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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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

3.49%p.a. Interest rate
3.52%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

4.07%p.a. Interest rate
4.10%p.a.
Comparison rate

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First Home Premium Package – Owner Occupied

An all in one package for first home buyers that allows you to save when you combine a home loan, credit card and transaction account.

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

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

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Get Ahead Start Home Loan

The Get Ahead Start Home Loan is a way for a family member to help you get started and is a great option if you are looking to buy your first home, but need a little extra help.

Borrow up to 100% of the purchase price of the property, plus additional associated costs
Reduce or avoid paying Lenders' Mortgage Insurance
Available for both investors and owner-occupiers

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Premium Home Loan Package - Owner Occupied

An all in one package that allows you to save when you combine a home loan, credit card and transaction account.

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

3.89%p.a. Interest rate
3.92%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. Minimum loan amount $100,000. Establishment fee $500. Maximum loan to valuation ratio 80%. Offset account not available on this product.
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. Minimum loan amount $100,000. Establishment fee $500. Maximum loan to valuation ratio 75%. Offset account not available on this product.
⁴ Eligibility criteria, terms & conditions and fees & charges apply. Maximum loan to valuation ratio 80% without Lender’s Mortgage Insurance. You must direct your whole pay amount to the First Home Premium Transaction Account each pay day, or deposit a minimum of $2,000 each month, to qualify for ongoing transaction fee exemption.
⁵ Eligibility criteria, terms & conditions and fees & charges apply.