Home loan rates › Australian Mutual Bank LTD
Your Way Plus Fixed Home Loan
Australian Mutual Bank LTD
CDR official
Get flexibility for your home loan PLUS take advantage of our package benefits with special low rates and much more. Lock in a rate for up to 5 years.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.39% | 6.51% | Fixed · 1 year · owner occupied · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 6.39% | 6.73% | Fixed · 1 year · owner occupied · principal and interest · LVR 60%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 6.59% | 7.11% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 6.84% | 7.44% | Fixed · 1 year · owner occupied · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
| 6.74% | 6.60% | Fixed · 2 years · owner occupied · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 6.74% | 6.80% | Fixed · 2 years · owner occupied · principal and interest · LVR 60%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 6.99% | 7.16% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 7.19% | 7.48% | Fixed · 2 years · owner occupied · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
| 6.84% | 6.68% | Fixed · 3 years · owner occupied · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 6.84% | 6.85% | Fixed · 3 years · owner occupied · principal and interest · LVR 60%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 7.09% | 7.21% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 7.29% | 7.51% | Fixed · 3 years · owner occupied · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
| 6.89% | 6.75% | Fixed · 4 years · owner occupied · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 6.89% | 6.90% | Fixed · 4 years · owner occupied · principal and interest · LVR 60%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 7.19% | 7.27% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 7.19% | 7.48% | Fixed · 4 years · owner occupied · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
| 7.04% | 6.87% | Fixed · 5 years · owner occupied · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 7.04% | 7.01% | Fixed · 5 years · owner occupied · principal and interest · LVR 60%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 7.24% | 7.31% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 7.34% | 7.55% | Fixed · 5 years · owner occupied · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47- Content hash
sha256 ac349d89d7cebbdd3205a987c78328a62acd21408d39e086a4ef9697aed5a0fb- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_ac349d89d7cebbdd_5d016998Show details
- Checked
- 1 Nov 2026
- URL
https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47- Content hash
sha256 ac349d89d7cebbdd3205a987c78328a62acd21408d39e086a4ef9697aed5a0fb- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| ESTABLISHMENT_FEE | Upfront | $600.00 |
| MORTGAGE_DISCHARGE | Exit | $250.00 |
| LOAN_VARIATION_FEE | Event | $200.00 |
| LEGAL_FEES | Upfront | Set in your letter of offer |
| LENDERS_MORTGAGE_INSURANCE | Upfront | Set in your letter of offer |
| LOAN_ADMINISTRATION_FEE | Upfront | $250.00 |
| COLLECTION_CHARGES | Other | Set in your letter of offer |
| STAMP_DUTY | Upfront | Set in your letter of offer |
| PACKAGE_FEE-HOME_LOANS | Periodic | $300.00 |
| FIXED_RATE_LOCK_FEE | Upfront | 0.15% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Redraw available | |
| Other | Additional repayments available | |
| Other | Ability to split loan | |
| Other | Ability to switch loan | |
| Redraw | A fee free redraw facility to access additional repayments you've made. Redraw is subject to application and registration. | |
| Digital banking | 24/7 access via internet banking, mobile app, phone banking | |
| Other | Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance | |
| Other | Flexible repayments | |
| Other | Discounted Variable rates for life of the loan | |
| Offset | PLUS 100% offset | |
| Other | PLUS establishment, valuation and top up fees waived | |
| Complementary product discounts | Annual fee waived for essential worker first home buyers | PLUS annual fee waived for essential worker first home buyers |
| Other | PLUS personal loan application fees waived | |
| Other | Ability to Top Up | |
| Eligibility: other | You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank. | |
| Eligibility: residency status | Individuals must be citizens of permanent residents of Australia. | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Eligibility: other | All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices. | |
| Eligibility: other | Borrower must have satisfied Package eligibility. | |
| Limit: min limit | 150000.00 | |
| Limit: min lvr | 0.00 | |
| Limit: max lvr | 98.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 7.04% | 6.87% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 7.34% | 7.55% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.89% | 6.90% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 7.29% | 7.51% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.39% | 6.51% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.89% | 6.75% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 7.04% | 7.01% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.84% | 6.85% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 7.19% | 7.48% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.74% | 6.60% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.59% | 7.11% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.84% | 6.68% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.39% | 6.73% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 6.84% | 7.44% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.21% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 7.19% | 7.48% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 7.27% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.74% | 6.80% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.99% | 7.16% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 7.31% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
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