Home Loans

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Home Buyers Blueprint

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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.

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.

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.

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.

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.

Home Loan Calculator & Fact Sheet

Terms and conditions, fees and charges

All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

* Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

For Fixed Rate Home Loans the comparison rate assumes a variable rate with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.

This offer applies to a 4 year fixed rate loan for owner occupied principal and interest loans.