Make life easier with an Intro Rate variable home loan
A home loan that gets you off to a great start by enabling you to enjoy a low interest rate for 12 months. If your buying your first home, looking for an investment property or refinancing, we can make it a little easier with an Intro Rate variable home loan. At the end of the period the interest rate reverts to the standard variable rate.
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Take advantage of the reduced repayments for 12 months and pay off your home loan sooner |
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Additional repayments can be made at any time | |
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Redraw facility available for advance payments | |
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Savings in repayments can help offset the costs of stamp duty, solicitors and moving |
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No transaction fees for the life of your home loan^ | |
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No monthly account keeping fees |
| Key Features | |
| Variable interest rate | View our interest rates |
| Maximum amount |
$1,000,000 |
| Loan period | Up to 30 years |
| Repayments | Monthly / Fortnightly / Weekly |
| Interest charges | Calculated daily, charged monthly |
| Monthly account keeping fees | No |
| Annual fees | No |
| Flexible and lump sum repayments | Yes |
| Split with other loans | Yes |
| Loan repayment insurance available | Yes |
| Early repayments fees | Yes |
| Establishment fee | $350 |
| Pre-approval - we can approve your loan in advance | Yes |
| Free mobile lending service** | Yes |
| No transaction fees for the life of your home loan^ | Yes |
| Redraw facility |
Yes (Our banking system will automatically hold 1 (one) repayment in advance) |
More Information
- Read the benefits of our Mobile Mortgage Lending Service
- Read the benefits of our Home Loans
- Need answers? Read our list of FAQs
- Use one of our Loan Calculators to work out what loan is right for you
Apply
Apply for a Home Loan 
Questions?
If you have any questions, please contact us 
+Terms, conditions, fees, charges and credit criteria apply.
**This service is available in metropolitan Sydney, Newcastle and the Hunter region
The Credit Union may change the intro rate at it's discretion, however, we guarantee the intro rate will remain below our standard variable rate for 12 months after the intial draw-down of your loan, after which it will revert to our standard variable rate.
^The 'no transaction fees' offer only applies to accounts held in the same membership number in which the mortgage is held. This offer is not available to memberships with Commercial Loan accounts. Fees charged by a third party supplier will still be payable. See our Fees and Charges for full details. Excludes any non-value ATM/EFTPOS fees. Fee exemption does not apply to fees and charges applied directly to accounts by other parties or institutions. * Comparison rates (CR) calculated on a loan amount of $150,000 over a term of 25 years. WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available on the Encompass website. Rates effective 11 November 2009 and subject to change at Credit Unions discretion. Fees, charges, terms & conditions apply.
