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Home Loans

Please confirm all rates with CPS Credit Union staff

Current Interest Rates | Comparison Rate Schedules

StraightForward Home Loan (L64)

This loan is ideal for people who seek a no-frills mortgage loan with a super low interest rate and high loan-to-valuation amount.

Borrow as little as $50,000. Maximum loan 95% of valuation or purchase price for new purchases, 90% of valuation for investment properties or refinances.

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Basic Home Loan (L57)

This is a securitised loan with a special variable interest rate. The funds are supplied by a third party but your loan is fully serviced by CPS.

Amounts range from $30 000 to $750 000 and the loan can be taken over a term of between 10 and 30 years.

Basic Fixed Rate Loan (L58)

This securitised loan product offers an interest rate fixed for the term of the loan. The rate can be for one to five years. Interest rates available on application.

Switch Rate Home Loan (L47)

Capped for the first 6 months, then revert to Standard Variable rate.

Legal, application and valuation fees (up to $700) are waived. Available only to those bringing a loan to CPS from another financial institution. Loan minimum amount $150 000.

Standard Home Loan (L47)

Capped for first 12 months. Then reverts to standard variable rate.

Investment Property Loan (L69)

Capped for first 12 months. Then reverts to standard variable rate. For the purchase of residential investment properties, secured by first mortgage.

All-in-One Home Loan (S51)

A combined savings and loan account, secured by first mortgage.

Interest Only Loan (L59)

This securitised loan product allows you to repay only the interest for up to the first five years of the term of the loan. The interest rate is variable and available on application.

Current Interest Rates | Comparison Rate Schedules | Guide to Comparison Rates


Loan Assessment

CPS Lending and assessment criteria apply. All loan applications are subject to approval.

Terms and conditions apply to all loans and are available on request. Fees and charges may apply and are detailed in the Fees and Charges brochure, which is available on request. All loan interest rates are Annual Percentage Rates (pa) and current rates are listed in the Interest Rates flyer.

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