The Finance Algorithm
Macarthur Credit Union Ltd logoMacarthur Credit Union Ltd

LOW LVR INV P&I HOME LOAN

LOW LVR INV P&I HOME LOAN

Home loansBank updated 2 Nov 2026

At a glance

Variable (investor P&I)
7.29%
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.

This home loan: 7.29%Every other institution's lowest, 103 in all

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

RateThis home loanBest anywhereTypical institutionWhere it sits
Investor variable home loanInvestment, principal & interest, 80% LVR7.29%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions92nd lowest of 104

Rates

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

TypeApplies toTermBandRateComparisonConditions
VariableLVR 0.00 - 70%Investment, P&I--7.29%7.36%-

Rate changes

One change logged, newest first.

DateRateWasNowChange
31 Oct 2026Variable, Investment, P&I7.04%7.29%up 0.25

Each change is logged the night it appears in the rates The Mac 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 out9

  • APPLICATION_FEE_BRIDGING_LOAN
    $800
  • APPLICATION_FEE_TOP_UP
    $300
  • APPLICATION_FEE
    $400
  • DEFAULT_NOTICES
    $55
  • GENERAL_CONSENT_FEE
    $150
  • MORTGAGE_DISCHARGE_FEE
    $200
  • PRODUCTION_OF_TITLE_DEED_FEE
    $150
  • SUBSTITUTION_OF_SECURITY_FEE
    $250
  • SWITCHING_FEE
    $50

When you make a transaction3

  • COLLECTION_FEE

    At cost fee

    Varies
  • LEGAL_FEE

    At cost

    Varies
  • VALUATION_FEE

    Valuation charged at cost

    Varies

Features

RedrawExtra repayments

Eligibility and limits

  • Minimum age 18
  • Minimum balance $25,000

Published by The Mac under the Consumer Data Right, last changed by them on 2 Nov 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.