Central West Credit Union LtdPremium Smart Home Loan
Perfect for borrowers with equity in their home
At a glance
- Variable (owner occ. P&I)
- 6.34%6.40% 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.34% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 39th lowest of 104, level with 10 others |
Rates
The one rate Central West Credit Union Ltd publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableSecured by mortgage over Residential Property | Owner occupied, P&I | - | - | 6.34% | 6.40% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 30 Oct 2026 | Variable, Owner occupied, P&I | 6.19% | 6.34% | up 0.15 |
Each change is logged the night it appears in the rates Central West CUL publishes. See how every lender answered the RBA on the rate tracker.
Fees
2 fees published, grouped by when they're charged.
- When you take it out$497PREMIUM_SMART_HOME_LOAN_ESTABLISHMENT_FEE
- While you hold itNo fee published
- When you close it or pay it off$536MORTGAGE_DISCHARGE_FEE
When you take it out1
- PREMIUM_SMART_HOME_LOAN_ESTABLISHMENT_FEE
Establishment Fee Paid on Funding (includes Mortgage Registration Fee)
$497
When you close it or pay it off1
- MORTGAGE_DISCHARGE_FEE
Discharge fees are paid on discharge
$536
Features
- Maximum term 30 years
- Split Loan allowed
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident only
- Maximum LVR 80%
- Minimum balance $150,000
- Maximum LVR 95% subject to Lenders Mortgage Insurance approval
Compare it with others
Put this product through a calculator
Published by Central West CUL under the Consumer Data Right, last changed by them on 29 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.