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Express Credit Facility

Our Express Credit Facility offers you maximum flexibility to access the equity in your home and make mortgage repayments at your convenience, providing your debt remains within your approved limit. It combines your owner occupied or investment home loan and everyday accounts into one, allowing you to pay your salary directly off your loan and access available equity to cover your everyday living expenses. 

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
Owner Occupied Rate 8.39% p.a.
Investment Rate 8.39% p.a.

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

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

Want to explore the numbers? Estimate your loan repayments, borrowing power and more with our range of helpful calculators.

We're ready to help you

Important Information

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.

    

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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.

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.