CENTRAL WEST CREDIT UNION LTD
Smart Fixed Rate Home Loan 2 year
for those members who want certainty of repayments
Home loansBank updated 28 July 2026
At a glance
- Variable (owner occ. P&I)
- 7.15%
- Fixed
- 2 yrs 6.39%
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedSecured by Mortgage over Residential Property | Owner occupied · P&I | 2 yrs fixed | — | 6.39% | 7.11% | — |
| Variable | Owner occupied · P&I | — | — | 7.15% | — | — |
§ 02 — Fees · 3
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| MORTGAGE_DISCHARGE_FEE | Exit | $536 | — | Discharge fees are paid on discharge |
| BREAK_COST_FEE | Transaction | No fee | — | Fee may apply if part or all of the loan is repaid early |
| SMART_HOME_LOAN_ESTABLISHMENT_FEE | Upfront | $822 | — | Establishment fees paid on funding (Includes Mortgage Registration Fee) |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · At the end of the fixed rate period the loan can either be refixed or it transfers to the Mortgage Smart Home Loan variable rate
- · split loan allowed
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residency Only
- · Maximum LVR 80%
- · Minimum balance $75,000
- · Maximum LVR 95% subject to Lenders Mortgage Insurance approval
- · For Owner Occupied purposes only
§ 05 — Compare
§ 06 — Run the numbers
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Published by Central West CUL under the Consumer Data Right, last changed by them on 28 July 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.