Smart Home Loan Fixed 12M
Enjoy the security of a fixed rate for 1 year, 100% offset account, plus fee discounts on your everyday accounts for the life of the loan
- From
- 6.29%
- 7.48% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. | 6.29% | 7.48% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| ALTERNATE_SECURITY_MORTGAGE Capped at $0.00 | Event | $300.00 |
| DISCHARGE_MORTGAGE Capped at $0.00 | Event | $300.00 |
| EARLY_PAYOUT_FIXED_RATE Capped at $0.00 · Ending fixed interest rate loan prior to end of fixed period: see contract or Early Payout factsheet for calculation method | Event | $300.00 |
| FINAL_SEARCH Capped at $0.00 | Cash advance | $0.00 |
| LATE_REPAYMENT_FEE Capped at $0.00 | Event | $15.00 |
| LOAN_MONTHLY_FEE Charged monthly · Capped at $0.00 | Ongoing | $8.00 |
| MORTGAGE_CANCELLATION_FEE Capped at $0.00 | Event | $150.00 |
Features
- For owner occupied homes, refinancing your existing home loan, purchasing of vacant land (up to 200acres/80ha) and building a new home
- Discounts on other products — Classic Credit Card
- Optional Classic Credit Card with no annual card fee and a discounted rate for the life of the home loan
- Extra repayments
- Make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period
- Redraw facility
- Free redraw on additional repayments made. Minimum $500
- Make weekly, fortnightly or monthly repayments
- Offset account
- 100% Offset everyday transaction account available
- 1 to 5 year fixed loan terms available
Eligibility
- Credit approval required
- Minimum age — 18 years
- Residency status — AU
- Individuals onlyAvailable for personal borrowers only
- Required if LVR above 80%
Constraints
- Maximum limit — $2,000,000.00
- Minimum limit — $20,000.00
- Maximum LVR — 9800%98% for a single parent or guardian under the Australian Govt 5% Deposit Scheme
- Maximum LVR — 9500%95% for a first home buyer under the Australian Govt 5% Deposit Scheme
- Maximum LVR — 9000%90% for new borrowing
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 2 June 2026 · Product ID NICUL28F_12M · View on CDR.gov.au