BSB 802-396

1, 2, 3 & 5 Year Fixed Invest Lite Home Loan

Perfect for

Loans $30k up to $250k

Secure investor

Loan Features

Enjoy the perks of a Fixed Invest Lite Home Loan, like:

Fixed rate terms available for 1,2,3 & 5 year loans

Additional repayment option

Top up facility

Redraw facility

  • Our Fixed Invest Lite Home Loan is available for personal home borrowers only who meet the Credit Unions standard lending criteria. Click here to view the Home Loan Key Facts Sheets.
  • For loans between $30k up to $250k, for a period of up to 30 years.
  • Term expiry – if the balance is greater than $30,000, borrowers may choose a fixed rate term for a further period (subject to remaining term of the loan).
  • Fixed rate reverts to the Variable Invest Lite interest rate at expiry of the fixed rate term.
  • No early repayment without penalty (within the fixed period).
  • A range of loan repayment insurance covers are available.


  • Direct credit
  • Electronic transfer


  • Online Redraw (electronic transfer)

Fees applicable to this product include:
• Valuation fee: at cost
• Legal fees: at cost
• Other fees may apply

This product has:
• A loan administration fee of $8 per month applies
• Free redraw facility
• Access Account with no transaction or account keeping fees applied by Catalyst Money (other fees and charges may apply)

Refer to the Credit Fees and Charges brochure and Fees, Charges and Transaction Limits brochure for more information.

Fixed term Interest rate Comparison rate
1 year fixed (P&I) 4.20% p.a. 5.46% p.a.
1 year fixed (IO) 4.60% p.a. 5.50% p.a.
2 year fixed (P&I) 4.30% p.a. 5.37% p.a.
2 year fixed (IO) 4.65% p.a. 5.43% p.a.
3 year fixed (P&I) 4.30% p.a. 5.27% p.a.
3 year fixed (IO) 4.70% p.a. 5.38% p.a.
5 year fixed (P&I) 5.24% p.a. 5.50% p.a.
5 year fixed (IO) 5.24% p.a. 5.50% p.a.

Refer to our rates and fees for more information. Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.

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Important notes

Fixed rate shown is for loans less than $250,000. 1.Rates current as at 08/05/2018 and are subject to change. Fixed Invest Lite rate reverts to our Variable Invest Lite rate after the fixed period. *Comparison rates are calculated on a loan amount of $150,000 over a term of 25 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. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure.