LCU Intelligent Mortgage 300 (Principal and Interest) | Review & Compare Home Loans

Intelligent Mortgage 300

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Interest Rate

3.43

% p.a

Variable

Comparison Rate*

3.49

% p.a

Maximum LVR

80%

Real Time Rating™

Monthly Repayment

$1,491

based on $300,000 loan amount for 25 years at 3.43%

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Summary
Features & fees
Similar Products
Latest News

Interest Rate

3.43

% p.a

Variable

Comparison Rate*

3.49

% p.a

Maximum LVR

80%

Real Time Rating™

Monthly Repayment

$1,491

based on $300,000 loan amount for 25 years at 3.43%

Calculate your repayments for this loan

Your estimated repayment

$1,491

based on $300,000 loan amount for 25 years at 3.43%

Based on your details, you can compare and save on the following home loans

TMD

Monthly Repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.56

% p.a

special

Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.

Real Time Rating™

More Features

Monthly Repayment

$1,423

based on $300,000 loan amount for 25 years at 3%

Interest Rate

2.60

% p.a

Intro 24 months

Comparison Rate*

2.96

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,398

based on $300,000 loan amount for 25 years at 2.84%

Interest Rate

2.84

% p.a

Variable

Comparison Rate*

2.85

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Quick home loan review

For Intelligent Mortgage 300 (Principal and Interest) (New Customer)

These are the benefits of this home loan.

Interest rates ranked in the best 20%
No ongoing fees
100% full offset account
Extra repayments and redraw facility
Free redraw facility

These are the drawbacks of this home loan.

Higher than average upfront fee
No repayment holidays

Home loan overview

For Intelligent Mortgage 300 (Principal and Interest) (New Customer)

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 80%	Total Repayments $447,300 View repayment schedule »
Next LVR	Interest rate type Variable
Borrowing range $300k - $100m Calculate how much you can borrow	Suitable for Owner Occupiers
Loan term range 0 - 30 years	Principal & interest
Interest only	Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make repayments Fortnightly, Monthly, Weekly

Features

Extra repayments Unlimited extra repayments	Offset account 100% offset account
Redraw facility Redraw fee: $0	Split interest facility
Loan portable	Repayment holiday available
Allow guarantors	Available for first home buyers

Fees

Total estimated upfront fees 1,564	Application fee 904
Legal fee $310	Valuation fee $350
Settlement fee 0	Other upfront fee 0
Ongoing fee $0	Discharge fee 0

Application method

Online Compare	Phone
Broker	In branch

Available

Not available

Data not captured

Target Market Determination

Visit Laboratories Credit Union to view Target Market Determination.

Checkout more home loans

Interest Rate

2.74

% p.a

Variable

Comparison Rate*

2.74

% p.a

Interest rates ranked in the best 20%
No upfront or ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

Interest Rate

2.63

% p.a

Variable

Comparison Rate*

3.05

% p.a

Interest rates ranked in the best 20%
No ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

Interest Rate

3.74

% p.a

Variable

Comparison Rate*

3.78

% p.a

Cashback

$2,000 cashback when you refinance a loan of $250,000 or more

Real Time Rating™

Interest Rate

2.44

% p.a

Variable

Comparison Rate*

2.49

% p.a

Interest rates ranked in the best 20%
No ongoing fees
100% full offset account
Extra repayments and redraw facility

Real Time Rating™

Product data updated on 28 Jun 2022

FAQs

The range you can borrow from this loan is $300k to $99,999,999.

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

Laboratories Credit Union allows you to have this loan for a range of 0 to 30 years.

Laboratories Credit Union allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $1,564 worth of upfront fees.

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Laboratories Credit Union makes it possible to apply for this product online. Apply here.

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