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Find the property you love and we'll make sure that you get a more generous home loan deal.

Special Offer: 3yr Fixed Rate Owner Occupied Home Loan. Minimum lending amount $100,000

2.28% pa1
Fixed Interest Rate

2.86% pa2
Comparison Rate

  View all our Special Offer Fixed Rate Home Loan options
Term Interest Rate Comparison Rate
2 Year, min. amount $100K 2.28% pa1 2.91% pa2
3 Year, min. amount $100K 2.28% pa1 2.86% pa2
  View our other Fixed Rate Home Loan options
Term Interest Rate Comparison Rate
1 Year, min. amount $20K 2.44% pa3 2.98% pa2
2 Year, min. amount $20K 2.44% pa3 2.94% pa2
3 Year, min. amount $20K 2.39% pa3 2.89% pa2
5 Year, min. amount $20K 2.94% pa3 3.02% pa2

  • Owner Occupied
  • No monthly or annual fees
  • Family Support Option available4
  • Free first appointment with Bridges financial planner
  • Advanced payments allowable up to $20,000 during the fixed period
  • Competitive rates & features5

Apply Online Quick Enquiry

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Special Offer 3 Year Owner Occupied Fixed Rate Home Loan
Interest Rates
Variable Interest Rate2.97% pa
Fixed Interest Rate2.28% pa1
Fixed Rate Term in Years3 3
Comparison Rate2.86% pa2
Fees
Establishment Fee$250 
Valuation fees included within Establishment Fee?No 
Annual Fee$0 
Monthly Fee$0 
Redraw Fee$0 
Fixed Loan Break FeeYes 6
Features
Redraw FacilityYes 7
Offset AccountNo 
Additional Repayments AcceptedYes 8
Simulator Defaults
Maximum % amount of property value with mortgage insurance95%
Maximum % amount of property value80%
Maximum % amount of land only70%
Calculator Options
Level repaymentsNo 
Enable Interest Capitalisation OptionNo 


 

 

1 Special Offer Fixed Rate Home Loans is applicable to loan applications received on or after 1 July 2020 and is subject to change without notice. New money only with a minimum borrowing amount of $100,000.

2 This comparison rate is based on a $150,000 loan over a term of 25 years. WARNING This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All loan applications are subject to Australian Mutual Bank Ltd normal lending criteria. Fees and charges, terms and conditions apply.

3 At the end of the fixed period the rate reverts to the Owner Occupied Standard Variable rate.

4 Family Support is available for borrowers, especially first home buyers with no deposit, who have an immediate family member that is willing and able to offer security, e.g. their own property, as Guarantor on the loan to secure a portion of the loan. The Guarantor's financial position should be such that they are able to meet their obligations under the guarantee. Non-Resident guarantors are not eligible.

5 Request a Home Loan Key Facts Sheet. All applications are subject to Australian Mutual Bank Ltd normal lending criteria. Fees and charges, terms and conditions apply.

6 A break cost fee applies to fixed rate loans, please refer to our Fees & Charges and Transaction Limits Schedule for further details.

7 You must be at least one month's repayment in advance to obtain a redraw.

8 Advanced payments allowable up to $20,000 during the fixed period.