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Owner Occupied Home Loan Interest Rates

The Mutual has a range of Variable, Fixed and Line of Credit Home Loan options to suit your needs.

Owner Occupied - Package Home Loan

Interest Rate (p.a.) Comparison Rate (p.a.)*#
Discounted Variable Rate Home Loan3 3.68% pa 4.53% pa
Variable Rate Home Loan 4.18% pa 4.59% pa
Fixed Rate Home Loan Options
1 Year Fixed Rate Home Loan1 3.99% pa 4.58% pa
2 Year Fixed Rate Home Loan1 3.99% pa 4.56% pa
3 Year Fixed Rate Home Loan1 3.99% pa 4.54% pa

Owner Occupied - Budget Home Loan

Interest Rate (p.a.) Comparison Rate (p.a.)*#
Variable Rate Home Loan 4.28% pa 4.28% pa

Owner Occupied - Mutual Home Loan

 Interest Rate (p.a.)  Comparison Rate (p.a.)*#

Variable Rate Home Loan

4.48% pa 4.50% pa

Owner Occupied - Premium Home Loan

Interest Rate (p.a.) Comparison Rate (p.a.)*#
Variable Rate Home Loan 4.83% pa 4.87% pa
Fixed Rate Home Loan Options
1 Year Fixed Rate Home Loan2 4.09% pa 4.78% pa
2 Year Fixed Rate Home Loan2 4.09% pa 4.72% pa
3 Year Fixed Rate Home Loan2 4.09% pa 4.66% pa

Owner Occupied - Standard Variable Rate Home Loan

Interest Rate (p.a.) Comparison Rate (p.a.)*#
Standard Variable Rate Home Loan 5.08% pa 5.08% pa
 

Express Credit Facility

Interest Rate (p.a.) Comparison Rate (p.a.)*#
Variable Rate Line of Credit 4.99% pa n/a

 

Variable Rate, Fixed Rate, Line of Credit and Package Home Loan interest rates are effective as at 1 September 2017.

Questions?

If you have any questions, please contact us


1 On expiry of the Package Home Loan Fixed rate period the rate will revert to your prevailing Owner Occupied Package Home Loan Variable Rate.
2 On expiry of the Fixed Rate period the rate will revert to the prevailing Variable Rate for Owner Occupied Premium Home Loans.

The Discounted Variable Rate Home Loan interest rate on the Owner Occupied - Package Home Loan Variable Rate Home Loan is available for new borrowers applying for Owner Occupied - Package Home Loan Variable Rate Home Loan with principal and interest repayments, a minimum balance of $150,000 and the loan security Loan to Value Ratio (LVR) of less than 90% as approved by The Mutual.  The Discounted Variable Rate Home Loan interest rate reverts to the Owner Occupied- Package Home Loan Variable Rate Home Loan interest rate at the end of the 12 month discount period.

*Each of the above comparison rates is calculated on the basis that the loan is secured with repayments made at monthly intervals.

# Comparison rate calculated on the loan amount of $150,000 for a term of 25 years.
NOTE: All loans are subject to The Mutual's lending guidelines. Full details of Terms and Conditions are available on application. Fees and charges may apply. 
 

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View all rates