The Finance Algorithm
Transport Mutual Credit Union Ltd logoTransport Mutual Credit Union Ltd

1 YEAR FIXED INTEREST ONLY

1 YEAR FIXED INTEREST ONLY

Home loansBank updated 11 Oct 2026
Apply at TMCU ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I)
7.24%
Variable (investor P&I)
7.24%
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.

This home loan: 7.24%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.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR7.24%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions95th lowest of 104, level with one other
Investor variable home loanInvestment, principal & interest, 80% LVR7.24%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions91st lowest of 104

Rates

Every rate Transport Mutual Credit Union Ltd publishes for this home loan, 2 in all.

TypeApplies toTermBandRateComparisonConditions
FixedInterest only1 yr fixed-7.49%7.34%-
VariableP&I--7.24%--

Rate changes

2 changes logged, newest first.

DateRateWasNowChange
12 Oct 2026Fixed, Interest only, 1 yr fixed7.24%7.49%up 0.25
12 Oct 2026Variable, P&I6.99%7.24%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

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

When you take it out3

  • BANK_CHEQUES
    $12
  • HOME_LOAN
    $395
  • LEGAL_FEE_MORTGAGE_DOCUMENTS
    100.00% of transaction

When you make a transaction7

  • AGENT_SOLICITOR_COLLECTION_COSTS
    100.00% of transaction
  • DISCHARGE_FEE
    100.00% of transaction
  • LAND_TITLES_OFFICE_REGISTRATION_FEES
    100.00% of transaction
  • SETTLEMENT_AGENT_FEES
    100.00% of transaction
  • SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES
    Varies
  • VALUATION_FEE
    100.00% 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

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.