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All Home Loans

If you are looking to buy your first home, upgrade or refinance, we have the home loan that is right for you.

If you are looking to buy your first home, upgrade, or refinance, The Mutual Bank has a range of Home Loan’s with low rates and flexible features for you to choose from.

Owner Occupied Package Home Loan

Our Owner Occupied Package Home Loan provides a flexible home loan with a great low interest rate, and has many benefits and discounts plus a range of best value inclusions.

  • Your choice of Loan Saver Account or 100% Offset Account (variable option only)
  • 1% discount on the advertised interest rate for purchases for Mutual Visa Credit Card
  • Fee free redraw
  • 1 Year Fixed Rate 3.49%p.a. Interest rate
  • 4.21%p.a.
    Comparison rate
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First Home Buyer Package Home Loan

Take advantage of our First Home Buyer Package Home Loan and approved access to Federal Government support schemes to buy your first home. Our specialist Personal Banking Managers are here to help you every step of the way.

  • 1.65%p.a. discount on the Standard Variable Rate Home Loan for the life of the loan
  • Fee-free 100% Offset Account
  • Annual package fee waived for the first year
  • 3.48%p.a. Interest rate
  • 3.51%p.a.
    Comparison rate
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Owner Occupied Budget Home Loan

Our Owner Occupied Budget Home Loan keeps things simple with a low ongoing variable interest rate. It’s the no frills home loan when looking to refinance or purchase your next home, best suited to money-savvy home buyers.

  • No monthly or annual fees
  • Free redraw
  • Mutual Visa Credit Card no annual fee
  • 4.33%p.a. Interest rate
  • 4.36%p.a.
    Comparison rate
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Owner Occupied Premium Home Loan

Our Owner Occupied Premium Home Loan offers you best value inclusions such as a 100% Offset or Loan Saver Account.

  • No application fee
  • Free redraws
  • Mutual Visa Credit Card no annual fee
  • Variable 4.88%p.a. Interest rate
  • 4.91%p.a.
    Comparison rate
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Owner Occupied Mutual Home Loan

Looking for a best value home loan to get into the property market? Our Owner Occupied Mutual Home Loan offers a low ongoing variable interest rate with features you’re looking for including a Loan Saver Account.

  • Loan Saver Account
  • Split Loan available
  • Mutual Visa Credit Card no annual fee
  • 4.53%p.a. Interest rate
  • 4.56%p.a.
    Comparison rate
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Owner Occupied Standard Variable Home Loan

Our Owner Occupied Standard Variable Home Loan offers a low ongoing variable interest rate, packed with best value features to help you purchase or build your home sooner.

  • 100% Offset Account
  • Mutual Visa Credit Card no annual fee
  • General Insurance discounts*
  • 5.13%p.a. Interest rate
  • 5.16%p.a.
    Comparison rate
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Express Credit - Line of Credit

A facility that combines your home loan and everyday accounts into one, allowing you to pay your salary directly off your loan and then access the equity in your home to cover your everyday living expenses. Our Express Credit Home Loan is best suited to home-buyers seeking flexibility in mortgage repayments.

  • Access the equity in your home
  • Mortgage repayment flexibility
  • 5.14%p.a. Interest rate
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Important Information

We have not considered your objectives, financial situation, or needs. You should consider these things along with the Product Disclosure Statement and Target Market Determinations before making decisions.

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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. 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