Lysaght Credit Union’s 1 & 2 year fixed home loan packages are available to First Home Buyers for new mortgage secured loans over $50,000.

Home Loan Features

  • No cost, No obligation pre-approvals
  • Owner occupied  & Investment loans
  • Principle and interest
  • $1,000 contribution by LCU towards new mortgage establishment costs
  • Unlimited additional repayments
  • Security Guarantor Loans available
  • 100% offset facility (multiple offset available)
  • Free Redraw facility
  • Competitive Fixed interest rates/Comparison rates
  • LVR ratios of 80%, 90% (LMI)or 100% (2 securities)
  • Interest calculated daily, charged monthly
  • Weekly, fortnightly or monthly repayment options

As from 1st July 2017 the NSW Government has introduced a comprehensive First Home Buyers package which will:

  • Abolish stamp duty on all homes up to $650,000
  • Give stamp duty relief for homes up to $800,000
  • Provide a $10,000 grant for builders of new homes up to $750,000 & purchasers of new homes up to $600,000
  • Abolish Insurance duty on Lenders Mortgage Insurance (LMI)
  • Ensure foreign investor pay higher duties & land taxes
  • No longer allow investors to defer paying stamp duty on off-the-plan purchases

You can apply for the grant through Lysaght Credit Union or directly through the OSR.

Applications lodged with Lysaght Credit Union will have the grant available for settlement or for the first draw down on contracts to build.

Applying for a home loan with Lysaght Credit Union

For your convenience you are able to download a loan application from our website and email it to  You can also fax the application to (02) 4229 6099.  The other option is to visit one of our branches where a loans officer will talk to you face to face and guide you through the application process.

Loan calculators

Our Loan Calculator will help you work out what your repayments will be, and how additional repayments can affect your loan term and interest paid.

Click Here to use our convenient Loan Calculator

Home Loan Features

Owner Occupied or InvestmentYes
Competitive variable interest rateYes
Special fixed rates available for 1&2 yearsYes
Up to 30 year termYes

Security Guarantor loansYes
P&I or Interest onlyYes
Redraw facilityYes
Online redrawYes
Application or Ongoing monthly feesNo
100% Offset savings account. Multiple accounts availableYes
Internet/Phone banking/LCU AppYes
Direct deposits for repaymentsYes
Unlimited Additional RepaymentsYes