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Style your home with up to $1000 in your pocket

Want to save money on your home loan? Northern Inland's Introductory Home Loan can do just that.

Take out our 3 year introductory variable rate along with a new house buildings & contents insurance policy through us and you will receive up to $1000 cash back.

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With more money in your pocket, create the style you want for your new home.

  • Enjoy a discounted rate for the first 3yrs of your new mortgage 1
  • Option to fix a maximum of 25% of the loan for 1-3 years 2
  • Offset account and free redraw (min $500)
  • Save with our Visa Classic Credit Card, with a reduced interest rate for the life of the home loan 3
  • Fee discounts on your linked savings account for the life of the loan 4

Introductory Home Loan rates

Variable Interest Rate

Comparison Rate*



Use our range of calculators to estimate your borrowing power and repayments.


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Important Information:

Credit criteria and fees and charges apply. Terms and Conditions are available on application. See here for full Terms of Cash Back offer. *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. Offer is for a limited time. Northern Inland reserves the right to withdraw, extend or vary this offer.
1. This rate applies to loans with 25 year terms for $150,000 for owner-occupied mortgages only. The Introductory Home Loan interest rate is for the first 3 years of the new mortgage and then the interest rate reverts to the Standard Variable Smart Home Loan interest rate unless another type of home loan facility offered by NICU is selected, and agreed to by the Borrower and NICU, which would be subject to the prevailing rate for that loan type at that time. For new business only.
2. Loan total can be split between variable and fixed with a maximum of 25% of the total loan amount able to be fixed only for a period of 1 to 3 years. Refer to our Interest Rate sheet for fixed interest rates.
3. Home Loan Rewards Visa Classic Credit Card discounted rate applied for the life of the Home Loan, or our Low Rate Visa Credit Card