Australian Mutual Bank
Your Way Fixed Rate Home Loan
Stay in control with the ability to adapt your loan as your needs change. Lock in a rate for up to 5 years with our Fixed Rate option.
Home loansBank updated 2 Sept 2026
At a glance
- Fixed
- 1 yr 6.49% · 2 yrs 6.59% · 3 yrs 6.69% · 4 yrs 6.79% · 5 yrs 6.84%
- Max LVR
- 98%
- Features
- redraw
§ 01 — Rates · 5
| 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… | Owner occupied · P&I | 1 yr fixed | — | 6.49% | 6.20% | — |
| 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… | Owner occupied · P&I | 2 yrs fixed | — | 6.59% | 6.25% | — |
| 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… | Owner occupied · P&I | 3 yrs fixed | — | 6.69% | 6.33% | — |
| 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… | Owner occupied · P&I | 4 yrs fixed | — | 6.79% | 6.41% | — |
| 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… | Owner occupied · P&I | 5 yrs fixed | — | 6.84% | 6.49% | — |
§ 02 — Fees · 9
| 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.),… |
| 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
RedrawDigital banking
- · Ability to split loan
- · Ability to switch in
- · Ability to Top Up
- · 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
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Published by Australian Mutual Bank LTD under the Consumer Data Right, last changed by them on 2 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.