Choice 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

Call 1300 364 400

Owner Occupied (Principal & Interest)

	Interest Rate	Comparison Rate²
Choice Home Loan (Without offset)	6.74% p.a.	6.77% 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

Home loan calculators

Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.

View all calculators

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.

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 and $30 service fee applies.

Manage your home loan the way you want