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Orange Credit Union · Home loans
Premium Home Loan Variable
Orange Credit Union's Premium Home Loan Variable is a home loan. The figures are the ones Orange Credit Union publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 6.29% to 6.54%.
Advertised rate
6.54%
headline tier
Comparison rate
6.59%
as published
Last moved
+0.25pp
8 October 2026
Advertised rate, last 30 days. Between 6.29% and 6.54% over the last 30 days.
Every current rate (36)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%<=60% LVR | 6.54% | 6.59% |
| Introductory 1 year, Owner occupier, Interest only, LVR up to 60% | 6.64% | 6.69% |
| Introductory 2 years, Owner occupier, Interest only, LVR up to 60% | 6.64% | 6.69% |
| Introductory 3 years, Owner occupier, Interest only, LVR up to 60% | 6.64% | 6.69% |
| Introductory 4 years, Owner occupier, Interest only, LVR up to 60% | 6.64% | 6.69% |
| Introductory 5 years, Owner occupier, Interest only, LVR up to 60% | 6.64% | 6.69% |
| Variable, Owner occupier, P&I, LVR 60 to 80%60.01-80% LVR | 6.64% | 6.69% |
| Introductory 1 year, Owner occupier, Interest only, LVR 60 to 80% | 6.74% | 6.79% |
| Introductory 1 year, Owner occupier, Interest only, LVR over 80% | 6.74% | 6.79% |
| Introductory 2 years, Owner occupier, Interest only, LVR 60 to 80% | 6.74% | 6.79% |
| Introductory 3 years, Owner occupier, Interest only, LVR 60 to 80% | 6.74% | 6.79% |
| Introductory 4 years, Owner occupier, Interest only, LVR 60 to 80% | 6.74% | 6.79% |
| Introductory 5 years, Owner occupier, Interest only, LVR 60 to 80% | 6.74% | 6.79% |
| Variable, Investor, P&I, LVR up to 60%<=60% LVR | 6.79% | 6.84% |
| Variable, Owner occupier, P&I, LVR over 80%80.01%+ LVR | 6.84% | 6.89% |
| Introductory 1 year, Investor, Interest only, LVR up to 60% | 6.89% | 6.94% |
| Introductory 2 years, Investor, Interest only, LVR up to 60% | 6.89% | 6.94% |
| Introductory 3 years, Investor, Interest only, LVR up to 60% | 6.89% | 6.94% |
| Introductory 4 years, Investor, Interest only, LVR up to 60% | 6.89% | 6.94% |
| Introductory 5 years, Investor, Interest only, LVR up to 60% | 6.89% | 6.94% |
| Variable, Investor, P&I, LVR 60 to 80%60.01-80% LVR | 6.89% | 6.94% |
| Introductory 1 year, Investor, Interest only, LVR 60 to 80% | 6.99% | 7.04% |
| Introductory 2 years, Investor, Interest only, LVR 60 to 80% | 6.99% | 7.04% |
| Introductory 3 years, Investor, Interest only, LVR 60 to 80% | 6.99% | 7.04% |
| Introductory 4 years, Investor, Interest only, LVR 60 to 80% | 6.99% | 7.04% |
| Introductory 5 years, Investor, Interest only, LVR 60 to 80% | 6.99% | 7.04% |
| Introductory 2 years, Owner occupier, Interest only, LVR over 80% | 7.04% | 7.09% |
| Introductory 3 years, Owner occupier, Interest only, LVR over 80% | 7.04% | 7.09% |
| Introductory 4 years, Owner occupier, Interest only, LVR over 80% | 7.04% | 7.09% |
| Introductory 5 years, Owner occupier, Interest only, LVR over 80% | 7.04% | 7.09% |
| Variable, Investor, P&I, LVR over 80%80.01+% LVR | 7.09% | 7.14% |
| Introductory 1 year, Investor, Interest only, LVR over 80% | 7.19% | 7.24% |
| Introductory 2 years, Investor, Interest only, LVR over 80% | 7.19% | 7.24% |
| Introductory 3 years, Investor, Interest only, LVR over 80% | 7.19% | 7.24% |
| Introductory 4 years, Investor, Interest only, LVR over 80% | 7.19% | 7.24% |
| Introductory 5 years, Investor, Interest only, LVR over 80% | 7.19% | 7.24% |
Rate moves, last 30 days
- 8 October 2026: Introductory 1 year, Owner occupier, Interest only, LVR over 80% cut 0.05pp, from 6.79% to 6.74%.
- 8 October 2026: 12 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 6.29% to 6.54%.
Published fees
| Fee | Amount |
|---|---|
| Mortgage establishment feeupfront | $155 |
| Loan security discharge feeon exit | $200 |
| Switch feewhen it happens | $250 |
Other Orange Credit Union home loans
Basic Variable Rate Home Loan 6.29%Premium Home Loan Fixed 24 mths P&I Owner Occupied 6.34%Premium Home Loan Fixed 12 mths P&I Owner Occupied 6.44%Premium Home Loan Fixed 24 mths Interest Only Owner Occupied 6.44%Premium Home Loan Fixed 12 mths Interest Only Owner Occupied 6.54%Premium Home Loan Fixed 24 mths P&I Investment 6.59%Premium Home Loan Fixed 36 mths P&I Owner Occupied 6.64%Premium Home Loan Fixed 12 mths P&I Investment 6.69%Premium Home Loan Fixed 24 mths Interest Only Investment 6.69%Premium Home Loan Fixed 36 mths Interest Only Owner Occupied 6.74%Premium Home Loan Fixed 12 mths Interest Only Investment 6.79%Premium Home Loan Fixed 36 mths P&I Investment 6.89%
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