LCU
Intelligent Mortgage Investment Loan 2 Year Fixed
Fixed Rate - Investment - Principal and Interest
Home loansBank updated 17 July 2026
At a glance
- Variable (investor P&I)
- 6.50%
- Max LVR
- 95%
- Features
- redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · P&I | 2 yrs fixed | — | 6.35% | — | — |
| Variable | Investment · P&I | — | — | 6.50% | 6.49% | — |
§ 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 repaymentsInstant paymentsPayIDDigital bankingUnlimited transactions
- · 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
§ 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 17 July 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.