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Northern Inland Credit Union · Home loans
Smart Home Loan Variable
Northern Inland Credit Union's Smart Home Loan Variable is a home loan. The figures are the ones Northern Inland Credit Union publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 7.44% to 7.69%.
Advertised rate
7.69%
headline tier
Comparison rate
7.86%
as published
Last moved
+0.25pp
8 October 2026
Advertised rate, last 30 days. Between 7.44% and 7.69% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, P&I, $150,000 and over | 7.69% | 7.86% |
Rate moves, last 30 days
- 8 October 2026: Variable, P&I, $150,000 and over lifted 0.25pp, from 7.44% to 7.69%.
Published fees
| Fee | Amount |
|---|---|
| Alternate security mortgagewhen it happens | $300 |
| Discharge mortgagewhen it happens | $300 |
| Final searchper cash advance | $0 |
| Late repayment feewhen it happens | $15 |
| Mortgage cancellation feewhen it happens | $150 |
| Mortgage establishment feeupfront | $600 |
| Registration with lrsper cash advance | $0 |
| Staff transferwhen it happens | $10 |
| Loan monthly feerecurring | $8 |
| Pexa elctronic settlement agencyper cash advance: Fee is variable depending on number of titles and varies from state to state. | see lender |
| Mortgage valuationper cash advance: Valuation fee is variable depending on the location, size and type of property. | $275 |
| Mortgage document fee - (new securities only)when it happens | $440 |
Other Northern Inland Credit Union home loans
Value Home Loan - Investment 5.94%Value Home Loan - Owner Occupied 5.94%Value Fixed Home Loan 12M 5.99%Dream Home Loan New Borrowing 6.24%Dream Home Loan New Borrowing INV 6.24%Smart Home Loan Fixed 12M 6.29%Smart Home Loan Fixed 24M 6.39%Smart Home Loan Fixed 36M 6.59%Dream Home Loan Variable PI (Investment) 6.69%Dream Home Loan Variable PI Owner Occupied 6.69%Dream Home Loan Variable IO Investment 7.19%Dream Home Loan Variable IO Owner Occupied 7.19%
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