It's quite possible that your home will be the biggest asset that you own, and also the largest amount of money that you will borrow in your lifetime. With that in mind, we try to minimise the confusion and anxiety that you may feel about borrowing for a home loan.

Whether it be to purchase your family home, an investment property, to build your dream home or to refinance your current mortgage from another lender, we have you covered. Our home loans are simple to understand, and easy to manage.   

Choose from three different types of home loans:

• Variable rate 
• Fixed Rate
• Interest only         

Here's how you'll benefit from our home loans:

• Rapid loan approval
• Lending up to 95% of property valuation or purchase price (for owner occupied properties), whichever is less (mortgage insurance may apply)
• Range of repayment options (weekly, fortnightly, monthly)
• Fee free redraws available
• Assist our eligible members to obtain their First Home Owners Grant from the government   

Easy repayment option available for you:

• Payroll deduction
• Funds Transfer 
• Repayment book, over the counter
• Payment through coded deposit book at National Australia Bank
• Internet and Phone banking

With your home loan, you may also consider:

• Payroll direct credit to have your loan paid automatically
• S3 Budget account to pay bills the easy way 
• Redraw Funds
• Loan Insurance
• Financial Planning advice
• Loan repayment calculator
• Budget calculator
• Home and Contents Insurance

Note: To be eligible for a loan at Orange Credit Union, you must be a resident of the City of Orange or its surrounding districts or have an affinity with the City of Orange.

Terms, conditions, fees & charges and lending criteria may apply. Before using any of Orange Credit Union's products or services you should read our Financial Services Guide. For a copy of our Terms & Conditions please contact our office.