Home Loans

Buying, refinancing or investing? Apply online from the comfort of your home and make it yours sooner.

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Explore our Home Loans

Whether you're buying your first home, refinancing your current loan or investing in property, we have a home loan to support your next move. With competitive rates, helpful features and expert personal support on hand, we’re here to help you make it yours sooner.

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How to Apply

Getting started is easy – and only takes a few minutes.

  • Apply online

    Start your application from home at your own pace. Save your contact information and we'll reach out if you may need support.

  • We’ll review your application

    Once we've received your application, we'll get in touch to let you know the outcome or to ask for further information if required.

  • Prefer to speak with a person?

    Enquire now for a call back or visit us in branch and our team will guide you through the process.

Calculators

Ready to plan your next step? Our easy-to-use calculators can help you estimate your repayments and understand how much you could borrow, so you can move forward with confidence.

View all our online calculators →

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Need more support? We're here to help

  • Speak to a local

    Connect to our Hunter based team in minutes during business hours.

  • Make an enquiry

    Send us your request or feedback anytime using our secure online forms.

  • Explore FAQs

    Looking for a quick answer? Browse our most frequently asked questions.

  • Secure Message

    Securely message our local Contact Centre Team through the Mutual App or Internet Banking.

  • 1

    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 Offer can be withdrawn at any time.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.

  • 2 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.
  • 3

    Rate only available for new loans with a minimum loan amount of $20,000, for the relevant fixed rate period and product purpose. On expiry of the fixed rate period the rate will revert to the relevant Standard Home Loan Variable Rate minus the contracted margin if applicable.

＊100% Offset Account includes a Monthly Service Fee and available on variable loans only. Please review our Product Disclosure Statement for more information. 

Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement (PDS) and Target Market Determinations (TMDs) available in branch or from the CGU website here to see if the product is right for you.

If you purchase an insurance policy, The Mutual Bank will receive a commission.

The Mutual Bank was awarded Lender of the Year (Customer Owned Bank) – Home Loans and Finalist for Best for First Home Buyers (Finalist) in the 2025 WeMoney Financial Services Awards.

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Any advice or information on this site does not take into account your personal objectives, financial situation, or needs and you should consider whether it is appropriate for you. Please review our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time, and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which The Mutual Bank operates and where our team members reside.