Second hike in a month: Macquarie lifts fixed home loan rates
The major lender has jacked up fixed rates for owner-occupiers and investors for the secon...
05 Dec, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
4.79% p.a. | 5.62% p.a. | $2,620 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
4.89% p.a. | 5.61% p.a. | $2,651 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
4.94% p.a. | 5.21% p.a. | $2,666 | Principal & Interest | Fixed | $0 | $600 | 80% | |||||||||||||
4.99% p.a. | 5.81% p.a. | $2,079 | Interest-only | Fixed | $395 | $395 | 80% | |||||||||||||
4.99% p.a. | 5.82% p.a. | $2,681 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
4.99% p.a. | 5.25% p.a. | $2,681 | Principal & Interest | Fixed | $0 | $600 | 80% | |||||||||||||
5.09% p.a. | 5.70% p.a. | $2,712 | Principal & Interest | Fixed | $395 | $395 | 80% | |||||||||||||
5.09% p.a. | 5.80% p.a. | $2,712 | Principal & Interest | Fixed | $395 | $395 | 80% |
Important Information and Comparison Rate Warning
What you need to know about Illawarra Credit Union home loans
Illawarra Credit Union has been serving the Illawarra since 1972 and remains a member-owned division of Community First Bank. It operates a single flagship branch in Wollongong while giving members access to 12 Community First service stores and full app-, internet- and phone-banking support.
You might find Illawarra Credit Union a good fit if you:
- Prefer a local mutual with branch and digital options
Customers can handle everyday banking via the bank's app and internet banking, drop into the Wollongong branch, or any of the 12 Community First stores. - Want multiple home loan choices
The bank offers two variable rate home loans, one with a lower rate and no ongoing fees and another with up to 10 offset accounts, as well as fixed rate options. - Work in an eligible community profession and wish to avoid LMI
The credit union waives lenders mortgage insurance (LMI) on loans up to 90% LVR for approved nurses, teachers, police, doctors, accountants and similar roles. - Like the freedom to make extra repayments on a fixed term
Fixed-rate borrowers can make extra repayments without penalty, an uncommon perk among lenders. - Are eligible for the 5% Deposit Scheme
Illawarra CU is a participating lender in the Australian Government's 5% Deposit Scheme, letting eligible buyers avoid LMI with small deposits without paying for LMI. - Want fee-free cash access nationwide
Members can withdraw cash fee-free at any of the big-four bank ATMs, reducing reliance on the credit union's small branch network. - Value profits staying in the region
As a customer-owned mutual, Illawarra Credit Union reinvests surplus funds into better rates, lower fees, and local sponsorships rather than shareholder dividends.
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