---
title: "Bridging Loan Owner Occupied Variable — Laboratories Credit Union"
description: "Home Loans from Laboratories Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/laboratories-credit-union/products/Bridging_Loan_Variable
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-16T15:23:02.000+10:00
---

# Bridging Loan Owner Occupied Variable — Laboratories Credit Union

> Home Loans from Laboratories Credit Union. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · LCU**

Variable - Owner Occupied - Interest Only - 12 Months Max

## At a glance

- **From (owner occupied):** 7.49% (7.51% comparison)

## Apply

Applications are handled by the provider: [Apply at Laboratories Credit Union](https://lending.lcu.com.au/loans)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.49% | 7.51% | — |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.49% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| VALUATION_FEE | Cash advance | Variable |
| SOLICITORS_FEES | Cash advance | Variable |
| REGISTRATION_FEES | Cash advance | Variable |
| PEXA_ELECTRONIC_LODGEMENT_FEE | Cash advance | Variable |
| CONTRACT_VARIATION_FEE | Event | $200.00 |
| MORTGAGE_DISCHARGE_FEE | Event | $200.00 |
| MORTGAGE_DISCHARGE_SOLICITORS_FEE | Cash advance | Variable |
| LENDERS_MORTGAGE_INSURANCE | Cash advance | Variable |
| OTHER_CERTIFICATES_AND_REPORTS | Cash advance | Variable |
| LAND_TITLE_SEARCH | Cash advance | Variable |
| CONSENT_FOR_A_SECOND_MORTGAGE | Cash advance | Variable |
| LOAN_APPLICATION_FEE | Upfront | $200.00 |
| RTGS_TRANSFER_FEE | Transaction | $15.00 |

## Features

- **Unlimited transactions**
- **Digital banking**
- **Real-time payments (NPP)**
- **PayID**
- **Notifications** — SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more	
- **Automatic Repayments can be set up from salary, LCU account, or external account 	**
- **Extra repayments** (Additional repayments. Unlimited attitional repayments without penalty)
- **No ongoing Fees. No annual, monthly or weekly fees	**
- **Interest calculated daily and applied monthly**
- **Repayment type Interest Only**
- **Redraw facility** (The minimum redraw amount is $500)

## Eligibility

- **Individuals only**
- **Residency status** — At least one borrower must be an Australia resident
- **Minimum age** — 18 years
- **Employment status** — Income required to service loan. Applicant must meet LCU lending criteria
- **Security on Australian Residential Property (1st mortgage) 	**
- **Maximum loan term is 1 year**
- **Must be a shareholder owning a $10 share.  Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you choose to close your account. 	**

## Constraints

- **Minimum limit** — $50,000.00
- **Maximum limit** — $3,000,000.00
- **Maximum LVR** — 8000% (No LMI)
- **Maximum LVR** — 9500% (With LMI)

## More information from Laboratories Credit Union

- [Overview](https://lcu.com.au/product/bridging-loan/)
- [Terms & conditions](https://lcu.com.au/disclosure-documents)
- [Fees & pricing](https://lcu.com.au/disclosure-documents)

## Data provenance

- Published by Laboratories Credit Union under the Consumer Data Right
- Product ID: `Bridging_Loan_Variable`
- Last updated by the provider: 16 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/laboratories-credit-union/Bridging_Loan_Variable
- Provider page: https://www.cdrcompare.au/brands/laboratories-credit-union
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000180

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/laboratories-credit-union/products/Bridging_Loan_Variable) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)