Login

Standard Home Loan

Purchase, build or refinance your property.

Our Standard Home Loan is 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.

We are here to help you make the right home loan choice. Enquire now and our lending team will be in touch.

3 Year Fixed, Owner Occupied 5.59 % p.a. Interest rate 7.57 % p.a. Comparison rate

Rate for P&I repayment loans only

Offset account^

Free redraw*

Additional repayments permitted
(no additional cost, up to $20,000 during the fixed term)

Find out more

Product Features:

Home Loans
Interest : Calculated daily, charged monthly
Minimum Amount : $20,000
Loan Term : Up to 30 years
Repayments : Weekly, fortnightly or monthly
Additional Repayments : Unlimited on Variable Rate Home Loans with no additional cost. Up to $20,000 permitted during a Fixed Rate term without penalty.
100% Offset Account : Yes, for variable interest rate only.
Principal and Interest Loan : Yes
Interest Only Loan : Yes (investment purposes only)
Variable Interest Rate Option : Yes
Fixed Interest Rate Options : Yes
Redraw Facility : Yes, minimum redraw is $1,000
Split Loan : Yes

Owner occupied rates

Product Interest Rate Comparison Rate
Principal & Interest Repayments
Variable Rate 8.38% p.a.   8.41% p.a.
1 Year Fixed Rate 5.79% p.a. 8.12% p.a.
2 Year Fixed Rate 5.59% p.a.   7.82% p.a.  
3 Year Fixed Rate 5.59% p.a.   7.57% p.a.  

Investment rates

Product Interest Rate Comparison Rate
Principal & Interest Repayments
Variable Rate 8.78% p.a.   8.81% p.a.  
1 Year Fixed Rate 5.99% p.a.   8.49% p.a.  
2 Year Fixed Rate 5.74% p.a.   8.16% p.a.  
3 Year Fixed Rate 5.69% p.a.   7.88% p.a.  
Interest Only Repayments
Variable Rate (1-5 year terms available) 8.78% p.a. 8.81% p.a.
1 Year Fixed Rate 5.99% p.a. 8.49% p.a.
2 Year Fixed Rate 5.74% p.a. 8.17% p.a.
3 Year Fixed Rate 5.69% p.a. 7.89% p.a.

Fees

Fees Charges
Annual Fee $0
Application Fee $300
Offset Account $7.50 per month

 

Click here for a full list of lending fees and charges.

Home loan calculators

Want to explore the numbers? Estimate your loan repayments, borrowing power and more with our range of helpful calculators.

We're here to help you

Contact Us

Have a question or need support? Our local team is ready to help.

Enquiry Forms

Send us your request or feedback anytime using our online forms.

Visit us

Find your nearest branch location.

Mutual App

Bank on the go with The Mutual App - fast, secure and easy to use.

Important 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.

* Minimum $1,000.

^ Variable loans only

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.