CENTRAL WEST CREDIT UNION LTD
Smart Home Loan
Whether you're a first homebuyer, or looking to expand along with your family, our friendly team will work with you to find the loan that best supports your goals.
Home loansBank updated 28 May 2026
At a glance
- Variable (owner occ. P&I)
- 7.15% · 7.21% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableSecured by mortgage over Residential Property (Owner Occupied only) | Owner occupied · P&I | — | — | 7.15% | 7.21% | — |
§ 02 — Fees · 2
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| MORTGAGE_DISCHARGE_FEE | Exit | $536 | — | Discharge fees are paid on discharge |
| SMART_HOME_LOAN_ESTABLISHMENT_FEE | Upfront | $822 | — | Establishment fees paid on funding (Includes Mortgage Registration Fee) |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · Maximum term 30 years
- · Split Loan allowed
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Resident only
- · Maximum LVR 80%
- · Minimum balance $10,000
- · Maximum LVR 95% subject to Lenders Mortgage Insurance approval
- · Owner Occupied 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 May 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.