At Lysaght Credit Union we understand that buying a home is probably the most expensive purchase you will ever make. Our staff are here to help guide you through the home loan process and ensure it is as uncomplicated and streamlined as possible.

Home Loan Features

  • No cost, No obligation pre-approvals
  • Owner occupied or investment loans
  • Principle and interest or interest only
  • $1,000 new mortgage establishment fee offer
  • 100% offset facility (multiple offset available)
  • Free Redraw facility
  • Fixed or Variable rates
  • LVR ratios of 80%, 90% (LMI)or 100% (2 securities)
  • Unlimited additional repayments (fixed or variable loans)
  • Competitive interest rates
  • Interest calculated daily, charged monthly
  • Weekly, fortnightly or monthly repayment options

We offer multiple ways to manage your home loan

    • Internet Banking (optional)
    • Telephone Banking (optional)
    • Over the counter
    • LCU App

Email at

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

1 Year Fixed

First Home Owners

Standard Variable