NICU home loan rates
NORTHERN INLAND CREDIT UNION LIMITED · ACL 235022 · Mutual/Credit union
Rates as at 2026-10-20. 13 rates across 13 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Value Home Loan - Investment | 5.94% | 5.98% | Variable | Investment | P&I | — |
| Value Home Loan - Owner Occupied | 5.94% | 5.98% | Variable | Owner occupier | P&I | — |
| Dream Home Loan New Borrowing | 6.24% | 6.58% | Variable | Owner occupier | P&I | — |
| Dream Home Loan New Borrowing INV | 6.24% | 6.58% | Variable | Investment | P&I | — |
| Dream Home Loan Variable PI (Investment) | 6.69% | 7.03% | Variable | Investment | P&I | — |
| Dream Home Loan Variable PI Owner Occupied | 6.69% | 7.03% | Variable | Owner occupier | P&I | — |
| Dream Home Loan Variable IO Investment | 7.19% | 7.52% | Variable | Investment | Interest only | — |
| Dream Home Loan Variable IO Owner Occupied | 7.19% | 7.52% | Variable | Owner occupier | Interest only | — |
| Smart Home Loan Variable | 7.69% | 7.86% | Variable | — | P&I | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Value Fixed Home Loan 12M | 5.99% | 5.87% | Fixed | — | P&I | 1 yr fixed |
| Smart Home Loan Fixed 12M | 6.29% | 7.48% | Fixed | — | P&I | 1 yr fixed |
| Smart Home Loan Fixed 24M | 6.39% | 7.39% | Fixed | — | P&I | 2 yr fixed |
| Smart Home Loan Fixed 36M | 6.59% | 7.35% | Fixed | — | P&I | 3 yr fixed |
Conditions worth checking. LVR 80% or Below | Eligibility: Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application. | Eligibility: Individuals must be citizens or permanent residents of Australia. | Eligibility: Available for personal borrowers only | Eligibility: Required 90% for new borrowing | 95% for a first home buyer under the Australian Govt 5% Deposit Scheme | 98% for a single parent or guardian under the Australian Govt 5% Deposit Scheme | Eligibility: Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application 80% for new borrowing | 95% for a first home buyer under the Australian Govt 5% Deposit Scheme | 98% for a single parent or guardian under the Australian Govt 5% Deposit Scheme | Eligibility: Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application