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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 95% | $300,000 | $3,500,000 |
| | Owner Occupier | Interest Only | < 95% | $300,000 | $3,500,000 |
| | Investor | Principal & Interest | < 95% | $300,000 | $3,500,000 |
| | Investor | Interest Only | < 95% | $300,000 | $3,500,000 |
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
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.
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.
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
$300,000
$3,500,000
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
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
$300,000
$3,500,000
none
95.00%
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
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
$300,000
$3,500,000
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
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
$300,000
$3,500,000
none
95.00%
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
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.
Promoted
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2.38% p.a.
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fixed 3 years
3.28% p.a.
Promoted
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2.25% p.a.
fixed 3 years
3.41% p.a.
Promoted
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2.49% p.a.
fixed 3 years
3.07% p.a.
Promoted
Macquarie
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2.54% p.a.
2.81% p.a.
$248.00 yearly
Promoted
Homestar
Star Essentials Home Loan
2.29% p.a.
2.32% p.a.
$0.00
Promoted
Bank of Queensland
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2.59% p.a.
2.76% p.a.
$10.00 monthly
