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Laboratories Credit Union home loans

Laboratories Credit Union has home loan rates starting from 5.69%

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Richard Whitten

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Laboratories Credit Union is a member-owned lender and offers a range of home loans for Australian borrowers. Check out the full table of Laboratories Credit Union products below or read more about the lender.

Compare Laboratories Credit Union home loans for April 2024

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1 - 5 of 9
Updated regularly
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Laboratories Credit Union Property Fixed Investment Loan
Principal & InterestInterest only 1Y Fixed5% min. depositInvestmentOffset account
Interest Rate
6.59%
Comparison Rate
6.30%
Fees
Application: $916.24
Ongoing: $0 p.a.
Monthly Payment
$958
More Info
Laboratories Credit Union Savvy First Home Buyer Loan
Principal & InterestInterest only5% min. depositOwner-occupierOffset account
Interest Rate
5.69%
Comparison Rate
6.11%
Fees
Application: $916.24
Ongoing: $0 p.a.
Monthly Payment
$871
More Info
Laboratories Credit Union Intelligent Mortgage Fixed Home Loan
Principal & InterestInterest only 1Y Fixed5% min. depositOwner-occupierOffset account
Interest Rate
6.59%
Comparison Rate
6.30%
Fees
Application: $916.24
Ongoing: $0 p.a.
Monthly Payment
$958
More Info
Laboratories Credit Union Intelligent Mortgage Variable Home Loan
Principal & InterestInterest only5% min. depositOwner-occupierOffset account
Interest Rate
5.95%
Comparison Rate
6.01%
Fees
Application: $916.24
Ongoing: $0 p.a.
Monthly Payment
$896
More Info
Laboratories Credit Union Intelligent Mortgage Fixed Home Loan
Principal & InterestInterest only 2Y Fixed5% min. depositOwner-occupierOffset account
Interest Rate
7.24%
Comparison Rate
6.40%
Fees
Application: $916.24
Ongoing: $0 p.a.
Monthly Payment
$1,024
More Info
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Showing 5 of 9 results

Laboratories Credit Union key facts

  • Laboratories Credit Union is a member-owned lender based in North Ryde, New South Wales.
  • Laboratories Credit Union offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as personal loans, travel, savings accounts and term deposits.

Laboratories Credit Union home loan features

FeatureDetails
Minimum depositIt is possible to get a home loan from Laboratories Credit Union with a deposit under 5%.
Offset account?You can get an offset account with several Laboratories Credit Union loans.
Repayment optionsSeveral Laboratories Credit Union home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Laboratories 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 Laboratories 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).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

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