Transport Mutual Credit Union LtdBASIC VARIABLE LOAN
BASIC VARIABLE LOAN
Home loansBank updated 11 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 6.49%6.59% comparison
- 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 65th lowest of 104, level with 3 others |
Rates
The one rate Transport Mutual Credit Union Ltd publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, P&I | - | - | 6.49% | 6.59% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 12 Oct 2026 | Variable, Owner occupied, P&I | 6.24% | 6.49% | up 0.25 |
Each change is logged the night it appears in the rates TMCU publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
When you take it out2
- HOME_LOAN$395
- LEGAL_FEE_MORTGAGE_DOCUMENTS100.00% of transaction
When you make a transaction7
- AGENT_SOLICITOR_COLLECTION_COSTS100.00% of transaction
- DISCHARGE_FEE100.00% of transaction
- LAND_TITLES_OFFICE_REGISTRATION_FEES100.00% of transaction
- SETTLEMENT_AGENT_FEES100.00% of transaction
- SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGESVaries
- VALUATION_FEE100.00% of transaction
- DEFAULT_NOTICE$55
When particular things happen2
- ARREARS_FEE-ARREARS_FEE_LETTER_2$25
- ARREARS_FEE$10
Features
Offset accountRedrawExtra repayments
Eligibility and limits
- Residency: Must be Australian Citizen or Permanent Resident
- Available to individuals
- Amount from $100,000, no maximum
Compare it with others
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Published by TMCU under the Consumer Data Right, last changed by them on 11 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.