Illawarra Credit Union Home Loan Rates & Review

Illawarra Credit Union Home Loans as of August 2025

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed OO P&I) (3 years)	5.19% p.a.	5.93% p.a.	$2,742	Principal & Interest	Fixed	$395	$589	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed OO P&I) (2 years)	5.29% p.a.	5.98% p.a.	$2,773	Principal & Interest	Fixed	$395	$589	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Owner Occupied (P&I) (3 years)	5.34% p.a.	5.54% p.a.	$2,789	Principal & Interest	Fixed	$null	$1,189	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed OO P&I) (1 year)	5.39% p.a.	6.02% p.a.	$2,805	Principal & Interest	Fixed	$395	$589	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Fixed Rate Loans PI (3 years)	5.44% p.a.	6.36% p.a.	$2,820	Principal & Interest	Fixed	$0	$1,189	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Owner Occupied (P&I) (2 years)	5.44% p.a.	5.58% p.a.	$2,820	Principal & Interest	Fixed	$null	$1,189	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed INV P&I) (3 years)	5.49% p.a.	6.22% p.a.	$2,836	Principal & Interest	Fixed	$395	$589	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials First Home Owner (under $800k)	5.49% p.a.	5.59% p.a.	$2,836	Principal & Interest	Variable	$null	$1,189	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Variable Owner Occupied (P&I)	5.49% p.a.	5.59% p.a.	$2,836	Principal & Interest	Variable	$0	$1,189	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Owner Occupied (P&I) (1 year)	5.54% p.a.	5.59% p.a.	$2,852	Principal & Interest	Fixed	$null	$1,189	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Fixed Rate Loans PI (2 years)	5.54% p.a.	6.48% p.a.	$2,852	Principal & Interest	Fixed	$0	$1,189	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed INV P&I) (2 years)	5.59% p.a.	6.28% p.a.	$2,867	Principal & Interest	Fixed	$395	$589	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Invest (P&I) (3 years)	5.64% p.a.	5.84% p.a.	$2,883	Principal & Interest	Fixed	$null	$1,189	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Fixed Rate Loans PI (1 year)	5.64% p.a.	6.59% p.a.	$2,883	Principal & Interest	Fixed	$0	$1,189	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed INV P&I) (1 year)	5.69% p.a.	6.31% p.a.	$2,899	Principal & Interest	Fixed	$395	$589	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed OO IO) (1 year)	5.69% p.a.	6.05% p.a.	$2,371	Interest-only	Fixed	$395	$589	80%	Owner Occupier Fixed 1 Year Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Invest (P&I) (2 years)	5.74% p.a.	5.88% p.a.	$2,915	Principal & Interest	Fixed	$null	$1,189	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed INV IO) (3 years)	5.79% p.a.	6.31% p.a.	$2,413	Interest-only	Fixed	$395	$589	80%	Investor Fixed 3 Years Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Variable Invest (P&I)	5.79% p.a.	5.89% p.a.	$2,931	Principal & Interest	Variable	$0	$1,189	80%	Investor Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Invest (P&I) (1 year)	5.84% p.a.	5.89% p.a.	$2,947	Principal & Interest	Fixed	$null	$1,189	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Owner Occupied (IO) (1 year)	5.84% p.a.	5.62% p.a.	$2,433	Interest-only	Fixed	$null	$1,189	80%	Owner Occupier Fixed 1 Year Interest-only 20% Min Deposit Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Variable INV)	5.89% p.a.	6.34% p.a.	$2,962	Principal & Interest	Variable	$395	$589	80%	Investor Variable Principal & Interest 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed INV IO) (2 years)	5.89% p.a.	6.34% p.a.	$2,454	Interest-only	Fixed	$395	$589	80%	Investor Fixed 2 Years Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Invest (IO) (3 years)	5.94% p.a.	5.93% p.a.	$2,475	Interest-only	Fixed	$null	$1,189	80%	Investor Fixed 3 Years Interest-only 20% Min Deposit More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Fixed Rate Loans IO (1 year)	5.94% p.a.	6.62% p.a.	$2,475	Interest-only	Fixed	$0	$1,189	80%	Owner Occupier Fixed 1 Year Interest-only 20% Min Deposit Redraw More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union The Works Package Home Loan (Fixed INV IO) (1 year)	5.99% p.a.	6.35% p.a.	$2,496	Interest-only	Fixed	$395	$589	80%	Investor Fixed 1 Year Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Invest (IO) (2 years)	6.04% p.a.	5.93% p.a.	$2,517	Interest-only	Fixed	$null	$1,189	80%	Investor Fixed 2 Years Interest-only 20% Min Deposit More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Variable Invest (IO)	6.14% p.a.	6.24% p.a.	$2,558	Interest-only	Variable	$0	$1,189	80%	Investor Variable Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Variable Owner Occupied (IO)	6.14% p.a.	6.24% p.a.	$2,558	Interest-only	Variable	$0	$1,189	80%	Owner Occupier Variable Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Bare Essentials Fixed Invest (IO) (1 year)	6.14% p.a.	5.92% p.a.	$2,558	Interest-only	Fixed	$null	$1,189	80%	Investor Fixed 1 Year Interest-only 20% Min Deposit More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Variable Home Loan P&I	6.59% p.a.	6.69% p.a.	$3,190	Principal & Interest	Variable	$0	$1,189	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Variable Invest Home Loan P&I	6.89% p.a.	6.99% p.a.	$3,290	Principal & Interest	Variable	$0	$1,189	80%	Investor Variable Principal & Interest 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
Illawarra Credit Union	Illawarra Credit Union Standard Variable Home Loan IO	7.24% p.a.	7.34% p.a.	$3,017	Interest-only	Variable	$0	$1,189	80%	Owner Occupier Variable Interest-only 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare

More home loans

Variable Home Loan P&I <90%

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw
Add an optional offset sub-account, T&C's apply.

Monthly repayments: $2,219

5.29% Advertised Rate (p.a.)

5.33% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

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For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

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Monthly Repayment Figures

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Illawarra Credit Union Home Loans