Love your home but not your loan?

If you purchased your investment property 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 property, 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

Principal & Interest / Interest Only
Property Investor LVR <60% Special Offer*

6.30 % p.a. Interest rate 6.33 % 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. 

Property Investor (Principal & Interest and Interest Only)

LVR Thresholds Interest Rate Comparison Rate2
Less than 60% LVR 6.30% p.a.   6.33% p.a.  
Between 60 - 80% LVR 6.40% p.a.   6.43% p.a.  
Greater than 80% LVR 6.50% p.a.   6.53% 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 : 90% (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; Interest Only
Repayment frequency : Principal & Interest :- weekly, fortnightly or monthly; Interest Only :- 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 Finder 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 Offer may be amended or withdrawn at any time.