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GMCU Home Loan Rates

Active products
10
Lowest variable
6.19%
Lowest fixed
6.39%
Lowest comparison
6.35%
Last updated
23 June 2026

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 is the lowest GMCU home loan rate?

The lowest GMCU variable home loan rate Ratesniffers tracks is 6.19% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 8 GMCU products on this page, ranked by comparison rate, last verified 23 June 2026.

How many home loan products does GMCU offer?

Ratesniffers currently tracks 8 GMCU home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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.

GMCU home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.19% p.a.6.35% p.a.95%
Fixed 2-year Owner-occupier P&I6.39% p.a.6.39% p.a.95%
Fixed 1-year Owner-occupier P&I6.49% p.a.6.38% p.a.95%
Variable Investor P&I6.39% p.a.6.55% p.a.95%
Fixed 3-year Owner-occupier P&I6.59% p.a.6.46% p.a.95%
Fixed 2-year Investor P&I6.69% p.a.6.61% p.a.95%
Fixed 1-year Investor P&I6.79% p.a.6.59% p.a.95%
Fixed 3-year Investor P&I6.89% p.a.6.69% p.a.95%

8 GMCU home loan products

GMCU logo
Standard Variable Plus
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Verify, 68d old
Comparison*
6.35%p.a.
Monthly repayment
$3,059
LVR ≤80%
More details
GMCU logo
Fixed Rate Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
35d ago
Comparison*
6.39%p.a.
Monthly repayment
$3,124
LVR ≤80%
More details

Negotiate GMCU rates with a broker

Advertised rates aren't always the rate GMCU actually approves. Our broker negotiates against your specific scenario, no fee.

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GMCU home loans: frequently asked questions

What is the lowest GMCU home loan rate?

GMCU's lowest variable home loan rate is currently 6.19% p.a., and its lowest fixed rate is 6.39% p.a., based on the 8 GMCU products Ratesniffers ranks by comparison rate, last verified 23 June 2026. The advertised rate isn't always the rate GMCU approves, a broker can often negotiate a sharper deal on your scenario.

How does GMCU's home loan rate compare to the market?

GMCU's lowest variable home loan rate today is 6.19% p.a., which is 10 basis points above the market median of 6.09% 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 8 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 23 June 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.

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