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Intelligent Mortgage
Fixed

Apply online

Intelligent
Mortgage Fixed

1 Year Fixed

5.30
%
fixed
interest
rate1
PA
5.59
%
comparison
rate2
PA

2 Year Fixed

5.30
%
fixed
interest
rate1
PA
5.56
%
comparison
rate2
PA

Lock in one of our competitive interest rates for 1 or 2 years. This option gives you security knowing the rates won’t change during the locked period.

No redraw fees

No ongoing fees

Principal and Interest repayments

Automatic repayment from salary

 

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Key Feature

Interest Rates
Compare home loan rates
1 Year fixed interest rate
5.30%p.a.
1 Year fixed comparison rate
5.59%p.a.
2 Year fixed interest rate
5.30%p.a.
2 Year fixed comparison rate
5.56%p.a.
Fee
Annual Fee
0
Monthly Fee
0
Redraw Fee
0
Application Fee
200
Features
Automatic Deposits (salary / account)
Yes
Minimum Amount
50,000
Maximum borrowing capacity (LVR)
80%
Maximum Term in Years
30
Redraw Facility
Yes
Repayments
Weekly, fortnightly or monthly
Additional Repayments
Up to 10,000

Calculator

What do I need to apply?

Here's a list of everything that you'll need to apply for a home loan with us.

Home loan checklist

Latest 3 months of statements (all pages) for all credit/store cards showing the credit limit

Latest 3 months statements (all pages) of all bank accounts

Latest 3 months statements (all pages) of any “buy now/pay later” accounts (if applicable)

A recent copy of rental lease or if boarding, a letter from the owner

Council Rates notice for all properties owned

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How do I apply?

Applying is simple! At LCU you have the flexibility to apply whenever and wherever you want to.

Apply for a Home Loan Apply online now
Get in touch with our team Call us
Email your enquiry to our team Email us
Visit us at our branch Our location

Key Facts Sheets

To generate a Key Facts Sheet for our home loans, please click the button below.

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Take a look at our Home Loans

At LCU, we have a wide range of home loans which have been tailored to suit your needs. For full details on our various home loans and rates,

Compare rates
Ready to get started?

When you’re ready to apply, you can book an appointment online or request a call from a LCU home lending specialist who will help you with your application.

Book appointment
Things you should know

1 Rates are subject to change. Please refer to our rates and fees page. Credit eligibility criteria, terms & conditions, fees & charges apply. Fixed rate is available for 1 or 2 years. At the end of the fixed period, loans will revert to the Investment Mortgage Variable rate.

2 Comparison rate based on a loan of $150,000 over 25 years.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.