GMCU is one of the Australian home-loan lenders we track daily. We currently surface 10 active products from GMCU, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are GMCU home loan rates?
GMCU home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.39% p.a. and the lowest fixed rate currently 6.19% p.a., last verified 21 Aug 2026. Compare GMCU against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest GMCU home loan rate?
The lowest GMCU variable home loan rate Ratesniffers tracks is 6.39% p.a., and the lowest fixed rate is 6.19% p.a. These figures come from the 7 GMCU products on this page that pass data-quality checks, ranked by comparison rate, last verified 21 Aug 2026.
How many home loan products does GMCU offer?
Ratesniffers currently tracks 10 GMCU home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 7 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
GMCU home loan repayment calculator
Pre-filled with GMCU's lowest advertised variable rate in the table above, 6.39% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
GMCU home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.39% p.a., and the lowest fixed rate is 6.19% p.a., last verified 21 Aug 2026. Compare GMCU against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a GMCU balance, use /calculators/extra-repayment.
What is the lowest GMCU home loan rate?
GMCU's lowest variable home loan rate is currently 6.39% p.a., and its lowest fixed rate is 6.19% p.a., based on the 7 GMCU products Ratesniffers ranks by comparison rate, last verified 21 Aug 2026. The advertised rate isn't always the rate GMCU approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 GMCU home loan?
At GMCU's lowest variable rate of 6.39% p.a., a $600,000 principal and interest loan over 30 years repays about $3,749 a month, and $500,000 about $3,124. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 GMCU home loan?
There is no single salary. Like every Australian lender, GMCU must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.39% p.a. is assessed at about 9.39% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does GMCU's home loan rate compare to the market?
GMCU's lowest variable home loan rate today is 6.39% p.a., which is 15 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking GMCU to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where GMCU sits right now rather than a fixed snapshot.
How many home loan products does GMCU offer?
Ratesniffers currently tracks 10 GMCU home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 7 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is GMCU competitive for refinancing?
It depends on your loan size and LVR. GMCU's lowest comparison rate is currently 6.35% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing GMCU against the sharpest available rate usually pays off.
How often are GMCU's home loan rates updated?
Ratesniffers last verified GMCU's home loan rates on 21 Aug 2026. Rates can change whenever GMCU reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
