Australian Mutual Bank
Your Way Home Loan Investor
Flexibly structure and manage your investment home loan with Your Way Home Loan
Home loansBank updated 9 Sept 2026
At a glance
- Variable (investor P&I)
- 6.24%
- Max LVR
- 98%
- Features
- redraw
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableYour Way Basic Variable LVR up to 60%. 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 exam… | Investment · P&I | — | 0–60% LVR | 6.24% | 6.30% | — |
| VariableWhen Your Way Fixed rate loan matures with no further rollover to another fixed rate period the loan reverts to Your Way Variable Rollover rate | Investment · P&I | — | 0–95% LVR | 6.24% | 6.30% | — |
| VariableYour Way Standard Variable. 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… | Investment · P&I | — | 0–95% LVR | 8.74% | 8.81% | — |
| VariableYour Way Basic Variable LVR >60% - 70%. 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 exa… | Investment · P&I | — | 60–70% LVR | 6.24% | 6.30% | — |
| VariableYour Way Basic Variable LVR >70% - 80%. 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 exa… | Investment · P&I | — | 70–80% LVR | 6.24% | 6.30% | — |
| VariableYour Way Basic Variable LVR >80% - 90%. 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 exa… | Investment · P&I | — | 80–90% LVR | 6.74% | 6.81% | — |
| VariableYour Way Basic Variable LVR >90%. 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… | Investment · P&I | — | 90–98% LVR | 7.09% | 7.16% | — |
§ 02 — Fees · 8
| 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. |
| 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.),… |
| 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
RedrawDigital banking
- · Redraw available
- · Additional repayments available
- · Ability to split loan
- · Ability to switch in
- · Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance
- · Flexible repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens of permanent residents of Australia.
- · Available to individuals
- · Amount $25,000 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.
§ 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 9 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.