View our Easter and Anzac Day trading hours and changed payment schedule here. 

Login

Home Loan Interest Rates

Budget Home Loan

Effective Date: 1 April 2025

Product Interest Rate Comparison Rate
Special Variable Rate LVR ≤80% 5.74% p.a.   5.74% p.a.
Variable Rate 6.83% p.a. 6.83% p.a.
Product Interest Rate Comparison Rate
Special Variable Rate LVR ≤80% 5.99% p.a. 5.99% p.a.
Variable Rate 7.23% p.a. 7.23% p.a.

Package Home Loan

Effective Date: 1 April 2025

Product Interest Rate Comparison Rate
Principal & Interest Repayments
Variable Rate 7.48% p.a. 7.83% p.a.
1 Year Fixed Rate   5.79% p.a.   7.65% p.a.
2 Year Fixed Rate   5.59% p.a.   7.44% p.a.
3 Year Fixed Rate 5.69% p.a.     7.31% p.a.

 

Product Interest Rate Comparison Rate
Principal & Interest Repayments
Variable Rate   7.88% p.a.     8.23% p.a.
1 Year Fixed Rate   5.99% p.a.   8.02% p.a.
2 Year Fixed Rate   5.74% p.a.   7.78% p.a.
3 Year Fixed Rate   5.79% p.a.   7.61% p.a.
Interest Only Repayments
Variable 7.88% p.a.   8.21% p.a.
1 Year Fixed Rate 5.99% p.a. 8.01% p.a.
2 Year Fixed Rate 5.74% p.a. 7.78% p.a.
3 Year Fixed Rate 5.79% p.a. 7.60% p.a.
Product Interest Rate Comparison Rate
Owner Occupied, Principal & Interest Repayments
Variable Rate 6.73% p.a. 7.09% p.a.
1 Year Fixed Rate 5.79% p.a. 6.99% p.a.
2 Year Fixed Rate 5.59% p.a. 6.86% p.a.
3 Year Fixed Rate 5.69% p.a. 6.79% p.a.

Standard Home Loan

Effective Date: 1 April 2025

Product Interest Rate Comparison Rate
Principal & Interest Repayments
Variable Rate 8.38% p.a.   8.41% p.a.  
1 Year Fixed Rate 5.89% p.a.   8.13% p.a.  
2 Year Fixed Rate 5.69% p.a.   7.84% p.a.  
3 Year Fixed Rate 5.79% p.a.   7.63% p.a.  

 

Product Interest Rate Comparison Rate
Principal & Interest Repayments
Variable Rate 8.78% p.a.   8.81% p.a.  
1 Year Fixed Rate 6.09% p.a.   8.50% p.a.  
2 Year Fixed Rate 5.84% p.a.   8.18% p.a.  
3 Year Fixed Rate 5.89% p.a.   7.93% p.a.  
Interest Only Repayments
Variable Rate 8.78% p.a. 8.80% p.a.  
1 Year Fixed Rate 6.09% p.a. 8.50% p.a.
2 Year Fixed Rate 5.84% p.a. 8.19% p.a.
3 Year Fixed Rate 5.89% p.a. 7.95% p.a.

Express Credit Facility

Effective Date: 1 April 2025

Product Interest Rate
Owner Occupied Rate 8.39% p.a.
Investment Rate 8.39% p.a.

Important Information

Footnotes:

    

Home | Privacy Policy | Important Documents | CDR Policy | Contact Us | Lost or Stolen Cards | Website Terms of Use | Whistleblower Policy

Any advice or information on this site does not take into account your personal objectives, financial situation, or needs and you should consider whether it is appropriate for you. Please review our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

The Mutual Bank acknowledges the Traditional Custodians of Country across Australia and recognises their continuing connection to lands, waters and communities. We pay our respects to Aboriginal and Torres Strait Islander cultures and to Elders past and present.