GETTING STARTED HOME LOAN
The centrepiece of our Getting Started Solution is an attractive first Home Buyers' Home Loan with a "honeymoon" interest rate for the first 12 months.

This home loan is extremely flexible with no charge or penalty for making extra or more frequent repayments to the loan to help you pay it off sooner. Plus, it comes with an inbuilt redraw facility that lets you draw back all or part of any money you pay in advance of normal repayments.

At the end of the honeymoon period, the interest rate reverts to the standard variable rate at the time, however, you can choose instead to negotiate a new fixed rate for your loan, or take out a "split" loan with part of your loan fixed and part variable. You can even choose to take out an interest only loan which helps lower your repayments when you are first starting out. Then you can convert your loan to a “principal+interest” loan after an agreed period, and start paying off the principal. The possibilities are endless!

HOME & CONTENTS INSURANCE
It's important to protect your investment with comprehensive insurance. That's why we include competitively priced home and contents insurance as part of the Getting Started Solution. Members receive a special discount.

WHOLE OF PAYROLL FACILITY
We arrange a convenient payroll facility for Getting Started borrowers so that your wage or salary is deposited directly into your home loan each pay day to help minimise interest. Funds can be withdrawn as needed from the loan account for everyday living expenses or automatically apportioned among other accounts to meet your specific requirements. While these funds are in the loan account they reduce the loan balance and, consequently, the amount of interest that accrues.

VISA DEBIT CARD
An HSUCU VISA Debit Card is included for its versatility. Our VISA can be used to access funds and pay for goods or services in person or over the phone or Internet, to withdraw cash at ATMs or EFTPOS systems or even to obtain a cash advance from financial institutions displaying the VISA symbol. It is recognised world-wide.

If you use your VISA as a Debit Card, it accesses your savings. Alternatively, you can use it as a credit card simply by attaching an overdraft to your account.

BUDGETING HELP
Taking out a home loan is one of the biggest decisions you will ever make and will certainly change the way you manage your finances. Let us show you how to develop a realistic and effective budget, find ways to cut costs and ensure that your loan repayments are manageable and right for your individual circumstances. At the same time, we will conduct a ‘Financial Solutions Health Check’ for you. This will help us to help you by ensuring you have the package you need to suit your current lifestyle.

This service is provided free of charge.

NO TRANSACTION FEES ON OFFSET
Savings Offset Accounts can be linked to a home loan in a way that enables you to reduce the mortgage interest charged. Any savings account balance is subtracted (offset) from the loan balance each month before interest is calculated to reduce the cost. There are no transaction fees on these accounts.

EVERYTHING ELSE YOU NEED
While our Getting Started Solution incorporates most of the financial elements you need in one handy financial package, we recognise that all of our members are individuals and have differing needs and requirements.

Whatever your personal situation or financial circumstance, HSU Members Credit Union provides all of the financial products, services and facilities you are ever likely to need, both now and in the future. Whether you are looking for a competitive home loan and related products, a Christmas Club-style savings account, a car-buying service, travel products or assistance in any other finance related area, you'll find it at HSU Members Credit Union.
 
To find out more, call HSUCU Direct on 1300 304 932 or visit a Service Centre in person.