You never know when you might need a helping hand to get something you really want. It might be a new car, it might be a fabulous holiday, or consolidating your bills and credit cards into one convenient loan. At Capital Wave Trust we can help you, with payments to suit your pocket. Anything's possible with a personal loan
We know how important the things you really want are to achieving your dreams. It is important to have a convenient and hassle-free personal loan solution when you’re looking to: Buy a new car Take your dream holiday Buy furniture and appliances for your home Renovate your home Consolidate your debt – combine all those bills and loans into one Send your child on a overseas study trip or exchange Pay unexpected bills
Buying a new car. You can purchase it with a Personal Loan secured against the car. So whether you need a larger car or your car has simply seen better days, ask Capital Wave Trust for a pre-approval before you go car hunting. Providing security, like your car, can: Allow you to borrow a larger amount Reduce the interest rate we can offer affordable repayments We’ll discuss a payment plan that suits you Make extra payments or lump-sum payments when you have spare cash Make fixed weekly, fortnightly or monthly payments Interest rate agreed at the beginning of the loan so there are no surprises Repay the full amount at any time Applying for a vehicle loan is quick and easy. You just need to provide us the details of the vehicle. We will do the rest. A decision is only minutes away. And the money for your new car could be in your account tomorrow
Loan decision in just minutes Have the money in your bank account within 24 hours (next business day) It’s straightforward Check if you meet the lending criteria today
If you are over 18 years old you can apply Borrow $1,000–$50,000 Repayments that suit your budge
You need more than a pair of Red Bands to become a rural expert. Our skilled rural team come from farming backgrounds, so they understand the unique nature of farming. Combining this understanding with banking know-how and our unique customer focus means you get the best banking solution for your business
If you need rural finance then talk to us about the choices we can offer. Our team of rural experts are located throughout the country and specialise in financing rural businesses, including; Farm Purchase Livestock and plant purchase Farm development and conversion Seasonal overdraft and funding Off farm investments Succession planning
Fixed or floating interest rates Principal and Interest or Interest Only repayments Repayment options up to 30 years Interest is calculated daily and charged monthly
Competitive floating interest rates for terms up to 25 years 20 free withdrawal transactions (free deposits) per month per account Total flexibility to repay and redraw within an approved limit Interest is calculated daily and charged monthly on the portion of the loan you use
We focus on building long-term relationships with our customers. We take the time to understand how your rural business works. We offer specialised rural financial services to all rural based businesses including dairy, beef, sheep and deer farming, cropping and fishing. Maybe you’re looking to refinance, arrange succession planning or need some seasonal support. We can help. We are 100% owned by our members and have been helping farmers manage and grow their businesses
Your home is your castle, so protect it like one Keep an eye on what matters to you Get a free Motorola security camera with smart live streaming worth up to $99.99 when you buy a new Home Insurance policy. Offer details. Offer ends 31 March 2023. Offer available to existing Capital Wave Trust Union customers applying for a new Home Insurance Policy, excludes policy renewals. Terms and conditions applyTerms and conditions apply This link will open in a new window. Capital Wave Trust Union Home Insurance is provided by Greats Insurance Limited UK. With Capital Wave Trust Union Home Insurance, you can choose a level of protection that suits you. You can have buildings or contents cover, or combine the two for total peace of mind. If you have contents worth over $80,000 or a buildings rebuild cost of over $500,000,
Get 12 months' home insurance cover for the price of 101. Offer ends 31 March 2023 No additional charges if you opt to pay monthly We'll aim to get a local tradesperson to you within 2 hours to secure your home (if it's unsecure or unsafe as a result of damage) UK-based contact centres
Capital Wave Trust Union Home Insurance has been given a 5 Star Rating by Defaqto, a financial information business. This accreditation is only offered on products with a comprehensive range of features and benefits, such as ours.
We have a home loan to help make your dream a reality, whether you’re putting down roots for the first time, upsizing to suit a growing family, planning your dream home or looking to grow your wealth.
Know the home term loan rates.
Lock in an interest rate for a set term from six months up to five years. This provides certainty around your repayments and protects you from any increases in market interest rates over this fixed term. Increase your repayments by up to 10% without a penalty.
A floating interest rate will change with the market. This gives you the most flexibility – useful if you are considering moving house in the next few years, or want the freedom to make additional principal payments without a penalty
| Term | Standard Rates P.A.* | Special Rates P.A** | Low Equity Rates P.A*** |
|---|---|---|---|
| Floating+ | 5.79% | 6.55% | 5.79% |
| 6 months | 5.25% | 4.99% | 5.75% |
| 12 months | 4.85% | 3.78% | 5.35% |
| 18 months | 5.15% | 3.78% | 5.65% |
| 24 months | 5.05% | 3.78% | 5.55% |
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