The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 95%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 95%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | ||
| | Owner Occupier | Interest Only | < 95% | ||
| | Investor | Principal & Interest | < 95% | ||
| | Investor | Interest Only | < 95% |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan:
Owner Occupier (Interest Only)
LVR < 95%
Loan:
Investor (Principal & Interest)
LVR < 95%
Loan:
Investor (Interest Only)
LVR < 95%
Loan:
The Premium Home Loan Package bundles your home loan, credit card and transaction account to help you save. Along with all the usual features you'd want in a home loan - like a redraw facility, offset account, and the ability to pay down your loan faster penalty-free - you’ll also receive fee waivers on your transaction account and credit card.
The Premium Home Loan Package sports variable rates of 3.59% p.a. (3.99% p.a. comparison rate*), and is available to owner occupiers and investors looking to borrow between $300,000 and $3,500,000. The maximum LVR is 95%, but if you borrow this much you will be required to pay Lender’s Mortgage Insurance.
By bundling your home loan with your credit card and transaction account, you’ll also be treated to a couple of perks. For example, you won’t have to worry about the monthly service fee on your transaction account. And for the first year, the annual fee on your credit card will be waived.
When it comes to paying down your loan, you can make weekly, fortnightly or monthly repayments, unless you’re making interest-only repayments, in which case repayments are due on the first day of each month.
You’ll also be able to save on interest by using the available offset account, make unlimited free extra repayments, and access a redraw facility if you decide you need those funds back. Just remember that the minimum redraw amount is $100 and a $30 service fee will apply.
Existing G&C Mutual Bank customers thinking about taking out a home loan will appreciate the savings to be made by opting for the Premium Home Loan Package.
There are a few fees that come with this one, namely the $375 annual fee and the $300 discharge fee. And as mentioned above, if you intend to use the redraw facility you will be charged a $30 service fee.
3.59% p.a.
n/a
n/a
n/a
3.98% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
n/a
n/a
n/a
$375.00 yearly
$300.00
none
none
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - fees apply
$100.00
yes
yes
Legal, valuation and settlement fees at cost.
none
none
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.
3.64% p.a.
n/a
n/a
n/a
4.03% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
n/a
n/a
n/a
$375.00 yearly
$300.00
none
none
none
95.00%
Owner Occupier
Interest Only
Monthly
yes - free
no
yes - fees apply
$100.00
yes
yes
Legal, valuation and settlement fees at cost.
none
none
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.
4.15% p.a.
n/a
n/a
n/a
4.53% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
n/a
n/a
n/a
$375.00 yearly
$300.00
none
none
none
95.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - fees apply
$100.00
yes
yes
Legal, valuation and settlement fees at cost.
none
none
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.
4.35% p.a.
n/a
n/a
n/a
4.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
n/a
n/a
n/a
n/a
$375.00 yearly
$300.00
none
none
none
95.00%
Investor
Interest Only
Monthly
yes - free
no
yes - fees apply
$100.00
yes
yes
Legal, valuation and settlement fees at cost.
none
none
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.
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.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a. variable
1.84% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
$0.00
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.
