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Competitive interest rate
100% offset account
Unlimited redraws5 and 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 have a number of home loan special offers* featuring a low interest rate and valuation fees waived up to $1000. It all adds up to simply great value.
Owner Occupied (Principal & Interest)
| Interest Rate1 | Comparison Rate2 | |
| First Home Buyer Loan | 5.90% p.a. | 5.93% 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 |
Home loan calculators
Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.
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 ready to help you. Call us 9:00am - 5:00pm, weekdays
Or send us a quick message
Our awards
Our First Home Buyer Loan has achieved great success being independently recognised by finance industry experts Canstar and Mozo, for achieving great value, flexibility and innovative features.
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.
*Special offer only available for new security. Not available for existing G&C Mutual Bank loans. Offer may be amended or withdrawn at any time.
