HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%

Home loansBank updated 30 Sept 2026

At a glance

Variable (owner occ. P&I): 6.49%6.55% comparison
Max LVR: 80%
Features: offset, redraw, extra repayments

How it compares

This home 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.

Typical 6.38%

6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 6.49%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	6.49%	5.93%SCCU's BROKER HOME LOAN	6.38%of 104 institutions	66th lowest of 104, level with 2 others

Rates

The one rate Central Murray Credit Union Limited publishes for this home loan.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
VariableComparison Rate calculated on a secured loan of $150,000 over 25 years. A comparison rate schedule is available at all branches. WARNING: This comparison rate applies only to the example given; diffe…	Owner occupied, P&I	-	-	6.49%	6.55%	-

Rate changes

One change logged, newest first.

Date	Rate	Was	Now	Change
1 Oct 2026	Variable, Owner occupied, P&I	6.24%	6.49%	up 0.25

Each change is logged the night it appears in the rates Central Murray Bank publishes. See how every lender answered the RBA on the rate tracker.

Features

Offset accountRedrawExtra repayments

Eligibility and limits

Minimum age 18
Maximum LVR 80%
Minimum balance $500

Compare it with others

All home loans Other Central Murray Bank home loans Everything Central Murray Bank publishes

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Published by Central Murray Bank under the Consumer Data Right, last changed by them on 30 Sept 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.