At a glance
- Variable (owner occ. P&I)
- 6.99%7.36% comparison
- 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 | 6.99% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 91st lowest of 104, level with one other |
Rates
The one rate Warwick Credit Union publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, P&I | - | - | 6.99% | 7.36% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, Owner occupied, P&I | 6.74% | 6.99% | up 0.25 |
Each change is logged the night it appears in the rates Darling Downs Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
13 fees published, grouped by when they're charged.
- When you take it outUp to $3509 fees, each listed below
- While you hold itUp to $2702 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out9
- CITEC_CHECK_TITLE_SEARCH
Payable on funding of a new loan
$26.20 - CITEC_TITLE_SEARCH
Payable for each Title Search ordered
$25.63 - IN_HOUSE_SEARCH_FEE
Payable on funding a new loan when requesting a title search
$33 - REGISTRATION_FEES_-_MORTGAGE
Payalbe on registration of a new mortgage
$192 - REGISTRATION_FEES_-_RELEASE
Payable on registration of a Release of Mortgage
$192 - REGISTRATION_FEES_-_TRANSFER
Payable for registration of a transfer for purchase price up to $180,000. If above-price confirmed on application
$192 - SETTLEMENT_AGENT_FEE
Settlement Agent Fee payable on funding loan when settlement attended to
$60 - SETTLEMENT_NOTICE
payable when a settlement notice is lodged
$57 - VALUATION_FEE
Payable on funding when a new valuation has been obtained-price confirmed on application depending on location of property
$350
While you hold it2
- LOAN_ARREARS_LETTER_FEE
Charged once a loan has gone into arrears and letters are issue to customers
$12.50 - PACKAGE_FEE
Paid on funding of first HOP Facility and then on the anniversary date thereafter. One Fee per package (muliple loans available)
$270
When you make a transaction2
- MORTGAGE_RELEASE_FEE_-_SOLICITOR
Solicitor Mortgage Release charge
$200 - MORTGAGE_RELEASE_FEE
Mortgage Release fee charged per mortgage on realease by WCU
$150
Features
- Split Loan
Eligibility and limits
- Minimum age 18
- Residency: Individual must be citizens or permanent residents of Australia
- Minimum balance $5,000
- Member of Warwick Credit Union
Compare it with others
Put this product through a calculator
Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 14 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.