---
title: "Value Fixed Home Loan 12M — 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/NICUL5F_12M
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-03T10:19:14.000+10:00
---

# Value Fixed Home Loan 12M — 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.**

Enjoy the security of a fixed rate for 1 year

## At a glance

- **From:** 5.99% (5.87% 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 |
| --- | --- | --- | --- |
| 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.) | 5.99% | 5.87% | — |

## 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 |
| RATE_LOCK — Capped at $0.00 · From $750 | Event | $750.00 |
| REGISTRATION_WITH_LRS — Capped at $0.00 | Cash advance | $0.00 |
| STAFF_TRANSFER — Capped at $0.00 | Event | $10.00 |
| 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_VALUATION — Capped at $0.00 · Valuation fee is variable depending on the location, size and type of property. | Cash advance | $275.00 |

## 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**
- **1 fixed loan term**
- **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

- **Credit approval required**
- **Minimum age** — 18 years
- **Residency status** — AU
- **Individuals only** (Available for 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/value-home-loan-1-year-fixed-special-offer)
- [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: `NICUL5F_12M`
- Last updated by the provider: 3 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUL5F_12M
- 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/NICUL5F_12M) — 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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