Home loan rates › Laboratories Credit Union
Intelligent Mortgage Variable
Laboratories Credit Union
Variable - Owner Occupied - Principal and Interest
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 |
|---|---|---|---|---|---|
| 6.60% | 6.62% | Variable · owner occupied · 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://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable- Content hash
sha256 edcfadbb4b985f95cb1cf6c01f260ec1ec652121d69e8e057f9e104ab22667f9- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_edcfadbb4b985f95_36a61ac2Show details
- Checked
- 1 Nov 2026
- URL
https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable- Content hash
sha256 edcfadbb4b985f95cb1cf6c01f260ec1ec652121d69e8e057f9e104ab22667f9- 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 |
|---|---|---|
| VALUATION_FEE | Cash advance | Set in your letter of offer |
| SOLICITORS_FEES | Cash advance | Set in your letter of offer |
| REGISTRATION_FEES | Cash advance | Set in your letter of offer |
| PEXA_ELECTRONIC_LODGEMENT_FEE | Cash advance | Set in your letter of offer |
| CONTRACT_VARIATION_FEE | Event | $200.00 |
| MORTGAGE_DISCHARGE_FEE | Event | $200.00 |
| MORTGAGE_DISCHARGE_SOLICITORS_FEE | Cash advance | Set in your letter of offer |
| LENDERS_MORTGAGE_INSURANCE | Cash advance | Set in your letter of offer |
| OTHER_CERTIFICATES_AND_REPORTS | Cash advance | Set in your letter of offer |
| LAND_TITLE_SEARCH | Cash advance | Set in your letter of offer |
| CONSENT_FOR_A_SECOND_MORTGAGE | Cash advance | Set in your letter of offer |
| LOAN_APPLICATION_FEE | Upfront | $200.00 |
| RTGS_TRANSFER_FEE | Transaction | $15.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | ||
| Offset | ||
| Unlimited txns | ||
| Digital banking | ||
| Npp enabled | ||
| Npp payid | ||
| Notifications | SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more | |
| Extra repayments | Additional repayments. Unlimited additional repayments and early payout options without penalty | |
| Other | Automatic Repayments can be set up from salary, LCU account, or external account | |
| Other | Flexible repayments. Weekly, fortnightly or monthly | |
| Other | No ongoing Fees. No annual, monthly or weekly fees | |
| Guarantor | Family Guarantee. Need help with your deposit? Talk to LCU about getting the bank of mum and dad to help out. | |
| Other | Interest calculated daily and applied monthly | |
| Other | Repayment type Principal and Interest | |
| Eligibility: natural person | ||
| Eligibility: residency status | At least one borrower must be an Australian resident. | |
| Eligibility: min age | 18 | |
| Eligibility: employment status | Income required to service loan. Applicant must meet LCU lending criteria | |
| Eligibility: other | Security on Australian Residential Property (1st mortgage) | |
| Eligibility: other | Maximum loan term is 30 years | |
| Eligibility: other | Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you choose to close your account. | |
| Limit: min limit | 50000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: max lvr | 80.00 | |
| Limit: max lvr | 95.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.60% | 6.62% |
*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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