---
title: "Express Credit Facility — Maitland Mutual Limited"
description: "Home Loans from Maitland Mutual Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Express_Credit_Facility
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-17T13:22:20.000+10:00
---

# Express Credit Facility — Maitland Mutual Limited

> Home Loans from Maitland Mutual Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · The Mutual Bank**

A line of credit facility. Use the equity in your home and draw up to your approved credit limit.

## At a glance

- **From (investment):** 8.64% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 8.64% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CHEQUE_ISSUING_FEE — Payable to us when a payment is made from your loan account by way of Financial Institution (FI) Cheque. | Event | $2.50 |
| CONSENT_FEE — Per consent. Payable to us when you ask us to consent to leasing, subdividing or any other dealing in relation to the security property. | Event | $200.00 |
| DEFAULT_ADMINISTRATION_FEE — Payable to us when the borrower (or security provider) has not performed an obligation on time including an obligation to pay money. This fee is payable monthly commencing one month after the obligation should have been performed and up to and including the month in which the obligation is performed. We debit these fees to your loan account each month until the default is remedied. | Event | $50.00 |
| DISCHARGE_ADMINISTRATION_FEE — Per Security. Payable to us each time we release a security. | Event | $200.00 |
| DISHONOUR_FEE — Payable to us when a payment (such as a direct debit, salary deduction or cheque) is dishonoured. | Event | $9.00 |
| DUPLICATE_FEE — Per copied document. Payable to us when we provide a copy of a document. | Event | $20.00 |
| DUPLICATE_STATEMENT_FEE — Per statement. Payable to us when we provide a copy of a statement at your request. | Event | $7.00 |
| PHOTOCOPYING_FEE — Per sheet. Payable to us when we provide a photocopy of any document at your request. | Event | $0.50 |
| PRODUCTION_FEE — Per document per production. Payable to us if, at your or a security provider's request, we produce a document to the Land and Property Information division of the NSW Department of Lands or its equivalent in other jurisdictions. | Event | $200.00 |
| RENEGOTIATION_FEE — Per renegotiation. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options. | Event | $300.00 |
| SECURITY_SUBSTITUTION_FEE — Per new security. Payable to us to substitute a new security for an existing one. | Event | $300.00 |
| SETTLEMENT_FEE — Per settlement. Payable to us each time we or our solicitors attend settlement in connection with a security. | Event | $150.00 |
| VALUATION_FEE_CONSUMER_LOANS — Valuation fees are available upon enquiry. Payable in relation to each property to which a loan is secured, and may vary according to the location of the secured property. Initial valuation fee waived up to $250.00 for Package Home Loans. | Cash advance | Variable |
| EXPRESS_CREDIT_ACCOUNT_FACILITY_FEE — Charged monthly · Payable each month or part of the month.This fee is charged to Express Credit Account on the last day each month and on the date of cancellation of the express credit facility. | Ongoing | $10.00 |
| LOAN_APPLICATION_FEE_HOME_LOAN_OR_EXPRESS_CREDIT — Payable to cover costs when you apply for a loan. | Upfront | $300.00 |
| AGENTS_COSTS — Amount not ascertainable. Payable to us or our solicitor or their agent when they attend to the registration of a discharge of mortgage at your request or when an agent is required to attend a settlement, produce or lodge documents at the Lands and Property Services division of New South Wales Department of Lands or its equivalent in other jurisdictions. | Cash advance | Variable |
| INFORMATION_FEE — $1.00 per minute ($20.00 minimum fee). The fee will be calculated on the actual time spent retrieving and providing the information requested. Payable to us to provide information and that information is provided in writing. | Cash advance | $20.00 |
| REPLACEMENT_CARD_FEE_(INTERNATIONAL) — Payable if you request a replacement card when overseas via Visa Global Cardholder Assistance Service (GCAS), payable when the request is processed. | Event | $100.00 |
| REPLACEMENT_CARD_FEE_-_VISA_DEBIT_CARD — $Nil - Payable if you request a replacement Visa Debit Card. | Cash advance | Variable |
| ATM_OWNER_FEE — This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry. | Cash advance | Variable |
| FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE — A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card. | Transaction | 1% of transaction |
| OVERDRAWN_FEE — If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order. | Event | $9.00 |

## Features

- **No minimum repayments required providing debt remains within approved limit**
- **Card access** — Visa Debit Card
- **PayID**
- **Real-time payments (NPP)**
- **Digital banking**
- **Digital wallet** — Apple Pay and Google Pay
- **Unlimited transactions**
- **Staff assisted transactions - Branch and Contact Centre**
- **Notifications** — Mutual Alerts - Balance, low and high balance, deposit, withdrawal

## Eligibility

- **Residency status** — Australian citizen or a permanent resident of Australia or otherwise approved
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $10,000.00 (Minimum credit limit $10,000.00.)
- **Maximum LVR** — 80%

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/home-loans/home-loans/express-credit-facility/)
- [Fees & pricing](https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/)

## Data provenance

- Published by Maitland Mutual Limited under the Consumer Data Right
- Product ID: `Express_Credit_Facility`
- Last updated by the provider: 17 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/Express_Credit_Facility
- Provider page: https://www.cdrcompare.au/brands/maitland-mutual-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000203

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Express_Credit_Facility) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)