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Variable Interest Rate
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Why choose us?

We believe in helping people help themselves, and each other. That's why we want to help our customers of today, and the generations to come, to own their home. 

Experience the Orange Credit Union difference, offering you: 

  • Dedicated lending specialists to guide you, and who are by your side through the life of your loan
  • All lending decisions made right here
  • Ability to borrow up to 95% of the value of your property
  • Flexible repayment options including weekly, monthly, fortnightly and the ability to set up payroll allocation
  • No ongoing account keeping fees
  • Redraw, offset and split loans on selected loan products

At Orange Credit Union, our team of local lending specialists have the experience to get you into your home sooner. We take the time and provide personalised care to give you the confidence needed to secure the property of your dreams. Whatever life stage you are at, wherever your local is across Orange, the region or Australia, talk to Team Orange today. 

We offer competitive home loans with low fees, and a local team who can guide you through the process from approval to settlement.

Whether you are a first home buyer, next home buyer, an investor seeking to grow your property portfolio, or you're looking to switch your current mortgage to a better deal, Orange Credit Union is Here for You. 

Investment property

When it comes to investing in property, it's important to have a lender by your side to help you. Let Team Orange support you to expand your property portfolio. Take advantage of our Fixed or Variable Rate Home Loans. Wherever your new home or next property may be across Orange, the Central West or Austalia, we are Here for You. 

Let OCU help you climb the property ladder 

First home buyer

Purchasing your first home is an exciting adventure and Team Orange Credit Union is with you every step of the way. We can guide you from home loan application through to settlement. From budgeting to grant applications, our team of lending specialists have put together a First Home Buyers hub to help build your confidence to secure your property. Make your first appointment with us. We have many Home Loan options to suit your needs. Home Loan products include Fixed Interest Rates, Variable Interest Rates and Construction Loans with assorted features including family guarantor, offset and redraw options.

Get started with OCU today


Whether you're upsizing, downsizing or looking for your next home, we have a range of Variable or Fixed Rate Home Loans to suit You. With our local team of lending specialists, it's never been easier to achieve your home ownership dreams. We can take care of you from application right through to settlement and can even help with Insurance through our financial services partners. 

Get a head start with OCU


Are you searching for a better deal on your current mortgage? Switching your home loan to us is easy. Discover how much you may be able to save. Your dedicated OCU lending specialist will liaise on your behalf with your existing lender to make the transition seamless and stress-free.

Make the switch to OCU

Constructing your dream home

We are proud to specialise in home loans involving land development and construction. We understand no two builds are the same. With face-to-face assessments comes a thorough and personal understanding of your construction loan project. We have built a strong reputation amongst the local trade industry for being a reliable leader, with easy and convenient 24 hour payment within receipt of your invoices. 

Build your dream home

Do it yourself owner-builder

If you choose to construct your home as an owner-builder, Team Orange Credit Union is by your side through every stage. Our lending specialists provide personalised face to face assesment and understanding of your project, budget assistance and fast turnaround on invoice payment for reimbursesments. 

Start your ultimate DIY project today

Transportable homes

We know that bringing a home to your dream block of land is often a preferred way to get into your home sooner, and can save you money. Where other lenders may not be willing to even consider this option, Team Orange Credit Union is happy to help. Our specialist lenders will consider your plans on a case by case basis and guide you through the steps, ensuring funds for your project are coordinated swiftly and accurately.

Find out more about how we can help

Bridging loan

For those circumstances where timing doesn't work out quite right, let us help you make possibility reality when between homes. Orange Credit Union can provide the short term funds you need to meet the gap in timing between selling your current home and moving in to your next one. If required, our lending team will then transition you easily into a new Home Loan to help you plan long term.  

Explore your options

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