Home Loans

CIRCLE has a complete range of home loans to suit your needs.

• Owner occupied principal and interest loans
• Owner occupied interest only loans (suitable for construction)
• Investment principal and interest and interest only loans
• Fixed interest loans from 1 – 5 years
• 100% offset (fixed and variable rate loans)
• Redraw facility (fixed and variable rate loans)

CIRCLE’s fast and easy online application together with 24 hour pre approval puts the stress of borrowing behind you. Our personal loan consultant is with you all the way from application stage right through to loan settlement. No need to deal with call centres or multiple people.

• Loan Calculators

  Start budgeting

• Interest Rates

  Find all our current rates in one place

  Learn more

• Home Buying Checklist

  Free download

Comparison rates

While an advertised rate might seem like you’re getting a good deal, in truth, you should compare the comparison rate to make sure you receive the best deal. A comparison rate compares the true cost of home loans. It includes the lender’s fees and charges.

When comparing loans, ensure that you consider all fees and charges that come both at the start and throughout the life of the loan. If you have any questions about comparison rates, get in touch with the team at CIRCLE Alliance Bank.

• Standard Variable Home Loan

  Responsible lending that works for you

  • Redraw facility
  • Internet banking
  • 95% borrowing capacity
  • 5 - 30 year term
  • No monthly fees
  • Construction payments

• Fixed Interest Home Loan

  Responsible lending that works for you

  • Fixed interest rate
  • Redraw facility
  • Internet banking
  • 95% borrowing capacity
  • No monthly fees
  • Interest only option

Low rate, personal home loans

Home loans from CIRCLE Alliance Bank

Are you in the market for an equitable low rate home loan? You aren’t alone. At CIRCLE Alliance Bank, we offer fair and sustainable home loans to our community of members. 

Whether you are a first homebuyer, or are looking to refinance your current home loan, CIRCLE Alliance Bank has an equitable solution for you.

How to get started

Talking to the big banks for a cheap home loan is a daunting prospect. Thankfully, getting started on an equitable home loan with CIRCLE Alliance Bank is easy. From application to approval, you’ll only deal with one person from our bank.

• 1. Investigate the options
  Take a look at our products and decide what’s best for you.
• 2. Use our loan calculator
  Calculate your monthly and total repayments below.
• 3. Apply now online
  Fill out our online application form for 24-hour approval.
• 4. Talk to someone
  If you prefer, you can schedule a callback from one of our staff or book an appointment online.

Why choose CIRCLE for personal home loans?

First of all, we aren’t like the big banks. Not one bit. We strive to find home loan solutions that suit you, not our bottom line. Our profits go back to our members and communities.

• Plenty of options
  You can choose from principal and interest or interest only loans with variable or fixed interest rates. You can even choose a mix of options if that suits you.
• Do-Good Banking
  We are an ethical banking alternative that gives back to community organisations.
• Fast response times
  We’ll never leave you in the lurch. We make decisions in-house and get back to you in 24 hours.
• Member-owned and operated
  We support our members, not shareholders. Our profits go back into the community.

Home loans and Do-Good Banking

All Circle home loans are part of the Do Good Banking program and attract a community reward based on the loan balance. This means your choice of bank has a direct, positive impact on your community.

We want to impact social change in our local communities and the more you support CIRCLE, the more support we can give our local communities.