4.58% Variable Rate Home Loans


Lysaght Credit Union Standard Variable Home Loans


Lysaght Credit Union offers a variable mortgage secured home loan at a very competitive interest rate. All Lysaght Credit Union mortgage secured loans are for the maximum term of 30 years and are available for residential, personal or investment purposes.

If you have available equity in your home you are able to use this for personal loan purposes also.  You can have a separate mortgage secured loan, over a shorter period of time if you wish, and take advantage of the lower interest rate.

Home Loan Features

  • No cost, No obligation pre-approvals
  • Owner occupied  & Investment loans
  • Principle and interest or interest only
  • $1,000 contribution by LCU towards new mortgage establishment costs
  • Unlimited additional repayments
  • 100% offset facility (multiple offset available)
  • Free Redraw facility
  • Competitive variable interest rate/Comparison rate
  • LVR ratios of 80%, 90% (LMI)or 100% (2 securities)
  • 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 enquiries@lysaghtcu.com.au

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 enquiries@lysaghtcu.com.au.  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