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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 Home Loan Interest Rate Comparison Rate
≤60% LVR 5.69% pa 5.76% pa
>60% to ≤70% LVR 5.74% pa 5.81% pa
>70% to ≤80% LVR 5.79% pa 5.86% pa
>80% to ≤90% LVR 5.84% pa 5.91% pa
GumLeaf Standard Home Loan Interest Rate Comparison Rate
≤60% LVR 5.79% pa 5.86% pa
>60% to ≤70% LVR 5.84% pa 5.91% pa
>70% to ≤80% LVR 5.89% pa 5.96% pa
>80% to ≤90% LVR 5.94% pa 6.01% pa
First Home Buyer Loans Interest Rate Comparison Rate
First Home Buyers Basic Home Loan Variable 5.99% pa 6.03% pa
First Home Buyers Standard Home Loan Variable 6.24% pa 6.28% pa
Other Home Loans Interest Rate Comparison Rate
Standard Variable Rate Home Loan Variable 6.24% pa 6.31% pa
Basic Variable Rate Home Loan Variable 5.99% pa 6.06% pa
Bridging Home Loan Variable 7.70% pa 7.78% pa
Mortgage Secured Overdraft Variable 7.60% pa N/A 
First Home Buyers 2 Year Fixed Rate Interest Rate Comparison Rate
2 Years 2 Year Fixed 5.53% pa 6.14% pa
Fixed Rate Home Loan Interest Rate Comparison Rate
1 Year 1 Year Fixed 5.98% pa 6.29% pa
2 Year 2 Year Fixed 5.63% pa 6.19% pa
3 Year 3 Year Fixed 5.48% pa 6.10% pa
5 Year 5 Year Fixed 5.63% pa 6.05% pa

Investment

GumLeaf Investment Variable (Principal & Interest) Interest Rate Comparison Rate
≤60% LVR 5.99% pa 6.06% pa
>60% to ≤70% LVR 6.04% pa 6.11% pa
>70% to ≤80% LVR 6.09% pa 6.16% pa
>80% to ≤90% LVR 6.14% pa 6.21% pa
GumLeaf Investment Variable (Interest Only) Interest Rate Comparison Rate
≤60% LVR 6.24% pa 6.29% pa
>60% to ≤70% LVR 6.29% pa 6.34% pa
>70% to ≤80% LVR 6.34% pa 6.39% pa  
>80% to ≤90% LVR 6.39% pa 6.44% pa
Other Investment Home Loans Interest Rate Comparison Rate
Investment Variable (Principal & Interest) Variable 6.74% pa 6.81% pa
Investment Variable Rate (Interest Only) Variable 6.84% pa 6.90% pa
Special Offer Investment 2 Year Fixed Rate Interest Rate Comparison Rate
Special Offer Investment 2 Year Fixed Rate Principal & Interest 5.63% pa 6.59% pa
Special Offer Investment 2 Year Fixed Rate Interest Only 5.63% pa 6.71% pa
Investment Fixed Home Loan (Principal & Interest) Interest Rate Comparison Rate
1 Year 1 Year Fixed 6.08% pa 6.75% pa
2 Year 2 Year Fixed 5.73% pa 6.61% pa
3 Year 3 Year Fixed 5.58% pa 6.48% pa
5 Year 5 Year Fixed 5.73% pa 6.37% pa
Investment Fixed Home Loan (Interest Only) Interest Rate Comparison Rate
1 Year 1 Year Fixed 6.28% pa 6.85% pa
2 Year 2 Year Fixed 5.93% pa 6.76% pa
3 Year 3 Year Fixed 5.78% pa 6.66% pa
5 Year 5 Year Fixed 5.93% pa 6.58% pa

 

Personal Loans

Personal Loans Interest Rate Comparison Rate
Personal Loan (Unsecured) 8.99% pa 9.20% pa

 

Green Loans

Green Loans Interest Rate Comparison Rate
Green Loan 7.10% pa 7.10% pa

 

Car Loans

Car Loans Interest Rate Comparison Rate
Green Car Loan 6.45% pa   6.45% pa  
Car Loan 7.45% pa   7.66% pa

 

Credit Cards

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

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 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 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.
  • 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 14 September 2023 and is subject to change without notice. New money only with a minimum borrowing amount of $500,000 and a maximum LVR of 80%. 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 Investment Variable Rate Home Loan with Offset.
  • 6 At the end of the fixed period the rate reverts to the Investment Variable Rate Home Loan with Offset.
  • 7 Loan available for all purposes except debt consolidation. New loans only - no payout of existing Australian Mutual Bank loans.
  • 8 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.
  • 9 Based on a secured variable rate loan. New loans only - no payout of existing loans.
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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 their continued connections and reciprocal relationships 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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