Teachers Mutual BankYour Way Fixed Rate Home Loan Investor
Get the flexibility you need to manage your investment. Lock in a rate for up to 5 years with our Your Way Fixed Rate option.
At a glance
- Max LVR
- 98%
Rates
Every rate Teachers Mutual Bank publishes for this home loan, 5 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- 1 yr fixed6.64%
- 2 yrs fixed6.94%
- 3 yrs fixed7.04%
- 4 yrs fixed7.19%
- 5 yrs fixed7.19%
| 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 | - | 6.64% | 6.57% | - |
| 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 | - | 6.94% | 6.65% | - |
| 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 | - | 7.04% | 6.71% | - |
| 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 | - | 7.19% | 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 | - | 7.19% | 6.87% | - |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 26 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed | 6.64% | 6.94% | up 0.30 |
| 26 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed | 6.74% | 7.04% | up 0.30 |
| 26 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed | 6.89% | 7.19% | up 0.30 |
| 26 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed | 6.89% | 7.19% | up 0.30 |
Each change is logged the night it appears in the rates Teachers Mutual Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
15 fees published, grouped by when they're charged.
- When you take it outUp to $6008 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it offUp to $2502 fees, each listed below
When you take it out8
- 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 - FEE_FOR_FULL_VALUATION
A Full Valuation is where our external valuer physically attends the property to be mortgaged. The mortgage is our security for the loan. If we require a Full Valuation for more than one property, th…
$0 to $400 - 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 - REGISTRATION_FEE
At cost. A government charge, payable if and when there is a need to register, transfer or discharge an interest on the Certificate of Title. At Cost.
$0 to $9,999,999 - 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
When you make a transaction1
- TITLE_SEARCH
Fee applies for additional title searches that may be required in addition to those already included in the Establishment fee and Top up fee. At Cost.
$1
When particular things happen3
- ADDITIONAL_SECURITY_FEE
Fee applies for each additional security taken.
$120 - DEFAULT_NOTICE_FEE
Payable when we send you a default notice asking you to remedy a default under your credit contract.
$25 - 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 off2
- BREAK_FEE_(HOME_LOAN)
At cost. Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan (except where additional payment threshold applies), you switch from th…
$0 to $9,999,999 - 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
- 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
Eligibility and limits
- Minimum age 18
- Residency: Individuals must be citizens of permanent residents of Australia.
- Available to individuals
- Amount from $25,000, 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.
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Published by Teachers Mutual Bank under the Consumer Data Right, last changed by them on 8 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.