Your Way Fixed Rate Home Loan
Stay in control with the ability to adapt your loan as your needs change. Lock in a rate for upto 5 years with our Fixed Rate option.
- From (owner occupied)
- 6.49%
- 6.2% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Fixed Rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 | 6.49% | 6.2% | — |
| Fixed · 2 years Fixed Rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 | 6.59% | 6.25% | — |
| Fixed · 3 years Fixed Rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 | 6.69% | 6.33% | — |
| Fixed · 4 years Fixed Rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 |
Fees
| Fee | Type | Amount |
|---|---|---|
| ESTABLISHMENT_FEE Fee includes the cost of preparing standard documents, 1 automated valuation model or desktop valuation (Please note: if a Full Valuation is required, the Fee for Full Valuation is a separate fee.), 3 title searches and settlement attendance. | Upfront | $600.00 |
| MORTGAGE_DISCHARGE For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost. | Exit | $250.00 |
| LOAN_VARIATION_FEE Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us. | Event | $200.00 |
| LEGAL_FEES At cost. For third party professional services used in the preparation of non-standard documents. At Cost. | Upfront | $0.00 – $9,999,999.00 |
| LENDERS_MORTGAGE_INSURANCE At cost. If you have less than the required deposit, we may ask you to pay Lender's Mortgage Insurance (LMI). LMI protects the bank in cases of default. The LMI premium is not a bank fee. At Cost. | Upfront | $0.00 – $9,999,999.00 |
| LOAN_ADMINISTRATION_FEE Payable for the processing and assessing of your home loan application and the preparation of your loan. Payable at the time of settlement/funding of your loan. |
Features
- Ability to split loan
- Ability to switch in
- Ability to Top Up
- Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance
- Redraw facility
- A fee free redraw facility to access additional repayments you've made. Redraw is subject to application and registration.
- Flexible repayments
- Digital banking
- 24/7 access via internet banking, mobile app, phone banking
Eligibility
- You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.
- Residency status — Individuals must be citizens of permanent residents of Australia.
- Individuals only
- Minimum age — 18 years
- All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
Constraints
- Minimum limit — $25,000.00Minimum loan amount is $25,000.
- Minimum LVR — 0%Minimum LVR is 0%
- Maximum LVR — 9800%Maximum LVR is 98%
More Information
Published by Australian Mutual Bank LTD under the Consumer Data Right · Last updated 12 July 2026 · Product ID fdbf226c-1e70-11f1-a618-325096b39f47 · View on CDR.gov.au · View Source Data (JSON)