Home Loans Our Home Loans

Interest Rates Annual % Rate (p.a.) Comparison Rate (p.a.) Basic Home / Investment Loan 7.07% 7.11%2 Offset Home / Investment Loan 7.57% 7.62%2 Revolving Line of Credit 7.62% N/A Bridging Loan 7.57% 7.62%2 Construction Loan 7.57% 7.64%2 Standard Home Loan 7.50% 7.55%2 Standard Home Loan - fixed for 1 year1 6.82% 7.47%2 Standard Home Loan - fixed for 3 years1 7.19% 7.45%2 Standard Home Loan - fixed for 5 years1 7.39% 7.50%2 New Car Loan 9.45% 9.46%3 Interest Rates effective 24 November 2008. Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. 1. Rates are indicative only. Fixed Rates are fixed at the date of funding. 2. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. 3. Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years. 4. Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years. 5. Comparison rate calculated on an unsecured loan amount of $2,500 for a term of 2 years. 6. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. 7. Offer valid for applications received from 24 November 2008 to 28 February 2009 and loan must be funded by 30 June 2009. Minimum loan amount is $100,000. At the end of the discounted period the interest rate then reverts to Basic variable rate, currently 7.07% p.a. (subject to change). This offer is only available for new home loans; it does not apply to switching existing Victoria Teachers Credit Union loans. Loans in excess of 80% Loan to Value Ratio (LVR) will incur Lenders Mortgage Insurance charges. An early repayment penalty applies if the loan is paid out within the first 5 years on Basic Home Loans. Variable interest rate advertised subject to change. 8. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. 9. Offer valid for applications received from 24 November 2008 to 31 December 2008 and loan must be funded by 30 April 2009. Minimum loan amount is $100,000. At the end of the discounted period the interest rate then reverts to Basic variable rate, currently 7.07% p.a. (subject to change). This offer is only available for Refinance home loans; it does not apply to switching existing Victoria Teachers Credit Union loans. Loans in excess of 80% Loan to Value Ratio (LVR) will incur Lenders Mortgage Insurance charges. An early repayment penalty applies if the loan is paid out within the first 5 years on Basic Home Loans. Applicants who decide not to proceed with the loan may incur establishment fees. Variable interest rate advertised subject to change. 10. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. 11. 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. To download a Comparison Rate Schedule, click here.

Select Calculator Loans: Budget Borrowing Power Repayments Stamp Duty & Govt Fees Extra Repayments Lump Sum Repayments Insurance: Contents Replacement Home Replacement Learn more about other products and services from Victoria Teachers Credit Union.

Privacy Policy

© Copyright 2005 Victoria Teachers Credit Union Limited   ABN 44 087 651 769   AFSL 240 960