XL Interest Only Home Loan Package
Our Variable Home Loan Package is designed for those wanting an extended home loan term. XL Interest Only Home Loan Package products are available for terms 31 to 40 years, for construction purposes, for properties located in South Australia. Lending criteria applies and a suitability assessment will be completed as part of the application process. 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.
Category: Home Loans Last Updated December 21, 2025 Effective January 20, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied Interest Only product. Additional Information
Interest Rate
5.29% PA
5.29% PA
Comparison Rate
5.67%PA*
5.67%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions..
Product Features
- Other Additional Information: Unlimited fee-free additional repayments
- Other Additional Information: No loan application or monthly fee
- Redraw
- Offset
- Digital Banking
- Extra Repayments
- Guarantor
- Other Additional Information: Split Loans are available with eligible products
Product Eligibility
- Min Age - 18.
- Residency Status - Australian Citizen Or Permanent Resident.
Bank Fees and Charges
- Progress Payment Fee (Upfront), Amount: 750.00.
- Increase An Existing Home Loan Package (Event), Amount: 0.00.
- Annual Fee (Periodic), Amount: 395.00.
- Settlement Fee (Upfront), Amount: 0.00.
- Split Loan Fee (Event), Amount: 150.00.
- Split Loan Fee (Event), Amount: 100.00.
- Guarantor Application Fee (Event), Amount: 200.00.
Limitations & Restrictions (Constraints)
- Opening Balance of 150000.00
- Max Lvr of 0.97
Document Downloads
brc-1062-hl-int-rates.pdf (78.5 KB)
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