Home Sweet Home Loan
Our premium Holiday Coast Home Sweet Home Loan package offers a really sweet interest rate and gives you the flexibility to meet your changing circumstances over the term of your loan.
Features such as the ability to make extra repayments, Take-a-Break from repayments, refinance to another “Holiday Coast” loan if need be and a 100% offset account, allow you to manage your mortgage as you choose.
ABOUT THE PRODUCT
Variable interest rate home loan that fluctuates as the market changes with many money saving features such as a 100% offset account# and the flexibility to make extra repayments without penalty so you can manage your mortgage as you choose. Always compare loans with the same features when looking for the best interest rate.
ELIGIBILITY
Available for new and existing Borrowers.
INTEREST RATE CALCULATION METHOD
Interest is calculated daily and charged monthly. When interest is calculated daily, weekly or fortnightly repayments result in less interest being charged to your loan over the course of the loan.
LOAN PURPOSE
Finance can be for new loans, refinance loans from other institutions and increase to existing facilities. Vacant Residential Land – Existing House & Land – Strata Unit – Construction Loan – Improve & Renovate an Existing Property - Refinance an Existing Mortgage.
FEES
Although there is no application fee payable when you decide to take a Home Sweet Home Loan, other fees will apply such as legal costs, valuations, stamp duty and other costs.
BENEFITS THAT DELIVER REAL SAVINGS
- No application fees
- 100% offset account
- Re-draw facility with no fee attached
- Deferred first repayment due 2 months after your loan is finalised*
- Ability to Skip-a-Loan-Payment annually, not limited to Christmas but on your request with no fee attached*
- Visa Debit Card with no annual fee with overdraft interest at a really sweet interest rate
- “Take-a- Break” from your loan repayments when you are on Maternity Leave*
- Make additional repayments without penalty
TOOLS TO HELP YOU GET STARTED
READY TO APPLY FOR A HOME LOAN TO SUIT YOUR NEEDS?
It's easy, so when you’re ready to apply, or if you have any questions regarding a Home Loan from Holiday Coast Credit Union;
- Visit your local branch and we'll set up an appointment for you to speak with one of our fully qualified and experienced lenders
- Call us on 1300 365 7 24, between 8am and 6pm Monday, Wednesday, Thursday & Friday, 8am and 5pm Tuesday, and speak to a Holiday Coast Member Contact team member
- Apply on-line
- Contact us and we'll make arrangements for one of our mobile lenders to come to you!
Lending criteria and fees and charges apply. Terms and conditions apply and are available on request. *Interest will still accrue. # The offset account under our Home Sweet Home product is a Holiday Coast Save More Savings account or a Holiday Coast Payroll Plus Account. Lending product is issued by Holiday Coast Credit Union Ltd. Information on this website does not take into account your personal needs and financial circumstances. We recommend that you read the important information about our lending products in considering if this product is right for you.