* Lending criteria apply. Fees, charges, terms and conditions apply. Stamp duty and government charges may apply. Offer effective from 8 August 2016. Any legal and valuation fees will be charged at cost. Once the fixed period ends, the loan will revert to a discounted variable rate. Rate is subject to change. The interest rate is based on the amount at funding. # Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. Warning: This comparison rate 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. The above products are provided by First Option Credit Union Limited ABN 95 087 650 735 AFSL/Australian Credit Licence No. 236 509. This is general advice only and does not take into account your individual objectives, financial situations or needs. Before acting on the advice, consider its appropriateness. You should read and consider the Account and Access Facility – Conditions of Use document and Financial Services Guide before deciding whether to acquire any product mentioned.