At a glance
- Variable (owner occ. P&I)
- 7.74%7.85% comparison
- Variable (investor P&I)
- 7.74%
- 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.74% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 101st lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.74% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 100th lowest of 104, level with one other |
Rates
The one rate Transport Mutual Credit Union Ltd publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | P&I | - | - | 7.74% | 7.85% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 12 Oct 2026 | Variable, P&I | 7.49% | 7.74% | 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
7 fees published, grouped by when they're charged.
When you take it out1
- HOME_LOAN$395
When you make a transaction4
- AGENT_SOLICITOR_COLLECTION_COSTS100.00% of transaction
- DISCHARGE_FEE100.00% of transaction
- VALUATION_FEE100.00% of transaction
- DEFAULT_NOTICE$55
When particular things happen2
- ARREARS_FEE-ARREARS_FEE_LETTER_2$25
- ARREARS_FEE$10
Features
RedrawExtra repayments
Eligibility and limits
- Residency: Must be Australian Citizen or Permanent Resident
- Available to individuals
- Amount from $10,000, no maximum
Compare it with others
Put this product through a calculator
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.