3.49% Variable Rate Home Loans
LYSAGHT CREDIT UNION 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
- Minimum $10,000
- No cost, No obligation pre-approvals
- Owner occupied & Investment loans
- Principle and interest or interest only
- Unlimited additional repayments
- 100% offset facility (multiple offset available)
- Free Redraw facility
- LVR ratios of 80%, 90% (LMI)or 100% (2 properties)
- Interest calculated daily, charged monthly
- Weekly, fortnightly or monthly repayment options
- 30 year maximum term
We offer multiple ways to manage your home loan
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- 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
Click Here to use our convenient Living Expense Calculator
Home Loan Features
| Owner Occupied or Investment | Yes |
| 1st home buyers | Yes |
| Special fixed rate for a limited time | Yes |
| Up to 30 year term | Yes |
| Security Guarantor loans | Yes |
| Principal and Interest, IO available on standard variable loan | Yes |
| Free Redraw facility | Yes |
| Application fees | No |
| Minimum amount $50,000 | Yes |
| Internet/Phone banking/LCU App | Yes |
| Direct deposits for repayments | Yes |
| Additional Repayments | Yes |