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 7 Oct 2026

Apply at Northern Inland Credit Union Limited ↗Product page ↗Fees and pricing ↗

At a glance

Variable (owner occ. P&I): 7.69%7.86% comparison
Variable (investor P&I): 7.69%
Max LVR: 98%
Annual fee: $96
Features: offset, 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.

Typical 6.38%

6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 7.69%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	7.69%	5.93%SCCU's BROKER HOME LOAN	6.38%of 104 institutions	101st lowest of 104
Investor variable home loanInvestment, principal & interest, 80% LVR	7.69%	5.94%AAA Financial Corporation's Portfolio Loan	6.59%of 104 institutions	100th lowest of 104

Rates

The one rate Northern Inland Credit Union Ltd. publishes for this home loan.

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	-	-	7.69%	7.86%	-

Rate changes

One change logged, newest first.

Date	Rate	Was	Now	Change
8 Oct 2026	Variable, P&I	7.44%	7.69%	up 0.25

Each change is logged the night it appears in the rates Northern Inland Credit Union Limited publishes. See how every lender answered the RBA on the rate tracker.

Fees

12 fees published, grouped by when they're charged.

When you take it out$600MORTGAGE_ESTABLISHMENT_FEE
While you hold it$8 a monthLOAN_MONTHLY_FEE
When you close it or pay it offNo fee published

When you take it out1

MORTGAGE_ESTABLISHMENT_FEE
$600

While you hold it1

LOAN_MONTHLY_FEE
$8 a month

When you make a transaction4

FINAL_SEARCH
No fee
MORTGAGE_VALUATION
Valuation fee is variable depending on the location, size and type of property.
$275
PEXA_ELCTRONIC_SETTLEMENT_AGENCY
Fee is variable depending on number of titles and varies from state to state.
Varies
REGISTRATION_WITH_LRS
No fee

When particular things happen6

ALTERNATE_SECURITY_MORTGAGE
$300
DISCHARGE_MORTGAGE
$300
LATE_REPAYMENT_FEE
$15
MORTGAGE_CANCELLATION_FEE
$150
MORTGAGE_DOCUMENT_FEE_-_(NEW_SECURITIES_ONLY)
$440
STAFF_TRANSFER
$10

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

Eligibility and 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%

Compare it with others

All home loans Other Northern Inland Credit Union Limited home loans Everything Northern Inland Credit Union Limited publishes

Put this product through a calculator

Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 7 Oct 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.