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Internet Banking

Home Loans

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Introductory Home Loan 

Is it time to refinance? Lock in our discounted interest rate for 2 years. (For new money only)

  • For a limited time, LCU will pay for legal fees and valuation costs up to $500
  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

2.29% pa
fixed interest rate

3.20% pa
comparison rate1

 Apply Online EnquireCall 02 9859 0535

Savvy First Home Buyer Loan

This is a special loan designed for first home buyers which incorporates all the great features of our regular home loans and offers some extras to start you off.

  • Discount of 0.5%* from the standard variable loan rate for the first 3 years
  • LCU will pay for legal fees and valuation costs up to $1000
  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

3.07% pa
variable interest rate

3.50% pa
comparison rate1

Apply Online EnquireCall 02 9859 0535

Intelligent Mortgage 300 

Our discounted variable home loan rate when you borrow over $300,000

  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

3.33% pa
variable interest rate

3.39% pa
comparison rate1

Apply Online EnquireCall 02 9859 0535

Intelligent Mortgage Variable

Our standard variable home loan rate when you borrow under $300,000

  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

3.57% pa
variable interest rate

3.63% pa
comparison rate1

Apply Online EnquireCall 02 9859 0535

Intelligent Mortgage Fixed

Lock in a great interest rate for 1, 2 or 3 years for your home loan 

  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

from
2.79% pa
1 year fixed interest rate

3.56% pa
comparison rate1

Apply Online EnquireCall 02 9859 0535

Interest Only Home Loan

Allows you to make Interest Only payments on your home loan.
e.g. For those who have purchased land, and now wish to start building their new family home.

  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

3.99% pa
Fixed interest rate

3.66% pa
comparison rate1

Apply Online EnquireCall 02 9859 0535

Bridging Loan

1 year Interest Only loan to assist you while you purchase your new home if you haven't finalised the sale of your existing home.

  • 100% offset
  • No redraw fees
  • No ongoing fees

Find out more

4.54% pa
1 year fixed interest rate

5.16% pa
comparison rate1

 

Apply Online EnquireCall 02 9859 0535

Home Renovation Loan

Great for making those big purchases for your home or for renovations and upgrades for your home

  • No redraw fees
  • No ongoing fees
  • Early repayment options without penalty

Find out more

8.60% pa
variable interest rate

8.63% pa
comparison rate2

Apply Online EnquireCall 02 9859 0535

Lifestyle Account - Overdraft

Acts as a line of credit/overdraft secured by a mortgage and allows you total flexibility with your money

  • Convenient 24/7 Access
  • No transaction or account keeping fees

Find out more

4.42% pa
variable interest rate

Apply Online EnquireCall 02 9859 0535

Don't have enough deposit? Family banking can help!

Family Banking allows parents and grandparents to guarantee up to 20% of the home loan (through a first mortgage or term deposit)

  • No upfront deposit needed
  • Avoid paying lenders mortgage insurance premiums

Find out more

 EnquireCall 02 9859 0535
  Additional information

Rates are subject to change. Please refer to our rates and fees page.
1Comparison rate based on a secured loan of $150,000 over 25 years.
2Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years for an unsecured loan.
Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.
*The 0.5% discount rate for 3 years is against the standard variable mortgage rate(Intelligent Mortgage Variable)