In response to the Reserve Bank of Australia’s recent decision to raise the official cash rate by 0.25%, Australian Mutual Bank will be increasing variable interest rates on mortgage loans by 0.25%. This adjustment applies to both new and existing borrowers and will take effect from 1 March 2026.

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Owner Occupied

Your Way Interest Rate Comparison Rate
Principal and Interest
Basic Variable LVR up to 60% 5.24% p.a. 5.30% p.a.
Basic Variable LVR > 60% - 70% 5.44% p.a. 5.50% p.a.
Basic Variable LVR > 70% - 80% 5.44% p.a. 5.50% p.a.
Basic Variable LVR > 80% - 90% 5.74% p.a. 5.80% p.a.
Basic Variable LVR > 90% 6.09% p.a. 6.15% p.a.
Interest Only
Basic Variable LVR up to 60% 5.49% p.a. 5.40% p.a.
Basic Variable LVR > 60% - 70% 5.69% p.a. 5.60% p.a.
Basic Variable LVR > 70% - 80% 5.69% p.a. 5.60% p.a.
Basic Variable LVR > 80% - 90% 5.99% p.a. 5.90% p.a.
Basic Variable LVR > 90% 6.34% p.a. 6.26% p.a.

Investment

Your Way Interest Rate Comparison Rate
Principal and Interest
Basic Variable LVR up to 60% 5.49% p.a. 5.55% p.a.
Basic Variable LVR > 60% - 70% 5.59% p.a. 5.65% p.a.
Basic Variable LVR > 70% - 80% 5.59% p.a. 5.65% p.a.
Basic Variable LVR > 80% - 90% 5.89% p.a. 5.95% p.a.
Basic Variable LVR > 90% 6.24% p.a. 6.30% p.a.
Interest Only
Basic Variable LVR up to 60% 5.74% p.a. 5.65% p.a.
Basic Variable LVR > 60% - 70% 5.84% p.a. 5.75% p.a.
Basic Variable LVR > 70% - 80% 5.84% p.a. 5.75% p.a.
Basic Variable LVR > 80% - 90% 6.14% p.a. 6.05% p.a.
Basic Variable LVR > 90% 6.49% p.a. 6.41% p.a.

Owner Occupied

Your Way Interest Rate Comparison Rate
Principal and Interest
1 Year Fixed 5.39% p.a. 5.32% p.a.
2 Year Fixed 5.39% p.a. 5.33% p.a.
3 Year Fixed 5.49% p.a. 5.37% p.a.
4 Year Fixed 5.69% p.a. 5.46% p.a.
5 Year Fixed 5.79% p.a. 5.54% p.a.
Variable Rollover 5.24% p.a. 5.30% p.a.
Standard Variable 7.64% p.a. 7.71% p.a.
Interest Only
1 Year Fixed 5.64% p.a. 5.34% p.a.
2 Year Fixed 5.64% p.a. 5.38% p.a.
3 Year Fixed 5.74% p.a. 5.43% p.a.
4 Year Fixed 5.94% p.a. 5.54% p.a.
5 Year Fixed 6.04% p.a. 5.63% p.a.
Variable Rollover N/A N/A
Standard Variable 7.89% p.a. 7.82% p.a.

Investment

Your Way Interest Rate Comparison Rate
Principal and Interest
1 Year Fixed 5.64% p.a. 5.57% p.a.
2 Year Fixed 5.64% p.a. 5.58% p.a.
3 Year Fixed 5.74% p.a. 5.62% p.a.
4 Year Fixed 5.94% p.a. 5.71% p.a.
5 Year Fixed 6.04% p.a. 5.79% p.a.
Variable Rollover 5.49% p.a. 5.55% p.a.
Standard Variable 7.89% p.a. 7.96% p.a.
Interest Only
1 Year Fixed 5.89% p.a. 5.59% p.a.
2 Year Fixed 5.89% p.a. 5.63% p.a.
3 Year Fixed 5.99% p.a. 5.69% p.a.
4 Year Fixed 6.19% p.a. 5.79% p.a.
5 Year Fixed 6.29% p.a. 5.88% p.a.
Variable Rollover N/A N/A
Standard Variable 8.14% p.a. 8.07% p.a.

Footnotes:

  • 1 Loan to Value Ratio (LVR) is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank. At the end of a fixed rate period the interest rate reverts to the applicable variable rate of that product with principal and interest repayments unless borrower selects another eligible product. For Your Way Plus fixed rate loan, the revert variable rate is also determined by the Loan to Value Ratio (LVR) at the commencement of the fixed rate period.
  • 2 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. The comparison rate quoted is based on $150,000 for a term of 25 years. Rates apply to secured loans only.
  • 3 At the end of a Your Way Fixed rate period, the interest rate reverts to the applicable Your Way Variable Rollover rate with principal and interest repayments unless borrower selects another eligible product.
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Australian Mutual Bank acknowledges the Traditional Owners and Custodians of the land where our office is located in Surry Hills, Sydney as the Gadigal people of the Eora Nation. We further acknowledge the Traditional Owners and Custodians of Country from where our members and employees reside.

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