Central West Credit Union home loan rates
CENTRAL WEST CREDIT UNION LIMITED · ACL 245415 · Mutual/Credit union
Rates as at 2026-10-20. 14 rates across 10 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Premium Smart Home Loan | 6.19% | 6.25% | Variable | Owner occupier | P&I | — |
| Minimiser Home Loan | 6.89% | 6.95% | Variable | Owner occupier | P&I | — |
| Mortgage Smart Home Loan - Interest Only | 7.15% | — | Variable | Owner occupier | Interest only | — |
| Smart Fixed Rate Home Loan 1 year | 7.15% | — | Variable | Owner occupier | P&I | — |
| Smart Fixed Rate Home Loan 2 year | 7.15% | — | Variable | Owner occupier | P&I | — |
| Smart Home Loan | 7.15% | 7.21% | Variable | Owner occupier | P&I | — |
| Smart Fixed Rate Investment Home Loan 1 Year | 7.46% | — | Variable | Investment | P&I | — |
| Smart Fixed Rate Investment Home Loan 2 Years | 7.46% | — | Variable | Investment | P&I | — |
| Smart Investment Home Loan | 7.46% | 7.52% | Variable | Investment | P&I | — |
| Mortgage Equity Loan | 7.60% | 9.02% | Variable | Investment | Interest only | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Smart Fixed Rate Home Loan 1 year | 6.59% | 7.18% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Smart Fixed Rate Home Loan 2 year | 6.59% | 7.14% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Smart Fixed Rate Investment Home Loan 1 Year | 6.69% | 7.44% | Fixed | Investment | P&I | 1 yr fixed |
| Smart Fixed Rate Investment Home Loan 2 Years | 6.69% | 7.36% | Fixed | Investment | P&I | 2 yr fixed |
Conditions worth checking. Maximum LVR 80% without Lenders Mortgage Insurance | Owner Occupied only | Eligibility: Maximum LVR 95% subject to Lenders Mortgage Insurance approval Maximum LVR 80% without Lenders Mortgage Insurance | For Investment purposes only | Eligibility: Maximum LVR of 85% subject to Lenders Mortgage Insurance approval Maximum LVR 70% without Lenders Mortgage Insurance | Eligibility: Max LVR 80%