All FAQs | Horizon Bank

What are you looking for?

Loans
- Owner Occupied Loan
  Popular Home Loans
  View our current range of Home Loan products
  
  Home Loan Comparison Table
  Compare our home loans to find the right home loan to suit you
  
  Value Plus Home Loan
  Get more value out of a home loan with flexible features
  
  Family Equity Loan
  Family guarantor Facility
  
  Mortgage Breaker Home Loan
  Features a 100% offset account to help reduce your loan interest over time
  
  Basic Home Loan
  A straight forward home loan with a competitive rate and flexible features you'll actually use
  
  Fixed Rate Home Loan
  Get the peace of mind that comes from knowing that your rate and payment remain the same for a fixed period of time
  
  Handyloan Secured Line of Credit
  Use the equity in your home for a secured line of credit
  
  Home Sweet Home Loan
  Find your home sweet home with our competitive variable rate
- Investment Loans
  Popular Investment Loans
  View our current range of Investment Loan products
  
  Value Plus Residential Investment Loan
  Get more value out of an investment loan with flexible features
  
  Basic Residential Investment Loan
  A straight forward investment loan with a competitive rate and flexible features you'll actually use
  
  Mortgage Breaker Residential Investment Loan
  Features a 100% offset account to help reduce your loan interest over time
  
  Fixed Rate Residential Investment Loan
  Get the peace of mind that comes from knowing that your rate and payment remain the same for a fixed period of time
  
  Home Sweet Home Loan Residential Investment
  Find your ideal investment property with our competitive variable rate
- Car Loans
  Popular Car Loans
  View our current range of car loans
  
  New Car Loan
  A competitive low fixed rate for a new car purchase
  
  Used Car Loan
  A competitive variable rate loan for used cars
- Personal Loans
  Popular Personal Loans
  View our current range of Personal Loan products
  
  Budget Personal Loan
  A variable rate personal loan perfect for a holiday, debt consolidation or any other purpose
  
  Environmental Loan
  A loan for environmental purposes
  
  Secured Personal Loans
  Secured personal loans for any worthwhile purpose
- Credit Facilities
  Visa Credit Card
  Low rate. No annual card fees
  
  Budget Overdraft
  Convenient access to extra funds
Savings
- Everyday Accounts
  Popular Everyday Accounts
  View our current range of Everyday Accounts
  
  Redisavings
  Everyday savings account
  
  Advantage 55
  An everyday account for 55 years and over
  
  Advantage
  An everyday account with a transaction fee deal
  
  Community Support Account
  Deposit account for non-profit organisations
  
  Business Savings
  Everyday account for business members
- Savings Accounts
  Popular Savings Accounts
  View our current range of Savings Accounts
  
  Cash Management
  Ideal for large sums you do not wish to lock away
  
  Christmas Club
  Designed to help you save for Christmas
  
  Reward Saver
  An at call savings account with competitive interest
  
  Self Managed Super Fund Saver
  Everyday account for registered self-managed super funds
  
  Special Purpose Savings
  A savings account designed to help you budget
- Youth Accounts
  Popular Youth Accounts
  View our current range of Youth Accounts
  
  Super Saver
  An everyday account for children aged 0-12 years
  
  Teen Saver
  An everyday account for youths aged 13-17 years
  
  Youth Reward Saver
  High interest savings account for youths aged 13-17 years
- Term Deposits
  Term Deposits
  Competitive rates so you get the most out of your money
Access
- Everyday Banking
  Banking with us
  There are a number of different ways to bank and access your money at Horizon
  
  Card Security
  Keep your cards safe and secure
  
  Visa Cards
  Apply in branch or online for a Horizon Bank Visa card for quick and easy access to funds.
- Mobile Payments
  Apple Pay
  
  Google Pay
  
  Samsung Pay
- SMS One Time Password
- Osko® and PayID
Insurance
More
- Business Banking
- Blog
- Travel
  Foreign cash
  Prepare for your holiday ... get your foreign cash at Horizon
  
  International Money Transfer
  Foreign transfer to and from Australia
  
  Travel Insurance
  Protect yourself while you're away from home
  
  Pre-travel checklist
  Check out our top 5 to do's before you travel
- FAQ's
  All FAQ
  
  Home Loan FAQs
  
  Investment Loan FAQs
  
  Car Loan FAQs
  
  Personal Loan FAQs
  
  Overdraft FAQs
  
  Savings Accounts FAQs
  
  Visa Card FAQs
  
  Osko® & PayID FAQs
  
  Online Security FAQs
  
  Online Banking FAQs
  
  Loan glossary of terms
  
  Samsung Pay FAQs
  
  Apple Pay FAQs
  
  Google Pay FAQs
  
  Visa Credit Card FAQs
  
  Visa 3D Secure FAQs
- Important Info
  Loan pre-approval
  Learn how to pre-qualify for a home or investment loan
  
  Personal loan pre-approval
  Learn how to pre-qualify for a personal loan
  
  Disclosure Documents
  View our Financial Services Guide, Product Disclosure Statement, Banking Access Facilities Terms & Conditions of Use and more
  
  Financial Claims Scheme
  
  Financial Hardship
  
  Resolving Problems
  
  Fees and Charges
  
  Open Banking
  
  Target Market Determinations
- Calculators
  Borrowing Power Calculator
  Estimate how much you could borrow
  
  Budget Planner Calculator
  Input your current income and expenses to identify opportunities for saving.
  
  Car Loan Calculator
  Try our easy to use car loan repayments calculator.
  
  Extra Repayment Calculator
  Save time and money with extra repayments
  
  Income Tax Calculator
  Calculate your income tax
  
  Loan Calculator
  Work out your loan repayments, and see how much interest you'll be paying
  
  Loan Comparison Calculator
  Compare the loans of your choice
  
  Lump Sum Calculator
  Calculate the effect of a lump sum repayment
  
  Personal Loan Calculator
  Estimate repayments on a personal loan
  
  Savings Plan Calculator
  Create a plan to you reach your financial goals
  
  Stamp Duty Calculator
  Estimate your new home stamp duty expense
  
  Term Deposit Calculator
  See the growing potential of your savings
- About Us
  History
  
  Corporate Information
  
  Our Values
  
  Branch Locations
  
  Customer Owned Banking Code Of Practice
- Local Branches
  Thirroul Branch
  
  Wollongong Branch
  
  Albion Park Branch
  
  Nowra Branch
  
  Ulladulla Branch
  
  Moruya Branch
  
  Bermagui Branch
  
  Bega Branch
  
  Merimbula Branch
  
  Mobile Lender
Interest Rates
News

Home Loan FAQs

Investment Loan FAQs

Car Loan FAQs

Personal Loan FAQs

Overdraft FAQs

Savings FAQs

Visa Card FAQ's

OSKO & PayID FAQ's

Online Security FAQ's

Online Banking FAQs

Loans glossary of terms

Samsung Pay FAQs

Apple Pay FAQs

Google Pay FAQs

Visa Credit Card FAQs

Visa 3D Secure FAQs

Why choose us?

Our purpose is to provide personalised banking services to our members. Our Values are ...

It's all about you

Our members are our reason for being, everything we do, we do for them.

A trusted partner

We will earn our members' trust everyday by acting honestly, ethically and in their best interests.

People for people

In a world of technological innovation, we understand the value of people.

Committed custodian

We will embrace our responsibilities by developing our staff, supporting our communities and respecting the environment.

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Head Office 27 Stewart Street Wollongong NSW 2500
General Enquiries 1300 366 565
Horizon Credit Union Ltd ABN 66 087 650 173 AFSL and Australian Credit Licence Number 240573 trading as Horizon Bank