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Fixed Rate Home Loan
GMCU's Fixed Rate Home Loan is a home loan. The figures are the ones GMCU publishes under the Consumer Data Right today. The advertised rate last moved on 22 August 2026, down from 6.39% to 6.19%.
Advertised rate
6.19%
headline tier
Comparison rate
6.27%
as published
Last moved
-0.20pp
22 August 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (9)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 2 years, Owner occupier, P&I, LVR up to 60%24M <60% LVR | 6.19% | 6.27% |
| Fixed 2 years, Owner occupier, P&I, LVR 60 to 80%24M 60% - 80% LVR | 6.19% | 6.35% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%24M 80% - 95% LVR | 6.19% | 6.67% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 60%12M <60% LVR | 6.24% | 6.26% |
| Fixed 1 year, Owner occupier, P&I, LVR 60 to 80%12M 60% - 80% LVR | 6.24% | 6.35% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%12M 80% - 95% LVR | 6.24% | 6.71% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 60%36M <60% LVR | 6.59% | 6.39% |
| Fixed 3 years, Owner occupier, P&I, LVR 60 to 80%36M 60% - 80% LVR | 6.59% | 6.46% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%36M 80% - 95% LVR | 6.59% | 6.46% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Gmcu title search feewhen it happens | $25.30 |
| Goods security agreement preparation feewhen it happens: charged if a Goods Security Agreement is required as security (e.g. | $30 |
| Loan contract variation feewhen it happens: For Each Variation | $300 |
| Loan default feewhen it happens | $10 |
| Loan default fee- second reminder letterwhen it happens | $15 |
| Loan default fee- final noticewhen it happens | $25 |
| Mortgage preparation feeper cash advance: Mortgage documents prepared by solicitor payable by member at cost | $0 |
| Registration of mortgage feeper cash advance: Registration of mortgage payable by member at cost | $0 |
| Valuation feeper cash advance: Valuation fee payable by member at cost | $0 |
| Loan establishment feeupfront | $500 |
| Discharge of mortgage feewhen it happens: For preparation of discharge documentation on your written request. | $350 |
| Loan redraw feeper transaction | $50 |
Other GMCU home loans
Standard Variable Plus 6.09%Standard Variable Plus Investment 6.29%Fixed Rate Home Loan - Investment 6.34%Fixed Rate 18 months - Special construction offer 6.39%Fixed Rate Investment 18 months - Special construction offer 6.69%
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