Select Encompass Credit Union Home Loans

Rates and fees last updated on
select encompass CU

Select Encompass Credit Union Home Loans

Select Encompass Credit Union (formerly Select Credit Union) was established in 1963 for the employees of the Sydney County Council (now Ausgrid) and their families. The community bank grew over time and opened its doors to the public in 1995.

Select Credit Union merger

On 1 July 2016 Select Credit Union finalised a merger with Encompass Credit Union to become Select Encompass Credit Union offering its customers the same great experience just with a broader base.

Becoming a member of Select Encompass Credit Union gives the benefits associated with banking with a community-based organisation that values its customers. It aims to offer competitive rates, quality service and personalised advice to its members.
Its range of home loan products includes fixed and variable rates, flexible features, and options for buyers, investors and those looking to refinance. Read on to find out more.

Rates last updated June 23rd, 2017
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
3.74% 4.15% $0 $0 p.a. 95% More info
3.89% 4.18% $0 $0 p.a. 95% More info
3.99% 4.19% $0 $0 p.a. 95% More info
Select Encompass Credit Union Variable Home Loan
Great features such as make extra repayments and redraws without penalty.
$0 $0 p.a. 95% More info
3.74% 4.15% $0 $0 p.a. 95% More info
4.39% $0 $0 p.a. 95% More info
4.34% 4.62% $0 $0 p.a. 95% More info

Home loans offered by Select Encompass Credit Union

Super Mortgage Home Loan

This loan offers a range of benefits and allows you to make extra repayments and redraws without penalty. It does not attract any monthly account-keeping fees and lets you make repayments weekly, fortnightly or monthly.

Super Equity Access

The Super Equity Access Loan lets you reduce your repayments by lowering the balance of your loan using a savings account. This lets you to pay off your loan quicker.

Features include no application or account-keeping fees, the opportunity to make variable and lump sum repayments, along with the chance to make early repayments without penalty.

Super 3 Year Fixed Loan

Get the peace of mind that comes with knowing what your repayments will be for the next three years with this loan. The Super 3 Year Fixed Loan offers a competitive interest rate, and when the fixed rate period finishes the interest rate reverts to the Super Mortgage variable rate.

Bridging Loan

If you want to finance the purchase of a new home even if you haven’t sold your existing property yet, the Bridging Loan offers the perfect solution. The Bridging Loan is used for short-term funding purposes, so it attracts a higher interest rate. You can then apply for the Super Mortgage Home Loan once you’ve sold your old residence.

About how to compare home loans

How to apply for a Select Encompass Credit Union home loan

  • Online. Complete your application form online. You can save partially completed forms for later retrieval and submission.
  • Branch. If you prefer to talk to a home loan specialist face to face, you can make an appointment to visit a branch near you.
  • Download form. Download and print the application form. You can then fill it out and submit it by mail, fax, or drop it in at a branch.

Documents needed to apply for a Select Encompass Credit Union home loan

Personal information

  • You’ll need to provide the appropriate ID, which will usually require a driver’s license or passport, in addition to supporting documents.

Property information

  • Property value
  • Property location
  • Name of agent or vendor and name of solicitor
  • Deposit size

Financial information

  • Recent payslips
  • Information regarding your current employment
  • Information regarding the assets you currently have, such as cars, properties or shares
  • Information about your debts and liabilities such as credit cards and personal loans
Was this content helpful to you? No  Yes

Related Posts

This page was last modified on 20 October 2016 at 3:46pm.

Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Owner Occupier, P&I)

Special offer for new lending of $150k or more & under 80% LVR, this offer has been extended.

Bank Australia Basic Home Loan - Variable (Owner Occupier)

A competitive variable rate that allows borrowers to borrow a minimum of $100,000 with a $0 ongoing fee.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier)

A fixed rate package loan with flexible repayments options. NAB Rewards Points offer available, terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

Ask a question