---
title: "Amlak Premium Package (No Offset) — MCCA"
description: "Home Loans from MCCA. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mcca/products/amlak-premium-package-no-offset
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T23:27:39.228099Z
---

# Amlak Premium Package (No Offset) — MCCA

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

**Home Loans**

MCCA's Amlak Variable Package Finance Facility is a no-frills facility with a variable rental facility fee, offering flexibility to suit your needs. Borrow up to $2,000,000 (up to 90% LVR), choose principal and profit or profit‑only repayments. The discounted investment rental facility fee is available to customers who have a settled or new owner‑occupied application with MCCA, while the discounted owner‑occupied rental facility fee is available to customers who have a settled or new investment application with MCCA.

## At a glance

- **From (owner occupied):** 6.14% (6.24% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The Owner-Occupied Bundle Rental Facility Fee is available to customers who are applying for an owner-occupied home facility and either already have an investment facility with MCCA or are taking out a new investment facility with MCCA.) | 6.14% | 6.24% | Loan-to-Value Ratio (LVR) ≤80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The Owner-Occupied Bundle Rental Facility Fee is available to customers who are applying for an owner-occupied home facility and either already have an investment facility with MCCA or are taking out a new investment facility with MCCA.) | 6.24% | 6.34% | Loan-to-Value Ratio (LVR) ≤80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — A one time fee charged at the time of application, comprising of a $755 application fee, and a $210 processing fee. | Upfront | $965.00 |
| Valuation Fee — A variable fee charged at cost to assess the value of the property used as security for the finance facility, starting from a minimum amount. | Event | From $221.00 |
| Discharge Administration Fee — A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |
| Discharge Documentation Fee — A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |

## Features

- **Extra repayments** (Allows borrowers to make additional repayments on the facility to reduce rent and pay off the facility faster.)
- **Redraw facility** (Enables access to any extra repayments made, allowing funds to be withdrawn if needed.)

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this finance facility.)
- **Residency status** — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
- **The Investment Bundle Rental Facility Fee is available to customers who are applying for an investment home facility and either already have an owner-occupied facility with MCCA or are taking out a new owner-occupied facility with MCCA.**
- **The Owner-Occupied Bundle Rental Facility Fee is available to customers who are applying for an owner-occupied home facility and either already have an investment facility with MCCA or are taking out a new investment facility with MCCA.**

## Constraints

- **The term of the finance facility cannot exceed 30 years. ** — P30Y
- **The term of the finance facility must be a minimum of 15 years. ** — P15Y
- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **Maximum limit** — $3,000,000.00 (The maximum application amount available under this product is $3,000,000.)

## Data provenance

- Published by MCCA under the Consumer Data Right
- Product ID: `amlak-premium-package-no-offset`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mcca/amlak-premium-package-no-offset
- Provider page: https://www.cdrcompare.au/brands/mcca

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mcca/products/amlak-premium-package-no-offset) — 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)