Northern Inland Credit Union Ltd.Dream Home Loan Variable IO Owner Occupied
A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available.
At a glance
- Max LVR
- 98%
- Annual fee
- $350
- Features
- offset, redraw, extra repayments
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 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate. | Owner occupied, Interest only | - | - | 7.19% | 7.52% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Variable, Owner occupied, Interest only | 6.94% | 7.19% | 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
10 fees published, grouped by when they're charged.
While you hold it1
- MORTGAGE_ANNUAL_FEE$350 a year
When you make a transaction4
- FINAL_SEARCHNo 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_LRSNo fee
When particular things happen5
- ALTERNATE_SECURITY_MORTGAGE$300
- DISCHARGE_MORTGAGE$300
- LATE_REPAYMENT_FEE$15
- MORTGAGE_CANCELLATION_FEE$150
- STAFF_TRANSFER$10
Features
- For owner occupied and investment homes, purchasing of vacant land (up to 200acres/80ha) and building a new home
- Make weekly, fortnightly or monthly repayments
- Maximum Interest Only Period of 60 months
Eligibility and limits
- Minimum age 18
- Residency: AU
- Available to individuals
- Maximum LVR 98%
- Minimum balance $150,000
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
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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.