Advantage Home Loan OO Finder Campaign | Apply online

No establishment fee

Offset available for 0.10%p.a.⁴

Redraw available⁵

Choose a Home Loan that works for you

Manage your home loan the way you want with our low-interest rate variable home loan. It’s never been easier to select a home loan that works for you.

You’ll have unlimited repayments and unlimited redraws, with the option to add an offset⁴ account to the loan. You also have the option to split this loan with one of our low fixed-rate loans.

Competitive interest rate
Offset available for 0.10%p.a.⁴
$0 establishment fee
$0 monthly fee
Unlimited redraws⁵ and extra repayments

Whether you’re buying your first home, a new home or looking to refinance to a better rate, we’re here to help you save.*

Call 1300 364 400

Owner Occupied (Principal & Interest)

	Interest Rate	Comparison Rate²
Advantage Home Loan (Without offset)	5.79% p.a.	5.84% p.a.

Product Features:

Home Loan Features
Minimum loan amount :	No minimum**
Maximum LVR :	80% (dependant on loan purpose and security offered)
Maximum LVR with Lenders Mortgage Insurance :	95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) :	Yes
Maximum loan term :	30 years
Interest calculation :	Calculated daily, charged monthly
Repayment type :	Principal & Interest :- weekly, fortnightly or monthly; Interest Only :- monthly
Repayment frequency :	Weekly, fortnightly or monthly
Establishment fee :	$0
Monthly loan fee :	$0
Extra repayments :	Unlimited
Interest offset :	Yes
Redraw :	Yes
Loan preparation fees :	At cost
Increase/top up :	Yes

Additional Information

Apply now in under 15 minutes

You will need to know your income details, expenses and existing loans and commitments

Still have questions?

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1300 364 400

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Experience the G&C Mutual Bank difference

Established in 1959, G&C Mutual Bank has since grown to be one of Australia’s strongest member-owned financial institutions. We are a member focused, values-driven organisation where member interests are not in conflict with shareholder interests. We’re a bank for you, the people you work with, and the people you know. A more rewarding community bank for everybody. It's your bank, because you own it.

* Only available for new home loan and refinance applications, or for existing Unity Bank and G&C Mutual Bank home loan members who add an additional $50,000 to their existing home loan balance and have a minimum current loan amount of $250,000. Existing home loan members do not need to add an additional balance to switch to a new fixed loan.

** For existing Unity Bank and G&C Mutual Bank home loan members, a minimum current loan amount of $250,000 is required plus an additional $50,000 added to the existing home loan balance. Existing home loan members do not need to add an additional balance to switch to a new fixed loan.

Footnotes:

¹ Eligibility criteria, terms and conditions and fees and charges apply.
² Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
⁴ An offset account is optional. The inclusion of an offset account increases the home loan interest rate by 0.10%.
⁵ Minimum redraw amount of $100 applies.

Manage your home loan the way you want