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8.14 % 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.

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 8.14% p.a.
Investment Rate 8.14% 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

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.