RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 3.8%  
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Example Interest Rates: Home Loan Variable: 5.69% (5.49%*) • Home Loan Fixed: 5.94% (6.44%*) • Fixed: 5.94% (6.44%*) • Variable: 5.69% (5.49%*) • Investment IO: 5.92% (5.98%*) • Investment PI: 5.94% (5.98%*)
WAW Credit Union Product Details

  Flexible Choice Owner Occupied

Flexible Choice Owner Occupied
Category: Home Loans  Last Updated May 20, 2026  Effective August 21, 2026

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
6.05% PA
Comparison Rate
6.78%PA*
Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Lending Rate Type: Variable
Interest Rate: 6.99%, Comparison Rate 7.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.30%, Comparison Rate 6.98%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.20%, Comparison Rate 6.89%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.15%, Comparison Rate 6.81%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.55%, Comparison Rate 6.89%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.65%, Comparison Rate 6.90%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.20%, Comparison Rate 6.97%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.10%, Comparison Rate 6.87%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.05%, Comparison Rate 6.78%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.45%, Comparison Rate 6.85%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.55%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

  • Redraw
  • Offset
  • Extra Repayments

Product Eligibility

  • Min Age - 18.

Bank Fees and Charges

  • Home Loan Application Fee - New Applications (Event), Amount: Not Listed..
  • Loan Discharge Fee Registration Or Settlement (Event), Amount: Not Listed.. Additional Information: Plus out of pocket expenses
  • Home Loan Top Up Fee Existing Loan (Event), Amount: Not Listed..
  • Loan Substitution Of Property Mortgage Fee (Upfront), Amount: Not Listed..
  • Loan Variation Fee (Event), Amount: Not Listed..
  • Loan Valuation Fee (Cash Advance), Amount: Not Listed..
  • Loan Legal Fees, Valuations, Surveys, And Settlement Fees (Cash Advance), Amount: Not Listed..
  • Fixed Rate Lock In Fee (Upfront), Amount: Not Listed.. Additional Information: borrowed amount
  • Loan Offset Service Fee (Periodic), Amount: Not Listed..
  • Loan Redraw Facility Fee Online (Transaction), Amount: Not Listed..
  • Loan Redraw Facility Fee Over Counter (Transaction), Amount: Not Listed..

 Limitations & Restrictions (Constraints)

  • Min Limit of 45000.00
  • Max Limit of 3500000.00

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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