Home Loans

Coastline Credit Union has been making people feel right at home with their loans for over 50 years. Our dedicated Home Lending Experts know the area, the market and their business. They'll show you how much you can borrow and what your repayments will be, then walk you through all the available choices so that when you move into your new home, you'll know that you have the best loan for your pocket, your lifestyle and your future.

The Classic Home Loan

  • Introductory Home Loan

  • Looking for a 'No Frills' Home Loan at a great rate? Can you contribute to a larger deposit towards your home loan? Then the Classic Home Loan is for you!

    3.99% p.a. interest rate

    4.15% p.a. comparison rate

  • The Classic Home Loan features:

    • Principal + Interest Loan
    • Flexible repayment options
    • Minimum 25% deposit required
    • Loan minimum $100,000
    • Monthly fee $8
    • Establishment fee $200
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges 

    Comparison Rate warning

    Home Loan Key Facts Sheet

Minimiser Home Loan

  • Minimiser Home Loan

  • The Minimiser Home Loan is for borrowers who want a no-frills home loan with no bells and whistles - just the absolute lowest on-going interest rate.

    4.29% p.a. interest rate

    4.44% p.a. comparison rate

  • Minimiser Home Loan features:

    • Principal + Interest Loan
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $8
    • Establishment fee $200
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet

Option Home Loan

  • Option Home Loan

  • The Option Home Loan is for borrowers who would benefit from a fully-optioned home or investment loan that comes with discounted savings account transaction fees and a whole lot more.

    4.74% p.a. interest rate

    4.89% p.a. comparison rate

  • Option Home Loan features:

    • Principal + Interest Loan
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $8
    • Establishment fee $200
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet

No Fee Home Loan

  • No Fee Home Loan

  • A great loan for home buyers who want to keep their home loan entry costs to an absolute minimum.

    5.04% p.a. interest rate

    5.04% p.a. comparison rate

  • No Fee Home Loan features:

    • Principal & Interest Loan 
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • No monthly fee 
    • No establishment fee 
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet

2 Year Fixed Rate Home Loan

  • 2 year fixed Residential loan

  • For owner occupiers that need a rock solid base to build their home budgets on. Fix your rate for the first 24 months. The fixed rate reverts to the variable rate after the fixed period.

    4.79% p.a. interest rate

    5.14% p.a. comparison rate

  • 2 Year Fixed Rate Home Loan features:

    • Principal + Interest Loan
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $8
    • Establishment fee $200
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available

    Contact us to find out more about our fixed rate home loans.

  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet

Option Investment Home Loan

  • 1 Year Fixed Rate Home Loan

  • The Option Investment Home Loan is for borrowers who would benefit from a fully-optioned home or investment loan that comes with discounted savings account transaction fees and a whole lot more.

    5.34% p.a. interest rate

    5.49% p.a. comparison rate

  • Option Investment Home Loan features:

    • Principal + Interest Loan
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $8
    • Establishment fee $200
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet 

Variable Residential Investment Loan

  • 3 year fixed home loan

  • There are a number of ways you can invest your money to make it work harder for you. Our Variable Residential Investment loan may be just what you need for your property investment.

    5.64% p.a. interest rate

    5.70% p.a. comparison rate

  • Variable Residential Investment Loan features:

    • Principal and Interest Loan
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $8
    • Establishment fee $200
    • Loan period flexibility 
    • Redraw facility (minimum $500)
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet 

     

Home Equity Access Home Loan ($50,000 to $150,000)

  • Home Equity Assets Home Loan

  • Home Equity Access Home Loan ($50,000 to $150,000)

    A flexible line of credit that lets you access the equity in your property for other purchases and investments.

    5.04% p.a. interest rate

    5.16% p.a. comparison rate

  • Home Equity Access Home Loan $50,000 to $150,000 features:

    • Use existing home equity for renovations or investment 
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $5
    • Establishment fee $865
    • Loan period flexibility 
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet 

Home Equity Access Home Loan $150,000+

  • Home Equity Access Home Loan ($150,000+)

    A flexible line of credit that lets you access the equity in your property for other purchases and investments.

    4.74% p.a. interest rate

    4.86% p.a. comparison rate

  • Home Equity Access Home Loan ($150,000+) features:

    • Use existing home equity for renovations or investment 
    • Flexible repayment options
    • Borrow up to 90% of the property value
    • Monthly fee $5
    • Establishment fee $200
    • Loan period flexibility 
    • Loan repayment insurance available
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet 

Reverse Mortgage

  • Reverse Mortgage Home Loan

  • If you are aged 65 years or over, a Reverse Mortgage Loan can give you a richer more rewarding lifestyle in retirement without the need to sell your home. Simply release some of the cash value locked up in your home with a Coastline Reverse Mortgage Loan. This type of loan differs from most mortgages as no regular loan repayments or interest charges are due whilst you are living in the home. The loan plus all interest and fees, only become due when you permanently vacate or sell your home. A reverse mortgage can be used to supplement your regular income, holiday, car purchase, home improvements and more.

    5.74% p.a. interest rate

    5.83% p.a. comparison rate

  • Reverse Mortgage features:

    • Release up to $120,000 of equity value in your home
    • Loan available as lump sum
    • Maintain full ownership of your home
    • No penalty for voluntary loan repayments or early repayment
    • Variable interest rate
    • Redraw facility (minimum $500)
    • No negative equity guarantee
  • Apply Online

    Our online application form is secure, quick and straight-forward - submit your details to us now in minutes.

    Apply Now  Print

    Visit one of our branches

    Where one of our friendly team members will help find the right product for you. 

    Locate your nearest branch

    Lending criteria, conditions and fees apply.

    Schedule of Loan Fees and Charges

    Comparison Rate warning

    Home Loan Key Facts Sheet