Intech Bank home loans

Learn about home loans from Intech Bank to determine if they're right for you.

Intech has been in operation for more than 40 years and offers a variety of financial services to its members. As well as credit and debit cards, savings accounts and insurance, it also offers many choices of home loan.

Intech merger

On 1 January 2017 Intech Credit Union merged with Bank Australia and became Intech Bank.

Who is Intech Bank?

Like all Banks, Intech aims to offer the best financial solutions to its members. It has many different home loan options available so borrowers can find a product that suits their budget and financial situation.

The loans available range from basic, no-frills options to offset loans, split loans and interest-only options.

Home loans provided by Intech

Classic home loan

The classic home loan is simple, flexible and cost-effective. It offers low rates and easy management options, and can be split between fixed and variable rates. It is available for those looking to purchase a family home, and people buying an investment property or even vacant land.

There are no monthly fees with the Classic Home Loan and borrowers can make extra payments without being penalised. Flexible repayment options available, redraws are free, and the loan can be approved within 24 hours.

Classic Fixed Rate home loan

This type of home loan is suitable for those borrowers who wish to know exactly where they stand with repayments. An interest-only option is available with this loan, or it can be split between variable and fixed rates.

There are no ongoing fees but a break fee may be applicable if the loan is paid out during the fixed rate period. Optional loan repayment insurance is available to help the borrower make repayments when unable to do so.

Interest Only home loan

The Interest Only Loan is the best Intech solution for property investors. It offers the borrower the flexibility to invest in property without locking in too much cash. This type of loan is available with the Classic Home Loan or Fixed Rate Home Loan.

Split loan options are available as well.

Mortgage Master home loan

The Mortgage Master offers the convenience of an all-in-one mortgage facility. It’s offers a line of credit that allows you to conduct day-to-day banking and mortgage repayments through one easy account.

Designed with both owner-occupiers and investors in mind, the Mortgage Master features a combined home loan and access account, competitive rates and no ongoing fees. There are also no fees for early repayments.

Other home loans

Other loans offered by Intech Bank include the 100% Mortgage Offset, which lets you offset your savings balance against the balance of your home loan, and the Titanium Advantage Package. This package offers a reduced interest rate to help you save money.

Pros and cons of Intech Bank home loans


  • Large range. Intech offers a range of home loans to suit just about every borrower, whether they are owner-occupiers or investors.
  • Split loan options. These allow the savvy borrower to have more than one interest option to maximise the advantages of each rate.
  • Online tools. Intech’s website provides clearly written loan comparison tools and downloadable fact sheets to help you work out which is the most suitable loan type for you.


  • No redraw. Redraw facilities are not available on fixed rate loans during the fixed rate period.

How to apply for an Intech Bank home loan

To be eligible for a home loan you must be over 18 years of age and have a good credit rating. You also have to be a permanent Australian resident and be earning an income no less than $15,000 per year. If you would like to apply for a home loan from Intech Bank, please speak to a mortgage broker.

Documents needed to apply for an Intech Bank home loan

To apply for an Intech home loan, you'll have to supply some documents to help identify you and help Intech decide whether or not you'd be able to pay back your loan. These include:

  • Identification such as your driver's licence.
  • Your income details, along with details about your current debts and assets.
  • Information about your current job and employer. If you're self employed you'll need to supply the contact details for your accountant.

Before deciding whether one of Intech Bank’s home loans is right for you, compare the bank’s products with other loans on the market and speak to an expert to get tailored advice.

With a mortgage broker today

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