Goulburn Murray Credit Union Co-Operative LtdFixed Rate Home Loan
Fixed Rate Home Loan
At a glance
- Fixed
- 1 yr 6.24%, 2 yrs 6.19%, 3 yrs 6.59%
- Max LVR
- 95%
- Annual fee
- $96
- 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 |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.24% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 4th lowest of 82, level with 2 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.19% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 2nd lowest of 84 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 27th lowest of 80, level with 5 others |
Rates
Every rate Goulburn Murray Credit Union Co-Operative Ltd publishes for this home loan, 9 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.24%
- 2 yrs fixedtypical 6.62%6.19%
- 3 yrs fixedtypical 6.69%6.59%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 1 yr fixed | ≤60% LVR | 6.24% | 6.26% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | 60–80% LVR | 6.24% | 6.35% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | 80–95% LVR | 6.24% | 6.71% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | ≤60% LVR | 6.19% | 6.27% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 60–80% LVR | 6.19% | 6.35% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 80–95% LVR | 6.19% | 6.67% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤60% LVR | 6.59% | 6.39% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 60–80% LVR | 6.59% | 6.46% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 80–95% LVR | 6.59% | 6.46% | - |
Fees
20 fees published, grouped by when they're charged.
- When you take it out$500LOAN_ESTABLISHMENT_FEE
- While you hold it$8 a monthHOME_LOAN_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_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 happen11
- 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 - 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
- Maximum LVR 95%
- 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 21 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.