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G&C Mutual Bank Premium Home Loan (Package)

The details shown below are for an owner occupier taking out a principal & interest loan between $300,000 and $3,500,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $300,000 and $3,500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $300,000 and $3,500,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan between $300,000 and $3,500,000 with an LVR below 95%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $300,000 $3,500,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $300,000 $3,500,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $300,000 $3,500,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $300,000 $3,500,000

Rate
3.59% p.a.
Comparison Rate*
3.98% p.a.
Service fee
$375.00 yearly
Upfront fee
$0
Rate
3.64% p.a.
Comparison Rate*
4.03% p.a.
Service fee
$375.00 yearly
Upfront fee
$0
Rate
4.15% p.a.
Comparison Rate*
4.53% p.a.
Service fee
$375.00 yearly
Upfront fee
$0
Rate
4.35% p.a.
Comparison Rate*
4.72% p.a.
Service fee
$375.00 yearly
Upfront fee
$0

Mozo editorial review G&C Mutual Bank Premium Home Loan (Package)

Last updated: 2 June 2020.

binocular icon
What's hot
  • 3.59% p.a. (3.99% p.a. comparison rate*)
  • 100% offset account
  • Redraw available
  • Credit card annual fee waived for first year
What's not
  • $375 annual fee
  • $300 discharge fee
Mozo snapshot

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 - such as 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.

key icon
Key features

The Premium Home Loan Package sports interest rates as low as at 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 just remember this will require you 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.

snapshot
Who is it good for

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.

snapshot
Any catches

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.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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

Fees
  • $0.00

  • n/a

  • n/a

  • n/a

  • n/a

  • $375.00 yearly

  • $300.00

Other financial bits
  • $300,000

  • $3,500,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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

Fees
  • $0.00

  • n/a

  • n/a

  • n/a

  • n/a

  • $375.00 yearly

  • $300.00

Other financial bits
  • $300,000

  • $3,500,000

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • 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.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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

Fees
  • $0.00

  • n/a

  • n/a

  • n/a

  • n/a

  • $375.00 yearly

  • $300.00

Other financial bits
  • $300,000

  • $3,500,000

  • none

  • 95.00%

Features
  • 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.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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

Fees
  • $0.00

  • n/a

  • n/a

  • n/a

  • n/a

  • $375.00 yearly

  • $300.00

Other financial bits
  • $300,000

  • $3,500,000

  • none

  • 95.00%

Features
  • Investor

  • Interest Only

  • 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.

Customer Reviews

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

Overall
8.3/10
Price
8.5/10
Features
7.5/10
Customer service
8.9/10
Convenience
7.3/10
Trust
8.1/10
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.

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*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.