The Finance Algorithm
Goulburn Murray Credit Union Co-Operative Ltd logoGoulburn Murray Credit Union Co-Operative Ltd

Fixed Rate Home Loan - Investment

Fixed Rate Home Loan - Investment

Home loansBank updated 6 Oct 2026
Apply at gmcu ↗Product page ↗Fees and pricing ↗Terms ↗

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, 9 in all.

Variable and fixed, at 80% LVR

Investment, principal and interest, the lowest rate for each

  1. 1 yr fixed6.39%
  2. 2 yrs fixed6.34%
  3. 3 yrs fixed6.89%
This home loan
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, P&I1 yr fixed≤60% LVR6.39%6.46%-
FixedInvestment, P&I1 yr fixed60–80% LVR6.39%6.55%-
FixedInvestment, P&I1 yr fixed80–95% LVR6.39%6.90%-
FixedInvestment, P&I2 yrs fixed≤60% LVR6.34%6.46%-
FixedInvestment, P&I2 yrs fixed60–80% LVR6.34%6.54%-
FixedInvestment, P&I2 yrs fixed80–95% LVR6.34%6.86%-
FixedInvestment, P&I3 yrs fixed≤60% LVR6.89%6.62%-
FixedInvestment, P&I3 yrs fixed60–80% LVR6.89%6.69%-
FixedInvestment, P&I3 yrs fixed80–95% LVR6.89%6.98%-

Rate changes

2 changes logged, newest first.

DateRateWasNowChange
2 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 80–95% LVR6.79%6.39%down 0.40
2 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 80–95% LVR6.69%6.34%down 0.35

Each change is logged the night it appears in the rates gmcu publishes. See how every lender answered the RBA on the rate tracker.

Fees

20 fees published, grouped by when they're charged.

  1. When you take it out$500LOAN_ESTABLISHMENT_FEE
  2. While you hold it$8 a monthHOME_LOAN_SERVICE_FEE
  3. 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

Offset accountRedrawExtra repayments

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
  • Minimum 80% - Maximum 95% LVR

Published by gmcu under the Consumer Data Right, last changed by them on 6 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.