Standard Variable Home Loan

What are you looking for?

Products
- Home Loans
  Popular Home Loans
  Get into your new home faster with one of our Home Loans
  
  Basic Variable Home Loan
  A flexible loan with a rate that changes according to the financial market
  
  Fixed Home Loan
  Enjoy the certainty of knowing exactly what your repayments will be
  
  Standard Variable Home Loan
  A flexible loan with all the features that you need
  
  Home Equity Loan
  Access the equity in your home
  
  Home Loan - Interest Only
  An interest only loan can help you free up the funds you need
- Car Loans
  Popular Car Loans
  With a Transport Mutual Car Loan you can be driving away in no time.
  
  FastRoad New Car Loan
  A flexible loan with a rate that changes according to the financial market
  
  FastRoad Used Car Loan
  Looking for a vehicle over 5 years old? This loan is for you
  
  GreenRoad – EV’s, hybrids, solar panels & batteries, and now bicycles including e-bikes!
  Working towards a greener future
- Personal Loans
  Popular Personal Loans
  See our range of Personal Loans
  
  Personal Loan
  From holidays to home improvements, a personal loan can provide the funds you need to make it happen
  
  Credit Card Crusher
  Credit cards causing you headaches? Why not take control of your credit card debt and apply for a Credit Card Crusher.
  
  Travel Loan
  The perfect way to fund your next holiday
  
  GreenRoad Loan
  Buy and install clean energy products such as solar, ebikes and more, with a GreenRoad loan.
  
  Personal Loans for Fixer Uppers!
  Whether you are renovating your home or buying new furniture, a Fixer Upper loan can help
- Savings & Term Deposits
  Popular Savings Accounts
  Transport Mutual has an account to meet your needs
  
  Multi Access Account (S4)
  An easy access day-to-day operating account
  
  Business Account (S50)
  A business cheque account for small businesses
  
  Redifund Account (S7)
  A cash management account for serious savers
  
  Premium Savers Account (S8)
  A cash management account for serious savers
  
  Christmas Club Account (S5)
  An easy way to save up for Christmas expenses.
  
  Term Deposits
  Competitive rates and various fixed interest terms available - min $1000 deposit
  
  SMSF Accounts
  Looking for an excellent return on investments for your Self Managed Superannuation Fund?
  
  TMCU Kids Saver High Interest Account
  An online savings account for newborns to 16 year‑olds.
- Financial Planning
  Financial Planning
  Strategies and advice to improve your financial circumstances
  
  The Planning Process
  Strategies and advice to improve your financial circumstances
- Sending And Receive Money from overseas
  Overseas Payments
  With our International Payments Service, you can send money to 200 countries and territories in over 130 currencies.
  
  Inward Transfers
  Have funds transferred directly into your Transport Mutual account from overseas
  
  Foreign Currency Cheque Conversions
  Have funds transferred directly into your Transport Mutual account from overseas
- Travel Insurance
Quick Links
About Transport Mutual
News
- News

Our standard variable rate loan has all the features you need with an interest rate that changes according to the financial markets.

8.88 % p.a. Interest rate 8.98 % p.a. Comparison rate

Mortgage offset savings account
No ongoing loan service or account keeping fees

No penalty for early repayment
Redraw available on advance repayments

Flexible repayments to suit you

How much would my repayments be?

Key Facts Sheet Calculator

Special Offers

Standard Variable Home Loan Key Features

Product Features:

Home Loans
Minimum Loan Amount :	$30,000
Loan Period :	Up to 30 years
Repayments :	Weekly, fortnightly or monthly
Interest Charges :	Calculated daily, charged monthly
Establishment Fee :	$375 plus associated Legal and Valuation fees (at cost)
Account Keeping Fees :	Nil
Variable and Lump Sum Repayments :	Yes
Early Repayment without Penalty :	Yes
Landlord Insurance available :	Yes
Redraw facility :	Yes (free redraw, minimum amount $100)
Top up facility available :	Yes
Offset facility available :	Yes

Things you should know

We're ready to help you

You might be interested in...

5 of the Best Places to Spend Christmas

5 of the Best Places to Spend Christmas

Top tips for travelling with kids

Top tips for travelling with kids

Why choose Transport Mutual Credit Union?

Transport

We're here for Transport Workers
Service

We put you first
Ethical

We do what's right
Sustainable

We care about tomorrow

Important Information:

Terms and conditions, fees and charges and approval conditions apply.

Footnotes:

¹ The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
² You must be at least one months repayment in advance plus $1,000 to obtain a redraw.

Sitemap

PRODUCTS

QUICKLINKS

ABOUT TRANSPORT MUTUAL

CONTACT US

(02)9763 3190
members@transportmutual.com.au
802 847

Privacy | Security

@2024 Transport Mutual Credit Union Limited | ABN 78 087 650 600| AFSL / ACL 240718

Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate to you. Please review our Conditions of Use, Financial Services Guide, Fees and Charges Schedules and our Privacy Statement before acquiring a financial product.