Fixed rate coming to an end? We are here to help you choose the most suitable products for your needs.

If you require any assistance or have any questions, please do not hesitate to contact our Member Relations Team on 02 9678 2124 (Mon - Fri: 8am - 5pm) or email Our friendly team is available to guide you through the process and answer any queries you may have. 

Can't decide between a variable or fixed home loan?

You might consider splitting your home loan into part fixed, part variable rate so you can access both certainty and flexibility, in a ratio that works for you. Speak with one of our mortgage specialists for more information about a split home loan for you to decide whether this may be suitable for you.

Owner Occupied home loan options

Lock in a competitive rate for up to 5 years

  • New Loans from $20,000 only
  • No monthly or annual fees
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 5.74 % p.a. Interest rate
  • 6.31 % p.a.
    Comparison rate

Our most popular Home Loan with a very attractive variable rate

  • 100% offset account available
  • Free redraw facility
  • No annual or monthly fees
  • Variable 6.44 % p.a. Interest rate
  • 6.51 % p.a.
    Comparison rate

Take root and grow with a GumLeaf Home Loan

  • New loans from $50,000 only
  • Offset 100% of the balance
  • Rates are based on your loan-to-value ratio
  • ≤60%LVR 5.99 % p.a. Interest rate
  • 6.06 % p.a.
    Comparison rate

The evergreen, no frills Basic GumLeaf Home Loan, built for value

  • New loans from $50,000 only
  • No annual fee
  • Rates are based on your loan-to-value ratio
  • ≤60% LVR 5.89 % p.a. Interest rate
  • 5.96 % p.a.
    Comparison rate

A home loan that keeps things simple and saves you money

  • No Annual Fee
  • Free redraw facility
  • Minimum loan only $20,000
  • Variable 6.19 % p.a. Interest rate
  • 6.26 % p.a.
    Comparison rate

Be prepared for those unexpected expenses with our flexible overdraft account

  • Access money whenever you need
  • No annual fee
  • Free redraw facility
  • Variable 7.80 % p.a. Interest rate

A loan that allows you to purchase your new property before you sell your existing one

  • A bridge from your current home to your next one
  • Avoid renting between homes
  • Borrow up to 80% of the new home's value
  • Variable 7.90 % p.a. Interest rate
  • 7.98 % p.a.
    Comparison rate

Not ready to apply but simply wish to make an enquiry?

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Why choose Australian Mutual Bank?


  • 1 At the end of the fixed period the rate reverts to the Owner Occupied Standard Variable rate.
  • 2 This comparison rate is based on a $150,000 loan 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. All loan applications are subject to Australian Mutual Bank Ltd normal lending criteria. Fees and charges, terms and conditions apply.
  • 3 Home loan information and interest rates are for new money loans only and are subject to change. Loan to Value Ratio (LVR) is the ratio or money you borrow compared to the value of the property used as security, as determined by the Bank. LVR value is determined at time of origination only.