Central West Credit Union LtdSmart 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.
At a glance
- Variable (owner occ. P&I)
- 7.15%7.21% 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 | 7.15% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 95th lowest of 104 |
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 only) | Owner occupied, P&I | - | - | 7.15% | 7.21% | - |
Fees
2 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 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 $10,000
- Maximum LVR 95% subject to Lenders Mortgage Insurance approval
- Owner Occupied only
Compare it with others
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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.