Labs Credit Union home loan rates
LABORATORIES CREDIT UNION LIMITED · ACL 240807 · Mutual/Credit union
Rates as at 2026-10-20. 23 rates across 14 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Simple Home Loan Owner Occupied Variable | 5.79% | 5.71% | Variable | Owner occupier | P&I | — |
| Simple Home Loan Investment Variable | 5.95% | 5.87% | Variable | Investment | P&I | — |
| First Home Buyer Loan Variable | 6.60% | 6.47% | Variable | Owner occupier | P&I | — |
| Intelligent Mortgage 1 Year Fixed | 6.60% | 6.61% | Variable | Owner occupier | P&I | — |
| Intelligent Mortgage 2 Years Fixed | 6.60% | 6.63% | Variable | Owner occupier | P&I | — |
| Intelligent Mortgage Variable | 6.60% | 6.62% | Variable | Owner occupier | P&I | — |
| Intelligent Mortgage Investment Loan 1 Year Fixed Rate | 6.75% | 6.76% | Variable | Investment | P&I | — |
| Intelligent Mortgage Investment Loan 2 Year Fixed | 6.75% | 6.78% | Variable | Investment | P&I | — |
| Property Investment Mortgage Interest Only 1 Year | 6.75% | 6.79% | Variable | Investment | P&I | — |
| Property Investment Mortgage Interest Only 2 years | 6.75% | 6.82% | Variable | Investment | P&I | — |
| Property Investment Mortgage Variable | 6.75% | 6.77% | Variable | Investment | P&I | — |
| Property Mortgage - Investment - Interest Only | 6.75% | 7.01% | Variable | Investment | P&I | — |
| Property Mortgage - Investment - Interest Only | 6.99% | — | Variable | Investment | Interest only | — |
| Bridging Loan Investment Variable | 7.49% | — | Variable | Investment | Interest only | — |
| Bridging Loan Investment Variable | 7.49% | 7.51% | Variable | Investment | P&I | — |
| Bridging Loan Owner Occupied Variable | 7.49% | — | Variable | Owner occupier | Interest only | — |
| Bridging Loan Owner Occupied Variable | 7.49% | 7.51% | Variable | Owner occupier | P&I | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Intelligent Mortgage 1 Year Fixed | 6.55% | — | Fixed | Owner occupier | P&I | 1 yr fixed |
| Intelligent Mortgage 2 Years Fixed | 6.65% | — | Fixed | Owner occupier | P&I | 2 yr fixed |
| Intelligent Mortgage Investment Loan 1 Year Fixed Rate | 6.70% | — | Fixed | Investment | P&I | 1 yr fixed |
| Intelligent Mortgage Investment Loan 2 Year Fixed | 6.80% | — | Fixed | Investment | P&I | 2 yr fixed |
| Property Investment Mortgage Interest Only 1 Year | 6.99% | — | Fixed | Investment | Interest only | 1 yr fixed |
| Property Investment Mortgage Interest Only 2 years | 6.99% | — | Fixed | Investment | Interest only | 2 yr fixed |
Conditions worth checking. No LMI | With LMI | Eligibility: Security on Australian Residential Property (1st mortgage) | Eligibility: Maximum borrowing capacity (LVR) is 80% of valuation, 70% for land or rural properties, with no LMI or 95% with LMI | Eligibility: Minimum loan term is 1 year | Eligibility: Maximum loan term. No LMI | With LMI | Eligibility: Security on Australian Residential Property (1st mortgage) | Eligibility: Maximum loan term is 30 years | Eligibility: Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are r No LMI | With LMI | Eligibility: Security on Australian Residential Property (1st mortgage) | Eligibility: Minimum loan term is 1 year | Eligibility: Maximum loan term. Loan will be renegotiated at the end of the term - max 30 years. | Eligibility: Must be a shareholder owning a $10 share. Each shar