Smart Home Loan Fixed 12M

Enjoy the security of a fixed rate for 1 year, 100% offset account, plus fee discounts on your everyday accounts for the life of the loan

Home loansBank updated 3 June 2026

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

At a glance

Fixed: 1 yr 6.29%
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 6.59%

6.2%6.4%6.6%6.8%7%7.2%7.4%to 9.5%

This home loan: 6.29%Every other institution's lowest, 81 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 1-year fixed 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
1-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.29%	5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M	6.59%of 82 institutions	6th lowest of 82, level with one other

Rates

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

Type	Applies to	Term	Band	Rate	Comparison	Conditions
FixedComparison 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	1 yr fixed	-	6.29%	7.48%	-

Fees

13 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 happen7

ALTERNATE_SECURITY_MORTGAGE
$300
DISCHARGE_MORTGAGE
$300
EARLY_PAYOUT_FIXED_RATE
Ending fixed interest rate loan prior to end of fixed period: see contract or Early Payout factsheet for calculation method
$300
LATE_REPAYMENT_FEE
$15
MORTGAGE_CANCELLATION_FEE
$150
RATE_LOCK
From $750
$750
STAFF_TRANSFER
$10

Features

Offset accountRedrawExtra repaymentsDigital banking

For owner occupied 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
1 to 5 year fixed loan terms available

Eligibility and limits

Minimum age 18
Residency: AU
Available to individuals
Amount $20,000 to $2,000,000
Maximum LVR 98%
Credit approval required
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 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.