NORTHERN INLAND CREDIT UNION LTD.
Smart Home Loan Variable
Our standard variable rate Smart Home Loan with 100% offset account and fee discounts on your everyday accounts
Home loansBank updated 3 June 2026
At a glance
- Variable (owner occ. P&I)
- 7.44% · 7.61% comparison
- Variable (investor P&I)
- 7.44%
- Max LVR
- 98%
- Annual fee
- $96
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableComparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include al… | P&I | — | — | 7.44% | 7.61% | — |
§ 02 — Fees · 12
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| FINAL_SEARCH | Cash advance | No fee | — | — |
| MORTGAGE_VALUATION | Cash advance | $275 | — | Valuation fee is variable depending on the location, size and type of property. |
| PEXA_ELCTRONIC_SETTLEMENT_AGENCY | Cash advance | Varies | — | Fee is variable depending on number of titles and varies from state to state. |
| REGISTRATION_WITH_LRS | Cash advance | No fee | — | — |
| ALTERNATE_SECURITY_MORTGAGE | Event | $300 | — | — |
| DISCHARGE_MORTGAGE | Event | $300 | — | — |
| LATE_REPAYMENT_FEE | Event | $15 | — | — |
| MORTGAGE_CANCELLATION_FEE | Event | $150 | — | — |
| MORTGAGE_DOCUMENT_FEE_-_(NEW_SECURITIES_ONLY) | Event | $440 | — | — |
| STAFF_TRANSFER | Event | $10 | — | — |
| LOAN_MONTHLY_FEE | Periodic | $8 | Every 1 mo | — |
| MORTGAGE_ESTABLISHMENT_FEE | Upfront | $600 | — | — |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · For owner occupied or Investment homes, refinancing your existing home loan, purchasing of vacant land (up to 200acres/80ha) and building a new home
- · Make weekly, fortnightly or monthly repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: AU
- · Available to individuals
- · Amount $20,000 to $2,000,000
- · Maximum LVR 98%
- · Credit Approval
- · Required if LVR above 80%
§ 05 — Compare
§ 06 — Run the numbers
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Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 3 June 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.