Transport Mutual Credit Union Ltd1 YEAR FIXED RATE LOAN
1 YEAR FIXED RATE LOAN
At a glance
- Variable (owner occ. P&I)
- 6.14%
- Fixed
- 1 yr 6.24%
- 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.14% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 9th lowest of 104, level with 5 others |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.24% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 4th lowest of 82, level with 2 others |
Rates
Every rate Transport Mutual Credit Union Ltd publishes for this home loan, 2 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.14%
- 1 yr fixedtypical 6.59%6.24%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 1 yr fixed | - | 6.24% | 6.56% | - |
| Variable | Owner occupied, P&I | - | - | 6.14% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 12 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 5.99% | 6.24% | up 0.25 |
| 12 Oct 2026 | Variable, Owner occupied, P&I | 5.89% | 6.14% | 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
Eligibility and limits
- Residency: Must be Austrlian Citizen or Permanent Resident
- Available to individuals
- Amount from $100,000, no maximum
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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.