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TMCU · Home loans
Basic Variable Loan
TMCU's Basic Variable Loan is a home loan. The figures are the ones TMCU publishes under the Consumer Data Right today. The advertised rate last moved on 11 October 2026, up from 6.24% to 6.49%.
Advertised rate
6.49%
headline tier
Comparison rate
6.59%
as published
Last moved
+0.25pp
11 October 2026
Advertised rate, last 30 days. Between 6.24% and 6.49% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.49% | 6.59% |
Rate moves, last 30 days
- 11 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 6.24% to 6.49%.
Published fees
| Fee | Amount |
|---|---|
| Home loanupfront | $395 |
| Legal fee mortgage documentsupfront | see lender |
| Valuation feeper cash advance | see lender |
| Discharge feeper cash advance | see lender |
| Arrears feewhen it happens | $10 |
| Arrears fee-arrears fee letter 2when it happens | $25 |
| Default noticeper transaction | $55 |
| Agent solicitor collection costsper cash advance | see lender |
| Solicitor fees for preparation of interstate mortgagesper cash advance | see lender |
| Settlement agent feesper cash advance | see lender |
| Land titles office registration feesper cash advance | see lender |
Other TMCU home loans
Refi Special Owner Occupied 6.14%1 Year Fixed Rate Loan 6.24%Refi Special Investment 6.49%2 Fixed Rate Home Loan 6.54%Standard Variable Loan 6.74%2 Fixed Rate Home Loan Investment 7.04%1 Fixed Rate Home Loan Investment 7.19%2 Year Fixed Interest Only 7.24%Variable Interest Only 7.24%1 Year Fixed Interest Only 7.49%Home Equity Loan 7.74%
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