Home loan rates › Central West CUL
Smart Fixed Rate Investment Home Loan 1 Year
Central West CUL
For those members who want certainty of repayments
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 |
|---|---|---|---|---|---|
| 6.69% | 7.44% | Fixed · 1 year · investment · principal and interest | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest | Not compared in rate tables | 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://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Smart_Fixed_Rate_Investment_Home_Loan_-_1_Year- Content hash
sha256 5d5b1a9ab0e9ee054a7c92af3225acb84cae5bf432b56ee600b5c9e94236e7a6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5d5b1a9ab0e9ee05_a37c8802Show details
- Checked
- 1 Nov 2026
- URL
https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Smart_Fixed_Rate_Investment_Home_Loan_-_1_Year- Content hash
sha256 5d5b1a9ab0e9ee054a7c92af3225acb84cae5bf432b56ee600b5c9e94236e7a6- 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 |
|---|---|---|
| BREAK_COST_FEE | Transaction | $0.00 |
| MORTGAGE_DISCHARGE_FEE | Exit | $536.00 |
| SMART_HOME_LOAN_ESTABLISHMENT_FEE | Upfront | $822.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Other | At end of fixed rate period, loan can either be refixed or it converts to the Mortgage Smart Investment Home Loan variable rate | |
| Extra repayments | Up to $10,000 per year | |
| Other | Split Loan allowed | |
| Redraw | Allowed - Minimum $500 | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Australian Resident Only | |
| Eligibility: other | Maximum LVR of 85% subject to Lenders Mortgage Insurance approval | |
| Limit: min balance | 75000.00 | |
| Limit: max lvr | 0.80 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · investment · principal and interest | 1 Nov 2026 | Current | 6.69% | 7.44% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | Comparison rate not published | |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
comparison-rate-missing | Reason this product is not ranked | |
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