The Mutual Bank Home Loan Rates & Review

The Mutual Bank Home Loans as of June 2026

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare
The Mutual Bank	The Mutual Bank Budget Home Loan (OO,PI LVR 60%)	5.99% p.a.	5.99% p.a.	$2,995	Principal & Interest	Variable	$0	$0	60%	Owner Occupier Variable Principal & Interest 40% Min Deposit Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Budget Home Loan (OO,PI LVR 60% - 80%)	6.19% p.a.	6.19% p.a.	$3,059	Principal & Interest	Variable	$0	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed OO (1 year)	6.34% p.a.	6.88% p.a.	$3,108	Principal & Interest	Fixed	$395	$0	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed OO (2 years)	6.34% p.a.	6.86% p.a.	$3,108	Principal & Interest	Fixed	$395	$0	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( OO,PI, LVR 60% - 80%)	6.44% p.a.	6.80% p.a.	$3,141	Principal & Interest	Variable	$395	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( OO,PI, LVR 60%)	6.44% p.a.	6.80% p.a.	$3,141	Principal & Interest	Variable	$395	$0	60%	Owner Occupier Variable Principal & Interest 40% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( OO,PI, LVR 80% - 90%)	6.44% p.a.	6.80% p.a.	$3,141	Principal & Interest	Variable	$395	$0	90%	Owner Occupier Variable Principal & Interest 10% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed OO (3 years)	6.44% p.a.	6.87% p.a.	$3,141	Principal & Interest	Fixed	$395	$0	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan Fixed OO (1 year)	6.44% p.a.	8.41% p.a.	$3,141	Principal & Interest	Fixed	$0	$700	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan Fixed OO (2 years)	6.44% p.a.	8.19% p.a.	$3,141	Principal & Interest	Fixed	$0	$700	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed INV (1 year)	6.54% p.a.	7.25% p.a.	$3,174	Principal & Interest	Fixed	$395	$0	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed INV (2 years)	6.54% p.a.	7.21% p.a.	$3,174	Principal & Interest	Fixed	$395	$0	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed INV,IO (1 year)	6.54% p.a.	7.25% p.a.	$2,725	Interest-only	Fixed	$395	$0	80%	Investor Fixed 1 Year Interest-only 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed INV,IO (2 years)	6.54% p.a.	7.21% p.a.	$2,725	Interest-only	Fixed	$395	$0	80%	Investor Fixed 2 Years Interest-only 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan Fixed OO (3 years)	6.54% p.a.	8.02% p.a.	$3,174	Principal & Interest	Fixed	$0	$700	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed INV (3 years)	6.64% p.a.	7.21% p.a.	$3,207	Principal & Interest	Fixed	$395	$0	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan Fixed INV,IO (3 years)	6.64% p.a.	7.20% p.a.	$2,767	Interest-only	Fixed	$395	$0	80%	Investor Fixed 3 Years Interest-only 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan Fixed INV (1 year)	6.64% p.a.	8.78% p.a.	$3,207	Principal & Interest	Fixed	$0	$700	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan Fixed INV (2 years)	6.64% p.a.	8.54% p.a.	$3,207	Principal & Interest	Fixed	$0	$700	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Budget Home Loan (INV,PI LVR 60% - 80%)	6.69% p.a.	6.69% p.a.	$3,223	Principal & Interest	Variable	$0	$0	80%	Investor Variable Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Budget Home Loan (INV,PI LVR 60%)	6.69% p.a.	6.69% p.a.	$3,223	Principal & Interest	Variable	$0	$0	60%	Investor Variable Principal & Interest 40% Min Deposit Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan Fixed INV (3 years)	6.74% p.a.	8.35% p.a.	$3,240	Principal & Interest	Fixed	$0	$700	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( INV, IO LVR 80%)	6.84% p.a.	7.17% p.a.	$2,850	Interest-only	Variable	$395	$0	80%	Investor Variable Interest-only 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( INV,PI, LVR 60% - 80%)	6.84% p.a.	7.20% p.a.	$3,273	Principal & Interest	Variable	$395	$0	80%	Investor Variable Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( INV,PI, LVR 60%)	6.84% p.a.	7.20% p.a.	$3,273	Principal & Interest	Variable	$395	$0	60%	Investor Variable Principal & Interest 40% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Package Home Loan ( INV,PI, LVR 80% - 90%)	6.84% p.a.	7.20% p.a.	$3,273	Principal & Interest	Variable	$395	$0	90%	Investor Variable Principal & Interest 10% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Budget Home Loan (OO,PI LVR 80%-95%)	7.08% p.a.	7.08% p.a.	$3,353	Principal & Interest	Variable	$0	$0	95%	Owner Occupier Variable Principal & Interest 5% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mutual Bank	The Mutual Bank Budget Home Loan (INV,PI LVR 80% - 90%)	7.48% p.a.	7.48% p.a.	$3,489	Principal & Interest	Variable	$0	$0	90%	Investor Variable Principal & Interest 10% Min Deposit Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan OO	8.63% p.a.	8.66% p.a.	$3,891	Principal & Interest	Variable	$0	$700	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare
The Mutual Bank	The Mutual Bank Express Credit Facility	8.64% p.a.	–	$3,894	Principal & Interest	Variable	$0	$0	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit More details	More details	Compare
The Mutual Bank	The Mutual Bank Standard Home Loan INV	9.03% p.a.	9.06% p.a.	$4,034	Principal & Interest	Variable	$0	$700	80%	Investor Variable Principal & Interest 20% Min Deposit Offset Redraw More details	More details	Compare

More home loans

Bare Home Loan (Basic OO P&I <90%)

Product Features

No application, ongoing monthly or annual fees.
Extra repayments allowed with fee-free redraw

Monthly repayments: $3,011

6.04% Advertised Rate (p.a.)

6.08% Comparison Rate (p.a.)

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Important Information and Comparison Rate Warning

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For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

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The Mutual Bank Home Loans