GMCU Home Loan Rates & Review

GMCU Home Loans as of March 2026

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare
GMCU	GMCU Fixed Rate - 18 months - Special construction offer (2 years)	5.39% p.a.	5.80% p.a.	$2,805	Principal & Interest	Fixed	$8	$500	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Rate - 18 months - Special construction offer (INV) (2 years)	5.69% p.a.	6.01% p.a.	$2,899	Principal & Interest	Fixed	$8	$500	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Standard Variable Owner Occupied Loan	5.69% p.a.	5.85% p.a.	$2,899	Principal & Interest	Variable	$0	$140	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Rate Owner Occupied Loan (2 years)	5.89% p.a.	5.89% p.a.	$2,962	Principal & Interest	Fixed	$0	$0	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Standard Variable Investment Loan	5.89% p.a.	6.05% p.a.	$2,962	Principal & Interest	Variable	$0	$140	80%	Investor Variable Principal & Interest 20% Min Deposit Offset Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Rate Owner Occupied Loan (1 year)	6.09% p.a.	5.89% p.a.	$3,027	Principal & Interest	Fixed	$0	$0	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Rate Owner Occupied Loan (3 years)	6.09% p.a.	5.96% p.a.	$3,027	Principal & Interest	Fixed	$0	$0	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Investment Loan (2 years)	6.19% p.a.	5.91% p.a.	$3,059	Principal & Interest	Fixed	$8	$140	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Investment Loan (1 year)	6.39% p.a.	5.87% p.a.	$3,124	Principal & Interest	Fixed	$8	$140	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
GMCU	GMCU Fixed Investment Loan (3 years)	6.39% p.a.	6.01% p.a.	$3,124	Principal & Interest	Fixed	$8	$140	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare

More home loans

Bare Home Loan (Basic OO P&I <90%)

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw

Monthly repayments: $2,281

5.54% Advertised Rate (p.a.)

5.58% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*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.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

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.

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GMCU Home Loans