Home loan rates › Laboratories Credit Union
Property Investment Mortgage Variable
Laboratories Credit Union
Our standard variable home loan rate for investment properties.
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 |
|---|---|---|---|---|---|
| 6.75% | 6.77% | Variable · investment · 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/Property_Investment_Mortgage_Variable- Content hash
sha256 7eae9b8c137e57ad850f713abed1f96ffbf1285fa69a10c1fd6a84d6f582f5d7- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7eae9b8c137e57ad_089f395cShow details
- Checked
- 1 Nov 2026
- URL
https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Property_Investment_Mortgage_Variable- Content hash
sha256 7eae9b8c137e57ad850f713abed1f96ffbf1285fa69a10c1fd6a84d6f582f5d7- 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 with no 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 | |
| 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 · investment · principal and interest | 1 Nov 2026 | Current | 6.75% | 6.77% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.