Goulburn Murray Credit Union Co-Operative LtdStandard Variable Plus
Standard Variable Plus Home Loan
At a glance
- Variable (owner occ. P&I)
- 6.09%6.25% comparison
- 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 |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.19% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 16th lowest of 104, level with 6 others |
Rates
Every rate Goulburn Murray Credit Union Co-Operative Ltd publishes for this home loan, 3 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤60%6.09%
- 60–80%6.19%
- 80–95%6.59%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, P&I | - | ≤60% LVR | 6.09% | 6.25% | - |
| Variable | Owner occupied, P&I | - | 60–80% LVR | 6.19% | 6.35% | - |
| Variable | Owner occupied, P&I | - | 80–95% LVR | 6.59% | 6.75% | - |
Fees
18 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 transaction6
- 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 happen10
- 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_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 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.