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Transport Mutual Credit Union

Transport Mutual Credit Union home loans

Transport Mutual Credit Union, formerly the RTA Staff Credit Union, is a member-owned credit union formed in 1964. It was renamed as the Transport Mutual Credit Union in 2012.

It is based in Sydney and provides financial products and services including home and personal loans, savings accounts and term deposits, superannuation and insurance. It also offers financial services ranging from investment and general advice to financial planning services.

Transport Mutual Credit Union Home Loan Calculator
Interested in an Transport Mutual Credit Union home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Transport Mutual Credit Union compares to its competitors. Simply plug in your borrowing amount below.

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Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

21 Nov, 2024

Why choose Transport Mutual Credit Union

Benefits

Flexible repayment features.
Suitable for small deposits.
Specialised loans available.

Drawbacks

Limited fixed-rate options.
High standard rates.
No branch access outside Sydney.

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

Transport Mutual Credit Union customer service

Customers at Transport Mutual can contact the credit union via a general customer service phone line, by via email or online via their website. There is also the option of visiting a Transport Mutual staff member in person at their Sydney branch.

Customer service centre (phone)
Online banking
Email
Branch

How to Apply

Potential home loan customers at Transport Mutual Credit Union can apply via an online application form available at the Transport Mutual website. Customers can also visit a consultant at their Sydney branch or apply via phone. There is also an online enquiry form for those wanting information on Transport Mutual loan products. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

Personal identification documents.
Proof of income and employment type.
Proof of other income, assets savings.
Details of current debts, loans and liabilities.
Personal insurance documents.

For refinancers, you will also have to provide home loan statements for the past six months and a current payout quote for the loan you want to refinance.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Home & Personal Finances Editor, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

Transport Mutual Credit Union home loans

Why choose Transport Mutual Credit Union

Benefits

Drawbacks

Transport Mutual Credit Union Home Loans