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First Home Guarantee

Secure your first home loan with a deposit of as little as 5%, without Lenders Mortgage Insurance, under the Australian Government's Home Guarantee Scheme.

Latest News

The Mutual Bank wins a Mozo Experts Choice Award

The Mutual Bank wins a Mozo Experts Choice Award

For the second year running, The Mutual Bank’s Budget Home Loan* has won a Mozo Experts Choice Home Loan Award in the Low Cost Home Loan award category.

The Mutual Bank welcomes PayTo ®

The Mutual Bank welcomes PayTo ®

The Mutual Bank now offers PayTo – an easy, digital way to pay directly from your bank account. PayTo gives you visibility and control as you can see and manage your PayTo agreements in Internet Banking.

2024 RateCity award for The Mutual Bank's Budget Home Loan

2024 RateCity award for The Mutual Bank's Budget Home Loan

The Mutual Bank's Budget Home Loan has been recognised in the 2024 RateCity Gold Awards which celebrate the most competitive financial products in Australia that deliver the best value for customers.

A Greener Way To Pay

Our Mutual Visa Debit Card is made of plants, not plastic, with features that are sustainable, accessible and inclusive. Available now with eligible transaction accounts.

 

Bank on the go with the Mutual App

Keeping track of your banking with the convenience of the Mutual App is now easier than ever.

Access your accounts, manage your cards, share and save transaction receipts, create savings goals, track your spending across categories, manage your Pay ID, make Osko payments and more!

 

   

Helping Hunter people since 1888

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Important Information

Information is current as at date of appearance and is subject to change. Eligibility and lending criteria, conditions, fees, and charges apply to all loans.

Footnotes:

  • 1 Rate includes a discount margin off the Owner-Occupied Budget Home Loan Variable Rate. Margin subject to change until loan contract is issued. Lending criteria, T&Cs, fees and charges apply. Rate only available for new owner-occupied loans to The Mutual Bank with minimum new loan amount of $100,000.
  • 2 Comparison rate is based on a loan of $150,000 over 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.
  • 3 Interest on Term Deposits is calculated by applying the daily percentage rate to the account balance and paid at intervals as specified in the tables above. A reduced interest rate applies if term deposits are redeemed before Maturity Date. The reduced interest rate is 0.10% per annum calculated from the date the account was opened to the date of early redemption. The daily percentage rate is the applicable annual percentage rate divided by 365.
  • 4 Interest is calculated by applying the daily percentage rate applicable to the daily balance to the entire balance and paid on the last day of every month. Interest will be calculated and paid if there has been at least one deposit and no withdrawals on the account during the calendar month. Interest credits from this account do not constitute a deposit. If this condition is not met, no interest will be paid for that month. The daily percentage rate is the applicable annual percentage rate divided by 365.
  • 5 The interest rate offered to you will be personalised depending on our credit assessment of your financial situation. The interest rate shown is the minimum interest rate that may be applicable.
  • 6 Comparison rate is based on a secured loan of $30,000 over 5 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.