Laboratories Credit Union Limited


Discounted Standard Variable Home Loan1

Save on your Owner Occupied home loan, with our 12 month introduction discount. Plus with no application or monthly fees, free redraw, offset facility and a competitive rate you won't miss out on any of the great SWSCU member benefits either. Apply online or talk to us today.1

  • 1.99%pa interest rate for the first 12 months of the loan (reverts to standard variable home loan rate). Comparison rate 3.55%pa.
  • No application, account or establishment fees
  • A no fee redraw facility
  • Unlimited additional repayments

1.99% pa2 Variable Introductory Interest Rate

3.55% pa3 Comparison Rate

3.70% pa
Interest Rate


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  How do I apply?

Discounted Standard Variable Home Loan
Interest Rates
Variable Introductory Interest Rate1.99% pa2
Comparison Rate3.55% pa3
Standard Variable Rate3.70% pa
Introductory Rate Term in Years1 
Flexible RepaymentsWeekly, Fortnightly, Monthly
Offset FacilityYes 
Minimum Amount$100000 
Maximum Term in Years30 
Redraw FacilityYes 
Additional Repayments AcceptedYes 
Application Fee$0 
Legal FeesAt cost
Valuation FeeAt cost
Establishment Fee$0 
Monthly Fee$0 
Redraw Fee$0 


1 Applications are subject to our normal credit assessment criteria. Terms and Conditions apply. Interest rates may change. Fees and Charges may apply.

2 Discount is applied for the first 12 months from the loan funding date after which time the interest rate will revert to the current Home Loan - Standard Variable Rate for the remainder of the term of the loan.

3 WARNING The comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Fees, charges, terms and conditions may apply