Refinance with G&C Mutual Bank

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.

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.

Flexible repayment frequency
Extra repayments available
Redraw available

5.30%p.a. Interest rate
5.38%p.a.
Comparison rate

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Momentum Home Loan - Owner Occupied

If you purchased your home a few years ago, your financial situation may have changed. Consolidating debts, unlocking equity, or just searching for a better deal.

No establishment fee
100% offset
Redraw available

5.49%p.a. Interest rate
5.53%p.a.
Comparison rate

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Advantage Home Loan - Owner Occupied

Manage your home loan the way you want with our low variable interest rate home loan. Choose what’s right for you with the flexibility of an optional offset account.

Competitive interest rate
Optional 100% offset
$0 establishment fee

5.79%p.a. Interest rate
5.84%p.a.
Comparison rate

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Additional Information

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Changes to our incorporated name

Updated Terms and Conditions – July 2025

Refinance with Momentum Home Loan Owner Occupied (P&I) LVR <60% 5.49 % p.a. Interest rate 5.53 % p.a. Comparison rate

Footnotes:

¹ Eligibility criteria, terms & conditions and fees & charges apply. 2 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates. 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 and conditions and fees and 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 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR). Maximum LVR 95%
⁴ Offer may be amended or withdrawn at any time.
⁵ Momentum Home Loan Principal & Interest Owner Occupied LVR <60%. Other rates apply for LVRs >60%.
⁶ Minimum redraw amount of $100 applies.
⁷ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
⁸ An offset account is optional. The inclusion of an offset account increases the home loan interest rate by 0.10%.
⁹ Eligibility criteria, terms and conditions and fees and charges apply.

Refinance - Owner Occupied