Goulburn Murray Credit Union Co-Operative LtdFixed Rate 18 months - Special construction offer
Fixed Rate 18 months - Special construction offer
At a glance
- Max LVR
- 95%
- Annual fee
- $96
- Features
- offset, redraw, extra repayments
Rates
Every rate Goulburn Murray Credit Union Co-Operative Ltd publishes for this home loan, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, Interest only | 18 mo fixed | ≤60% LVR | 6.39% | 6.29% | - |
| Fixed | Owner occupied, Interest only | 18 mo fixed | 60–80% LVR | 6.39% | 6.37% | - |
| Fixed | Owner occupied, Interest only | 18 mo fixed | 80–95% LVR | 6.39% | 6.71% | - |
Fees
21 fees published, grouped by when they're charged.
- When you take it out$500LOAN_ESTABLISHMENT_FEE
- While you hold it$8 a monthHOME_LOAN_MONTHLY_SERVICE_FEE
- When you close it or pay it offNo fee published
When you take it out1
- LOAN_ESTABLISHMENT_FEE$500
While you hold it1
- HOME_LOAN_MONTHLY_SERVICE_FEE$8 a month
When you make a transaction7
- BREAK_COST_FEE
Applies to Fixed Rate Home Loans and is payable if your loan. Based on the difference between the Fixed Rate and our reinvestment rate.
No fee - LEGAL_AGENT_GOVT_COSTS
Legal/agent/government costs at cost.
No fee - MORTGAGE_PREPARATION_FEE
Mortgage documents prepared by solicitor payable by member at cost
No fee - REGISTRATION_OF_MORTGAGE_FEE
Registration of mortgage payable by member at cost
No fee - STAMP_DUTIES_ON_SECURITIES
Stamp Duties on Securities payable by Member at cost
No fee - VALUATION_FEE
Valuation fee payable by member at cost
No fee - LOAN_REDRAW_FEE$50
When particular things happen12
- DISCHARGE_OF_MORTGAGE_FEE
For preparation of discharge documentation on your written request.
$350 - GMCU_TITLE_SEARCH_FEE$25.30
- GOODS_SECURITY_AGREEMENT_PREPARATION_FEE
charged if a Goods Security Agreement is required as security (e.g. over a vehicle)
$30 - LOAN_CONTRACT_VARIATION_FEE
For Each Variation
$300 - LOAN_DEFAULT_FEE-_FINAL_NOTICE$25
- LOAN_DEFAULT_FEE-_SECOND_REMINDER_LETTER$15
- LOAN_DEFAULT_FEE$10
- LOAN_RATE_FIXING_FEE
Payable when a new fixed rate is applied to your existing loan.
$200 - LOAN_SECURITY_GUARANTEE_FEE
Loan Security Guarantee Fee payable by Member
$100 - PROGRESS_PAYMENT_FEE$25
- RATE_LOCK_FEE
Rate Lock Fee payable by Member
$600 - TOP_UP/SPLIT_LOANS$200
Features
Eligibility and limits
- Minimum age 18
- Residency: Permenant residency is required
- Available to individuals
- Amount $150,000 to $750,000
- Maximum LVR 95%
- Maximum LVR 80%
- Single dwelling constraction with fixed price building contract
- Terms, conditions, lending eligibility and approval criteria apply
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Published by gmcu under the Consumer Data Right, last changed by them on 1 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.