At a glance
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 8.88%, 8.91% comparison
- Variable (investor P&I)
- 9.28%
- Fixed
- 1 yr 6.44%, 2 yrs 6.44%, 3 yrs 6.54%
- Max LVR
- 95%
- Features
- offset, redraw, extra repayments
Rates
Every rate The Mutual Bank publishes for this home loan, 12 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%8.88%
- 1 yr fixedtypical 6.59%6.44%
- 2 yrs fixedtypical 6.62%6.44%
- 3 yrs fixedtypical 6.69%6.54%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedLVR up to 90%. | Investment, Interest only | 1 yr fixed | - | 6.64% | 9.00% | - |
| FixedLVR up to 90%. | Investment, Interest only | 2 yrs fixed | - | 6.64% | 8.74% | - |
| FixedLVR up to 90%. | Investment, Interest only | 3 yrs fixed | - | 6.74% | 8.54% | - |
| FixedLVR up to 90%. | Investment, P&I | 1 yr fixed | - | 6.64% | 9.00% | - |
| FixedLVR up to 90%. | Investment, P&I | 2 yrs fixed | - | 6.64% | 8.73% | - |
| FixedLVR up to 90%. | Investment, P&I | 3 yrs fixed | - | 6.74% | 8.52% | - |
| FixedLVR up to 95%. | Owner occupied, P&I | 1 yr fixed | - | 6.44% | 8.63% | - |
| FixedLVR up to 95%. | Owner occupied, P&I | 2 yrs fixed | - | 6.44% | 8.38% | - |
| FixedLVR up to 95%. | Owner occupied, P&I | 3 yrs fixed | - | 6.54% | 8.19% | - |
| VariableLVR up to 90%. | Investment, Interest only | - | - | 9.28% | 9.31% | - |
| VariableLVR up to 90%. | Investment, P&I | - | - | 9.28% | 9.31% | - |
| VariableLVR up to 95%. | Owner occupied, P&I | - | - | 8.88% | 8.91% | - |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, Investment, Interest only | 9.03% | 9.28% | up 0.25 |
| 15 Oct 2026 | Variable, Investment, P&I | 9.03% | 9.28% | up 0.25 |
| 15 Oct 2026 | Variable, Owner occupied, P&I | 8.63% | 8.88% | up 0.25 |
Each change is logged the night it appears in the rates Maitland Mutual Limited publishes. See how every lender answered the RBA on the rate tracker.
Fees
22 fees published, grouped by when they're charged.
When you take it out1
- LOAN_APPLICATION_FEE_HOME_LOAN_OR_EXPRESS_CREDIT
Payable to cover costs when you apply for a loan.
$300
When you make a transaction6
- AGENTS_COSTS
Amount not ascertainable. Payable to us or our solicitor or their agent when they attend to the registration of a discharge of mortgage at your request or when an agent is required to attend a settle…
Varies - BREAK_COSTS_HOME_LOANS
Amount not ascertainable. Payable to us when you are under the fixed rate option and, before the end of your fixed rate period, you convert to the variable rate option; or convert from one fixed rate…
Varies - INFORMATION_FEE
$1.00 per minute ($20.00 minimum fee). The fee will be calculated on the actual time spent retrieving and providing the information requested. Payable to us to provide information and that informatio…
$20 - PROGRESS_PAYMENT_FEE
Minimum $100 per progress payment. Payable to us if the loan is a building or construction loan. This fee will be payable whenever a progress payment is made on a building or construction loan.
$100 - VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION)
Not ascertainable. Payable for construction loan progress valuations.
Varies - VALUATION_FEE_CONSUMER_LOANS
Valuation fees are available upon enquiry. Payable in relation to each property to which a loan is secured, and may vary according to the location of the secured property. Initial valuation fee waive…
Varies
When particular things happen15
- BREAK_COSTS_ADMINISTRATION_FEE
Payable to us in addition to Break Costs
$300 - CHEQUE_ISSUING_FEE
Payable to us when a payment is made from your loan account by way of Financial Institution (FI) Cheque.
$2.50 - CONSENT_FEE
Per consent. Payable to us when you ask us to consent to leasing, subdividing or any other dealing in relation to the security property.
$200 - DEFAULT_ADMINISTRATION_FEE
Payable to us when the borrower (or security provider) has not performed an obligation on time including an obligation to pay money. This fee is payable monthly commencing one month after the obligat…
$50 - DISCHARGE_ADMINISTRATION_FEE
Per Security. Payable to us each time we release a security.
$200 - DISHONOUR_FEE
Payable to us when a payment (such as a direct debit, salary deduction or cheque) is dishonoured.
$9 - DUPLICATE_FEE
Per copied document. Payable to us when we provide a copy of a document.
$20 - DUPLICATE_STATEMENT_FEE
Per statement. Payable to us when we provide a copy of a statement at your request.
$7 - PHOTOCOPYING_FEE
Per sheet. Payable to us when we provide a photocopy of any document at your request.
$0.50 - PRODUCTION_FEE
Per document per production. Payable to us if, at your or a security provider's request, we produce a document to the Land and Property Information division of the NSW Department of Lands or its equi…
$200 - RENEGOTIATION_FEE
Per renegotiation. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options.
$300 - ROLLOVER_FEE
Per rollover. Payable to us when you go from one fixed rate period to another.
$200 - SECURITY_SUBSTITUTION_FEE
Per new security. Payable to us to substitute a new security for an existing one.
$300 - SETTLEMENT_FEE
Per settlement. Payable to us each time we or our solicitors attend settlement in connection with a security.
$150 - SWITCHING_FEE
Per switch. Payable to us when you convert from one interest rate option to another within your existing loan or if you elect to switch to another of our loan products
$300
Features
- Interest only options available
- Construction option available
- Variable and fixed interest rate options available
- Available for bridging purposes
- Split Loan
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or a permanent resident of Australia or otherwise approved
- Amount from $20,000, no maximum
- Maximum LVR 95%
- Secured by approved residential or rural lifestyle property
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Published by Maitland Mutual Limited under the Consumer Data Right, last changed by them on 14 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.