Refinance | Owner Occupied Home Loans | Apply Online

Taking out a home loan is often your most significant financial decision, but it is easy to just keep making repayments without reviewing your options over time. If your circumstances have changed or you are looking for a better deal, we’re here to support you so you can make your move.

Momentum Home Loan

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.

No establishment fee
100% offset
Redraw available

1.99%p.a. Interest rate
2.01%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.

Certainty of a fixed repayment
Flexible repayment options - weekly, fortnightly, or monthly
Split loan available - fix all or part of your loan

2.19%p.a. Interest rate
2.24%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.

Flexible repayment options
Unlimited extra repayments
Redraw available

3.19%p.a. Interest rate
3.25%p.a.
Comparison rate

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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

3.59%p.a. Interest rate
3.99%p.a.
Comparison rate

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Standard Variable Home Loan - Owner Occupied

A flexible home loan with an interest rate that changes as the market does.

Get Ahead Start Guarantor option
Unlimited extra repayments
Redraw available

4.50%p.a. Interest rate
4.56%p.a.
Comparison rate

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Equity Line – Owner Occupied

A line of credit set up using the equity in your home, which can be used at any time to help manage day to day expenses.

Entire salary can be credited into this loan reducing the interest
Line of credit can be topped up to approved limit at any time

5.04%p.a. Interest rate

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Additional Information

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Saving for your deposit: how to get there faster

How home loan pre-approval can help you

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 Eligibility criteria, terms & conditions and fees & charges apply. New refinance applications only. Not available for refinance of existing G&C Mutual Bank loans. Lenders Mortgage Insurance will be required if you borrow over 75% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 75% LVR). Maximum LVR 95%
³ Momentum Home Loan Principal & Interest Owner Occupied LVR <60%. Other rates apply for LVRs >60%.
⁴ 1 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates.
⁵ 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.
⁶ Eligibility criteria, terms & conditions and fees & charges apply.

Refinance - Owner Occupied

Momentum Home Loan

Fixed Rate Home Loan - Owner Occupied

Basic Home Loan

Premium Home Loan Package - Owner Occupied

Standard Variable Home Loan - Owner Occupied

Equity Line – Owner Occupied

We're ready to help you

Saving for your deposit: how to get there faster

How home loan pre-approval can help you

Footnotes: