---
title: "Dream Home Loan New Borrowing — Northern Inland Credit Union Limited"
description: "Home Loans from Northern Inland Credit Union Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33_NBO
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-19T11:40:15.000+10:00
---

# Dream Home Loan New Borrowing — Northern Inland Credit Union Limited

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

**Home Loans · NORTHERN INLAND CREDIT UNION LTD.**

A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available.

## At a glance

- **From (owner occupied):** 5.99% (6.33% comparison)

## Apply

Applications are handled by the provider: [Apply at Northern Inland Credit Union Limited](https://www.nicu.com.au/home-loans/home-loan-enquiry)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Comparison Rate is calculated on a loan amount of $300,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.) | 5.99% | 6.33% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ALTERNATE_SECURITY_MORTGAGE — Capped at $0.00 | Event | $300.00 |
| DISCHARGE_MORTGAGE — Capped at $0.00 | Event | $300.00 |
| FINAL_SEARCH — Capped at $0.00 | Cash advance | $0.00 |
| LATE_REPAYMENT_FEE — Capped at $0.00 | Event | $15.00 |
| MORTGAGE_CANCELLATION_FEE — Capped at $0.00 | Event | $150.00 |
| REGISTRATION_WITH_LRS — Capped at $0.00 | Cash advance | $0.00 |
| STAFF_TRANSFER — Capped at $0.00 | Event | $10.00 |
| MORTGAGE_VALUATION — Capped at $0.00 · Valuation fee is variable depending on the location, size and type of property. | Cash advance | $275.00 |
| PEXA_ELCTRONIC_SETTLEMENT_AGENCY — Capped at $0.00 · Fee is variable depending on number of titles and varies from state to state. | Cash advance | Variable |
| MORTGAGE_ANNUAL_FEE — Charged yearly · Capped at $0.00 | Ongoing | $350.00 |

## Features

- **For owner occupied and investment homes, 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** (No restriction on amount of additional repayments you make)
- **Redraw facility** (Free redraw on additional repayments made. Minimum $500)
- **Make weekly, fortnightly or monthly repayments**
- **Offset account** (100% Offset everyday transaction account available)
- **Digital banking** (Secure banking 24/7 from your computer or mobile with Online Banking)
- **Digital banking** (24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.)

## Eligibility

- **.**
- **Minimum age** — 18 years
- **Residency status** — AU
- **Individuals only** (Available for New Personal Borrowers only)
- **Required if LVR above 80%**

## Constraints

- **Minimum limit** — $500,000.00
- **Maximum limit** — $2,000,000.00
- **Maximum LVR** — 8000% (80% for new borrowing)
- **Maximum LVR** — 9500% (95% for a first home buyer under the Australian Govt 5% Deposit Scheme)
- **Maximum LVR** — 9800% (98% for a single parent or guardian under the Australian Govt 5% Deposit Scheme)

## More information from Northern Inland Credit Union Limited

- [Overview](https://www.nicu.com.au/home-loans/dream-home-loan)
- [Fees & pricing](https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx)

## Data provenance

- Published by Northern Inland Credit Union Limited under the Consumer Data Right
- Product ID: `NICUL33_NBO`
- Last updated by the provider: 19 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUL33_NBO
- Provider page: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000356

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33_NBO) — 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.

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