LCU
Intelligent Mortgage 1 Year Fixed
Fixed Rate - Owner Occupied - Principle and Interest
Home loansBank updated 5 May 2026
At a glance
- Variable (owner occ. P&I)
- 6.35% · 6.34% comparison
- Fixed
- 1 yr 6.10%
- Max LVR
- 95%
- Features
- redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied · P&I | 1 yr fixed | — | 6.10% | — | — |
| Variable | Owner occupied · P&I | — | — | 6.35% | 6.34% | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| CONSENT_FOR_A_SECOND_MORTGAGE | Cash advance | Varies | — | — |
| LAND_TITLE_SEARCH | Cash advance | Varies | — | — |
| LENDERS_MORTGAGE_INSURANCE | Cash advance | Varies | — | — |
| MORTGAGE_DISCHARGE_SOLICITORS_FEE | Cash advance | Varies | — | — |
| OTHER_CERTIFICATES_AND_REPORTS | Cash advance | Varies | — | — |
| PEXA_ELECTRONIC_LODGEMENT_FEE | Cash advance | Varies | — | — |
| REGISTRATION_FEES | Cash advance | Varies | — | — |
| SOLICITORS_FEES | Cash advance | Varies | — | — |
| VALUATION_FEE | Cash advance | Varies | — | — |
| CONTRACT_VARIATION_FEE | Event | $200 | — | — |
| MORTGAGE_DISCHARGE_FEE | Event | $200 | — | — |
| RTGS_TRANSFER_FEE | Transaction | $15 | — | — |
| LOAN_APPLICATION_FEE | Upfront | $200 | — | — |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionInstant paymentsPayIDDigital bankingUnlimited transactions
- · Automatic repayments. Can be set up from salary, LCU account, or external account
- · Flexible repayments. Weekly, fortnightly or monthly
- · No ongoing fees. No annual, monthly or weekly fees.
- · Interest calculated daily and applied monthly
- · Repayment type Principal and Interest
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: At least one borrower must be an Australian 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)
- · Minimum loan term is 1 year
- · Maximum loan term. Loan will be renegotiated at the end of the term - max 30 years
- · 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…
§ 05 — Compare
§ 06 — Run the numbers
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Published by Laboratories Credit Union under the Consumer Data Right, last changed by them on 5 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.