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.  We are also agents for the the First Home Owner Scheme.

Choose from three different types of home loans:

• Variable rate for owner-occupied housing
• Variable rate for investment housing 
• Fixed Rate home loans
• Interest only is available for fixed and variable investment loans.

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

• Rapid loan approval
• Deposit Bonds

• Lending up to 95% of property valuation or purchase price (for owner occupied properties), whichever is less (mortgage insurance may apply)

• Family Guarantee loans to assist in your purchase

• Range of repayment options (weekly, fortnightly, monthly)

• Fee free redraws available

• Competitive Interest Rates  

How to apply for a Home Loan:

• Apply online immediately
• Apply over the phone on 6362 4466
• Print Loan Application Form and mail or apply in person
• Review our Loan Application Documents checklist 

Information you'll need when you apply:

         Purchases (including Owner Occupied & Investment)

1. Proof of your income (3 recent payslips). If self employed, copy of two most recent tax returns, and assessment notices or Profit & Loss Statement
2. Proof of savings (other than accounts at Orange Credit Union)
3. Estimate of assets
4. Proof of your debt (latest statements for credit cards & store accounts)

         Refinances

1. Proof of your income (3 payslips plus). If self employed, copy of two most recent tax returns, and assessment notices recent tax assessment.
2. Proof of savings (other than accounts at Orange Credit Union)
3. Estimate of assets
4. Proof of your debt (statements for credit cards, store accounts, loans)
5. Recent 6 months statements for all loans
6. Rates notice

Easy repayment option available for you:

• Payroll deduction
• Periodical payment
• 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.