Central West Credit Union LtdSmart Fixed Rate Home Loan 2 year
for those members who want certainty of repayments
At a glance
- Variable (owner occ. P&I)
- 7.15%
- Fixed
- 2 yrs 6.59%
- Max LVR
- 80%
- Features
- 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 | 7.15% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 95th lowest of 104 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 36th lowest of 84, level with 6 others |
Rates
Every rate Central West Credit Union Ltd publishes for this home loan, 2 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%7.15%
- 2 yrs fixedtypical 6.62%6.59%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedSecured by Mortgage over Residential Property | Owner occupied, P&I | 2 yrs fixed | - | 6.59% | 7.14% | - |
| Variable | Owner occupied, P&I | - | - | 7.15% | - | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.39% | 6.59% | up 0.20 |
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
3 fees published, grouped by when they're charged.
- When you take it out$822SMART_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
- SMART_HOME_LOAN_ESTABLISHMENT_FEE
Establishment fees paid on funding (Includes Mortgage Registration Fee)
$822
When you make a transaction1
- BREAK_COST_FEE
Fee may apply if part or all of the loan is repaid early
No fee
When you close it or pay it off1
- MORTGAGE_DISCHARGE_FEE
Discharge fees are paid on discharge
$536
Features
- 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
Eligibility and 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
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 7 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.