- $2,000 to $4,000 cashback offer
Credit Union SA is offering cashbacks for eligible home buyers and refinancers. There's a $4,000 cashback if you're borrowing $1 million or more and a $2,000 cashback if you're borrowing between $600,000 and $999,999. For both cashbacks you need an LVR of 70% or lower (30% minimum deposit).
There's a limit of one cashback per household and you can qualify with multiple loans, as long as one loan is an owner-occupier loan.Other terms and conditions apply.
Credit Union SA offers a range of home loans for Australian borrowers. Check out the full table of Credit Union SA products below or read more about the lender.
Compare Credit Union SA home loans for June 2025
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How we picked theseCredit Union SA key facts
- It's a customer-owned lender based in Adelaide.
- It offers home loan products for owner-occupiers and investors.
- This lender also offers other financial products such as transaction accounts, savings accounts, term deposits, credit cards and personal loans.
Credit Union SA home loan features
Here are the key features and details you need to know about Credit Union SA's mortgage products.
Feature | Details |
---|---|
Minimum deposit | It's possible to get a home loan with a deposit as low as 5%. |
Offset account | You can get an offset account with several of its loans. |
Repayment options | Many of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans. |
How do I apply for a mortgage from Credit Union SA?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.Eligibility
The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.
- Age. You must be over 18 years of age.
- Residency. You should be a resident of Australia.
- Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with Credit Union SA you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
More lenders to compare
Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:
- ING. This online bank is part of the global, Dutch financial group of the same name.
- Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
- UBank. This online bank is actually owned by NAB.
- Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
- Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
- Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
- HSBC. The local Australian banking arm of this international bank offers various home loans.
Looking for more mortgage options?
- Big Four banks. Check out interest rates from Australia's Big Four banks.
- Best home loans. Finder's top loan picks every month.
- Cheapest rates. Compare the lowest home loan rates on the market.
- Investors. Compare more loans for property investors.
- Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
Compare other products from Credit Union SA
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
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