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  Rate includes a discount margin off the applicable Reference Rate. This rate is available for new loans and loan increases where the applicable product minimum loan amount is met, and is subject to the relevant product, purpose and LVR. Offers may be withdrawn at any time.

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  Comparison rate calculated on a loan amount of $150,000 over a term of 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.

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  Account terms, conditions, fees and charges may apply. Interest rate and payment options vary depending on the selected investment term. An interest rate reduction may apply for early withdrawals. Refer to the Product Disclosure Statement for full details.

• ⁴ Fully secured by residential property. Interest margin may apply.
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  Rate only available for new loans with a minimum loan amount of $150,000, for the relevant fixed period and product purpose. Annual Package fee of $395 payable. Offer can be withdrawn at any time. On expiry of the fixed rate period the rate will revert to the relevant Standard Home Loan Variable Rate minus the contracted margin.

• ⁶ Comparison rate calculated on a loan amount of $150,000 over a term of 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. For variable rate interest-only loans, the comparison rate calculation is based on an initial 5-year interest-only term. For fixed rate interest-only loans, the comparison rate calculations are based on an initial interest-only term equal to the fixed rate term.

*Everyday transactions include over the counter withdrawals. No transaction fees apply to ATM withdrawals at The Mutual Bank, ANZ, Commonwealth Bank, NAB or Westpac ATMs. View our Product Disclosure Statement for more information on fees and charges that may apply.

^{^}Special offer applies to those who are eligible. Available for New Business only with minimum loan amount of $100,000. Principal and Interest loans, maximum Loan-to-Value-Ratio (LVR) of 80%. Loans can only be residentially secured. Offer can be withdrawn at anytime.

The Mutual Bank was awarded Term Deposit Account of the Year (Customer-Owned Bank) and Finalist for Best Flexibility - Term Deposits, Best Low Rate Credit Card (Customer-Owned Bank), Excellent Rates & Fees (Customer-Owned Bank), Outstanding Customer Service (Customer-Owned Bank) - Credit Cards and Outstanding Customer Service (Customer-Owned Bank) - Savings Accounts in the 2026 WeMoney Financial Services Awards.