Home loan · Variable
Variable Home Loan Package
7.84%comparison rate p.a. · 7.49% advertised · With the Variable Home Loan Package · $395 a year
Variable · P&I · Owner-occupier · ≤97% LVR
142nd 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
- None
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤97% LVR
- 7.84% comparison · 7.49% advertised
- Variable · P&I · Investor · ≤97% LVR
- 8.09% comparison · 7.74% advertised
- Variable · Interest Only · Investor · 1–80% LVR
- 8.18% comparison · 7.99% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Package (Variable Home Loan Package)
- $395 a year
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Variable Home Loan Package · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
November 20262 changes
- 13Fri
- Variable investor interest-only 7.93 → 8.189 days after the RBA rise to 4.85%+0.25
- 2 variants up 0.259 days after the RBA rise to 4.85%+0.25All Variable · P&I · ≤97% LVR
Owner-occupier 7.59 7.84 +0.25 Investor 7.84 8.09 +0.25
Our Variable Home Loan Package is ideal for those seeking significant flexibility. The Credit Union SA Variable Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395 and in return you’ll save an absolute bundle. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.
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% · Standard Variable Rate Home Loan 7.79%
As of 14 November 2026, the Credit Union SA Variable Home Loan Package's variable owner-occupier P&I variant has a comparison rate of 7.84% (7.49% advertised), ranking 142nd of 149 variable owner-occupier P&I loans and sitting 1.00 points above the market average of 6.84%. The product comes in 3 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.