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GMCU home loans

GMCU
GMCU's overall rating for home loans

(as rated by the Mozo community)

9.0 / 10

based on 4 reviews

GMCU home loans offer a range of packages for different needs. Check out our range of home loans for an overview of interest rates, fees and more. Or you can compare with our home loan comparison tools.

Rates and fees verified as correct at 05 June, 2020. Other information correct at the time of writing.

What home loans do GMCU offer?

Fixed Rate Home Loans Fixed Rate Home Loans

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

p.a.

n/a

$300

2.95% p.a.

4.55% p.a.

$300

3.54% p.a.

4.31% p.a.

$300


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Variable Rate Home Loans Variable Rate Home Loans

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.59% p.a.

4.71% p.a.

$8.00 monthly

$300

3.82% p.a.

3.94% p.a.

$8.00 monthly

$300

2.97% p.a.variable for 24 months and then 3.82% p.a.

3.79% p.a.

$8.00 monthly

$300

5.09% p.a.

5.11% p.a.

$300

4.55% p.a.

4.57% p.a.

$300


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*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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

How are GMCU home loans rated?

GMCU home loans

Overall 9.0

Price

Features

Customer service

Convenience

Trust

4 Reviews

Recent GMCU home loan reviews Recent GMCU home loan reviews

GMCU

GMCU Home Loan review

Overall rating   7 / 10

Personal and unbeatable customer service

I like this product because of the local connection. By borrowing from a locally owned business I am also supporting the local community. I also know that when I call them, I will get to talk to a real person. The loan features and pricing are...

Full review

I like this product because of the local connection. By borrowing from a locally owned business I am also supporting the local community. I also know that when I call them, I will get to talk to a real person. The loan features and pricing are not the best on the market, but the positives outweigh the negatives by far.

    Price   7 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   8 / 10

Less

Matt, Victoria, reviewed over 5 years ago

GMCU

GMCU Home Loan review

Overall rating   10 / 10

reliable

I have always used our local bank

Full review

I have always used our local bank

    Price   5 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Dave, Victoria, reviewed over 5 years ago

GMCU

GMCU Home Loan review

Overall rating   9 / 10

Customer service is 110 % lovely

The GMCU have been great to us. Their service and response have been outstanding, my husband lost his job and we spoke to them straight away and they were wonderful with the options that they gave us. I would recommend them to anyone as they are...

Full review

The GMCU have been great to us. Their service and response have been outstanding, my husband lost his job and we spoke to them straight away and they were wonderful with the options that they gave us. I would recommend them to anyone as they are great. They are willing to help in any way that they can they have a great team and are a pleasure to talk to. I give them 12 out of 10, they are just so nice.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kerrie, Victoria, reviewed over 6 years ago

GMCU

GMCU Home Loan review

Overall rating   10 / 10

Fantastic customer service

The credit Union is local, the staff are extremely friendly, polite and super efficient. The staff are local so know their customers personally so they understand their needs.

Full review

The credit Union is local, the staff are extremely friendly, polite and super efficient. The staff are local so know their customers personally so they understand their needs.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Shirley, New South Wales, reviewed over 7 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

What do you need to apply for a GMCU home loan? What do you need to apply for a GMCU home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)
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