Members are advised of scheduled maintenance occurring between 1:00am to 2:00am on Monday 29th April. During this time disruption is expected to SMS One Time Password, limiting certain transactions in Online Banking including adding a new payee, payments to new payees and international transfers. We apologise for any inconvenience.
No establishment fee
100% offset account
Redraw available4
Refinance with G&C Mutual Bank
If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. You might be looking to consolidate your debts, unlock the equity in your home, or just be searching for a better deal.
Make your move and refinance with our Momentum Home Loan.
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.
Ready to talk about refinancing?
How much could you save?
Enquire now to speak with our specialists.
Ready to refinance with G&C Mutual Bank?
Apply now and begin your refinance journey with us.
Momentum Home Loan overview
Owner Occupied (Principal & Interest)
| LVR Thresholds | Interest Rate | Comparison Rate2 |
| Less than 60% LVR | 5.90% p.a. | 5.93% p.a. |
| Between 60 - 80% LVR | 6.00% p.a. | 6.03% p.a. |
| Greater than 80% LVR | 6.10% p.a. | 6.13% p.a. |
Product Features:
Home Loan Features |
|
|---|---|
| Minimum loan amount : | $100,000 |
| 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 |
| Repayment frequency : | Weekly, fortnightly or monthly |
| Establishment fee : | $0 |
| Monthly loan fee : | $0 |
| Package fee : | $0 |
| Extra repayments : | Unlimited |
| Interest offset : | Yes |
| Redraw : | Yes |
| Pre-approval : | N/A |
| Loan preparation fees : | At cost |
| Increase/top up : | Yes |
| Second mortgage security : | Yes |
| Vacant land as sole security : | 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 ready to help you. Call us 9:00am - 5:00pm, weekdays
Or send us a quick message
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.
Our awards
Our Momentum Home Loan has achieved great success being independently recognised by finance industry experts Mozo and RateCity for achieving great value, flexibility and innovative features.
Eligibility criteria, terms & conditions and fees & charges apply. New refinance applications only. Not available for refinance of existing G&C Mutual Bank loans.
*Special offer only available for new refinance applications. Not available for refinance of existing G&C Mutual Bank Loans. Offer may be amended or withdrawn at any time.
