Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

The Goulburn Murray Credit Union (GMCU) is founded in 1955 and owned by more than 20,000 people in its local communities. Its values are built around the principles of cooperation, integrity, trust, and financial prudence.

Each year, the credit union puts thousands of dollars back into the local communities, in the form of road safety, sponsorship and donations to schools; sporting clubs; emergency service groups; service clubs; volunteer organisations and the like.

GMCU has 10 branches in central Victoria: Violet Town, Seymour, Numurkah, Mooroopna, Kyabram, Kilmore, Euroa, Echuca, Benalla, and Shepparton. Customers can either contact one of these local branches or fill out an online form on the credit union's website to talk to a lending expert.

GMCU offers a wide range of financial products and services, including bank accounts, home loans, personal loans, business loans, term deposits, debit cards and insurance.

GMCU prefers loan applications to be completed via an interview with a loans officer. Under normal circumstances, approval may be given within 24 hours, and sometimes within a few hours.