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.

We offer both fixed and variable mortgage secured loans at very competitive interest rates. All Lysaght Credit Union mortgage secured loans are for a maximum term of 30 years and are available for residential or investment purposes.

Home Loan Features

  • No cost, No obligation pre-approvals
  • Owner occupied or investment loans
  • Principle and interest or interest only
  • 100% offset facility (multiple offset available)
  • Free Redraw facility
  • Fixed or Variable rates
  • LVR ratios of 80%, 90% (LMI)or 100% (2 securities)
  • 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

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
Fixed or VariableYes
Maximum term30 years
Interest onlyYes
Redraw facilityYes
Online redrawYes
Application or Ongoing monthly feesNo
100% Offset savings account Principle & Interest loansYes
Internet/Phone bankingYes
Direct deposits for repaymentsYes
Unlimited Additional RepaymentsYes