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Fixed Rate Home Loans

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Enjoy $2,020 when you switch your existing home loan to us

Available for owner-occupied and investors with a minimum initial loan amount of $300,000. *Conditions apply.

Approved by 13 November 2020 and funded by 31 December 2020

Apply OnlineMake an Appointment

Enjoy our Essential 2 Year Fixed Rate home loan

Available for owner-occupied and investors with a minimum initial loan amount of $150,000.

2.45% pa1
Fixed Rate

2.87% pa2
Comparison Rate

Apply OnlineMake an Appointment

 


Essential 1 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit a property owner looking for a no frills loan who would like to lock in an interest rate for a set period. After 12 months, your loan will revert to our Essential Low Variable Rate Home Loan, or you may choose to fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $150,000 minimum borrowing amount
  • New business only

2.79% pa1
Fixed Rate

2.93% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Essential 1 Year Fixed Rate
Rates
Fixed interest rate2.79% pa1
Variable interest rate2.89% pa
Comparison rate2.93% pa2
Fixed interest rate term (years)1 
Features
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Not available
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetNo 
Partial split loanNo 
Rate term1
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityNo 
Suitable for vacant landYes 
Switching fee$250 
Variable and lump sum repaymentsYes 


Essential 2 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit a property owner looking for a no frills loan who would like to lock in an interest rate for a set period. After 24 months, your loan will revert to our Essential Low Variable Rate Home Loan, or you may choose to fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $150,000 minimum borrowing amount
  • New business only

2.45% pa1
Fixed Rate

2.87% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Essential 2 Year Fixed Rate
Rates
Fixed interest rate2.45% pa1
Variable interest rate2.89% pa
Comparison rate2.87% pa2
Fixed interest rate term (years)2 
Features
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Not available
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetNo 
Partial split loanNo 
Rate term2
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityNo 
Suitable for vacant landYes 
Switching fee$250 
Variable and lump sum repaymentsYes 


Essential 3 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit a property owner looking for a no frills loan who would like to lock in an interest rate for a set period. After 36 months, your loan will revert to our Essential Low Variable Rate Home Loan, or you may choose to fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $150,000 minimum borrowing amount
  • New business only

2.99% pa1
Fixed Rate

2.97% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

Essential 3 Year Fixed Rate
Rates
Fixed interest rate2.99% pa1
Variable interest rate2.89% pa
Comparison rate2.97% pa2
Fixed interest rate term (years)3 
Features
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Not available
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetNo 
Partial split loanNo 
Rate term3
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityNo 
Suitable for vacant landYes 
Switching fee$250 
Variable and lump sum repaymentsYes 


1 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in an interest rate for a set period. After 12 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $20,000 minimum borrowing amount
  • Up to 30-year loan period
  • Lenders Mortgage Insurance may apply
  • Included in Relationship Rebate

2.99% pa3
Fixed Rate

4.45% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

1 Year Fixed Rate
Rates
Fixed interest rate2.99% pa3
Variable interest rate4.54% pa
Comparison rate4.45% pa2
Fixed interest rate term (years)1 
Features
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Yes
Loan termup to 30 years
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityYes 
Redraw fee$0 
Suitable for vacant landYes 
Variable and lump sum repaymentsYes 


2 Year Fixed Rate Home Loan (Owner-Occupier)

This loan would suit an owner-occupier who would like to lock in an interest rate for a set period. After 24 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $20,000 minimum borrowing amount
  • Up to 30-year loan period
  • Lenders Mortgage Insurance may apply
  • Included in Relationship Rebate

2.75% pa3
Fixed Rate

4.27% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

2 Year Fixed Rate
Rates
Fixed interest rate2.75% pa3
Variable interest rate4.54% pa
Comparison rate4.27% pa2
Fixed interest rate term (years)2 
Features
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 1 year)Yes
Loan termup to 30 years
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
RepaymentsMonthly,Fortnightly,Weekly
Redraw facilityYes 
Redraw fee$0 
Suitable for vacant landYes 
Variable and lump sum repaymentsYes 


3 Year Fixed Rate Home Loan (Owner Occupier)

This loan would suit an owner-occupier who would like to lock in an interest rate for a set period. After 36 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $20,000 minimum borrowing amount
  • Up to 30-year loan period
  • Lenders Mortgage Insurance may apply
  • Included in Relationship Rebate

3.17% pa3
Fixed Rate

4.24% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

3 Year Fixed Rate
Rates
Fixed interest rate3.17% pa3
Variable interest rate4.54% pa
Comparison rate4.24% pa2
Fixed interest rate term (years)3 
Features
Interest only repayments (up to 1 year)Yes 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Discharge fee$200 
Interest chargescalculated daily, charged monthly
Interest only repayments (up to 1 year)Yes
Loan termup to 30 years
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Maximum term (years)30 
Monthly fee$0 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
RepaymentsMonthly, Fortnightly, Weekly
Redraw facilityYes 
Redraw fee$0 
Suitable for vacant landYes 
Variable and lump sum repaymentsYes 



 


Essential 1 Year Fixed Rate Home Loan (Investor)

This loan would suit a property investor looking for a no frills loan who would like to lock in an interest rate for a set period. After 12 months, your loan will revert to our Essential Low Variable Rate Home Loan, or you may choose to fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $150,000 minimum borrowing amount
  • New business only

2.79% pa1
Fixed Rate

2.93% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Essential 1 Year Fixed Rate
Rates
Fixed interest rate2.79% pa
Variable interest rate2.89% pa
Comparison rate2.93% pa
Fixed interest rate term (years)1 
Features
Interest only repayments (up to 1 year)Not available
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Mortgage offsetNo 
Partial split loanNo 
Rate term1
Redraw facilityNo 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Switching fee$250 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Essential 2 Year Fixed Rate Home Loan (Investor)

This loan would suit a property investor looking for a no frills loan who would like to lock in an interest rate for a set period. After 24 months, your loan will revert to our Essential Low Variable Rate Home Loan, or you may choose to fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $150,000 minimum borrowing amount
  • New business only

2.45% pa1
Fixed Rate

2.87% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Essential 2 Year Fixed Rate
Rates
Fixed interest rate2.45% pa
Variable interest rate2.89% pa
Comparison rate2.87% pa
Fixed interest rate term (years)2 
Features
Interest only repayments (up to 1 year)Not available
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Mortgage offsetNo 
Partial split loanNo 
Rate term2
Redraw facilityNo 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Switching fee$250 
Discharge fee$200 
Variable and lump sum repaymentsYes 


Essential 3 Year Fixed Rate Home Loan (Investor)

This loan would suit a property investor looking for a no frills loan who would like to lock in an interest rate for a set period. After 36 months, your loan will revert to our Essential Low Variable Rate Home Loan, or you may choose to fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $150,000 minimum borrowing amount
  • New business only

2.99% pa1
Fixed Rate

2.97% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

Essential 3 Year Fixed Rate
Rates
Fixed interest rate2.99% pa
Variable interest rate2.89% pa
Comparison rate2.97% pa
Fixed interest rate term (years)3 
Features
Interest only repayments (up to 1 year)Not available
Included in Relationship RebateNo 
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$150,000 
Maximum AmountSubject to application
Mortgage offsetNo 
Partial split loanNo 
Rate term3
Redraw facilityNo 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Switching fee$250 
Discharge fee$200 
Variable and lump sum repaymentsYes 


1 Year Fixed Rate Home Loan (Investor)

This loan would suit a property investor who would like to lock in an interest rate for a set period. After 12 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $20,000 minimum borrowing amount
  • Up to 30-year loan period
  • Lenders Mortgage Insurance may apply
  • Included in Relationship Rebate

2.99% pa3
Fixed Rate

4.45% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan

  More information

1 Year Fixed Rate
Rates
Fixed interest rate2.99% pa
Comparison rate4.45% pa
Fixed interest rate term (years)1 
Features
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 10 years) Yes 
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
Redraw facilityYes 
Redraw fee$0 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Discharge fee$200 
Variable and lump sum repaymentsYes 


2 Year Fixed Rate Home Loan (Investor)

This loan would suit a property investor who would like to lock in an interest rate for a set period. After 24 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $20,000 minimum borrowing amount
  • Up to 30-year loan period
  • Lenders Mortgage Insurance may apply
  • Included in Relationship Rebate

2.75% pa3
Fixed Rate

4.27% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

2 Year Fixed Rate
Rates
Fixed interest rate2.75% pa3
Comparison rate4.27% pa2
Fixed interest rate term (years)2 
Features
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 10 years) Yes 
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
Redraw facilityYes 
Redraw fee$0 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Discharge fee$200 
Variable and lump sum repaymentsYes 


3 Year Fixed Rate Home Loan (Investor)

This loan would suit a property investor who would like to lock in an interest rate for a set period. After 36 months, you have the choice to switch to the Variable Rate Home Loan, or fix the loan once more.

  • Borrow up to 95% of the purchase price
  • $20,000 minimum borrowing amount
  • Up to 30-year loan period
  • Lenders Mortgage Insurance may apply
  • Included in Relationship Rebate

3.17% pa3
Fixed Rate

4.24% pa2
Comparison Rate

Apply OnlineMake an AppointmentManage Your Home Loan
  More information

3 Year Fixed Rate
Rates
Fixed interest rate3.17% pa
Comparison rate4.24% pa
Fixed interest rate term (years)3 
Features
Deposit required5%
Establishment fee$865 
Valuation fees included within establishment fee?Yes 
Ability to increase loan amount (Loan Top Up)Yes 
Additional repayments acceptedYes 
Additional repayments fee $$0 
Annual fee$0 
Automatic repayments (payroll)Yes 
Can be used for buildingYes 
Early repayments without penaltyBreak cost may apply
Easy to apply for loanYes
Interest chargesCalculated daily, charged monthly
Interest only repayments (up to 10 years) Yes 
Loan termup to 30 years
Maximum term (years)30 
Maximum Loan-to-Value ratio95%
Minimum amount$20,000 
Maximum AmountSubject to application
Minimum term (years)1 
Mortgage offsetYes 
Partial split loanYes 
Rate term1, 2 or 3 years
Redraw facilityYes 
Redraw fee$0 
RepaymentsMonthly, Fortnightly, Weekly
Suitable for vacant landYes 
Discharge fee$200 
Variable and lump sum repaymentsYes 


 

 

*Credit eligibility criteria, terms & conditions, fees & charges apply. The Refinance Cash Back Offer is only available when you are approved for and settle an eligible Home Loan with Orange Credit Union which must also meet the following criteria: (1) Refinancers must apply from 1st September 2020 and have their new loan approved by 13 November 2020 and funded by 31 December 2020. (2) cannot be a refinance of an existing Orange Credit Union home loan; (3) minimum initial loan amount is $300,000; (4) this offer is not available for Bridging loans; (5) Only 1 cashback of $2,020 will be paid regardless of the numbers of customers, properties or applications involved. Orange Credit Union ABN 34 087 650 477 AFSL/Australian Credit Licence 240768.

 

1 Lending criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Essential Low Rate variable rate.

2 Comparison rate based on a secured loan of $150,000 over 25 years. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

3 Lending criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $20,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Standard Variable interest rate.