Central West Credit Union home loans

A closer look at the home loans provided by Central West Credit Union.

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On this page you can find information about Central West Credit Union home loans. Skip ahead to the full table of products or read more about the lender.

Compare Central West Credit Union home loans

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5 of 11 results
Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Custom Badges Monthly Payment
Central West Credit Union logo
Finder score
Central West Credit Union Special Fixed Rate Smart Home Loan
Finder score
Interest Rate
4.99%
Comparison Rate
5.48%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed5% min. equityOwner-occupierLMI
Monthly Payment
$806
per month
More info
Compare product selection
Central West Credit Union logo
Finder score
Central West Credit Union Premium Mortgage Smart Home Loan
Finder score
Interest Rate
5.54%
Comparison Rate
5.57%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest25% min. equityOwner-occupierOffset account
Monthly Payment
$857
per month
More info
Compare product selection
Central West Credit Union logo
Finder score
Central West Credit Union Special Fixed Rate Smart Home Loan
Finder score
Interest Rate
4.99%
Comparison Rate
5.48%
Fees
  • Application: $650
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed20% min. equityInvestmentNo LMI
Monthly Payment
$806
per month
More info
Compare product selection
Central West Credit Union logo
Finder score
Central West Credit Union Fixed Rate Smart Home Loan
Finder score
Interest Rate
5.59%
Comparison Rate
6.57%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest 2Y Fixed5% min. equityOwner-occupierLMI
Monthly Payment
$862
per month
More info
Compare product selection
Central West Credit Union logo
Finder score
Central West Credit Union Mortgage Smart Home Loan
Finder score
Interest Rate
6.65%
Comparison Rate
6.71%
Fees
  • Application: $0
  • Ongoing: $0 p.a.
Principal & Interest5% min. equityOwner-occupierOffset accountLMI
Monthly Payment
$964
per month
More info
Compare product selection
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Showing 5 of 11 results

Central West Credit Union lender profile

  • Central West Credit Union began life as the Central West County Council Employees Credit Union in 1966. Today this NSW-based credit union boasts a membership of more than 11,000.
  • Membership is open to any Australian. The credit union's head office is located in Parkes NSW and there are branches in Forbes and Cowra.
  • Central West Credit Union also offers its members saving accounts, term deposits, personal and business loans, insurance and financial planning.

How do I apply for a mortgage from Central West Credit Union?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Central West Credit Union you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

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Sources

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full breakdown

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Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips

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