Express Credit Facility

Access your home equity with maximum flexibility. Apply online now or contact us to make it yours.

7.89 % p.a. Interest rate

Flexible access to your home equity

Need more control over your finances? Our Express Credit Facility combines your home loan and everyday banking into one convenient account, giving you flexible access to your available home equity.

Make repayments when it suits you, as long as your balance stays within the approved limit. Whether you're an owner-occupier or investor, make maximum flexibility yours and manage your finances your way.

So, what are the perks?

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 →

Features, Rates and Further Information

Product Features:

Home Loans
Interest : Calculated daily, charged monthly
Minimum Amount : $10,000
Loan Term : Up to 30 years
Access : Visa Debit Card, Internet Banking
Product Interest Rate
Owner Occupied Rate 7.89% p.a.
Investment Rate 7.89% p.a.
Document or Information View or Download
Fees, charges and limits Learn more →
Target market determinations Learn more →
Interest rates Learn more →
Home Loan Key Fact Sheets Learn more →
Important documents Learn more →
Compare all home loan accounts Compare now →
 
You're gonna love us

The Mutual Bank has been supporting regional communities with trusted banking for over 135 years

We’re proudly customer owned, which means we exist to benefit you. Not external shareholders. Whether you're opening your first account or planning for the future, we’re here with genuine service, great-value products and the kind of care only a mutual can offer.

Looking for something else?

View and compare our Home Loans

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.

No minimum repayments are required providing debt remains within approved limit.

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

Personal

Transaction accounts
Savings accounts
Home loans
Personal loans
Credit card
Insurance

Business

Business accounts
Business savings
Business loans

Help

Contact us
Lost or stolen cards
Scams and fraud
Financial hardship
Compliments and complaints
Accessibility

About

Our values
Latest news
Community
Sponsorship
Careers

Follow us

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.

Download our app

Apple app store Google play store

Aboriginal flag Torres straight island flag
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.