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TMCU home loan rates

12 home loan products and 19 published rates, checked 2 Nov, 12:05 am AEDT. TMCU last updated its data 11 Oct 2026.

Lowest TMCU rates

Loan type	Rate	Comparison*
Variable, owner-occupier, P&I REFI SPECIAL OWNER OCCUPIED (any LVR)	6.14%	6.24%
Variable, owner-occupier, interest only VARIABLE INTEREST ONLY (any LVR)	7.24%	7.32%
Variable, investor, P&I REFI SPECIAL INVESTMENT (any LVR)	6.49%	6.59%
Variable, investor, interest only VARIABLE INTEREST ONLY (any LVR)	7.24%	7.32%
1 year fixed, owner-occupier, P&I 1 YEAR FIXED RATE LOAN (any LVR)	6.24%	6.56%
2 year fixed, owner-occupier, P&I 2 FIXED RATE HOME LOAN (any LVR)	6.54%	6.60%

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Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All TMCU home loans

1 FIXED RATE HOME LOAN INVESTMENT · 2 rates · from 6.49%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, principal & interest	any LVR	7.19%	6.66%
Variable (rate after the fixed term)	Investor, principal & interest	any LVR	6.49%	–

1 FIXED RATE HOME LOAN INVESTMENT on TMCU’s site ↗

1 YEAR FIXED INTEREST ONLY · 2 rates · from 7.24%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier or investor, interest only	any LVR	7.49%	7.34%
Variable (rate after the fixed term)	Owner-occupier or investor, principal & interest	any LVR	7.24%	–

1 YEAR FIXED INTEREST ONLY on TMCU’s site ↗

1 YEAR FIXED RATE LOAN · 2 rates · from 6.14%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, principal & interest	any LVR	6.24%	6.56%
Variable (rate after the fixed term)	Owner-occupier, principal & interest	any LVR	6.14%	–

1 YEAR FIXED RATE LOAN on TMCU’s site ↗

2 FIXED RATE HOME LOAN · 2 rates · from 6.14%

Rate type	For	LVR	Rate	Comparison*
2 year fixed	Owner-occupier, principal & interest	any LVR	6.54%	6.60%
Variable (rate after the fixed term)	Owner-occupier, principal & interest	any LVR	6.14%	–

2 FIXED RATE HOME LOAN on TMCU’s site ↗

2 FIXED RATE HOME LOAN INVESTMENT · 2 rates · from 6.49%

Rate type	For	LVR	Rate	Comparison*
2 year fixed	Investor, principal & interest	any LVR	7.04%	6.70%
Variable (rate after the fixed term)	Investor, principal & interest	any LVR	6.49%	–

2 FIXED RATE HOME LOAN INVESTMENT on TMCU’s site ↗

2 YEAR FIXED INTEREST ONLY · 2 rates · from 7.24%

Rate type	For	LVR	Rate	Comparison*
2 year fixed	Owner-occupier or investor, interest only	any LVR	7.24%	7.32%
Variable (rate after the fixed term)	Owner-occupier or investor, principal & interest	any LVR	7.24%	–

2 YEAR FIXED INTEREST ONLY on TMCU’s site ↗

BASIC VARIABLE LOAN · 1 rate · from 6.49%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	any LVR	6.49%	6.59%

BASIC VARIABLE LOAN on TMCU’s site ↗

HOME EQUITY LOAN · 1 rate · from 7.74%Specialist loan

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier or investor, principal & interest	any LVR	7.74%	7.85%

HOME EQUITY LOAN on TMCU’s site ↗

REFI SPECIAL INVESTMENT · 1 rate · from 6.49%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, principal & interest	any LVR	6.49%	6.59%

REFI SPECIAL INVESTMENT on TMCU’s site ↗

REFI SPECIAL OWNER OCCUPIED · 1 rate · from 6.14%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	any LVR	6.14%	6.24%

REFI SPECIAL OWNER OCCUPIED on TMCU’s site ↗

STANDARD VARIABLE LOAN · 1 rate · from 6.74%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	any LVR	6.74%	6.84%

STANDARD VARIABLE LOAN on TMCU’s site ↗

VARIABLE INTEREST ONLY · 2 rates · from 7.24%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier or investor, interest only	any LVR	7.24%	7.32%
Variable	Owner-occupier or investor, principal & interest	any LVR	7.24%	–

VARIABLE INTEREST ONLY on TMCU’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.