[Skip to the content](#main) [RateGap](/)every home loan rate lenders publish, compared # Northern Inland Credit Union Limited home loan rates Have a loan with Northern Inland Credit Union Limited? Compare your rate Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Compare my rate 13 advertised rates across 13 products, published by Northern Inland Credit Union Limited under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed. ## Where it sits Every home loan Northern Inland Credit Union Limited advertises for a home you live in and pay down is for a particular group only, and who each one is for is listed below. So there is no rate here that anyone could take, and nothing to read against the going rate. ## Restricted to particular groups | Product | Who it is for | Rate | | --- | --- | --- | | Value Home Loan - Investment | a particular group only, per its published conditions | 5.94% | | Value Home Loan - Owner Occupied | a particular group only, per its published conditions | 5.94% | | Value Fixed Home Loan 12M | a particular group only, per its published conditions | 5.99% | | Dream Home Loan New Borrowing INV | a particular group only, per its published conditions | 6.24% | | Dream Home Loan New Borrowing | a particular group only, per its published conditions | 6.24% | | Smart Home Loan Fixed 12M | a particular group only, per its published conditions | 6.29% | | Smart Home Loan Fixed 24M | a particular group only, per its published conditions | 6.39% | | Smart Home Loan Fixed 36M | a particular group only, per its published conditions | 6.59% | | Dream Home Loan Variable PI Owner Occupied | a particular group only, per its published conditions | 6.69% | | Dream Home Loan Variable PI (Investment) | a particular group only, per its published conditions | 6.69% | | Dream Home Loan Variable IO Owner Occupied | a particular group only, per its published conditions | 7.19% | | Dream Home Loan Variable IO Investment | a particular group only, per its published conditions | 7.19% | The data says a product *is* restricted. It never says whether you would get it. On [the comparison](/) every one of these can be put back with a click, and every figure is worked out again. ## What changed Northern Inland Credit Union Limited last moved a rate on **Wednesday 7 October**. Every rate is read each morning and has come back the same since. [Every lender that publishes rates](/lenders), and [every rate move since capture began](/data/history). **Does this look wrong? or could it be better** Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Northern Inland Credit Union Limited told you, it is usually one of these. ### The published data is wrong Northern Inland Credit Union Limited publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list. Everything identifying the feed is filled in below. The one part left is what you saw. ``` Consumer Data Right — Product Reference Data quality Data holder brand: Northern Inland Credit Union Limited ABN: 36087650422 Product Reference Data endpoint: https://secure.nicu.com.au/OpenBanking Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 13 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent. ``` Copy the report [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report) The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy. ### This page reads it wrongly The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. [Tell me and I will fix it](/#fb), and say which lender so I can find the row. ### Something is missing A figure this page should show and does not, or a lender that should be here and is not. [Tell me through the feedback box](/#fb). The data behind every page here is [free to download](/data) if you would rather check it yourself first. The other questions - [Are you paying more than you need to?](/) your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off) term, extra repayments, interest only- [Don't have a loan yet?](/buying) what to look at before you pick one- [What does each lender advertise?](/lenders) every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week) which lenders changed an advertised rate- [Where do these numbers come from?](/data) every published rate, and how fresh it is **Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. [Who made this](/about). [What this site collects](/privacy). **More from the data** Building something with this? There is [an API](/api), and [the data is free](/data). This morning: [the market](/market), [variable rates](/market/variable-rates), [fixed rates](/market/fixed-rates) and [what moved this week](/market/changes-this-week). Found in the data: [what lenders charge above 80%](/research/lvr-bands), [the rate a fixed loan rolls onto](/research/revert-rates) and [what a comparison rate adds](/research/comparison-rates). Also [what an offset costs](/research/offset-accounts), and [what investors pay on top](/research/investor-premium).