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Smart Home Loan

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5.82% pa
Variable Rate

5.95% pa
Comparison Rate

Enquire OnlineBook an Appointment

Our standard variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing your home or investment property.

  • Borrow up to 95% of the purchase price1
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • 100% Offset Account available3
  • Free redraw facility
  • Save with our Classic Visa, with a reduced interest rate for the life of your loan2

5.82% pa
Variable Rate

5.95% pa
Comparison Rate

Enquire OnlineBook an Appointment

Our standard variable rate Smart Home Loan is a flexible home loan packed with smart features for purchasing or refinancing your home or investment property. You can even borrow to build your dream home or make major home improvements.

  • Borrow up to 95% of the purchase price1
  • Enjoy fee discounts on your linked savings account for the life of your loan
  • 100% Offset Account available3
  • Free redraw facility
  • Save with our Classic Visa, with a reduced interest rate for the life of your loan2



  Owner-Occupied Product Features:
Smart Home Loan (Owner Occupied)
Interest Rates
Variable interest rate5.82% pa
Comparison rate5.95% pa
Interest ChargesCalculated daily, charged monthly
Fees
Establishment fee$600 
Monthly fee$8 
Annual fee$0 
Redraw fee$0 
Features
Borrow <95% Purchase PriceYes1
Maximum term (years)30 
Loan repayment insuranceYes 
Additional repayments acceptedYes 
Reduced Interest Rate - Visa Credit Card Yes2
Branch / Online AccessYes
Smart Offset Account AvailableYes3
Split Loan Rate Options ( Fixed Variable)Yes
Member Loyalty ProgramYes4

  Investment Product Features:
Smart Home Loan (Investment)
Interest Rates
Variable interest rate5.82% pa
Comparison rate5.95% pa
Interest ChargesCalculated daily, charged monthly
Fees
Establishment fee$600 
Monthly fee$8 
Annual fee$0 
Redraw fee$0 
Features
Borrow <95% Purchase PriceYes1
Maximum term (years)30 
Loan repayment insuranceYes 
Additional repayments acceptedYes 
Reduced Interest Rate - Visa Credit Card Yes2
Branch / Online AccessYes
Smart Offset Account AvailableYes3
Split Loan Rate Options ( Fixed Variable)Yes
Member Loyalty ProgramYes4

 

  Additional Product Information:

 

 

Important Information:

Credit criteria and fees and charges apply. Terms and Conditions are available on application. The issuer of this product is Northern Inland Credit Union Limited. The target market determination for this product is available at nicu.com.au/disclosures. 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 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. Offer is for a limited time. Northern Inland reserves the right to withdraw, extend or vary this offer.

1 Lenders Mortgage Insurance required for borrowings over 80%

2 Home Loan Rewards Classic Credit Card discounted rate applies for the life of the Home Loan, when loan and credit facility are not in arrears. Northern Inland reserves the right to withdraw, extend or vary this offer.

3 Eligible variable and fixed rate Home Loans only. Northern Inland reserves the right to withdraw, extend or vary this offer.

4 Personal Memberships only. The home loan account must not be in arrears or in default of the terms and conditions of the loan. Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and are payable by the Member.