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3.04% pa
Variable Rate
(LVR < 80% )

3.41% pa
Comparison Rate

Enquire OnlineBook an Appointment

All the bells and whistles of a home loan packaged up, and topped off with an ultimate discounted rate off the standard variable mortgage rate, when repaying principle and interest.1

  • Minimum $150,000 except when offers apply
  • No establishment fee
  • Visa Classic credit card with a discounted interest rate and No Annual Fee3
  • 100% offset account available4
  • Free redraw
  • $350 annual package fee

3.93% pa
Variable Rate

4.28% pa
Comparison Rate

Enquire OnlineBook an Appointment

All the bells and whistles from our current Home Loan Value Package, topped off with the ultimate discounted rate ranging from 1.24% to 1.89% off the investment standard variable mortgage rate, when repaying principle and interest.

  • Minimum $150,000 except when offers apply
  • No establishment fee
  • Visa Classic credit card with a discounted interest rate and No Annual Fee3
  • 100% offset account available4
  • Free redraw
  • $350 annual package fee

 



  Owner-Occupied Product Features:
Dream Value Home Loan (Owner Occupied)
Interest Rates
Variable interest rate2.44% pa
Comparison rate2.82% pa
Interest ChargesCalculated daily, charged monthly
Owner Occupied Rates (Principal and Interest)
Discounted Variable Rate - LVR <60%2.94% pa2
Discounted Comparison Rate - LVR <60%3.31% pa2
Discounted Variable Rate - LVR <80% New Mortgage Only3.04% pa
Discounted Comparison Rate - LVR <80% New Mortgage Only3.41% pa
Discounted Variable Rate - LVR <80%3.93% pa
Discounted Comparison Rate - LVR <80%4.28% pa
Discounted Variable Rate - LVR (80% - 90%)4.58% pa
Discounted Comparison Rate - LVR (80% - 90%)4.91% pa
Owner Occupied Rates (Interest Only)
Discounted Variable Rate - Interest Only LVR <80%4.48% pa
Discounted Comparison Rate - Interest Only LVR <80%4.82% pa
Discounted Variable Rate - Interest Only LVR (80% - 90%)4.73% pa
Discounted Comparison Rate - Interest Only LVR (80% - 90%)5.06% pa
Fees
Establishment fee$0 
Monthly fee$0 
Annual fee$350 
Redraw fee$0 
Features
Minimum loan amount$150,000 
Maximum term (years)30 
Free Redraw FacilityMinimum $500 per draw
Loan repayment insuranceYes 
Additional repayments acceptedYes 
Reduced Interest Rate - Visa Credit Card Yes3
Branch / Online AccessYes
Smart Offset Account AvailableYes4
Split Loan Rate Options ( Fixed Variable)Yes
Member Loyalty ProgramYes5

  Investment Product Features:
Dream Value Home Loan (Investment)
Investment Rates (Principal and Interest)
Discounted Variable Rate - LVR <60% - Investment 2.94% pa2
Discounted Comparison Rate - LVR <60% - Investment 3.16% pa2
Discounted Variable Rate - LVR <80% New Mortgage Only3.04% pa
Discounted Comparison Rate - LVR <80% New Mortgage Only3.41% pa
Discounted Variable Rate - LVR <80% - Investment3.93% pa
Discounted Comparison Rate - LVR <80% - Investment4.28% pa
Discounted Variable Rate - LVR (80% - 90%) - Investment4.58% pa
Discounted Comparison Rate - LVR (80% - 90%) - Investment4.91% pa
Investment Rates (Interest Only)
Discounted Variable Rate - Interest Only LVR <80% - Investment4.48% pa
Discounted Comparison Rate - Interest Only LVR <80% - Investment4.82% pa
Discounted Variable Rate - Interest Only LVR (80% - 90%) - Investment4.73% pa
Discounted Comparison Rate - Interest Only LVR (80% - 90%) - Investment5.06% pa
Fees
Establishment fee$0 
Monthly fee$0 
Annual fee$350 
Redraw fee$0 
Features
Minimum loan amount$150,000 
Maximum term (years)30 
Free Redraw FacilityMinimum $500 per draw
Loan repayment insuranceYes 
Additional repayments acceptedYes 
Reduced Interest Rate - Visa Credit Card Yes3
Branch / Online AccessYes
Smart Offset Account AvailableYes4
Split Loan Rate Options ( Fixed Variable)Yes
Member Loyalty ProgramYes5

 

  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. Rates advertised applies to loans with 25 year terms for $150,000. 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.

1 The rate shown applies to the discount on Northern Inland’s standard variable Smart Home Loan Interest Rate as applicable from time to time, when loan is not in arrears or default, on owner-occupied, principal & interest 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. Loan to Value ratios are calculated based on type and location of eligible security property. The discount applies to the standard variable Smart Home Loan Interest Rate. Loan to Value ratios are calculated based on type and location of eligible security property. Owner Occupied Mortgages with a Loan to Value ratio of 80% or below and repay principal & interest, are eligible for a discount of 189 basis points. Mortgages with a Loan to Value ratio of 80% or below and repay interest only, are eligible for a discount of 134 basis points. Mortgages with a Loan to Value ratio of between 80 and 90% and repay principal & interest, are eligible for a discount of 124 basis points, and those who repay interest only, are eligible for a discount of 109 basis points.

2 Dream Value Home Loan Variable for amounts from $250,000 to $1,000,000.

3 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.

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

5 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.