Home loan · Variable
Standard Variable Rate Home Loan
7.79%comparison rate p.a. · 7.74% advertised
Variable · P&I · Owner-occupier · ≤97% LVR
138th of 149 variable owner-occupier P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $600
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤97% LVR
- 7.79% comparison · 7.74% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 8.77% comparison · 9.64% advertised
- Variable · P&I · Investor · ≤97% LVR
- 8.04% comparison · 7.99% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 8.15% comparison · 8.24% advertised
- Application fee
- $600
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Standard Variable Rate Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
November 20262 changes
- 13Fri
- 2 variants up 0.25 to 0.269 days after the RBA rise to 4.85%+0.25 to +0.26All Variable · Interest Only · ≤80% LVR
Owner-occupier 8.51 8.77 +0.26 Investor 7.90 8.15 +0.25 - 2 variants up 0.259 days after the RBA rise to 4.85%+0.25All Variable · P&I · ≤97% LVR
Owner-occupier 7.54 7.79 +0.25 Investor 7.79 8.04 +0.25
Our Standard Variable Rate Home Loan is ideal for those seeking significant flexibility – a rate that moves with the market and many convenient features.
Also from Credit Union SA: Variable Home Loan Package Specials 6.95% · Fixed Home Loan Package 6.99% · Discounted Variable Rate Home Loan 7.57% · Fixed Rate Home Loan 7.58% · 1-Year Fixed Home Loan Principal and Interest 7.77% · Variable Home Loan Package 7.84%
As of 14 November 2026, the Credit Union SA Standard Variable Rate Home Loan's variable owner-occupier P&I variant has a comparison rate of 7.79% (7.74% advertised), ranking 138th of 149 variable owner-occupier P&I loans and sitting 0.95 points above the market average of 6.84%. The product comes in 4 variants; the others are investor and interest-only. Its rate last moved on 13 November 2026, 9 days after the RBA rise to 4.85%. From the provider's Consumer Data Right feed, refreshed nightly.