Intelligent Mortgage 1 Year Fixed

Fixed Rate - Owner Occupied - Principle and Interest
Category: Home Loans  Last Updated October 1, 2026  Effective October 4, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
6.55% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.60%
  • Lending Rate Type: Variable
  • Interest Rate: 6.60%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Redraw
  • Unlimited Txns
  • Digital Banking
  • Npp Enabled
  • Npp Payid
  • Notifications
  • Extra Repayments Additional Information: Additional repayments allowed during the fixed term up to $10,000. Early payout incurs break costs.
  • Other Additional Information: Automatic repayments. Can be set up from salary, LCU account, or external account
  • Other Additional Information: Flexible repayments. Weekly, fortnightly or monthly
  • Other Additional Information: No ongoing fees. No annual, monthly or weekly fees.
  • Guarantor Additional Information: Family guarantee. Need help with your deposit? Talk to LCU about getting the bank of mum and dad to help out.
  • Other Additional Information: Interest calculated daily and applied monthly
  • Other Additional Information: Repayment type Principal and Interest

 Product Eligibility

  • Natural Person
  • Residency Status - At Least One Borrower Must Be An Australian Resident..
  • Min Age - 18.
  • Employment Status - Income Required To Service Loan. Applicant Must Meet Lcu Lending Criteria.
  • Other Additional Information: Security on Australian Residential Property (1st mortgage)
  • Other Additional Information: Minimum loan term is 1 year
  • Other Additional Information: Maximum loan term. Loan will be renegotiated at the end of the term - max 30 years
  • Other Additional Information: 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 run. "Own your Bank". $10 share is refunded if you choose to close your account.

 Bank Fees and Charges

  • Valuation Fee (Cash Advance), Amount: Not Listed..
  • Solicitors Fees (Cash Advance), Amount: Not Listed..
  • Registration Fees (Cash Advance), Amount: Not Listed..
  • Pexa Electronic Lodgement Fee (Cash Advance), Amount: Not Listed..
  • Contract Variation Fee (Event), Amount: Not Listed..
  • Mortgage Discharge Fee (Event), Amount: Not Listed..
  • Mortgage Discharge Solicitors Fee (Cash Advance), Amount: Not Listed..
  • Lenders Mortgage Insurance (Cash Advance), Amount: Not Listed..
  • Other Certificates And Reports (Cash Advance), Amount: Not Listed..
  • Land Title Search (Cash Advance), Amount: Not Listed..
  • Consent For A Second Mortgage (Cash Advance), Amount: Not Listed..
  • Loan Application Fee (Upfront), Amount: Not Listed..
  • Rtgs Transfer Fee (Transaction), Amount: Not Listed..

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00
  • Max Limit of 3000000.00
  • Max Lvr of 80.00 Additional Information: No LMI
  • Max Lvr of 95.00 Additional Information: With LMI