NORTHERN INLAND CREDIT UNION LTD.
Value Fixed Home Loan 12M
NORTHERN INLAND CREDIT UNION LTD. · residential mortgages
Provider last updated this product 2026-06-03.
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You'll complete your application on
NORTHERN INLAND CREDIT UNION LTD.'s website. Confirm the rate and fees with them
before applying.
Enjoy the security of a fixed rate for 1 year
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 5.99% | 5.87% | UNCONSTRAINED | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| ALTERNATE_SECURITY_MORTGAGE | EVENT | $300 | - |
| DISCHARGE_MORTGAGE | EVENT | $300 | - |
| EARLY_PAYOUT_FIXED_RATE | EVENT | $300 | Ending fixed interest rate loan prior to end of fixed period: see contract or Early Payout factsheet for calculation method |
| FINAL_SEARCH | CASH_ADVANCE | $0 | - |
| LATE_REPAYMENT_FEE | EVENT | $15 | - |
| LOAN_MONTHLY_FEE | PERIODIC | $8 | - |
| MORTGAGE_CANCELLATION_FEE | EVENT | $150 | - |
| RATE_LOCK | EVENT | $750 | From $750 |
| REGISTRATION_WITH_LRS | CASH_ADVANCE | $0 | - |
| STAFF_TRANSFER | EVENT | $10 | - |
| PEXA_ELCTRONIC_SETTLEMENT_AGENCY | CASH_ADVANCE | - | Fee is variable depending on number of titles and varies from state to state. |
| MORTGAGE_VALUATION | CASH_ADVANCE | $275 | Valuation fee is variable depending on the location, size and type of property. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 5.99% | 5.87% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- For owner occupied homes, refinancing your existing home loan, purchasing of vacant land (up to 200acres/80ha) and building a new home
- Make weekly, fortnightly or monthly repayments
- 1 fixed loan term
Who can apply
- otherCredit approval required
- min age - 18
- residency status - AU
- natural personAvailable for personal borrowers only
- otherRequired if LVR above 80%
Limits
- min limit - 500000.00
- max limit - 2000000.00
- max lvr - 80.0080% for new borrowing
- max lvr - 95.0095% for a first home buyer under the Australian Govt 5% Deposit Scheme
- max lvr - 98.0098% for a single parent or guardian under the Australian Govt 5% Deposit Scheme
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-06-03T10:19:14.000+10:00 · Product ID: NICUL5F_12M