Increase font size Decrease font size

Home Loans

Attention: open in a new window. Print

ECU's home loans offer competitive interest rates and flexible options coupled with personalised service. Whether you are a family on a budget, a first home buyer or even a savvy investor, ECU's mortgages are straight forward and will meet your requirements.

Standard Fixed Home Loan

Lock in a great value mortgage rate for 1, 2 or 3 years with ECU's Standard Fixed Home Loans. Choose the fixed term and rate that suits your needs.

  • No monthly account keeping fees
  • Extra repayments allowed (limits apply)
  • Redraw facility available

View our interest rates

From

4.29% pa

5.07% pa1

comparison rate

home loan key facts sheets

apply now

calculate

  More Info
Loan Type Standard Fixed Home Loan
Loan period Up to 30 years
Loan Amount Up to 95% of the property value
Repayment options Weekly, fortnightly or monthly
Monthly fee No
Loan Application $350
Redraw facility Yes (Min $1000)
Extra payments allowed - Maximum $10,000 per annum Yes (limits apply with Fixed Loans)
Early payout without penalty No
Offset Account Available No
Split Loan Available Yes
Interest only option Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Premium Plus Home Loan Package

Get more for your money with a Premium Plus Home Loan Package. A discounted home loan rate, no loan application fee, discounted insurance and access to a low interest credit card, what more could you want?

  • Up to 0.81% discount on our variable rate
  • Approved Low Rate Credit Card with no annual fee
  • No loan application fee
  • Discounted Home and Contents Insurance
  • Loans over $250,000

 

 

View our interest rates

From

3.88% pa

4.24% pa1

comparison rate

home loan key facts sheet

apply now

calculate

  More Info
Loan Type Premium Plus Home Loan Package
Loan period Up to 30 years
Loan Amount Up to 95% of the property value
Repayment options Weekly, fortnightly or monthly
Monthly fee No
Annual fee $360
Loan Application $0
Redraw facility Yes (Min $1000)
Unlimited extra payments allowed Yes
Early payout without penalty Yes
Offset Account Available Yes
Split Loan Available Yes
Interest only option Yes
Discounted Interest Rates (off Premium Plus variable rate)

$0 to $150,000 - 0.50%pa

$150,001 to $250,000 - 0.60%pa

$250,001+ - 0.81%pa

This table is provided as a guide only. Terms and conditions are available on application or request.

Premium Plus Loan Package - Fixed Rates

Get more for your money with a discounted fixed home loan rate, no loan application fee, discounted insurance and access to a low interest credit card. Plus split options combining variable and fixed rates. 

  • Up to 0.1% discount on our standard fixed rates
  • Approved Low Rate Credit Card with no annual fee
  • No loan application fee
  • Discounted Home and Contents Insurance

 

View our interest rates

From

4.19% pa

4.84% pa1

 

comparison rate

home loan key facts sheet

apply now

calculate

  More Info
Loan Type Premium Plus Home Loan Package - Fixed Rate
Loan period Up to 30 years
Loan Amount Up to 95% of the property value
Repayment options Weekly, fortnightly or monthly
Monthly fee No
Annual fee $360
Loan Application $0
Redraw facility Yes (Min $1000)
Extra payments allowed - Maximum $10,000 per annum Yes - (limits apply with fixed loans)
Early payout without penalty No
Offset Account Available No
Split Loan Available Yes
Interest only option Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Standard Variable Home Loan

Don't make the biggest purchase of your life without checking out our Standard Variable Home Loan first.

  • Low variable rate
  • No monthly account keeping fees
  • Unlimited extra repayments allowed

View our interest rates

5.12% pa

5.15% pa1

comparison rate

request a home loan key fact sheet

apply now

calculate button

  More Info
Loan Type Standard Variable Home Loan
Loan period Up to 30 years
Loan Amount Up to 95% of the property value
Repayment options Weekly, fortnightly or monthly
Monthly fee No
Loan Application $350
Redraw facility Yes (Min $1000)
Unlimited extra payments allowed Yes
Early payout without penalty Yes
Offset Account Available Yes
Split Loan Available Yes
Interest only option Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Useful Links and Tools

Questions?

If you have any questions, please contact us contact ECU

1 Rate based on $150,000 over 25 years. These rates are for secured loans.
Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.