Government Schemes - The Mutual Bank | Here To Help

What are you looking for?

Everyday Banking
- Transaction Accounts
  
  Express Savings
  Access your money when and where you need it.
  
  Retirement
  Flexible at call account with a competitive interest rate.
  
  Mighty Mutual
  An at call youth savings account.
  
  100% Loan Offset
  A transaction account available with eligible variable rate home loans.
  
  Loan Saver
  A transaction account available with eligible fixed rate home loans.
- Savings & Investment Accounts
  
  Bonus Saver
  A savings account with bonus interest.
  
  Internet Saver
  Earn interest on your savings.
  
  Christmas Club
  A savings account with access limited to November, December and January.
  
  Cash Management
  Manage your cash and achieve your savings goal.
  
  Term Deposits
  Grow your wealth with a higher rate of interest.
- Payment Options
  
  Eco Visa Debit Card
  Made of plants, not plastic, with features that are sustainable, accessible and inclusive.
  
  Apple Pay
  Welcome to easy, fast and secure payments with Apple Pay.
  
  Google Pay
  Easily add your Mutual Visa Card to Google Pay™.
  
  PayID
  Transferring money made simple, fast and secure
- Other Services
  
  International Services
  Send or receive funds from overseas with The Mutual Bank’s international banking services.
  
  Travel
  Convenient access to your money while you travel.
  
  Bank@Post
  Do your day to day banking on your Everyday Account Australia wide with Bank@Post.
  
  Financial Planning
  Improve your lifestyle with The Mutual Bank’s financial planning services.
- Personal Loans
  
  Mutual Visa Credit Card
  A convenient credit card to manage your personal cashflow.
Our Retirement account is the smart option

Up to 3.50% p.a.

For the portion of balances between $25,000 and $50,000.
Home Loans
- Owner Occupied Home Loans
  
  Budget Home Loan
  
  Package Home Loan
  A flexible home loan with a great low interest rate.
  
  First Home Buyer Package Home Loan
  Take advantage of our First Home Buyer Package Home Loan and access to the Australian Government’s First Home Guarantee (FHBG).
  
  Standard Variable Home Loan
  Featuring a 100% Offset Account to help reduce loan interest over time.
  
  Mutual Home Loan
  A quality Home Loan with a low ongoing variable interest rate and flexible features.
  
  Premium Home Loan
  The Mutual Bank’s Premium Home Loan features best value inclusions and discounts.
  
  Express Credit
  Combine your Home Loan and Everyday Accounts into one.
- Investment Home Loans
  
  Investment Budget Home Loan
  Features a low ongoing variable interest rate.
  
  Investment Package Home Loan
  A great low rate with best value inclusions.
  
  Investment Mutual Home Loan
  A quality investment home loan with low ongoing variable interest rate and flexible features.
  
  Investment Premium Home Loan
  Featuring best value inclusions and discounts.
  
  Investment Standard Variable Home Loan
  Featuring a 100% Offset Account to help reduce loan interest over time.
- Government Guarantees
  
  First Home Guarantee
  
  Family Home Guarantee
  Purchase a family home with a deposit as little as 2% with no Lenders Mortgage Insurance.
  
  Regional First Home Buyer Guarantee
Take control of your future

Special Variable Rate 5.69 % p.a. Interest rate 5.69 % p.a. Comparison rate

Rate for new, owner-occupied, ≤80% LVR and P&I repayment loans only
Business Banking
- Transaction Accounts
  
  Business Maximiser
  Earn interest with flexible and convenient access to funds.
  
  Business Cheque Account
  Best value business transaction account with no annual fee.
  
  Trust Accounts
  Manage the assets in your Real Estate or Solicitors Trust Account.
- Savings & Investment Accounts
  
  Internet Saver Business
  Earn interest on your business savings so your money continues to grow.
  
  Cash Management
  
  Farm Management Deposit
  An investment account that helps primary producers deal more effectively with uneven income flows.
- Business Loans
- Business Banking Solutions
Your partner in business

Local Business Bankers are here to help you achieve your goals
Insurance
- Insurance
  
  Home & Contents Insurance
  
  Motor Insurance
  
  Landlord’s Residential Property Insurance
  
  Travel Insurance
Insurance

Help protect yourself against the unexpected by choosing from a range of insurance products.
Help & Support
- Here to help
  
  Financial Hardship
  We are here to help our members experiencing financial stress and hardship.
  
  Deceased Estates
  Here when you need it most
  
  Visa Dispute
  Steps to resolve a Visa Dispute.
  
  Compliments and Complaints
  We are committed to the highest standards of service to our members.
  
  Accessibility and Communication Services
  The Mutual Bank is committed to making it easy for members to access our information, products, and services
  
  Target Market Determinations
  Written TMD documents for financial products
  
  Open Banking and Consumer Data Right
  What is it? And what does it mean for you?
- Security and Fraud
  
  Lost or stolen cards
  If you’ve lost your card or it was stolen, you can immediately block it and request a replacement.
  
  Scams and Fraud
  Stay alert to scams and fraud.
  
  Online banking security
  Protect your personal and account information from fraud.
  
  Identity security
  How to protect yourself from identity theft.
  
  Card security
  Tips to protect yourself from card fraud.
  
  Anti-Money Laundering
  Financial Institutions in Australia are governed by the Anti-Money Laundering and Counter-Terrorism Financing Act which came into force in 2006.
  
  Financial Claims Scheme
  The Financial Claims Scheme provides protection and quick access to deposits protected under the scheme.
  
  VISA Secure
  Verified by Visa is a free service that protects you when you use your Mutual Visa Card to purchase online from participating stores
- Tools & Services
  
  Interest Rates
  
  Lending Fees and Charges
  
  Calculators
  The Mutual Bank offers a range of handy calculators for you to better manage your finances.
  
  Key Fact Sheets
  
  Accessing Your Money
  Discover all the ways you can access your money.
  
  Mutual App
  Keep track of your finances from anywhere, anytime with easy access for your banking needs.
  
  Mobile Payments
  Mobile payments are now available at The Mutual Bank.
  
  Mutual Alerts
  
  Enquiry Forms
  
  Lending Forms
  View The Mutual Bank's Lending Forms.
- Important Documents
  
  Complaints Policy
  
  Privacy Policy
  View our Privacy Policy here.
  
  Whistleblower Policy
The Mutual App

Keep track of your finances on your iOS or Android device.
About Us
- Our Story
  
  Our Values
  Our values of Integrity, Respect, and Care drive all that we do.
  
  Latest News
  Keep up-to-date with the latest information from The Mutual Bank.
  
  Community Support
  We are proud to partner with the community we serve.
  
  Sponsorship
  We provide support for a range of organisations that benefit our local community.
  
  Member Newsletters
- Governance
  
  Code of Practice
  Our longstanding commitment to serving the interests of our members and local community.
  
  Board of Directors
  The Mutual Bank's Board is elected by, accountable to, and proudly represents our members.
  
  Annual Report
  View the highlights of The Mutual Bank's most recent annual report.
  
  Corporate Social Responsibility
  We have an obligation to our members and the wider community to operate in a socially responsible manner.
  
  APS330 Prudential Disclosures
  View The Mutual Bank's Prudential Disclosures.
  
  Executive Leadership Team
  Meet The Mutual Bank's Executive Leadership Team
- Careers
  
  What we offer you
  Our people are the reason for The Mutual Banks growth and success.
  
  Health & wellbeing
  The Mutual Bank promotes workplace safety and personal wellbeing.
  
  Growth & learning
  The Mutual Bank is committed to training and development, to deliver best-practice service to our members.
  
  Positions vacant
  If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.
Our history

Founded in 1888 by a group of passionate Maitland locals, The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.

Australian Government support for eligible home buyers

The Home Guarantee Scheme (HGS) is an Australian Government initiative to support eligible home buyers to purchase a home sooner.

The Scheme is administered by Housing Australia.

The Mutual Bank is one of a limited number of lenders approved by Housing Australia to offer the Scheme.

HGS Eligibility Criteria apply. Click below to learn more about each scheme.

Family Home Guarantee (FHG)

The Family Home Guarantee (FHG) is for eligible single parents and eligible single legal guardians of at least one dependent. It allows eligible buyers to purchase a home with a deposit between 2 and 20% of the property value and includes eligible applicants who are not first home buyers.

Learn more about The Mutual Bank

Important Information

Eligibility criteria, terms and conditions apply to the Government Guarantee Schemes (FHBG, FHG and RFHBG). Eligibility criteria, terms, conditions, fees, and charges apply to all loans and are available on application.

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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. Interest rates, fees, and charges may change without notice.

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.