---
title: "GOVT LOW DEP 1YR FIXED OOC PI — The Mac"
description: "Home Loans from The Mac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-mac/products/L88_GOVTLOWDEP1YRFIXEDOOCPI
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T16:36:49.000+10:00
---

# GOVT LOW DEP 1YR FIXED OOC PI — The Mac

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

**Home Loans · MACARTHUR CREDIT UNION LTD**

GOVT LOW DEP 1YR FIXED OOC PI

## At a glance

- **From (owner occupied):** 6.49% (6.04% comparison)

## Apply

Applications are handled by the provider: [Apply at The Mac](https://forms.unpz.au/form?id=f55b07eacc715dc0c69222d5acab5603:40da5165-abb0-48ec-8295-959438b34c58)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 6.49% | 6.04% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| APPLICATION_FEE | Upfront | $400.00 |
| APPLICATION_FEE_TOP_UP | Upfront | $300.00 |
| COLLECTION_FEE — At cost fee | Cash advance | Variable |
| DEFAULT_NOTICES | Upfront | $55.00 |
| GENERAL_CONSENT_FEE | Upfront | $150.00 |
| LEGAL_FEE — At cost | Cash advance | Variable |
| MORTGAGE_DISCHARGE_FEE | Upfront | $200.00 |
| PPSR_REGISTRATION_FEE | Upfront | $15.00 |
| PPSR_VARIATION_FEE | Upfront | $10.00 |
| PRODUCTION_OF_TITLE_DEED_FEE | Upfront | $150.00 |
| SWITCHING_FEE | Upfront | $50.00 |
| VALUATION_FEE — Valuation charged at cost | Cash advance | Variable |

## Features

- **Redraw facility** (Minimum Free)
- **Digital banking** (Online Banking The Mac App)
- **PayID**
- **Real-time payments (NPP)** (Unlimited)
- **Free transactions** (Fee free transaction accounts)
- **Extra repayments** (Unlimited)

## Eligibility

- **Individuals only**
- **Minimum age** — 18 years
- **Maximum term**

## Constraints

- **Minimum balance** — $25,000.00

## More information from The Mac

- [Overview](https://themaccu.com.au/home-loans/first-home-buyers/australian-government-5-deposit-scheme/)
- [Terms & conditions](https://themaccu.com.au/about-us/corporate-information/the-fine-print/)
- [Eligibility](https://themaccu.com.au/about-us/corporate-information/the-fine-print/)
- [Fees & pricing](https://themaccu.com.au/support/rates-fees/)

## Data provenance

- Published by The Mac under the Consumer Data Right
- Product ID: `L88_GOVTLOWDEP1YRFIXEDOOCPI`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-mac/L88_GOVTLOWDEP1YRFIXEDOOCPI
- Provider page: https://www.cdrcompare.au/brands/the-mac
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000194

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-mac/products/L88_GOVTLOWDEP1YRFIXEDOOCPI) — 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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