Login

Home Loans

Great interest rates and the flexibility to structure your loan so that it suits you.

  • Home
  • Loans
  • Home Loans

Featured Home Loans

First Home Buyers Standard Owner Occupied

Let us make your first home purchase a rewarding experience

  • Establishment fee waived ($250)
  • Valuation fee waived (up to $500)
  • Offset 100% of the balance
  • Variable 5.09%pa Interest rate
  • 5.13%pa
    Comparison rate
Apply now Learn more

First Home Buyers Basic Owner Occupied

Looking to buy your first home? We have an affordable loan for you

  • Affordable 40-year loan term
  • Establishment fee waived ($250)
  • Valuation fee waived (up to $500)
  • Variable 4.84%pa Interest rate
  • 4.87%pa
    Comparison rate
Apply now Learn more

First Home 2 Year Fixed Owner Occupied

We'll make your big purchase as seamless as possible

  • Establishment fee waived ($250)
  • Valuation fee waived (up to $500)
  • Family Support Option available
  • 2 Year Fixed 5.58%pa Interest rate
  • 5.22%pa
    Comparison rate
Apply now Learn more

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 5.88%pa Interest rate
  • 5.38%pa
    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 4.84%pa Interest rate
  • 4.91%pa
    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 6.45%pa Interest rate
Apply now Learn more

Standard Variable Rate Owner Occupied

Our most popular Home Loan with a very attractive variable rate

  • Offset 100% of the balance
  • Redraw facility
  • Family Support Option available
  • Variable 5.09%pa Interest rate
  • 5.16%pa
    Comparison rate
Apply now Learn more

Bridging Loan

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

  • Offset 100% of the balance
  • Free redraw facility
  • Interest only option available
  • Variable 6.55%pa Interest rate
  • 6.62%pa
    Comparison rate
Apply now Learn more

Investment Variable (Principal & Interest)

Let us help you build that residential investment property portfolio

  • New Loans from $20,000 only
  • Offset 100% of the balance
  • No monthly or annual fees
  • Variable 5.59%pa Interest rate
  • 5.66%pa
    Comparison rate
Apply now Learn more

Fixed Investment (Interest Only)

An Investment Home loan that allows you to fix your rate for 1-5 years

  • Interest Only
  • New Loans from $20,000 only
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 6.33%pa Interest rate
  • 5.88%pa
    Comparison rate
Apply now Learn more

Investment Variable (Interest Only)

Pay interest only repayments with this special product for investors

  • Interest Only
  • New Loans from $20,000 only
  • Offset 100% of the balance
  • Variable 5.69%pa Interest rate
  • 5.74%pa
    Comparison rate
Apply now Learn more

Fixed Investment (Principal & Interest)

An Investment Home loan that allows you to fix your rate for 1-5 years

  • Principal & Interest
  • New Loans from $20,000 only
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 6.13%pa Interest rate
  • 5.81%pa
    Comparison rate
Apply now Learn more

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 5.88%pa Interest rate
  • 5.38%pa
    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 4.84%pa Interest rate
  • 4.91%pa
    Comparison rate
Apply now Learn more

Standard Variable Rate Owner Occupied

Our most popular Home Loan with a very attractive variable rate

  • Offset 100% of the balance
  • Redraw facility
  • Family Support Option available
  • Variable 5.09%pa Interest rate
  • 5.16%pa
    Comparison rate
Apply now Learn more

Investment Variable (Principal & Interest)

Let us help you build that residential investment property portfolio

  • New Loans from $20,000 only
  • Offset 100% of the balance
  • No monthly or annual fees
  • Variable 5.59%pa Interest rate
  • 5.66%pa
    Comparison rate
Apply now Learn more

Fixed Investment (Interest Only)

An Investment Home loan that allows you to fix your rate for 1-5 years

  • Interest Only
  • New Loans from $20,000 only
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 6.33%pa Interest rate
  • 5.88%pa
    Comparison rate
Apply now Learn more

Investment Variable (Interest Only)

Pay interest only repayments with this special product for investors

  • Interest Only
  • New Loans from $20,000 only
  • Offset 100% of the balance
  • Variable 5.69%pa Interest rate
  • 5.74%pa
    Comparison rate
Apply now Learn more

Fixed Investment (Principal & Interest)

An Investment Home loan that allows you to fix your rate for 1-5 years

  • Principal & Interest
  • New Loans from $20,000 only
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 6.13%pa Interest rate
  • 5.81%pa
    Comparison rate
Apply now Learn more

How to apply

Apply Online

Ready to apply or you simply want a conditional pre-approval? Get started online in under 10 minutes.

Phone

A home loan specialist will answer all your questions and help move your application along.

Mobile Banker

Our Mobile Bankers located in NSW can come to visit you at home, at work or wherever else is convenient for you.

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

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

 

The Privacy Act requires us to tell you about how we collect and use your personal information. We explain this in our Privacy Policy which is available here.

Guides for home buying

Footnotes:

  • 1 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 example 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.
  • 2 First Home Buyers 2 Year Fixed Rate Special Offer is applicable to loan applications received on or after 16 November 2020 and is subject to change without notice. New money only with a minimum borrowing amount of $100,000. Offer available for a limited time only and may be withdrawn once portfolio is met. At the end of the fixed period the rate reverts to the Owner Occupied Standard Variable rate.
  • 3 At the end of the fixed period the rate reverts to the Owner Occupied Standard Variable rate.
  • 4 At the end of the fixed period the rate reverts to the Investment Variable Rate Home Loan with Offset.
I want to
About Us
Products
Business
The ethical alternative
Contact
Rates
Tools & Calculators

In the spirit of reconciliation Australian Mutual Bank acknowledges the Traditional Custodians of Country throughout Australia and their connections to land, sea and community. We pay our respect to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

Disclosures | Security | Privacy | BSB: 611 100

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.

© Australian Mutual Bank Ltd | ABN 93 087 650 726 | Australian credit licence 236476 | AFSL 236476.