Home Loans | Apply Online | G&C Mutual Bank

Regardless of whether you are looking to buy your first home, your next home, an investment property, or even to refinance, we have a range of home loans to choose from. Navigating the jargon and the buying process can feel overwhelming, but we’re here to support you on your home ownership journey so you can make your move.

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Essential Worker Home Loan - Owner Occupied

Essential Worker Home Loan is a low interest variable rate home loan specifically designed to support essential workers to own their own home

No establishment fee
100% offset account
Redraw available

6.04%p.a. Interest rate
6.07%p.a.
Comparison rate

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Fixed Rate Home Loan - Owner Occupied

The security of a fixed rate, providing you with the certainty of knowing your home loan repayments won't change during the fixed rate period.

Flexible repayment frequency
Pay up to an extra 5% of the loan balance p.a.
Redraw available

6.05%p.a. Interest rate
6.11%p.a.
Comparison rate

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First Home Buyer Loan - Owner Occupied Special Offer

Knowing where to start can be the biggest hurdle. Get the step up you need with our comprehensive First Home Buyer Loan.

Competitive interest rate
100% offset account
Up to 40 year term available

6.19%p.a. Interest rate
6.22%p.a.
Comparison rate

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Fixed Rate Home Loan - Property Investor

The security of a fixed rate, providing you with the certainty of knowing your home loan repayments won't change during the fixed rate period.

Flexible repayment frequency
Pay up to an extra 5% of the loan balance p.a.
Redraw available

6.25%p.a. Interest rate
6.31%p.a.
Comparison rate

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Choice Home Loan - Owner Occupied

Manage your home loan the way you want with our low variable interest rate home loan. Choose what’s right for you with the flexibility of an optional offset account.

Competitive interest rate
Optional 100% offset
$0 establishment fee

6.74%p.a. Interest rate
6.77%p.a.
Comparison rate

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Choice Home Loan - Property Investor

Invest in a home loan the way you want with our low variable interest rate home loan. Choose what’s right for you with the flexibility of an optional offset account.

Competitive interest rate
Optional 100% offset
$0 establishment fee

7.04%p.a. Interest rate
7.07%p.a.
Comparison rate

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Retirees Access Home Loan

A reverse mortgage is designed to assist those around retirement age who own their home, but have little cash for everyday living, home renovations, an overseas holiday or a new car.

Access the equity in your home
Receive the funds in one lump sum
Remain in your home while maintaining a comfortable lifestyle

9.22%p.a. Interest rate
9.30%p.a.
Comparison rate

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Additional Information

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G&C Interest Rate Changes – November 2023

Footnotes:

¹ 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.
² Minimum redraw amount of $100 and $30 service fee applies.
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 Eligibility criteria, terms and conditions and fees and charges apply. Available when at least one borrower meets essential worker criteria as a frontline ambulance officer, paramedic, firefighter, police officer, corrective services officer, nurse, aged care or disability worker, teacher, early childhood educator, defence or military personnel. For new security or new refinance applications only. Not available for existing G&C Mutual Bank Loans.
⁵ Overtime and shift allowances - 100% may be used in serviceability if the borrowers’ employment is in the essential services industry (e.g. Ambulance, Police Service, firefighters, supermarket workers, Nursing, aged care and disability workers and Corrective Services.
⁶ Eligibility criteria, terms & conditions and fees & charges apply. 1 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates. Offset account not available on this product.
⁷ Eligibility criteria, terms and conditions and fees and charges apply.
⁸ 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.
⁹ Offset account not available on this product.
¹⁰ 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.
¹¹ Eligibility criteria, terms & conditions and fees & charges apply. 1 year Fixed Rate Principal & Interest Property Investor Home Loan. Refer to interest rate schedule for full list of interest rates. Offset account not available on this product.
¹² An offset account is optional. The inclusion of an offset account increases the home loan interest rate by 0.10%.
¹³ Borrowers' estate or its beneficiaries will not be liable for any residual debt following the sale of the property, provided the terms and conditions of the loan have been met.