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To view our interest rates click on the links below

  Owner Occupied Home Loans*
Loan Type   Interest Rate Comparison Rate
Special Offer Fixed Rate 2 Year, min $100,000 1.98% pa1 2.86% pa2
  3 Year, min $100,000 1.98% pa1 2.79% pa2
Standard Variable Rate Min $20,000 2.97% pa 3.03% pa2
Fixed Rate 1 Year, min $20,000 2.09% pa3 2.95% pa2
  2 Year, min $20,000 2.09% pa3 2.88% pa2
  3 Year, min $20,000 2.04% pa3 2.80% pa2
  5 Year, min $20,000 2.34% pa3 2.78% pa2
First Home Buyers Fixed (Special Offer) 2 Year, Min $100,000 1.89% pa4 2.82% pa2
First Home Buyers Basic Variable Min $20,000 2.87% pa 2.90% pa2
First Home Buyers Standard Variable Min $20,000 2.97% pa 3.00% pa2
Basic Variable Rate Min $20,000  2.87% pa 2.93% pa2
Bridging Loan Variable Min $20,000 4.10% pa 4.17% pa2
Mortgage Secured Overdraft   4.10% pa n/a

 

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  Investment Home Loans*
Loan Type   Interest Rate Comparison Rate
Special Offer Fixed Rate Home Loan P&I 2 Year, min $100,000 2.23% pa1 3.32% pa2
  3 Year, min $100,000 2.23% pa1 3.22% pa2
Special Offer Fixed Rate Home Loan IO 2 Year, min $100,000 2.43% pa1 3.48% pa2
  3 Year, min $100,000 2.43% pa1 3.42% pa2
Investment Variable Rate Home Loan IO Min $20,000  3.57% pa 3.61% pa2
Investment Variable Rate Home Loan P&I Min $20,000  3.47% pa 3.53% pa2
Investment Fixed Rate Home Loan P&I 1 Year, min $20,000  2.34% pa5 3.43% pa2
  2 Year, min $20,000  2.34% pa5 3.34% pa2
  3 Year, min $20,000  2.29% pa5 3.23% pa2
  5 Year, min $20,000  3.59% pa5 3.18% pa2
Investment Fixed Rate Home Loan IO 1 Year, min $20,000  2.54% pa5 3.55% pa2
  2 Year, min $20,000  2.54% pa5 3.49% pa2
  3 Year, min $20,000  2.49% pa5 3.43% pa2
  5 Year, min $20,000  2.79% pa5 3.40% pa2

 

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  Personal / Car Loans*
Loan Type Interest Rate Comparison Rate
Personal Loan Unsecured 7.99% pa6 8.20% pa7
Debt Consolidation Loan 7.99% pa 8.20% pa7
New Car Loan (cars up to 3 yrs old) 6.45% pa8 6.66% pa9
Green Loan 6.10% pa 6.10% pa7
Term Deposit Secured Loan 4.45% pa 4.65% pa7

 

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  VISA Credit Card & Overdraft    
Loan Type Interest Rate
Low Rate VISA Credit Card 10.49% pa
Business Overdraft 14.76% pa

 

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*Rates for new loans only.

1 Special Offer Fixed Rate Home Loans is applicable to loan applications received on or after 16 Nov 2020 and is subject to change without notice. New money only with a minimum borrowing amount of $100,000. Offer available for a limited time only and may be withdrawn once portfolio is met.

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 First Home Buyers 2 Year Fixed Rate Special Offer is applicable to loan applications received on or after 16 November 2020 and is subject to change without notice. New money only with a minimum borrowing amount of $100,000. Offer available for a limited time only and may be withdrawn once portfolio is met.

5 At the end of the fixed period the rate reverts to the Investment Variable Rate Home Loan with Offset.

6 Loan available for all purposes except debt consolidation. New loans only - no payout of existing Sydney Mutual Bank loans.

7 Comparison rate based on a $30,000 loan over 5 years unsecured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

8 Based on a secured variable rate loan. New loans only - no payout of existing loans.

9 Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.