Get a home loan with Nova Credit Union today!

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Home Loans

One of the biggest financial decisions that you will ever make will involve buying a house, unit or block of land, so come and have a personalised interview with Yvonne or David at Nova Credit Union.

Nova has a range of home loans and property related loans which can be used for investing and other wealth creation opportunities, including home improvements, so why not talk to us.

Home Loan Rate
4.44% pa

Comparison
Home Loan Rate
4.44% pa*


Contact Us

Contact us today to discuss your loan options

At Nova we offer a range of Home Loans to suit all individual needs. Whether you are a first home owner, a family looking to upsize or planning for retirement we have a package that suits you.

Home Loan Rate
4.44% pa

Comparison
Home Loan Rate
4.44% pa*

Key features of a Nova Credit Union Home Loan

Up to 95% of property valuation.
Terms up to 30 years, with special redraw facility (minimum $500).
Nova Credit Union’s mortgage loans are completely fee free.
Ability to make unlimited additional payments, allowing you to pay your loan off sooner.
Flexible repayments, at Nova you are able to pay weekly, fortnightly or monthly, whatever suits your personal requirements.
We offer competitive variable interest rate loans or interest only loans and due to the many different priorities of our members we can package the features of a loan to suit you. For example, you may want an interest only loan for investment purposes or you may want a Line of Credit so you can afford the extras for your house or you may want a ‘no frills’ basic home loan with a consistently low interest rate.
Loans are subject to the Credit Union’s lending policy and must be secured by a mortgage over residential zoned property. Fees and charges may apply.
We can arrange your Building and Contents and/or Landlords Insurance for you together with Loan Protection Insurance for peace of mind and added security.

 

Apply Here

 

 

Contact Nova

 

Have you found that perfect block of land where you want to build your dream home?

Do you want to build you own home so that it reflects you and your family?

At Nova Credit Union we can help you achieve those dreams and like your new home that reflects you as individual, our land/building loans will also reflect your individual financial needs.

Home Loan Rate
4.79% pa

Comparison
Home Loan Rate
4.79% pa*

Key features of a Nova Credit Union Land and/or Building Loan

We can arrange everything so that you don’t need to even contact your current institution.
We guide you through the process.

 

Apply Here

 

 

Contact Nova

 

Looking to make a change, want a credit union that can offer you one on one service, disillusioned with you current financial institution? Our strength at Nova Credit Union is our ability to personalise loans, our aim is to provide you with a home loan that suits your individual needs.

Home Loan Rate
4.79% pa

Comparison
Home Loan Rate
4.79% pa*

Key features of refinancing with a Nova Credit Union home loan

We can arrange everything so that you don’t need to even contact your current institution
We guide you through the process.

 

Apply Here

 

 

Contact Nova

 

If you want a Nova Loan that offers you that little bit more flexibility to renovate, invest, travel; then maybe our line of credit loan is the one that you are looking for.

Line of credit rate
5.015% pa

Key features of a Nova Credit Union line of credit

Line of Credit loans are available for eligible members as a pre-approved revolving credit facility.
Funds are available for you whenever you need them, it allows for flexibility for how you manage your funds.
Interest is only charged when you use your Line of Credit.
Acceptable securities are a mortgage over residential real estate or a Term Deposit with Nova.
Up to 80% of property valuation.
Nova Credit Union’s mortgage loans are completely fee free.
Ability to make unlimited additional payments, allowing you to pay your loan off sooner or increasing the amount of funds available to redraw.
At Nova you are able to pay weekly, fortnightly or monthly, whatever suits your personal requirements.
Our Home Loans offer terms up to 30 years and a flexible repayment scheme with the option of making additional repayments to reduce the interest and term of your loan.
Loans are subject to the Credit Union’s lending policy and must be secured by a mortgage over residential zoned property. Fees and charges may apply.
We can arrange your Building and Contents and/or Landlords Insurance for you together with Loan Protection Insurance for peace of mind and added security.

 

Apply Here

 

 

Contact Nova

 

More information on Nova Credit Union loans.

  • Calculators and Tools
  • Interest Rates
  • What information do we need from you?
  • What other loans are available?
How much can I borrow?

For information on how much you can borrow, click on the link below. Estimate your repayments at the current interest rates

What are the current interest rates for home loans?

For information on how much you can borrow, click on the link below. Estimate your repayments at the current interest rates.

What you’ll need to provide to us when you apply:

For a full listing of extra information we require to process a loan application, click below.

Additional loan options from Nova Credit Union

*Important information The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. 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.