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  On expiry of the fixed rate period the rate will revert to the variable rate for the applicable home loan. Rate only available for Owner Occupied loans and minimum loan amount of $150,000. Annual Package fee of $395 payable. Offer can be withdrawn at any time.

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  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. For variable rate interest-only loans, the comparison rate calculation is based on an initial 5-year interest-only term. For fixed rate interest-only loans, the comparison rate calculations are based on an initial interest-only term equal to the fixed rate term.

³ Access to redraw funds is subject to The Mutual Bank’s discretion and the terms of your loan agreement. If approved, any repayments made in excess of the minimum monthly required amount may be available for redraw via electronic banking or with assistance from bank staff. The minimum amount that can be redrawn is $1,000.