54% | — |
| Introductory | Owner occupied · Interest only | 5 yrs intro | >80% LVR | 6.79% | 6.84% | — |
| Variable | Investment · P&I | — | ≤60% LVR | 6.54% | 6.59% | — |
| Variable | Investment · P&I | — | 60–80% LVR | 6.64% | 6.69% | — |
| Variable | Investment · P&I | — | >80% LVR | 6.84% | 6.89% | — |
| Variable | Owner occupied · P&I | — | ≤60% LVR | 6.29% | 6.34% | — |
| Variable | Owner occupied · P&I | — | 60–80% LVR | 6.39% | 6.44% | — |
| Variable | Owner occupied · P&I | — | >80% LVR | 6.59% | 6.64% | — |
§ 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
- · 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
§ 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
§ 06 — Run the numbers
Put this product through a calculator
Published by ORANGE CREDIT UNION LTD under the Consumer Data Right, last changed by them on 9 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.