LCUBridging Loan Owner Occupied Variable
Variable - Owner Occupied - Interest Only - 12 Months Max
At a glance
- Variable (owner occ. P&I)
- 7.99%8.01% comparison
- Max LVR
- 95%
- Features
- 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 | 7.99% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 101st lowest of 104 |
Rates
Every rate LCU publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, Interest only | - | - | 7.99% | - | - |
| Variable | Owner occupied, P&I | - | - | 7.99% | 8.01% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Variable, Owner occupied, Interest only | 7.49% | 7.99% | up 0.50 |
| 6 Nov 2026 | Variable, Owner occupied, P&I | 7.49% | 7.99% | up 0.50 |
Each change is logged the night it appears in the rates Laboratories Credit Union 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 out1
- LOAN_APPLICATION_FEE$200
When you make a transaction10
- CONSENT_FOR_A_SECOND_MORTGAGEVaries
- LAND_TITLE_SEARCHVaries
- LENDERS_MORTGAGE_INSURANCEVaries
- MORTGAGE_DISCHARGE_SOLICITORS_FEEVaries
- OTHER_CERTIFICATES_AND_REPORTSVaries
- PEXA_ELECTRONIC_LODGEMENT_FEEVaries
- REGISTRATION_FEESVaries
- SOLICITORS_FEESVaries
- VALUATION_FEEVaries
- RTGS_TRANSFER_FEE$15
When particular things happen2
- CONTRACT_VARIATION_FEE$200
- MORTGAGE_DISCHARGE_FEE$200
Features
- Automatic Repayments can be set up from salary, LCU account, or external account
- No ongoing Fees. No annual, monthly or weekly fees
- Interest calculated daily and applied monthly
- Repayment type Interest Only
Eligibility and limits
- Minimum age 18
- Residency: At least one borrower must be an Australia resident
- Employment: Income required to service loan. Applicant must meet LCU lending criteria
- Available to individuals
- Amount $50,000 to $3,000,000
- Maximum LVR 95%
- Security on Australian Residential Property (1st mortgage)
- Maximum loan term is 1 year
- Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you c…
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Published by Laboratories Credit Union under the Consumer Data Right, last changed by them on 6 Nov 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.