G&C Mutual Bank Fixed Rate

The details shown below are for an owner occupier taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan up to $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan up to $2,000,000 with an LVR below 95%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $2,000,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $2,000,000

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

4.04% p.a.

4.08% p.a.

$0.00

G&C Mutual Bank Fixed Rate

4.04% p.a.

4.08% p.a.

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

4.39% p.a.

4.43% p.a.

$0.00

G&C Mutual Bank Fixed Rate

4.39% p.a.

4.43% p.a.

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

4.39% p.a.

4.43% p.a.

$0.00

G&C Mutual Bank Fixed Rate

4.39% p.a.

4.43% p.a.

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

4.69% p.a.

4.73% p.a.

$0.00

G&C Mutual Bank Fixed Rate

4.69% p.a.

4.73% p.a.

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

p.a.

n/a

$0.00

G&C Mutual Bank Fixed Rate

p.a.

n/a

$0.00

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.89% (3.93%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.89% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 3.99% (4.03%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 3.99% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.04% (4.08%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.04% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • 4.34% (4.38%*)

  • (*)

  • (*)

  • (*)

  • 4.34% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.34% (4.38%*)

  • (*)

  • (*)

  • 4.34% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.39% (4.43%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.39% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 4.39% (4.43%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.39% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.39% (4.43%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.39% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • 4.79% (4.83%*)

  • (*)

  • (*)

  • (*)

  • 4.79% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.99% (5.03%*)

  • (*)

  • (*)

  • 4.99% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.29% (4.33%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.29% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 4.29% (4.33%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.29% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.39% (4.43%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.39% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • 4.69% (4.73%*)

  • (*)

  • (*)

  • (*)

  • 4.69% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.79% (4.83%*)

  • (*)

  • (*)

  • 4.79% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.49% (4.53%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.49% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • 4.59% (4.63%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.59% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • 4.69% (4.73%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 4.69% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • 5.09% (5.13%*)

  • (*)

  • (*)

  • (*)

  • 5.09% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Details

Rates and fees information correct as at 19 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • (*)

  • (*)

  • (*)

  • (*)

  • 5.09% (5.13%*)

  • (*)

  • (*)

  • 5.09% p.a.

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • none

  • $2,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to 5% p.a.

  • no

  • yes - fees apply

  • $100.00

  • yes

  • no

  • At the end of the fixed rate period, the loan will continue as a fixed rate home loan for the same period as initially contracted at the applicable rates at the time unless specified. Legal, valuation and settlement fees at cost.

  • none

Customer Reviews

How are G&C Mutual Bank home loans rated by the Mozo community?

Overall customer rating
7.8/10
Price
8.3/10
Features
7.5/10
Customer service
8.0/10
Convenience
7.3/10
Trust
7.8/10

Latest reviews of G&C Mutual Bank Fixed Rate

  • Overall
    2/10
    Competitive home loan rates, that's it.

    Online banking system needs an overhaul, no dedicated smartphone app, no 24-hour call centre but...

    Online banking system needs an overhaul, no dedicated smartphone app, no 24-hour call centre but they had good home loan rates.

    Price
    4/10
    Features
    1/10
    Customer service
    3/10
    Convenience
    0/10
    Trust
    2/10

    Iyan | QLD

    30 Oct 2015

  • Overall
    9/10
    Competitive & great customer service

    G&C Mutual Bank have treated me with nothing but honest down to earth customer value with cheap...

    G&C Mutual Bank have treated me with nothing but honest down to earth customer value with cheap credit card rates & loans of all types and extremely helpful in all my banking needs.

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Julie | NSW

    12 Mar 2015

G&C Mutual Bank

About G&C Mutual Bank

Operating for over 55 years, G&C Mutual Bank is owned by its members, which means they pass profits back to customers in the form of competitive interest rates on its products and deliver superior financial solutions to consumers. G&C Mutual Bank offers a full suite of financial solutions including home loans, investment loans, personal loans and credit cards to its members. It also has everyday banking products such as savings accounts and transaction accounts that can help with short and long term savings goals.

See G&C Mutual Bank home loans

*WARNING: This comparison rate applies 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 cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.