First Home Buyer Loan OO Finder | Apply online

Competitive interest rate

100% offset account

Unlimited redraws⁵and extra repayments

Get started with G&C Mutual Bank

Take control of your first home purchase with our low-interest rate variable home loan. Everything you need is here to get you started, making it easier than ever to begin your home ownership journey.

Competitive interest rate
100% offset account
$0 establishment fee
$0 monthly fee
Unlimited redraws⁵ and extra repayments

Special Offer

For a limited time, we’ll waive up to $1000 of the valuation fees.* It all adds up to simply great value.

Owner Occupied (Principal & Interest)

	Interest Rate¹	Comparison Rate²
First Home Buyer Loan	4.99% p.a.	5.04% p.a.

Product Features:

Home Loan Features
Minimum loan amount :	No minimum
Maximum LVR :	80%
Maximum LVR with Lenders Mortgage Insurance :	95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) :	Yes
Maximum loan term :	40 years
Interest calculation :	Calculated daily, charged monthly
Repayment type :	Principal & Interest only
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

Apply now in under 15 minutes

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

Still have questions?

Our friendly team is here to help. Call us Monday to Friday, 9.00am - 5.00pm (AEST)

Call 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.

Additional Information

^*Special offer only available for new security. Not available for existing G&C Mutual Bank loans. Offer ends 14 December 2025 and may be amended or withdrawn at any time.

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 Unless approved under the Home Guarantee Scheme, Lenders 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). No top up available under the Home Guarantee Scheme
⁴ Available when one or more applicants are aged 30 years or less. Maximum loan term of up to 30 years (plus up to 3 years to build a new home) under the Home Guarantee Scheme.
⁵ Minimum redraw amount of $100 applies.

Take control of your first home purchase