LCUIntelligent Mortgage Investment Loan 1 Year Fixed Rate
Fixed Rate - Investment - Principal and Interest
At a glance
- Variable (investor P&I)
- 7.00%
- 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 |
|---|---|---|---|---|
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.00% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 84th lowest of 104 |
Rates
Every rate LCU publishes for this home loan, 2 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%7.00%
- 1 yr fixed6.95%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, P&I | 1 yr fixed | - | 6.95% | - | - |
| Variable | Investment, P&I | - | - | 7.00% | 7.01% | - |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Fixed, Investment, P&I, 1 yr fixed | 6.70% | 6.95% | up 0.25 |
| 6 Nov 2026 | Variable, Investment, P&I | 6.75% | 7.00% | up 0.25 |
| 2 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed | 6.25% | 6.70% | up 0.45 |
| 2 Oct 2026 | Variable, Investment, P&I | 6.50% | 6.75% | up 0.25 |
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
- Flexible repayments. Weekly, fortnightly or monthly
- Interest calculated daily and applied monthly
- No ongoing Fees. No annual, monthly or weekly fees
- Repayment type Principal and Interest
Eligibility and 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)
- Maximum borrowing capacity (LVR) is 80% of valuation, 70% for land or rural properties, with no LMI or 95% with LMI
- 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…
Compare it with others
Put this product through a calculator
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.