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Commercial & Rural

Business loans to help you purchase, start or grow you business.

Commercial & Rural

Commercial Loans

Whether you’re looking to purchase, start or grow a business it makes good sense to look to WAW if you need a commercial loan. We will work with you to package the most suitable and cost-effective financial solution to fund your requirements.

Importantly, by borrowing through WAW you have access to our Customer Benefit Program whereby you can reduce or eliminate entirely your daily transaction fees and charges.

Rural and Agricultural Loan

WAW has been supporting rural producers for over 50 years with a variety of products and services that address their unique requirements. If you require a loan, overdraft or equipment financing, WAW Credit Union can assist.

  • 24 hour conditional approval*
  • No monthly, quarterly or annual loan service fees.
  • No early payout penalties.
  • No restrictions on making extra repayments.
  • Borrow up to 60% of valuation on commercial properties and 80% on residential properties*
  • VISA card facilities available.
  • Overdraft facilities available.

*Terms and conditions apply. Subject to receipt of documentation.


Business / Rural – residentially secured

From 5.29%


Download our current Loan Interest Rate and Fees Schedule here

Application Fee   $600.00
Increase fee   $300.00
Guarantees Facility application fee $400.00
  Each guarantee $100.00
  Half yearly service fee - 0.50% of facility limit Min. $50.00
Redraw Facility Fee (per redraw)      $20.00
Product / Rate Switching   $600.00
Substitution of Property Mortgage   $300.00
Bill of Sale / Goods
Mortgage - Registration / Variation
  At Cost
Mortgage Insurance   At Cost
Legal Fees, Valuations, Surveys, Settlement Fees   At Cost
Bundled Home Loan Default Fee   $200.00
Titles & Related Fees Discharge of Mortgage Costs + $400.00
  Production or Consideration Fee Costs + $50.00
  Photocopy $5.00
  Title or Final Notice At Cost
Overdraft Annual Facility Fees Personal $25.00


Download our Transaction Fees and Charges Schedule here

How To Apply

If you are interested in applying for this loan please click on the link below to fill out our online enquiry form with your name, contact details and the product you are interested in. One of our dedicated loans staff will contact you to further the application process.

Alternatively, you can contact us on 1300 368 555 and ask to speak to one of our home loan specialists..

Enquire Now