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Certainty of a fixed repayment

Flexible repayment options

Split loan available

Relax and enjoy the security of a fixed rate.

Fix your rate* for up to five years with our Fixed Rate Home Loans, providing you with the certainty of knowing your repayments won't change during the fixed rate period. This can help you to confidently manage your budget and plan for the future, so you can spend more of your time enjoying it.

 

  • Flexible repayment options - weekly, fortnightly, or monthly
  • Extra repayments of up to 5% of the loan balance per annum
  • Redraw available4
  • Get Ahead Start Guarantor option
Fixed Term Repayment Type Interest Rate Comparison Rate
1 year Principal and Interest 6.05% p.a. 6.11% p.a.
2 years Principal and Interest 6.05% p.a. 6.11% p.a.
3 years Principal and Interest 5.80% p.a. 5.86% p.a.
4 years Principal and Interest 6.10% p.a. 6.16% p.a.
5 years Principal and Interest 6.15% p.a. 6.21% p.a.
1 year Interest Only 6.25% p.a. 6.30% p.a.
2 years Interest Only 6.25% p.a. 6.30% p.a.
3 years Interest Only 6.25% p.a. 6.30% p.a.
4 years Interest Only 6.30% p.a. 6.35% p.a.
5 years Interest Only 6.35% p.a. 6.40% 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; Interest Only
Repayment frequency : Principal & Interest :- weekly, fortnightly or monthly; Interest Only :- monthly
Establishment fee : $500
Monthly loan fee : $0
Package fee : $0
Extra repayments : Up to 5% of the loan balance per annum
Interest offset : No
Redraw : Yes
Pre-approval : Yes
Loan preparation fees : At cost
Increase/top up : Not during fixed period
Second mortgage security : Yes
Vacant land as sole security : 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

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

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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.

*At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.

Footnotes:

Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review G&C Mutual Bank's Terms and Conditions before acquiring the product. 

Terms & Conditions   |   Fees & Charges 

G&C Mutual Bank Limited | ABN 72 087 650 637 | AFSL & Australian Credit Licence 238311

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