The interest rates advertised here apply to Northern Inland Credit Union's Owner Occupied Home Loans with principal and interest repayments.
For interest only repayment options, please contact us on 02 67635111 or visit a branch to obtain rates.
Note: The term LVR is an acronym for Loan to Value Ratio. The LVR is the amount you are borrowing, expressed as a percentage of the value of the property being used as security for the loan.
|
Fixed Rate |
Comparison Rate1,3 |
|
|---|---|---|
|
1yr Fixed Rate LVR <80% |
2.29% pa |
3.92% pa |
|
2yr Fixed Rate LVR <80% |
2.29% pa |
3.78% pa |
|
3yr Fixed Rate LVR <80% |
2.29% pa |
3.65% pa |
|
Variable Rate |
Comparison Rate1 |
|
|---|---|---|
| Variable Rate LVR <60% New Mortgages Only $250,000-$1,000,000 | 1.89% pa | 2.28% pa |
| Discounted Variable Rate LVR <80% New Mortgages Only | 2.79% pa | 3.16% pa |
|
Discounted Variable Rate LVR <80% |
3.18% pa |
3.54% pa |
|
Discounted Variable Rate - LVR (80%-90%) |
3.83% pa |
4.18% pa |
|
Variable Rate |
Comparison Rate1 |
|
|---|---|---|
|
Variable Interest Rate |
4.27% pa |
4.42% pa |
|
Variable Rate |
Comparison Rate1 |
|
|---|---|---|
|
Variable Interest Rate |
5.07% pa |
5.21% pa |
|
Fixed Rate |
Comparison Rate1,2 |
|
|---|---|---|
|
1 Year Fixed Rate |
2.79% pa |
3.96% pa |
|
2 Year Fixed Rate |
2.29% pa |
3.78% pa |
|
3 Year Fixed Rate |
2.79% pa |
3.77% pa |
| 4 Year Fixed Rate | 3.09% pa | 3.79% pa |
|
5 Year Fixed Rate |
3.19% pa | 3.77% pa |
The interest rates advertised here apply to Northern Inland Credit Union's Investment Home Loans with principal and interest repayments.
For interest only repayment options, please call us on 02 6763 5111 Monday to Friday or visit a branch to obtain rates
Note: The term LVR is an acronym for Loan to Value Ratio. The LVR is the amount you are borrowing, expressed as a percentage of the value of the property being used as security for the loan.
|
Fixed Rate |
Comparison Rate1,3 |
|
|---|---|---|
|
1yr Fixed Rate LVR <80% |
2.79% pa |
3.96% pa |
|
2yr Fixed Rate LVR <80% |
2.79% pa |
3.87% pa |
|
3yr Fixed Rate LVR <80% |
2.79% pa |
3.77% pa |
|
Variable Rate |
Comparison Rate1 |
|
|---|---|---|
| Variable Rate LVR <60% New Mortgages Only $250,000-$1,000,000 | 1.89% pa | 2.28% pa |
| Discounted Variable Rate LVR <80% New Mortgages Only | 2.79% pa | 3.16% pa |
|
Discounted Variable Rate LVR <80% |
3.18% pa |
3.54% pa |
|
Discounted Variable Rate - LVR (80%-90%) |
3.83% pa |
4.18% pa |
|
Variable Rate |
Comparison Rate1 |
|
|---|---|---|
|
Variable Interest Rate |
4.27% pa |
4.42% pa |
|
Variable Rate |
Comparison Rate1 |
|
|---|---|---|
|
Variable Interest Rate |
5.07% pa |
5.21% pa |
|
Fixed Rate |
Comparison Rate1,2 |
|
|---|---|---|
|
1 Year Fixed Rate |
2.99% pa |
3.98% pa |
|
2 Year Fixed Rate |
2.99% pa |
3.90% pa |
|
3 Year Fixed Rate |
2.99% pa |
3.83% pa |
| 4 Year Fixed Rate | 3.09% pa | 3.79% pa |
|
5 Year Fixed Rate |
3.69% pa | 3.97% pa |
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Important Information:
1. The Home Loan comparison applies to loans with 25 year terms for $150,000 2. The 1 to 5 year fixed loan comparison rates calculated under the assumption at the end of the fixed rate period, the balance of the term will convert to the current variable rate. 3. The fixed and variable Introductory Home Loan comparison rate is calculated under the assumption at the end of the introductory rate period, the balance of the term reverts to a discounted variable interest rate, being the standard variable rate, minus 1.14%. For new mortgages only. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.