Australian Mutual BankYour Way Plus Fixed Home Loan Investor
Get flexibility for your investment PLUS take advantage of our package benefits with special low rates and much more. Lock in a rate for up to 5 years.
At a glance
- Max LVR
- 98%
- Annual fee
- $300
- Features
- offset, redraw
Rates
Every rate Australian Mutual Bank publishes for this home loan, 20 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- 1 yr fixed6.54%
- 2 yrs fixed6.69%
- 3 yrs fixed6.79%
- 4 yrs fixed6.99%
- 5 yrs fixed7.04%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m… | Investment, P&I | 1 yr fixed | 0–60% LVR | 6.54% | 6.79% | - |
| FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m… | Investment, P&I | 1 yr fixed | 60–80% LVR | 6.54% | 6.79% | - |
| FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m… | Investment, P&I | 1 yr fixed | 80–90% LVR | 6.64% | 7.24% | - |
| FixedFixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and m… | Investment, P&I | 1 yr fixed | 90–98% LVR | 6.89% | 7.58% | - |
| FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 2 yrs fixed | 0–60% LVR | 6.69% | 6.83% | - |
| FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 2 yrs fixed | 60–80% LVR | 6.69% | 6.83% | - |
| FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 2 yrs fixed | 80–90% LVR | 7.04% | 7.29% | - |
| FixedFixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 2 yrs fixed | 90–98% LVR | 7.19% | 7.60% | - |
| FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 3 yrs fixed | 0–60% LVR | 6.79% | 6.87% | - |
| FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 3 yrs fixed | 60–80% LVR | 6.79% | 6.87% | - |
| FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 3 yrs fixed | 80–90% LVR | 7.04% | 7.30% | - |
| FixedFixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 3 yrs fixed | 90–98% LVR | 7.24% | 7.63% | - |
| FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 4 yrs fixed | 0–60% LVR | 6.99% | 6.97% | - |
| FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 4 yrs fixed | 60–80% LVR | 6.99% | 6.97% | - |
| FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 4 yrs fixed | 80–90% LVR | 7.29% | 7.40% | - |
| FixedFixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 4 yrs fixed | 90–98% LVR | 7.34% | 7.63% | - |
| FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 5 yrs fixed | 0–60% LVR | 7.04% | 7.03% | - |
| FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 5 yrs fixed | 60–80% LVR | 7.04% | 7.03% | - |
| FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 5 yrs fixed | 80–90% LVR | 7.39% | 7.46% | - |
| FixedFixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and… | Investment, P&I | 5 yrs fixed | 90–98% LVR | 7.49% | 7.70% | - |
Rate changes
16 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 27 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 0–60% LVR | 6.39% | 6.69% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 60–80% LVR | 6.39% | 6.69% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR | 6.74% | 7.04% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 90–98% LVR | 6.89% | 7.19% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 0–60% LVR | 6.49% | 6.79% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 60–80% LVR | 6.49% | 6.79% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR | 6.74% | 7.04% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 90–98% LVR | 6.94% | 7.24% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 0–60% LVR | 6.69% | 6.99% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 60–80% LVR | 6.69% | 6.99% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 80–90% LVR | 6.99% | 7.29% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 90–98% LVR | 7.04% | 7.34% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 0–60% LVR | 6.74% | 7.04% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 60–80% LVR | 6.74% | 7.04% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR | 7.09% | 7.39% | up 0.30 |
| 27 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 90–98% LVR | 7.19% | 7.49% | up 0.30 |
Each change is logged the night it appears in the rates Australian Mutual Bank LTD publishes. See how every lender answered the RBA on the rate tracker.
Fees
10 fees published, grouped by when they're charged.
- When you take it outUp to $6006 fees, each listed below
- While you hold it$300 a yearPACKAGE_FEE-HOME_LOANS
- When you close it or pay it off$250MORTGAGE_DISCHARGE
When you take it out6
- ESTABLISHMENT_FEE
Fee includes the cost of preparing standard documents, 1 automated valuation model or desktop valuation (Please note: if a Full Valuation is required, the Fee for Full Valuation is a separate fee.),…
$600 - FIXED_RATE_LOCK_FEE
Payable if you choose to lock in an interest rate on your fixed rate loan. The interest rate is locked in for a period of up to 90 days from the date of application. The fee is applicable regardless…
0.15% of balance - LEGAL_FEES
At cost. For third party professional services used in the preparation of non-standard documents. At Cost.
$0 to $9,999,999 - LENDERS_MORTGAGE_INSURANCE
At cost. If you have less than the required deposit, we may ask you to pay Lender's Mortgage Insurance (LMI). LMI protects the bank in cases of default. The LMI premium is not a bank fee. At Cost.
$0 to $9,999,999 - LOAN_ADMINISTRATION_FEE
Payable for the processing and assessing of your home loan application and the preparation of your loan. Payable at the time of settlement/funding of your loan.
$250 - STAMP_DUTY
At cost. A government charge payable to State revenue office when we need to stamp your mortgage to accommodate credit provided under this contract at the amount payable under the relevant stamp duty…
$0 to $9,999,999
While you hold it1
- PACKAGE_FEE-HOME_LOANS
Applicable for New loans after 1 August 2019. The package fee for your home loan will be debited from the nominated Everyday Direct account when your home loan is first approved and then on every ann…
$300 a year
When particular things happen1
- LOAN_VARIATION_FEE
Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us.
$200
When you close it or pay it off1
- MORTGAGE_DISCHARGE
For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost.
$250
Other fees1
- COLLECTION_CHARGES
At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost.
$0 to $9,999,999
Features
- Redraw available
- Additional repayments available
- Ability to split loan
- Ability to switch loan
- Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance
- Flexible repayments
- Discounted Variable rates for life of the loan
- PLUS establishment, valuation and top up fees waived
- PLUS personal loan application fees waived
- Ability to Top Up
Eligibility and limits
- Minimum age 18
- Residency: Individuals must be citizens of permanent residents of Australia.
- Available to individuals
- Amount from $150,000, no maximum
- Maximum LVR 98%
- You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.
- All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
- Borrower must have satisfied Package eligibility.
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Published by Australian Mutual Bank LTD under the Consumer Data Right, last changed by them on 7 Oct 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.