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Simple. Safe. Sorted.


  • $0


    Keep your money in your pocket! We’ll waive the usual application & valuation fees (save min. $550)!1
  • 10%


    Buy sooner with only 10% deposit.5 Still saving? We’ll also accept parent guarantees to help secure the loan.6
  • 24hr


    Know where you stand fast! You could have your borrowing power & loan approval sorted in 24 hrs.2
  • 100%


    Reduce the interest you pay every day by putting your salary or savings into an offset account.


About Us


We’re based near the beautiful beaches of Newcastle & the vineyards of the Lower Hunter Valley but we help 1st home buyers like you all from all over Australia.

As a 1st home buyer you’ll receive VIP service, not just an online deal. That includes a dedicated lending manager available 5 days a week & even some Saturday mornings to support & guide you as you take this huge step towards becoming a home owner.

It’s more than just lending. It’s full service banking, done the way it should be.

hunter united awards

Important Info You should Know


Download your guide to Industry Jargon for 1st Home Buyers here.

This loan is for first home buyers only.

More information about this home loan product, including fees & features can be found here.

1. Offer of $0 application fee and $0 valuation fee is available only for a limited time. Offer is not available for existing Hunter United home loans. Hunter United reserves the right to withdraw offer at any time. Other fees and charges apply.

2. Loan approval can usually be provided within 1 business day from the time all required documentation is received. Provision of documentation does not automatically qualify you for loan approval.

3. Product is the No Regrets 1st Home Buyers Loan and is only available for new 1st home buyer, owner occupied loans that meet the eligibility criteria.

4. The advertised comparison rate is for owner occupied properties over $250,000, is calculated on a secured loan of $150,000 for a term of 25 years and includes offer of $0 application and $0 valuation fees. The comparison rate is 2.92% if the application and valuation fees are not waived. WARNING: This comparison is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

5. Minimum 10% deposit (90% LVR) is required. If loan is above 80% LVR lenders mortgage insurance will be payable.

6. You must be able to show you can service the loan repayments yourself. Guarantors can only be used to provide extra security over the loan in circumstances such as inconsistent savings or short work history. Guarantors have a legal obligation to repay the loan should the borrower default. A guarantor’s capacity to repay the loan will be assessed.

7. Finance is subject to Hunter United’s normal credit approval process. You can be approved-in-principle if your loan application meets our credit approval criteria. This is a conditional approval and does not provide a loan commitment. Further checks are required to receive unconditional approval.

8. Depending on your circumstances, additional information & documentation may also be required. Self employed applications will be considered & may require different documentation to that described.

9. Approval is valid for up to 120 days, at which time, more up-to-date documentation will be required to renew the approval.

To qualify as a 1st home buyer, you must be purchasing the first home you or your spouse have owned or co-owned in Australia, although there are some exceptions. You must also move into the property within 12 months, and live there for at least 6 continuous months. For more information visit: http://www.firsthome.gov.au/

Finance is subject to Hunter United’s normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges apply. This information does not take your personal objectives, circumstances or needs into account, please consider whether it is appropriate for you. Information correct at 27 March 2020

Credit provider is Hunter United Employees’ Credit Union Ltd ABN 68 087 650 182. AFSL/Australian Credit Licence No: 238316.