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Standard Home Loan

Our Standard Home Loan is the simple solution for your owner occupied or investment property. It offers competitive interest rates and features to help you purchase, build or refinance your home.

We are here to help you make the right home loan choice. Enquire now and our lending team will be in touch.

Product Interest Rate Comparison Rate
Variable Rate 8.63% p.a.   8.65% p.a.
1 Year Fixed Rate 6.39% p.a. 8.40% p.a.
2 Year Fixed Rate 6.29% p.a. 8.16% p.a.  
3 Year Fixed Rate 6.29% p.a. 7.95% p.a.

 

Product Interest Rate Comparison Rate
Variable Rate 9.03% p.a.   9.06% p.a.
1 Year Fixed Rate 6.49% p.a. 8.76% p.a.  
2 Year Fixed Rate 6.39% p.a. 8.48% p.a.  
3 Year Fixed Rate 6.39% p.a. 8.25% p.a.

Product Features:

Home Loans
Interest : Calculated daily, charged monthly
Minimum Amount : $20,000
Loan Term : Up to 30 years
Repayments : Weekly, fortnightly or monthly
Additional Repayments : Yes (or up to $20,000.00 during the fixed term)
Annual Fee : $0
Application Fee : $300
100% Offset Account : Yes*
Principal and Interest Loan : Yes
Interest Only Loan : Yes
Variable Interest Rate Option : Yes
1, 2 & 3 Year Fixed Rate Options : Yes
100% Offset Monthly Fee : $7.50
Mutual Visa Credit Card Annual Fee : $49
Mutual Visa Credit Card Discounts : N/A
Switching Fee : $300
Rollover Fee : $200
Personal/Car Loans : $200
Redraw Facility : Yes, minimum redraw is $1,000
Valuation Fee : $250 per new loan application

Things to note...

View Rates and Fees

View product Target Market Determinations

View home loan Key Fact Sheets

Protect your home with CGU Home and Contents Insurance

Home loan calculators

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Important Information

＊100% Offset Account includes a Monthly Service Fee. Please review our Product Disclosure Statement for more information. 

Footnotes:

    

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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.

Information is current as at date of appearance and is subject to change. Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

The Mutual Bank acknowledges the Traditional Custodians of Country across Australia and recognises their continuing connection to lands, waters and communities. We pay our respects to Aboriginal and Torres Strait Islander cultures and to Elders past and present.