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3.79% pa
1yr Fixed Rate
(LVR < 80% )

5.75% pa
Comparison Rate1

Enquire OnlineBook an Appointment

Our introductory home loan offers discounted fixed rates for the first 1, 2 or 3 years of your new mortgage. It provides peace of mind - knowing your repayments on your new home purchase or property refinance.

  • For borrowings $150,000 and over
  • Enjoy fee discounts on your linked savings account for the life of your loan3
  • Save with our Classic credit card, with a reduced interest rate for the life of your loan2

4.09% pa
1yr Fixed Rate
(LVR < 80% )

5.78% pa
Comparison Rate1

Enquire OnlineBook an Appointment

Our introductory home loan offers discounted fixed rates for the first 1, 2 or 3 years of your new mortgage. It provides peace of mind - knowing your repayments on your investment purchase or property refinance. 

  • For borrowings $150,000 and over
  • Enjoy fee discounts on your linked savings account for the life of your loan3
  • Save with our Classic credit card, with a reduced interest rate for the life of your loan2



  Owner-Occupied Product Features:
Introductory Home Loan (Fixed) - Owner Occupied
Interest Rates
Fixed interest rate3.79% pa
Comparison rate5.75% pa
Interest ChargesCalculated daily, charged monthly1
Owner Occupied
1 Year - Fixed Interest Rate3.79% pa
1 Year - Comparison Rate5.75% pa
2 Year - Fixed Interest Rate4.69% pa
2 Year - Comparison Rate5.74% pa
3 Year - Fixed Interest Rate5.09% pa
3 Year - Comparison Rate5.75% pa
Fees
Establishment fee$600 
Redraw fee$0 
Monthly fee$8 
Annual fee$0 
Fixed rate loan break feeYes 
Features
Loan periodUp to 30 years
Branch / Online AccessYes
Visa Classic Credit Card available with reduced rate for the life of the loanYes 2
Offset Account availableYes 3
Included in Member Loyalty Program for fee rebate purposesYes 4
Additional repayments acceptedYes 5
Additional repayments fee $$0 
Redraw facilityMinimum $500 per redraw 

  Investment Product Features:
Introductory Home Loan (Fixed) - Investment
Interest Rates
Fixed interest rate4.09% pa
Comparison rate5.78% pa
Interest ChargesCalculated daily, charged monthly1
Investment
1 Year - Fixed Interest Rate - Investment4.09% pa
1 Year - Comparison Rate - Investment5.78% pa
2 Year - Fixed Interest Rate - Investment4.99% pa
2 Year - Comparison Rate - Investment5.79% pa
3 Year - Fixed Interest Rate - Investment5.39% pa
3 Year - Comparison Rate - Investment 5.83% pa
Fees
Establishment fee$600 
Redraw fee$0 
Monthly fee$8 
Annual fee$0 
Fixed rate loan break feeYes 
Features
Loan periodUp to 30 years
Branch / Online AccessYes
Visa Classic Credit Card available with reduced rate for the life of the loanYes 2
Offset Account availableYes 3
Included in Member Loyalty Program for fee rebate purposesYes 4
Additional repayments acceptedYes 5
Additional repayments fee $$0 
Redraw facilityMinimum $500 per redraw 

 

  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. Northern Inland reserves the right to withdraw, extend or vary this offer.

^ The Introductory Fixed Home Loan is for the first 1-3 years of the new mortgage, and then reverts to a discounted variable interest rate, being the standard variable rate less 1.14%. Loan can not be rolled over to Dream Home Loan Package. For new business only.

1 This rate applies to loans with 25 year terms for $150,000 for owner occupied mortgages only.

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.

5 Make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period