Home loan rates › Northern Inland Credit Union Limited
Smart Home Loan Variable
Northern Inland Credit Union Limited
Our standard variable rate Smart Home Loan with 100% offset account and fee discounts on your everyday accounts
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.69% | 7.86% | Variable · unconstrained · principal and interest | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICU28V- Content hash
sha256 d914edbec757dd924a5d9cbdcdcd28561e524ade1763525a911b2090fcb17d1f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_d914edbec757dd92_0d69e88eShow details
- Checked
- 1 Nov 2026
- URL
https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICU28V- Content hash
sha256 d914edbec757dd924a5d9cbdcdcd28561e524ade1763525a911b2090fcb17d1f- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| ALTERNATE_SECURITY_MORTGAGE | Event | $300.00 |
| DISCHARGE_MORTGAGE | Event | $300.00 |
| FINAL_SEARCH | Cash advance | $0.00 |
| LATE_REPAYMENT_FEE | Event | $15.00 |
| MORTGAGE_CANCELLATION_FEE | Event | $150.00 |
| MORTGAGE_ESTABLISHMENT_FEE | Upfront | $600.00 |
| REGISTRATION_WITH_LRS | Cash advance | $0.00 |
| STAFF_TRANSFER | Event | $10.00 |
| LOAN_MONTHLY_FEE | Periodic | $8.00 |
| PEXA_ELCTRONIC_SETTLEMENT_AGENCY | Cash advance | Set in your letter of offer |
| MORTGAGE_VALUATION | Cash advance | $275.00 |
| MORTGAGE_DOCUMENT_FEE_-_(NEW_SECURITIES_ONLY) | Event | $440.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | For owner occupied or Investment homes, refinancing your existing home loan, purchasing of vacant land (up to 200acres/80ha) and building a new home | |
| Complementary product discounts | Classic Credit Card | Optional Classic Credit Card with no annual card fee and a discounted rate for the life of the home loan |
| Redraw | Free redraw on additional repayments made. Minimum $500 | |
| Other | Make weekly, fortnightly or monthly repayments | |
| Offset | 100% Offset everyday transaction account available | |
| Digital banking | Secure banking 24/7 from your computer or mobile with Online Banking | |
| Digital banking | 24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen. | |
| Extra repayments | Additional repayments allowed | |
| Eligibility: other | Credit Approval | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | AU | |
| Eligibility: natural person | Available for personal borrowers only | |
| Eligibility: other | Required if LVR above 80% | |
| Limit: min limit | 20000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max lvr | 90.00 | |
| Limit: max lvr | 95.00 | |
| Limit: max lvr | 98.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · unconstrained · principal and interest | 1 Nov 2026 | Current | 7.69% | 7.86% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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