Home loan · Variable
Variable Home Loan Package Specials
6.95%comparison rate p.a. · 6.59% advertised · With the Variable Home Loan Package · $395 a year
Variable · P&I · Owner-occupier · 60–80% LVR
112th 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 · 1–60% LVR
- 6.90% comparison · 6.54% advertised
- Variable · P&I · Owner-occupier · 60–80% LVR
- 6.95% comparison · 6.59% advertised
- Variable · P&I · Investor · 1–60% LVR
- 7.10% comparison · 6.74% advertised
- Variable · P&I · Investor · 60–80% LVR
- 7.15% comparison · 6.79% advertised
- Variable · Interest Only · Investor · 1–60% LVR
- 7.73% comparison · 6.99% advertised
- Variable · Interest Only · Investor · 60–80% LVR
- 7.76% comparison · 7.04% 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 Specials · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
November 20261 change
- 13Fri
- 6 variants up 0.24 to 0.259 days after the RBA rise to 4.85%+0.24 to +0.25All Variable
P&I · Owner-occupier · 1–60% LVR 6.66 6.90 +0.24 P&I · Owner-occupier · 60–80% LVR 6.71 6.95 +0.24 P&I · Investor · 1–60% LVR 6.85 7.10 +0.25 P&I · Investor · 60–80% LVR 6.90 7.15 +0.25 Interest Only · Investor · 1–60% LVR 7.49 7.73 +0.24 Interest Only · Investor · 60–80% LVR 7.51 7.76 +0.25
Our Variable Home Loan Package Special Offer 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.
Also from Credit Union SA: 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% · Variable Home Loan Package 7.84%
As of 13 November 2026, the Credit Union SA Variable Home Loan Package Specials's variable owner-occupier P&I variant has a comparison rate of 6.95% (6.59% advertised), ranking 112th of 149 variable owner-occupier P&I loans and sitting 0.13 points above the market average of 6.82%. The product comes in 6 variants; the others are investor, interest-only and other LVR bands. 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.