Maitland Mutual Limited
Every product Maitland Mutual Limited publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 2 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
- Australian credit licence and AFS licence 238139, held by Maitland Mutual Limited; credit licence since 15 December 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
25 products in 7 categories
Maitland Mutual Limited's rates today
Maitland Mutual Limited's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Maitland Mutual Limited sits among every institution's best
| Rate | Maitland Mutual Limited | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.04%Budget Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.44%Package Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 4.25%Bonus Saver | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.30%Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 12.49%Mutual Visa Credit Card | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 2.50%Internet Saver Business | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.84%Business Mortgage Loan | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
Maitland Mutual Limited home loan repayments
Repayments at Maitland Mutual Limited's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBudget Home Loan6.04%6.04% comparison$3,613a month
$700,589 in interest, $1,300,589 repaid in all
- 1-year fixedPackage Home Loan6.34%6.88% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 2-year fixedPackage Home Loan6.34%6.86% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 3-year fixedPackage Home Loan6.44%6.87% comparison$3,769a month
$756,755 in interest, $1,356,755 repaid in all
- Investor variablePackage Home Loan6.39%6.75% comparison$3,749a month
$749,679 in interest, $1,349,679 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Maitland Mutual Limited's own calculator: confirm the rate with Maitland Mutual Limited before you apply.
Maitland Mutual Limited home loan rates
Compare across banks4 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.04%, with a comparison rate of 6.04%, on its Budget Home Loan: 6th lowest of 104 lenders.
- Budget Home Loan
- Variable (owner occ. P&I)
- 6.04%, 6.04% comparison
- Variable (investor P&I)
- 6.94%
- Max LVR
- 95%
- Express Credit Facility
- Max LVR
- 80%
- Annual fee
- $120
- Package Home Loan
- Variable (owner occ. P&I)
- 6.44%, 6.80% comparison
- Variable (investor P&I)
- 6.39%
- Fixed
- 1 yr 6.34%, 2 yrs 6.34%, 3 yrs 6.44%
- Standard Home LoanPriced on application
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 8.88%, 8.91% comparison
- Variable (investor P&I)
- 9.28%
Maitland Mutual Limited savings and transaction account rates
Compare across banks10 products
Its highest savings rate is up to 4.25% (0.00% base plus a 4.25% bonus when its conditions are met), on its Bonus Saver: 49th highest of 84 institutions, level with one other.
- 100% Loan Offset
- Monthly fee
- $7.50
- Bonus Saver
- Base rate
- 0.00%
- Bonus rate
- 4.25%
- Up to
- 4.25%
- Cash Management
- Base rate
- 0.00%
- Christmas Club
- Base rate
- 1.00%
- Everyday Account
- Base rate
- 0.00%
- Everyday Business Account
- Internet Saver
- Base rate
- 3.50%
- Internet Saver Business
- Base rate
- 2.50%
- Mighty Mutual Account
- Base rate
- 4.50%
- Bonus rate
- 0.45%
- Up to
- 4.95%
- Retirement Account
- Base rate
- 0.25%
Maitland Mutual Limited term deposit rates
Compare across banks2 products
Its highest 12-month term deposit rate is 5.30%, on its Term Deposit: 28th highest of 65 institutions, level with 14 others.
| Rate | Maitland Mutual Limited | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.90%Term Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.20%Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.30%Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.20%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 4.50%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
Maitland Mutual Limited credit card rates
Compare across banks1 product
Its lowest credit card purchase rate is 12.49%, on its Mutual Visa Credit Card: 25th lowest of 51 card issuers, level with one other.
Maitland Mutual Limited personal loan rates
Compare across banks2 products
Maitland Mutual Limited business loan rates
Compare across banks2 products
Its lowest advertised business loan rate is 6.84% fixed, on its Business Mortgage Loan: 7th lowest of 49 lenders.
Has The Mutual Bank passed on the RBA's November 2026 rate rise?
The Mutual Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Mon 2 Nov
The Mutual Bank lifted 8 savings rates by 0.03 to 0.25 percentage points.
0.03 to 0.25- Bonus Saver (1 rate)
- Internet Saver (5 rates)
- Mighty Mutual Account (2 rates)
Thu 15 Oct
The Mutual Bank lifted 4 variable home loan rates by 0.25 percentage points.
0.25- Express Credit Facility (1 rate)
- Standard Home Loan (3 rates)
The Mutual Bank lifted 5 savings rates by 0.25 percentage points.
0.25- Internet Saver Business (3 rates)
- Retirement Account (2 rates)
Fri 2 Oct
The Mutual Bank lifted 56 term deposit rates by 0.10 to 1.20 percentage points.
0.10 to 1.20- Farm Management Deposit (4 rates)
- Term Deposit (52 rates)
The Mutual Bank cut 4 term deposit rates by 1.15 percentage points.
1.15
Published by Maitland Mutual Limited under the Consumer Data Right, last changed by them on 2 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.