At a glance
- Fixed
- 8.65%
- Variable
- 8.20%
- Upfront fee
- $600
How it compares
This business loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | This business loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 8.20% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | 33rd lowest of 47 |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 8.20% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | 33rd lowest of 47 |
Rates
Every rate Warwick Credit Union publishes for this business loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | P&I | 2 yrs fixed | - | 8.65% | - | - |
| Variable | P&I | - | - | 8.20% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, P&I | 7.95% | 8.20% | up 0.25 |
| 3 Oct 2026 | Fixed, P&I, 2 yrs fixed | 8.40% | 8.65% | up 0.25 |
Each change is logged the night it appears in the rates Darling Downs Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
17 fees published, grouped by when they're charged.
- When you take it outUp to $60011 fees, each listed below
- While you hold itUp to $152 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out11
- CITEC_CHECK_TITLE_SEARCH
Payable on funding of a new loan
$26.20 - CITEC_TITLE_SEARCH
Payable for each Title Search ordered
$25.63 - ESTABLISHMENT_FEE
Payable on funding of a new loan - price confirmed on application
$600 - IN_HOUSE_SEARCH_FEE
Payable on funding a new loan when requesting a title search
$33 - REGISTRATION_FEES_-_MORTGAGE
Payalbe on registration of a new mortgage
$192 - REGISTRATION_FEES_-_RELEASE
Payable on registration of a Release of Mortgage
$192 - REGISTRATION_FEES_-_TRANSFER
Payable for registration of a transfer for purchase price up to $180,000. If above-price confirmed on application
$192 - SETTLEMENT_AGENT_FEE
Settlement Agent Fee payable on funding loan when settlement attended to
$60 - SETTLEMENT_NOTICE
payable when a settlement notice is lodged
$57 - SOLICITOR_MORTGAGE_FEE
Payable at the time of funding a new loan with new mortgages
$462 - VALUATION_FEE
Payable on funding when a new valuation has been obtained-price confirmed on application depending on location of property
$350
While you hold it2
- LOAN_ARREARS_LETTER_FEE
Charged once a loan has gone into arrears and letters are issue to customers
$12.50 - LOAN_SERVICE_FEE-COMMERCIAL
Payable on Commercial Loans
$15
When you make a transaction3
- MORTGAGE_RELEASE_FEE_-_SOLICITOR
Solicitor Mortgage Release charge
$200 - MORTGAGE_RELEASE_FEE
Mortgage Release fee charged per mortgage on realease by WCU
$150 - VARIATION_FEE
Variation fee when varying a loan charged on funding
$150
When particular things happen1
- BREAK_COST_ADMINISTRATION_FEE
Administration Fee charged on fixed rate loans when economic cost is calculated
$100
Features
Eligibility and limits
- Minimum age 18
- Residency: INDIVIDUALS MUST BE CITIZENS OR PERMANENT RESIDENTS OF AUSTRALIA
- CUSTOMER OF THE CREDIT UNION
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Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 2 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.