Looking for a great loan product?  Dnister has you covered.

Whether you’re buying your first home, upgrading, looking  for an investment property or need a personal loan for any worthwhile purpose, Dnister has a range of loan products with competitive interest rates and flexible features.

Our Member Lending Team will work with you to make your dream a reality.

Refinance

Unlock competitive interest rates and flexible terms by refinancing your existing loan to Dnister! Whether you’re reducing monthly repayments or tapping into home equity, refinancing can help you save money and achieve your financial goals. Our team is here to guide you seamlessly through every step of the process. Take the time to find out more >

Home Loan

Make your dream home a reality with the right home loan! Our competitive interest rates, flexible terms and expert guidance ensure  you get the best deal tailored to your needs. Whether buying your first home or upgrading, we’re  committed to helping you secure the right home loan that fits your needs. Contact our Member Lending Team today >

Investment Loans

Expand your property investment portfolio with confidence. Whether you’re looking to purchase property or refinance an existing loan, we offer competitive interest rates & personalised solutions supporting your financial goals. Let us help achieve your financial goals for your long-term wealth. We are here to help! Give us a call today!>

Personal Lending

When life calls for extra funds, personal loans offer the flexibility you need. Whether it’s for a major purchase, debt consolidation, unexpected expenses, or a special occasion, we provide fast, straightforward personal loan solutions tailored to suit your individual needs. Enjoy competitive rates and flexible terms. Apply today for quick approval!

 

DNISTER NEWCOMERS  WELCOME PACKAGE

We speak your language and are here to assist you settle into Australia. Let our Dnister team help you get started!

The Newcomers Welcome Package allows recent migrants to Australia (up to 5 years since arrival in Australia) professional, business and other work related permanent or long-term visa holders generally from Ukraine or Latvia – to obtain a loan to purchase their first car, their first house or any other reasonable personal, domestic or household purpose.

PERSONAL LOAN OPTIONS

Is it time to upgrade your car, need a holiday, or renovate? Dnister has special secured and unsecured personal loans for any worthwhile purpose.

Getting started is quick and straightforward, with the Dnister Member Lending Team ready to assist you throughout the process. You can apply online at your convenience or if you'd like to discuss your options with one of our lending experts, give us a call at 1300 363 041 or head to our contact page for more details.

Our Experienced Member Lending Team

We have been servicing the banking needs of the Ukrainian and Latvian Communities in Australia for over 65 years. Our experienced Member Lending Team across all states in Australia are here to help you along with your lending journey.

Speak to Ivanna, Dom, Sasha, Martin, Hanna or a member of our team today!

We speak your language!

Compare some of our great home loan products specially designed for you!

Simple Home Loan Plus

A simple product with a super low two year introductory variable rate. An annual fee applies. Repayments can be made weekly, fortnightly or monthly. Variable or fixed options are available.

Looking for a great introductory rate?

Simple Home Loan Plus Variable Rate Owner Occupier Rate Comparison Rate^
2 Years Introductory Loans over $200,000 5.79% p.a. 6.59% p.a.

 

^ The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.

A simple product with a super low two year introductory variable rate. An annual fee applies. Repayments can be made weekly, fortnightly or monthly. Fixed or variable options are available. Find out more>

Premier Home Loan

Finance for owner occupied and investment housing properties. An offset facility allows access to your own funds at your convenience. A redraw facility is available that lets you redraw any surplus amount of $250 or more you have contributed to repayment of the loan. Repayments can be made weekly, fortnightly or monthly. Offers either a variable rate or fixed rate up to five (5) years.

Need a fully featured Owner Occupied Loan?

Premier Home Loan Variable Rate Owner Occupier Rate Comparison Rate^
2 Years Introductory Loans over $200,000 6.30% p.a. 6.35% p.a.

 

^ The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.

Dnister has flexible options for those members who are also looking for investment options or fixed rates. Find out more>

Premier Personal Loan

Secured personal loan for any approved purpose for amounts from $1,000 to $50,000. A free redraw facility is available that lets you redraw any surplus amount you have contributed to repayment of the loan in excess of $250. Repayments can be made weekly, fortnightly or monthly.

Secured Personal Loan Rate p.a. Comparison Rate^
Secured by Goods or Real Estate 8.02% 8.70% p.a.

 

^ The comparison rate is calculated on the basis of a secured loan of $10,000 over a term of 3 years. Unsecured Personal loans are also available. See some more lending products>

Our personal loan options provide our members with either a secured or unsecured for any worthwhile purpose.  Special newcomers package terms are also available to those members who have recently arrived in Australia.  We are here to take you through your lifestyle goals and help you through your lending experience.

 

Take Your Banking experience to the next level.

Dnister is proud of its heritage and its status as the largest ethnic-based credit co-operative in Australia. Join the Dnister family!

Dnister is a true community success story. We began in 1951 as a self-help lending group under the name of Self Reliance and our goal was to provide financial help to newly arrived Ukrainian migrants.

Over time, the banking industry regulations evolved and resulted in the establishment of Dnister as a Member-owned Credit Society in 1959.

It was from these humble beginnings that the current day financial institution emerged. We now have a Membership of over 8,600 and total assets over $244m. We are an Authorised Deposit-taking Institution (ADI) regulated by the Australian Prudential Regulation Authority (APRA). We are Australian owned and operated – independent, secular and non-political.

"I don’t speak English well, but Dnister went out of their way to find someone who spoke my language and helped me with my account. I’ve never felt so supported. I also love how Dnister supports our community, its so special to have a Ukrainian / Latvian Bank.
Tatiana Moravski, Just a happy Member
"Coming from a war-torn country, I never imagined we’d have the opportunity to own a home. Dnister’s team made it happen with their patience, guidance, and kindness. I am truly grateful for their support throughout the entire process."
Taras Shevchenko, Recent arrival to Australia from War torn Ukraine
"As newcomers to Australia, navigating the loan process was daunting, but Dnister made it so much easier. Their team was understanding, supportive, and guided us every step of the way. I can't thank them enough for making our dream of owning a home come true."
Lesya Ukrainka, Newcomer to Australia, learning the language
Dnister has been a key partner for our investment lending needs. Their team understood our goals and provided tailored solutions that helped our business grow. Professional, reliable, and supportive—highly recommended!
Mykola Bulba, Been a member for 23 years, Business Owner

Join our community banking experience and satisfied members!

CONTACT US TODAY!

Frequently asked questions

Most of our home loans allow you to borrow up to 95% of the value of your property but you may have to pay Lenders Mortgage Insurance if your loan amount is more than 80% of the value of your property.

To get a better idea of how much you can borrow you may need to complete your application for pre-approval."

Usually, 20% of the full value of the house is a good amount to aim for as a deposit. You can still get a loan if you have a smaller deposit, but you may need to take out Lenders Mortgage Insurance (LMI) which adds an additional cost to your loan.

Purposes can include a new purchase for an owner occupier or investment property, refinancing an existing home loan, debt consolidation, cash out for things like a deposit towards a new purchase or maybe non-structural renovations, can also include construction of a new residential dwelling.

A serviceability assessment is the stage of the home loan process when the borrower is assessed on their ability to pay back their loan. The assessment takes place during the application for the loan and looks at their income, expenses and other factors.

Fixed Rate Home Loans have an interest rate that is fixed for a period of time, usually 1-5 years and at the end of the term the loan will usually switch to a variable rate.

Variable Rate Home Loans have an interest rate that will move up or down to market conditions and impacts the amount of interest you pay and your contracted monthly repayments.

A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers. 

An offset account is a transaction account linked to an eligible home or investment loan. The benefit of an offset account is that the money you have in this account can be used to “offset” the amount you owe on your home loan, and you'll only be charged interest on the difference.

A redraw facility allows you to deposit extra money into your home loan account. This counts against your home loan balance, reducing your interest payments. If you need this money down the road, you're then able to withdraw these funds.

Yes, you can make extra payments on a loan without any penalties.

Assesses what a property is worth based on everything from condition to location to amenities. It's completed by a valuer who will inspect the property, take notes, photograph building details and layout, and complete a valuation report.

Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the lender-assessed value of the property. Most lenders consider a LVR of 80% or more as being risky. If the LVR is higher than 80%, you may need to pay for Lenders Mortgage Insurance.

Is insurance that a lender takes out to insure itself against the risk of not recovering the outstanding loan balance if you, the borrower, are unable to meet your loan payments and the property is sold for less than the outstanding loan balance.

If you are experiencing hardship due to injury/ illness, changes in income, separation or events like natural disasters, Dnister has financial assistance solutions.

Please follow the link Hardship - Dnister Ukrainian Credit Co-operative.

Eligibility Criteria

At Dnister Ukrainian Credit Co-operative, we’re committed to helping you achieve your financial goals with our lending solutions. Whether you're looking to buy a car, property, or fund a major life event, our competitive rates and personalised service ensure you get the right loan for your needs.

Explore our range of loan options. Apply today or speak with our Member services team to find out more information.

 Eligibility Criteria

  • You’re 18 years or older
  • You’re an Australian Citizen, or a permanent resident of Australia, or are eligible under the Dnister Newcomers Welcome Package

  • Employed and/or have a regular income source

     

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 What will I need?

  • Your Name and contact details
  • Address and Employment details
  • Your income, expenses and liabilities
  • Details of the property/vehicle
  • 10 - 15 minutes of your time
    • Download a full list here>