Public Holiday: The Mutual Bank Branches and Contact Centre will be closed for the King’s Birthday Public Holiday on 9 June 2025. Scheduled payments will be made in advance on 7 June.



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First Home Guarantee

Secure your first home loan with a deposit of as little as 5%, without Lenders Mortgage Insurance, under the Australian Government's Home Guarantee Scheme.

Learn more about The Mutual

Important Information

Eligibility criteria, terms and conditions apply to the First Home Guarantee.  Eligibility criteria, terms, conditions, fees, and charges apply to all loans and are available on application.

    

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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 our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

The Mutual Bank acknowledges the Traditional Custodians of Country across Australia and recognises their continuing connection to lands, waters and communities. We pay our respects to Aboriginal and Torres Strait Islander cultures and to Elders past and present.