CENTRAL WEST CREDIT UNION LTD
Smart Fixed Rate Investment Home Loan 2 Years
For those members who want certainty of repayments
Home loansBank updated 18 Aug 2026
At a glance
- Variable (investor P&I)
- 7.46%
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedSecured by mortgage over Residential Property | Investment · P&I | 2 yrs fixed | — | 6.49% | 7.32% | — |
| Variable | Investment · P&I | — | — | 7.46% | — | — |
§ 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 end of fixed rate period, loan can either be refixed or it converts to the Mortgage Smart Investment Home Loan variable rate
- · Split loans allowed
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Resident Only
- · Maximum LVR 80%
- · Minimum balance $75,000
- · Maximum LVR of 85% subject to Lenders Mortgage Insurance approval
- · For Investment 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 18 Aug 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.