Australian Mutual Bank
Your 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.
Home loansBank updated 11 Sept 2026
At a glance
- Max LVR
- 98%
- Annual fee
- $300
- Features
- offset, redraw
§ 01 — Rates · 20
| 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% | 6.66% | — |
| 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% | 6.75% | — |
| 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% | 7.02% | — |
| 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% | 7.36% | — |
| 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 | 6.39% | 6.65% | — |
| 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 | 6.39% | 6.73% | — |
| 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 | 6.74% | 7.03% | — |
| 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 | 6.89% | 7.34% | — |
| 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 | 6.49% | 6.68% | — |
| 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 | 6.49% | 6.75% | — |
| 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 | 6.74% | 7.03% | — |
| 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 | 6.94% | 7.34% | — |
| 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 | 6.69% | 6.77% | — |
| 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 | 6.69% | 6.83% | — |
| 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 | 6.99% | 7.13% | — |
| 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 | 7.04% | 7.36% | — |
| 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 | 6.74% | 6.82% | — |
| 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 | 6.74% | 6.87% | — |
| 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 | 7.09% | 7.19% | — |
| 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 | 7.19% | 7.43% | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| LOAN_VARIATION_FEE | Event | $200 | — | Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us. |
| MORTGAGE_DISCHARGE | Exit | $250 | — | For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost. |
| COLLECTION_CHARGES | Other | $0 to $9,999,999 | — | 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. |
| PACKAGE_FEE-HOME_LOANS | Periodic | $300 | Every 1 yr | 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… |
| ESTABLISHMENT_FEE | Upfront | $600 | — | 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.),… |
| FIXED_RATE_LOCK_FEE | Upfront | 0.15% of balance | — | 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… |
| LEGAL_FEES | Upfront | $0 to $9,999,999 | — | At cost. For third party professional services used in the preparation of non-standard documents. At Cost. |
| LENDERS_MORTGAGE_INSURANCE | Upfront | $0 to $9,999,999 | — | 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. |
| LOAN_ADMINISTRATION_FEE | Upfront | $250 | — | 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. |
| STAMP_DUTY | Upfront | $0 to $9,999,999 | — | 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… |
§ 03 — Features
Offset accountRedrawDigital banking
- · 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
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens of permanent residents of Australia.
- · Available to individuals
- · Amount $150,000 to 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.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Australian Mutual Bank LTD under the Consumer Data Right, last changed by them on 11 Sept 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.