---
title: "Standard Home Loan — 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/Standard_Home_Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-30T11:15:34.000+10:00
---

# Standard Home Loan — 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 · Negotiable rates · The Mutual Bank**

A flexible home loan with a range of features.

## At a glance

- **From (owner occupied):** 6.44% (8.41% comparison)

## Apply

Applications are handled by the provider: [Apply at Maitland Mutual Limited](https://themutual.apply-online.com.au/#/f04c5c6c-140b-425f-a101-59b52002nf9wbd)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (LVR up to 95%.) | 6.44% | 8.41% | — |
| Fixed · 2 years (LVR up to 95%.) | 6.44% | 8.19% | — |
| Fixed · 3 years (LVR up to 95%.) | 6.54% | 8.02% | — |
| Variable (LVR up to 95%.) | 8.63% | 8.66% | — |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (LVR up to 90%.) | 6.64% | 8.78% | — |
| Fixed · 2 years (LVR up to 90%.) | 6.64% | 8.54% | — |
| Fixed · 3 years (LVR up to 90%.) | 6.74% | 8.35% | — |
| Variable (LVR up to 90%.) | 9.03% | 9.06% | — |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (LVR up to 90%.) | 6.64% | 8.78% | — |
| Fixed · 2 years (LVR up to 90%.) | 6.64% | 8.55% | — |
| Fixed · 3 years (LVR up to 90%.) | 6.74% | 8.37% | — |
| Variable (LVR up to 90%.) | 9.03% | 9.06% | — |

## 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 |
| SWITCHING_FEE — Per switch. Payable to us when you convert from one interest rate option to another within your existing loan or if you elect to switch to another of our loan products | Event | $300.00 |
| 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 |
| 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 |
| PROGRESS_PAYMENT_FEE — Minimum $100 per progress payment. Payable to us if the loan is a building or construction loan. This fee will be payable whenever a progress payment is made on a building or construction loan. | Cash advance | $100.00 |
| VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION) — Not ascertainable. Payable for construction loan progress valuations. | Cash advance | Variable |
| ROLLOVER_FEE — Per rollover. Payable to us when you go from one fixed rate period to another. | Event | $200.00 |
| BREAK_COSTS_ADMINISTRATION_FEE — Payable to us in addition to Break Costs | Event | $300.00 |
| BREAK_COSTS_HOME_LOANS — Amount not ascertainable. Payable to us when you are under the fixed rate option and, before the end of your fixed rate period, you convert to the variable rate option; or convert from one fixed rate option to another fixed rate option; or prepay the total amount owing; or prepay an amount of $20,000 or more; or are in default and the total amount owing becomes immediately due for payment. | Cash advance | Variable |
| LOAN_APPLICATION_FEE_HOME_LOAN_OR_EXPRESS_CREDIT — Payable to cover costs when you apply for a loan. | Upfront | $300.00 |

## Features

- **Offset account** (100% Offset Account for variable rate loans only)
- **Redraw facility** (Minimum redraw $500.00, online or staff assisted)
- **Interest only options available**
- **Construction option available**
- **Digital banking**
- **Variable and fixed interest rate options available**
- **Available for bridging purposes**
- **Split Loan**
- **Extra repayments** (Unlimited on Variable Rate Home Loans with no additional cost. Up to $20,000 permitted during a Fixed Rate term without penalty)

## Eligibility

- **Residency status** — Australian citizen or a permanent resident of Australia or otherwise approved
- **Minimum age** — 18 years
- **Secured by approved residential or rural lifestyle property**

## Constraints

- **Minimum limit** — $20,000.00 (Minimum loan amount $20,000.00.)
- **Maximum LVR** — 95%

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/borrow/home-loans/standard-home-loan/)
- [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: `Standard_Home_Loan`
- Last updated by the provider: 30 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/Standard_Home_Loan
- 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/Standard_Home_Loan) — 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.

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