Buying, refinancing or investing? Apply online from the comfort of your home and make it yours sooner.
Whether you're buying your first home, refinancing your current loan or investing in property, we have a home loan to support your next move. With competitive rates, helpful features and expert personal support on hand, we’re here to help you make it yours sooner.
Our Package Home Loan offers a great rate, flexible features and valuable benefits for owner-occupied or investment properties, all for an annual package fee.
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 sooner.
Maximum flexibility to access the equity in your home and make mortgage repayments at your convenience, up to your credit limit. It combines your 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.
Enjoy a low, variable interest rate for your property with no application fee and no annual fee.
View and compare our Transaction Accounts
Rate only available for new loans with a minimum loan amount of $150,000, for the relevant fixed period and product purpose. Annual Package fee of $395 payable. Offer can be withdrawn at any time. On expiry of the fixed rate period the rate will revert to the relevant Standard Home Loan Variable Rate minus the contracted margin.
Rate only available for new loans with a minimum loan amount of $20,000, for the relevant fixed rate period and product purpose. On expiry of the fixed rate period the rate will revert to the relevant Standard Home Loan Variable Rate minus the contracted margin if applicable.
Rate includes a discount margin off Reference Rate Owner Occupied Budget Home Loan Variable Rate. Margin and rate subject to change. Rate only available for new loans to The Mutual Bank with minimum new loan amount of $100,000 and maximum LVR of 80%. Offer may be withdrawn at any time.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.
＊100% Offset Account includes a Monthly Service Fee and available on variable loans only. Please review our Product Disclosure Statement for more information.
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.
The Mutual Bank was awarded Lender of the Year (Customer Owned Bank) – Home Loans and Finalist for Best for First Home Buyers (Finalist) in the 2025 WeMoney Financial Services Awards.
