Home loan rates › Northern Inland Credit Union Limited
Smart Home Loan Fixed 12M
Northern Inland Credit Union Limited
Enjoy the security of a fixed rate for 1 year, 100% offset account, plus fee discounts on your everyday accounts for the life of the loan
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 |
|---|---|---|---|---|---|
| 6.29% | 7.48% | Fixed · 1 year · 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/NICUL28F_12M- Content hash
sha256 95434695203b2b014b0249e9198df3d5d54cfd6ad601fcd22389e02af83b6b2d- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_95434695203b2b01_45b5d5fdShow details
- Checked
- 1 Nov 2026
- URL
https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL28F_12M- Content hash
sha256 95434695203b2b014b0249e9198df3d5d54cfd6ad601fcd22389e02af83b6b2d- 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 |
| EARLY_PAYOUT_FIXED_RATE | Event | $300.00 |
| FINAL_SEARCH | Cash advance | $0.00 |
| LATE_REPAYMENT_FEE | Event | $15.00 |
| LOAN_MONTHLY_FEE | Periodic | $8.00 |
| MORTGAGE_CANCELLATION_FEE | Event | $150.00 |
| MORTGAGE_ESTABLISHMENT_FEE | Upfront | $600.00 |
| RATE_LOCK | Event | $750.00 |
| REGISTRATION_WITH_LRS | Cash advance | $0.00 |
| STAFF_TRANSFER | Event | $10.00 |
| PEXA_ELCTRONIC_SETTLEMENT_AGENCY | Cash advance | Set in your letter of offer |
| MORTGAGE_VALUATION | Cash advance | $275.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | For owner occupied 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 |
| Extra repayments | Make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period | |
| Redraw | Free redraw on additional repayments made. Minimum $500 | |
| Other | Make weekly, fortnightly or monthly repayments | |
| Offset | 100% Offset everyday transaction account available | |
| Other | 1 to 5 year fixed loan terms 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. | |
| Eligibility: other | Credit approval required | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | AU | |
| Eligibility: natural person | Available for personal borrowers only | |
| Eligibility: other | Required if LVR above 80% | |
| Limit: max limit | 2000000.00 | |
| Limit: min limit | 20000.00 | |
| Limit: max lvr | 98.00 | |
| Limit: max lvr | 95.00 | |
| Limit: max lvr | 90.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · unconstrained · principal and interest | 1 Nov 2026 | Current | 6.29% | 7.48% |
*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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