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Loan Interest Rates

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View our variable and fixed interest rates for our Home Loans, Car Loans, Personal Loans, Green Loans and Credit Cards.

Home Loans

 

Owner Occupied

GumLeaf Basic Variable Rate Owner Occupied
LVR		 Interest Rate Comparison Rate
≤60% LVR 5.14% p.a. 5.21% p.a.
>60% to ≤70% LVR 5.19% p.a. 5.26% p.a.
>70% to ≤80% LVR 5.24% p.a. 5.31% p.a.
>80% to ≤90% LVR 5.29% p.a. 5.36% p.a.
GumLeaf Standard Variable Rate Owner Occupied
LVR		 Interest Rate Comparison Rate
≤60% LVR 5.24% p.a. 5.31% p.a.
>60% to ≤70% LVR 5.29% p.a. 5.36% p.a.
>70% to ≤80% LVR 5.34% p.a. 5.41% p.a.
>80% to ≤90% LVR 5.39% p.a. 5.46% p.a.
First Home Buyer Loans Interest Rate Comparison Rate
First Home Buyers Basic Home Loan Variable 5.44% p.a. 5.48% p.a.
First Home Buyers Standard Home Loan Variable 5.69% p.a. 5.73% p.a.
Other Home Loans Interest Rate Comparison Rate
Standard Variable Rate Home Loan Variable 5.69% p.a. 5.76% p.a.
Basic Variable Rate Home Loan Variable 5.44% p.a. 5.51% p.a.
Bridging Home Loan Variable 7.15% p.a. 7.23% p.a.
First Home Buyers 2 Year Fixed Rate Interest Rate Comparison Rate
2 Years 2 Year Fixed 4.64% p.a. 5.53% p.a.
Fixed Rate Home Loan Interest Rate Comparison Rate
1 Year 1 Year Fixed 5.28% p.a. 5.72% p.a.
2 Year 2 Year Fixed 4.74% p.a. 5.58% p.a.
3 Year 3 Year Fixed 4.74% p.a. 5.50% p.a.
5 Year 5 Year Fixed 5.19% p.a. 5.55% p.a.

Investment

GumLeaf Investment Variable Rate (Principal & Interest)
LVR		 Interest Rate Comparison Rate
≤60% LVR 5.44% p.a. 5.51% p.a.
>60% to ≤70% LVR 5.49% p.a. 5.56% p.a.
>70% to ≤80% LVR 5.54% p.a. 5.61% p.a.
>80% to ≤90% LVR 5.59% p.a. 5.66% p.a.

 

GumLeaf Investment Variable Rate (Interest Only)
LVR		 Interest Rate Comparison Rate
≤60% LVR 5.69% p.a. 5.57% p.a.
>60% to ≤70% LVR 5.74% p.a. 5.62% p.a.
>70% to ≤80% LVR 5.79% p.a. 5.67% p.a.
>80% to ≤90% LVR 5.84% p.a. 5.73% p.a.

 

Other Investment Home Loans Interest Rate Comparison Rate
Investment Variable (Principal & Interest) Variable 6.19% p.a. 6.27% p.a.
Investment Variable Rate (Interest Only) Variable 6.29% p.a. 6.28% p.a.
Special Offer 2 Year Fixed Rate Investment Interest Rate Comparison Rate
2 Year Fixed (Principal & Interest) 2 Year Fixed Rate P&I** 4.74% p.a. 5.98% p.a.
2 Year Fixed (Interest Only) 2 Year Fixed Rate IO*** 4.74% p.a. 6.03% p.a.

 

Investment Fixed Home Loan (Principal & Interest) Interest Rate Comparison Rate
1 Year 1 Year Fixed 5.38% p.a. 6.18% p.a.
2 Year 2 Year Fixed 4.94% p.a. 6.02% p.a.
3 Year 3 Year Fixed 4.94% p.a. 5.91% p.a.
5 Year 5 Year Fixed 5.39% p.a. 5.92% p.a.
Investment Fixed Home Loan (Interest Only) Interest Rate Comparison Rate
1 Year 1 Year Fixed 5.58% p.a. 6.20% p.a.
2 Year 2 Year Fixed 5.09% p.a. 6.08% p.a.
3 Year 3 Year Fixed 5.09% p.a. 6.01% p.a.
5 Year 5 Year Fixed 5.59% p.a. 6.04% p.a.

 

Personal Loans

Personal Loans Interest Rate Comparison Rate
Personal Loan (Unsecured) 8.99% p.a. 9.20% p.a.

 

Green Loans

Green Loans Interest Rate Comparison Rate
Green Loan 7.10% p.a. 7.10% p.a.

 

Car Loans

Car Loans Interest Rate Comparison Rate
Green Car Loan 6.45% p.a. 6.45% p.a.
Car Loan 7.45% p.a. 7.66% p.a.

 

Credit Cards

Visa Credit Card Rate p.a.
Purchase Interest Rate 10.49% p.a.
Balance Transfer Rate 10.49% p.a.
Cash Advance Interest Rate 15.49% p.a.

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Footnotes:

  • 1 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.
  • 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 First Home Buyers 2 Year Fixed Rate Special Offer is applicable to loan applications received on or after 1 June 2025 and is subject to change without notice. New money only with a minimum borrowing amount of $20,000. 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.
  • 4 At the end of the fixed period the rate reverts to the Owner Occupied Standard Variable rate.
  • 5 Special Offer Investment 2 Year Fixed Rate is applicable to loan applications received on or after 01 November 2024 and is subject to change without notice. New money only with a minimum borrowing amount of $500,000 and a maximum LVR of 80%. Reverts to the Investment Variable product at Principal & Interest repayments at the end of the fixed period. Offer available for a limited time only and may be withdrawn once portfolio is met.
  • 6 Reverts to the Investment Variable product at Principal & Interest repayments at the end of the fixed period.
  • 7 Comparison rate based on a $30,000 loan over 5 years unsecured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.
  • 8 Based on a secured variable rate loan. New loans only - no payout of existing loans.

**P&I stands for Principal and Interest repayments

***IO stands for Interest Only repayments

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