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Home Loans

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Variable Home Loan

A fully featured loan at a great rate. Real flexibility so you can manage your mortgage as you choose.

  • Available for owner-occupier or investment property purchases
  • No monthly account keeping fees
  • Make extra repayments and redraws without penalty

Find out more

4.24% pa
variable interest rate

4.24% pa
comparison rate1

Apply Online Enquire

1 Year Fixed Loan

A fixed rate loan gives you the security of knowing what your repayments will be for the next 12 months.

  • Low fixed rate for 12 months
  • No monthly account keeping fees
  • Make extra repayments and redraw without penalty
Find out more

3.74% pa
fixed interest rate

4.19% pa
comparison rate1

Apply Online Enquire

2 Year Fixed Loan

A fixed rate loan gives you the security of knowing what your repayments will be for the next 2 years.

  • Low fixed rate for 24 months
  • No monthly account keeping fees
  • Make extra repayments and redraw without penalty

Find out more

3.69% pa
fixed interest rate

4.14% pa
comparison rate1

Apply Online Enquire

3 Year Fixed Loan

A fixed rate loan gives you the security of knowing what your repayments will be for the next 3 years.

  • Low fixed rate for 36 months
  • No monthly account keeping fees
  • Make extra repayments and redraw without penalty

Find out more

3.79% pa
fixed interest rate

4.12% pa
comparison rate1

Apply Online Enquire

First Home Buyer Loan

Let Select Encompass make the process of buying your first home a whole lot easier.

  • Variable and lump sum repayments
  • No monthly account keeping fees
  • Early repayment without penalty
Find out more

3.74% pa
variable interest rate

4.15% pa
comparison rate1

Apply Online 

Enquire

Family Helper Home Loan

With prices continually on the rise the journey towards purchasing your first home isn't going to be easy without a little help.

  • Use equity from your home to provide security for loan
  • Borrow up to 100% of the value of the property
  • Loan includes stamp duty and other upfront costs
Find out more

3.74% pa
variable interest rate

4.15% pa
comparison rate1

Apply Online Enquire

Mortgage Line of Credit

Reduce your repayments by reducing the balance of your loan by the balance of your savings account.

  • A mortgage loan that acts like an overdraft
  • Use your income to reduce your loan interest
  • You may never have to apply for another loan again
Find out more

4.39% pa
variable interest rate

Apply Online Enquire

Additional information

1 Comparison rates are calculated on a loan amount of $30,000 over a term of 5 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.

  • Thank you so much for all your help along the way

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    You were vital to keeping everything running as smoothly as it did. I sincerely appreciate t

  • I have not experienced such excellent service when borrowing money

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    I really have to thank you for the work you have done today.

    I have not experienced such

  • Thank you for all your hard work

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    Thank you for all your hard work and the efficiency you have shown in getting approvals so f

  • Thank you again

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    Just want to take this time to thank you for your assistance with my paying off my home loan

  • Really great to be treated like a person

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    Once again thank you for all your help. It really great to be treated like a person. ‒ Di

  • Very helpful

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    All of your information is very helpful and it's been a joy dealing with you. ‒ Karen

  • Pleasant Experience

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    Each time we have had contact with any of the staff at Select Encompass Credit Union it ha

  • Most unexpected thrill to win

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    I wish to thank you for the IPAD I won by filling out a member survey and which I collected

  • How appreciative I am of your Credit Union

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    I can't believe that I have been with the credit union so long and I plan to be with you

  • So glad to be a member of Select Encompass

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    Thankyou so much for your assistance. You can't know how grateful I am. I am just so g

  • You made the process extremely easy

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    Steve and I would like to say thank you for your help on our loan. You made the process extr

  • Nice to know a bank cares

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    Nice to know a bank cares! ‒ Liz

     

  • I just love the personalised service!

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    This is why I've stayed with a credit union just love the personalised service :) Thanks

  • Your services have grown with me as my needs have changed

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    I have been banking with the credit union for 15 years now and your services have grown with

  • I wish to highly commend staff at the Gymea Branch

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    I wish to highly commend staff at the Gymea Branch for extremely pleasant and professional s

  • Big tick for Select Encompass

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    Thanks for your help through the process. Big tick for Select Encompass for being an easy-