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Home Loans

If you are looking to buy, refinance or invest we have a home loan solution for you.

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Budget Home Loan

Enjoy a low, variable interest rate for your owner occupied or investment property with no application fee and no annual fee.

  • No application fee
  • No annual or monthly fee
  • Free redraw (minimum $1,000)
  • Special Variable Rate 5.74 % p.a.
    Interest rate
  • 5.74 % p.a.
    Comparison rate
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Things to note...

View Rates and Fees

View product Target Market Determinations

View home loan Key Fact Sheets

Protect your home with CGU Home and Contents Insurance

Home loan calculators

Want to explore the numbers? Estimate your loan repayments, borrowing power and more with our range of helpful calculators.

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Important Information

＊100% Offset Account includes a Monthly Service Fee. Please review our Product Disclosure Statement for more information. 

Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 acts under its own AFSL and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. Any advice is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement (PDS) and Target Market Determinations (TMDs) available in branch or from the CGU website here to see if the product is right for you.

If you purchase an insurance policy, The Mutual Bank will receive a commission.

  • 1 Rate includes a discount margin off the applicable Budget Home Loan Variable Rate. Margin and rate subject to change. Rate only available for new loans to The Mutual Bank with minimum new loan amount of $100,000. Offer may be withdrawn at any time.
  • 2 #Comparison rate calculated on a loan amount of $150,000 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. For variable rate interest-only loans, the comparison rate calculation is based on an initial 5-year interest-only term. For fixed rate interest-only loans, the comparison rate calculations are based on an initial interest-only term equal to the fixed rate term.

    

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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.