---
title: "REFI SPECIAL OWNER OCCUPIED — TMCU"
description: "Home Loans from TMCU. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/tmcu/products/L79_REFI_SPECIAL_OO
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-23T09:22:24.000+10:00
---

# REFI SPECIAL OWNER OCCUPIED — TMCU

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

**Home Loans · TRANSPORT MUTUAL CREDIT UNION LTD**

REFI SPECIAL OWNER OCCUPIED

## At a glance

- **From (owner occupied):** 5.89% (5.99% comparison)

## Apply

Applications are handled by the provider: [Apply at TMCU](https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 5.89% | 5.99% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| HOME_LOAN | Upfront | $395.00 |
| AGENT_SOLICITOR_COLLECTION_COSTS | Cash advance | 100% of transaction |
| ARREARS_FEE | Event | $10.00 |
| ARREARS_FEE-ARREARS_FEE_LETTER_2 | Event | $25.00 |
| DEFAULT_NOTICE | Transaction | $55.00 |
| DISCHARGE_FEE | Cash advance | 100% of transaction |
| LAND_TITLES_OFFICE_REGISTRATION_FEES | Cash advance | 100% of transaction |
| LEGAL_FEE_MORTGAGE_DOCUMENTS | Upfront | 100% of transaction |
| SETTLEMENT_AGENT_FEES | Cash advance | 100% of transaction |
| SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES | Cash advance | Variable |
| VALUATION_FEE | Cash advance | 100% of transaction |

## Features

- **Redraw facility**
- **Offset account**
- **Extra repayments**

## Eligibility

- **Individuals only**
- **Residency status** — Must be Australian Citizen or Permanent Resident

## Constraints

- **Minimum limit** — $10,000.00

## More information from TMCU

- [Overview](https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/)
- [Terms & conditions](https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/)
- [Eligibility](https://www.transportmutual.com.au/loans/special-offers/refi-home-loan-special-offer/)
- [Fees & pricing](https://www.transportmutual.com.au/support/rates-fees/fees-and-charges/)

## Data provenance

- Published by TMCU under the Consumer Data Right
- Product ID: `L79_REFI_SPECIAL_OO`
- Last updated by the provider: 22 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/tmcu/L79_REFI_SPECIAL_OO
- Provider page: https://www.cdrcompare.au/brands/tmcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000238

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/tmcu/products/L79_REFI_SPECIAL_OO) — 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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