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  Rate includes a discount margin off Reference Rate Owner Occupied Budget Home Loan Variable Rate. Margin and rate subject to change. Rate only available for new loans to The Mutual Bank with minimum new loan amount of $100,000 and maximum LVR of 80%. Offer may be withdrawn at any time.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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  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 Offer can be withdrawn at any time.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.

• ⁴ 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.

The Mutual Bank was awarded Lender of the Year (Customer Owned Bank) – Home Loans, Term Deposit Account of the Year (Customer Owned Bank), Outstanding Customer Service – Personal Loans, Outstanding Customer Service – Car Loans and Finalist for Best for First Home Buyers (Finalist) in the 2025 WeMoney Financial Services Awards.