Value Home Loan - Owner Occupied

Our Value Home Loan offers financial flexibility, a competitive rate and no ongoing loan fees.

Home loansBank updated 3 June 2026

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

At a glance

Variable (owner occ. P&I): 5.94%5.98% comparison
Max LVR: 98%
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.

Typical 6.38%

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

This home loan: 5.94%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	5.94%	5.93%SCCU's BROKER HOME LOAN	6.38%of 104 institutions	2nd lowest of 104, level with 3 others

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…	Owner occupied, P&I	-	-	5.94%	5.98%	-

Fees

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

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

RedrawExtra 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 $500,000 to $2,000,000
Maximum LVR 98%
Credit Approval

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.