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Check out our Owner Occupied Home Loans

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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 memberrelations@australianmutual.bank. 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

Fixed Rate Owner Occupied

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 5.49 % p.a. Interest rate
  • 6.24 % p.a.
    Comparison rate
Apply now Learn more

Standard Variable Rate Home Loan

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
Apply now Learn more

Special Offer 3 Year Discounted Basic Variable Rate

For the first 3 years of your loan save on interest with a lower introductory rate

  • Establishment, valuation and mortgage service fees waived
  • New loans from $500,000 only
  • Family Support Option available
  • 3yr disc. variable* 5.69 % p.a. Interest rate
  • 6.06 % p.a.
    Comparison rate
Apply now Learn more

GumLeaf Standard Variable Rate Owner Occupied

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
Apply now Learn more

GumLeaf Basic Variable Rate Owner Occupied

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
Apply now Learn more

Basic Variable Owner Occupied

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
Apply now Learn more

Mortgage Secured Overdraft Owner Occupied

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
Apply now Learn more

Bridging Loan

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
Apply now Learn more

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

Leave your details below and one of our consultants will be in touch.

 

 

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Why choose Australian Mutual Bank?

  • 100% Customer owned

    On becoming a member of our bank, you're not just a customer, you're an owner!

  • Ethical banking

    The benefit of our members, society, and the planet drives everything we do

  • Friendly service

    Our number one goal is to give you the best overall banking experience we can

  • Safe and secure

    Eligible deposits are protected by the Financial Claims Scheme

Footnotes:

  • 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 Special Offer 3 Year Discounted Basic Variable Rate is applicable to loan applications received on or after the 25th October 2024 and is subject to change without notice. Not available in conjunction with any other offer. New money only with a minimum borrowing amount of $500,000 and a maximum LVR of 80%. Offer available for applications received by the 25th of October 2024. The discounted rate is 0.50% below the Basic Variable Rate Home Loan Owner Occupied rate and will remain so for a 3 year period. At the end of the 3 year period, the rate reverts to the current offering of the Basic Variable Rate Home Loan Owner Occupied rate applicable at the time.
  • 4 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.
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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.

We extend our deep respect to Elders, past and present, and emerging Community leaders for maintaining enduring connections that protect and care for Country for a sustainable future.

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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 Australian Mutual Bank Ltd Account and Access Facility Conditions of Use and Financial Services Guide before acquiring the product.

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