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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First Home Premium Package – Owner Occupied

Our all in one package for first home buyers makes it easy, plus you can save when you combine a home loan, credit card and transaction account. Available for Owner Occupiers only.

No establishment fee
No monthly service fee on transaction account
100% offset account

2.79%p.a. Interest rate
2.79%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 repayments won't change during the fixed rate period.

Make extra repayments of up to 5% of the loan balance per annum
Flexible repayment options
Fixed interest rates starting from:

2.99%p.a. Interest rate
3.02%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.

Make extra repayments of up to 5% of the loan balance per annum
Flexible repayment options
Fixed interest rates starting from:

3.29%p.a. Interest rate
3.32%p.a.
Comparison rate

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Basic Home Loan

A simple, low interest rate variable home loan, so you’re not paying more for extra features you may not want or need. Available for Owner Occupied home loans only.

Redraw available
Unlimited extra repayments
Flexible repayment options

3.34%p.a. Interest rate
3.37%p.a.
Comparison rate

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Basic Investor Home Loan

A simple, low interest rate variable home loan, so you’re not paying more for extra features you may not want or need. Available for Property Investor purposes, Principal and Interest only.

Redraw available
Unlimited extra repayments
Flexible repayment options

3.92%p.a. Interest rate
3.95%p.a.
Comparison rate

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Retirees Access Home Loan

Reverse mortgage specifically designed to assist those who have reached, or are nearing, retirement age and own their home but have little cash for everyday living or things such as home renovations, an overseas holiday or a new car.

Enables retired or semi retired people to access the equity in their home
Receive the funds in one lump sum and use the money for any suitable purpose
Enables borrowers to remain in their home while being able to maintain a more comfortable lifestyle in retirement

5.47%p.a. Interest rate
5.50%p.a.
Comparison rate

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Additional Information

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First home buyers - is now the time to buy?

How to save for your first home

Minimum redraw amount of $100 and $30 service fee applies.

Footnotes:

¹ Eligibility criteria, terms & conditions and fees & charges apply. Maximum loan to valuation ratio 80% without Lender’s Mortgage Insurance. Available for new First Home Premium Package home loans from 2nd October 2019 and for existing First Home Premium Package home loans from 1st November 2019.
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 Eligibility criteria, terms & conditions and fees & charges apply.
⁴ Offset account not available on this product.
⁵ 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.
⁶ 1 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates.
⁷ 1 year Fixed Rate Principal & Interest Property Investor Home Loan. Refer to interest rate schedule for full list of interest rates.
⁸ Eligibility criteria, terms & conditions and fees & charges apply. Minimum loan amount $100,000. Establishment fee $500. Maximum loan to valuation ratio 80%. Offset account not available on this product.
⁹ Eligibility criteria, terms & conditions and fees & charges apply. Minimum loan amount $100,000. Establishment fee $500. Maximum loan to valuation ratio 75%. Offset account not available on this product.
¹⁰ 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.