G&C Mutual Bank
G&C Mutual Bank

5 Year Fixed Rate Mortgage - Owner Occupied (IO)

Fixed Rates: All Terms (p.a.)
Term Fixed Rate Comparison Rate*
5 Year 3.19% 3.22%
Key Features
Loan Type
Min Loan
Max Loan
Application Fee
Borrow upto
of property value
Ongoing fee
Redraw Facility
Offset Account

Loan Details

Loan Type Fixed
Security Type ResidentialProperty
Availability Owner Occupiers
Repayment Options Interest Only
Repayment Frequency Monthly
Min Loan Term 1
Max Loan Term 30
Max Loan to Value Ration (LVR) 80%
Max LVR with Mortgage Insurance 95%
Min Loan Amount $0.00
Max Loan Amount $20,000,000.00
Interest Rate Notes
Unless otherwise requested by the member before the end of the fixed rate period, the loan will continue as a fixed rate loan for the same period as was originally contracted (based on the applicable rate as at the end of the initial (or any subsequent) fixed interest period)


Extra Repayments
Loan is Transferable (Portable)
Transfer Fee $200.00
Mortgage Offset Available
Mortgage Offset 100%
Mortgage Offset Rate -%
Redraw Available
Min Redraw Amount $100.00
Max Redraw Amount -
Redraw Fee $30.00
Redraw Notice Period
Redraw Method
Redraw Notes & Comments

Split Account

Split Available
Max No. of Accounts for Split n/a
Separate Statements for Split
Statement Frequency
Fixed Option
Fee for Fixing n/a


Application Fee $500.00
Legal Fee $0.00
Valuation Fee $0.00
Settlement Fee $0.00
Service Fee $0.00
Exit Fee $300.00
Early Termination Fee

Break Costs

This fee varies based on a number of factors and is calculated upon request.

General Fee Notes:

Legal fee, valuation fee, Settlement fee "at cost". No top up allowed during fixed period.

General Notes:

*The comparison rates in this table are based on a secured loan amount of $150,000 and a term of 25 years. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates are not calculated for revolving credit products.