Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

SERVICE ONE Alliance Bank is made up of a unique blend of organisations and identities serving the needs of members in the ACT and surrounding NSW region. It was founded as a community credit union and, through the years, has gone through a number of developments and changes to get to where it is today.

From its humble beginnings, it is now part of Australia’s first social enterprise banking network.

As a 100% customer-owned mutual and social enterprise, SERVICE ONE Alliance Bank exists for the sole purpose of enhancing the lives of its members and those in the broader community. The bank does this by: (1) providing members with access to competitive financial, banking and community solutions that add value to their lives, and (2) investing its capital to generate a positive social or environmental impact alongside a financial return.

SERVICE ONE Alliance Bank has the following branches: Batemans Bay, Belconnen, Bemboka, Canberra City, Cooma, Deakin, Gungahlin, Queanbeyan, Tuggeranong, Tumut, and Woden. The bank offers internet and telephone banking 24/7 and its call centre is open seven days a week. Also, the bank is an agent of Bendigo and Adelaide Bank (and its deposits and loans are actually deposits and loans of Bendigo Bank), so your financial products have the backing of a full-service bank.

SERVICE ONE Alliance Bank offers financial products and services including a full range of home loans and personal loans, banking accounts, Visa cards, as well as investment and insurance products.

With a SERVICE ONE home loan, you will be getting a great interest rate and the flexibility to structure your loan so that it suits you. There are loan options for the purchase of owner occupied and of investment properties. It is also easy to refinance an existing home loan you have with another lender to a SERVICE ONE home loan.

To apply for a home loan with SERVICE ONE, you must become a member first. Anyone can become a member but, first, you need to purchase a member share. Adults and juniors (those under 18 years of age) can apply. Meanwhile, here are the documents you will need to apply for a home loan:

  • Personal identification material
  • Proof of income – whether you are self-employed or you work for an employer
  • Proof of other income – including rental income
  • Information regarding your current debts, liabilities and assets