Orange Credit Union home loan rates
ORANGE CREDIT UNION LIMITED · ACL 240768 · Mutual/Credit union
Rates as at 2026-10-20. 78 rates across 14 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Basic Variable Rate Home Loan | 6.29% | 6.34% | Variable | Owner occupier | P&I | LVR <=60% · interest in advance |
| Basic Variable Rate Home Loan | 6.39% | 6.44% | Variable | Owner occupier | P&I | LVR 60-80% · interest in advance |
| Premium Home Loan Fixed 12 mths Interest Only Owner Occupied | 6.54% | — | Variable | Owner occupier | P&I | — |
| Premium Home Loan Fixed 12 mths P&I Owner Occupied | 6.54% | — | Variable | Owner occupier | P&I | — |
| Premium Home Loan Fixed 24 mths Interest Only Owner Occupied | 6.54% | — | Variable | Owner occupier | P&I | — |
| Premium Home Loan Fixed 24 mths P&I Owner Occupied | 6.54% | — | Variable | Owner occupier | P&I | — |
| Premium Home Loan Fixed 36 mths Interest Only Owner Occupied | 6.54% | — | Variable | Owner occupier | P&I | — |
| Premium Home Loan Fixed 36 mths P&I Owner Occupied | 6.54% | — | Variable | Owner occupier | P&I | — |
| Premium Home Loan Variable | 6.54% | 6.59% | Variable | Owner occupier | P&I | LVR <=60% · interest in advance |
| Basic Variable Rate Home Loan | 6.59% | 6.64% | Variable | Owner occupier | P&I | LVR >=80% · interest in advance |
| Premium Home Loan Variable | 6.64% | 6.69% | Variable | Owner occupier | P&I | LVR 60-80% · interest in advance |
| Premium Home Loan Fixed 12 mths Interest Only Investment | 6.79% | — | Variable | Investment | P&I | — |
| Premium Home Loan Fixed 12 mths P&I Investment | 6.79% | — | Variable | Investment | P&I | — |
| Premium Home Loan Fixed 24 mths Interest Only Investment | 6.79% | — | Variable | Investment | P&I | — |
| Premium Home Loan Fixed 24 mths P&I Investment | 6.79% | — | Variable | Investment | P&I | — |
| Premium Home Loan Fixed 36 mths Interest Only Investment | 6.79% | — | Variable | Investment | P&I | — |
| Premium Home Loan Fixed 36 mths P&I Investment | 6.79% | — | Variable | Investment | P&I | — |
| Premium Home Loan Variable | 6.79% | 6.84% | Variable | Investment | P&I | LVR <=60% · interest in advance |
| Premium Home Loan Variable | 6.84% | 6.89% | Variable | Owner occupier | P&I | LVR >=80% · interest in advance |
| Premium Home Loan Variable | 6.89% | 6.94% | Variable | Investment | P&I | LVR 60-80% · interest in advance |
| Premium Home Loan Variable | 7.09% | 7.14% | Variable | Investment | P&I | LVR >=80% · interest in advance |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Premium Home Loan Fixed 24 mths P&I Owner Occupied | 6.34% | 6.43% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Premium Home Loan Fixed 12 mths P&I Owner Occupied | 6.44% | 6.45% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Premium Home Loan Fixed 24 mths Interest Only Owner Occupied | 6.44% | 6.53% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| Premium Home Loan Fixed 12 mths Interest Only Owner Occupied | 6.54% | 6.55% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| Premium Home Loan Fixed 24 mths P&I Investment | 6.59% | 6.68% | Fixed | Investment | P&I | 2 yr fixed |
| Premium Home Loan Fixed 36 mths P&I Owner Occupied | 6.64% | 6.51% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Premium Home Loan Fixed 12 mths P&I Investment | 6.69% | 6.70% | Fixed | Investment | P&I | 1 yr fixed |
| Premium Home Loan Fixed 24 mths Interest Only Investment | 6.69% | 6.78% | Fixed | Investment | Interest only | 2 yr fixed |
| Premium Home Loan Fixed 36 mths Interest Only Owner Occupied | 6.74% | 6.61% | Fixed | Owner occupier | Interest only | 3 yr fixed |
| Premium Home Loan Fixed 12 mths Interest Only Investment | 6.79% | 6.80% | Fixed | Investment | Interest only | 1 yr fixed |
| Premium Home Loan Fixed 36 mths P&I Investment | 6.89% | 6.76% | Fixed | Investment | P&I | 3 yr fixed |
| Premium Home Loan Fixed 36 mths Interest Only Investment | 6.99% | 6.86% | Fixed | Investment | Interest only | 3 yr fixed |
Other rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Basic Variable Rate Home Loan (5 tiers) | 6.39% | 6.44% | Introductory | Owner occupier | Interest only | LVR <=60% · interest in advance |
| Basic Variable Rate Home Loan (5 tiers) | 6.49% | 6.54% | Introductory | Owner occupier | Interest only | LVR 60-80% · interest in advance |
| Premium Home Loan Variable (5 tiers) | 6.64% | 6.69% | Introductory | Owner occupier | Interest only | LVR <=60% · interest in advance |
| Basic Variable Rate Home Loan (5 tiers) | 6.69% | 6.74% | Introductory | Owner occupier | Interest only | LVR >=80% · interest in advance |
| Premium Home Loan Variable (5 tiers) | 6.74% | 6.79% | Introductory | Owner occupier | Interest only | LVR 60-80% · interest in advance |
| Premium Home Loan Variable (5 tiers) | 6.74–7.04% | 6.79–7.09% | Introductory | Owner occupier | Interest only | LVR >=80% · interest in advance |
| Premium Home Loan Variable (5 tiers) | 6.89% | 6.94% | Introductory | Investment | Interest only | LVR <=60% · interest in advance |
| Premium Home Loan Variable (5 tiers) | 6.99% | 7.04% | Introductory | Investment | Interest only | LVR 60-80% · interest in advance |
| Premium Home Loan Variable (5 tiers) | 7.19% | 7.24% | Introductory | Investment | Interest only | LVR >=80% · interest in advance |
Conditions worth checking. Eligibility: Lending criteria, terms and conditions apply | Eligibility: Up to 95% of the valuation for owner occupied (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Up to 92% of the valuation for investment (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Eligibility: Lending criteria, terms and conditions apply | Eligibility: Up to 95% of the valuation for owner occupied (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). Up to 92% of the valuation for investment (Lenders Mortgage Insurance applies for over 80% Loan to Valuation). |