Love your home but not your loan, why not refinance your home loan with us?

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.


  • No establishment fee
  • 100% offset account
  • Redraw available4
  • Unlimited extra repayments


We understand that refinancing your can seem daunting. That's why we developed this guide, Refinancing your home loan, to help you get started. By defining key terms to eliminate confusing jargon and providing additional information this guide will help you better understand the benefits of refinancing and help you switch home loans as easily as possible.

Principal & Interest
Owner Occupied LVR <60% Special Offer*

5.90 % p.a. Interest rate 5.93 % p.a. Comparison rate

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. 

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

Home loan calculators

Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.

Our awards

Our Momentum Home Loan has achieved great success being independently recognised by finance industry experts RateCity and Mozo 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.