A flexible home loan with a competitive interest rate and a range of benefits for an annual fee.
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 |
|---|---|---|---|---|---|
| 6.54% | 7.47% | Fixed · 1 year · investment · interest only | CDR | 1 Nov 2026 | |
| 6.54% | 7.40% | Fixed · 2 years · investment · interest only | CDR | 1 Nov 2026 | |
| 6.64% | 7.37% | Fixed · 3 years · investment · interest only | CDR | 1 Nov 2026 | |
| 6.54% | 7.47% | Fixed · 1 year · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.54% | 7.41% | Fixed · 2 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.64% | 7.38% | Fixed · 3 years · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.34% | 6.88% | Fixed · 1 year · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.34% | 6.86% | Fixed · 2 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.44% | 6.87% | Fixed · 3 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.39% | 6.73% | Variable · investment · interest only | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.49% | 6.83% | Variable · investment · interest only | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.09% | 7.42% | Variable · investment · interest only | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.39% | 6.75% | Variable · investment · principal and interest | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.49% | 6.85% | Variable · investment · principal and interest | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.09% | 7.44% | Variable · investment · principal and interest | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.44% | 6.80% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.44% | 6.80% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.44% | 6.80% | Variable · owner occupied · principal and interest | 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://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Package_Home_Loan- Content hash
sha256 4c5b88cf7e187241d05b1acbf65faffcf80c8bbc15fd1c60ec74d2b9f4c0100f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_4c5b88cf7e187241_157687cbShow details
- Checked
- 1 Nov 2026
- URL
https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Package_Home_Loan- Content hash
sha256 4c5b88cf7e187241d05b1acbf65faffcf80c8bbc15fd1c60ec74d2b9f4c0100f- 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 |
|---|---|---|
| CHEQUE_ISSUING_FEE | Event | $2.50 |
| CONSENT_FEE | Event | $200.00 |
| DEFAULT_ADMINISTRATION_FEE | Event | $50.00 |
| DISCHARGE_ADMINISTRATION_FEE | Event | $200.00 |
| DISHONOUR_FEE | Event | $9.00 |
| DUPLICATE_FEE | Event | $20.00 |
| DUPLICATE_STATEMENT_FEE | Event | $7.00 |
| PHOTOCOPYING_FEE | Event | $0.50 |
| PRODUCTION_FEE | Event | $200.00 |
| RENEGOTIATION_FEE | Event | $300.00 |
| SECURITY_SUBSTITUTION_FEE | Event | $300.00 |
| SETTLEMENT_FEE | Event | $150.00 |
| SWITCHING_FEE | Event | $300.00 |
| PACKAGE_HOME_LOAN_FEE | Periodic | $395.00 |
| AGENTS_COSTS | Cash advance | Set in your letter of offer |
| INFORMATION_FEE | Cash advance | $20.00 |
| PROGRESS_PAYMENT_FEE | Cash advance | $100.00 |
| VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION) | Cash advance | Set in your letter of offer |
| VALUATION_FEE_CONSUMER_LOANS | Cash advance | Set in your letter of offer |
| BREAK_COSTS_ADMINISTRATION_FEE | Event | $300.00 |
| ROLLOVER_FEE | Event | $200.00 |
| BREAK_COSTS_HOME_LOANS | Cash advance | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% Offset Account for variable rate loans only | |
| Redraw | Minimum redraw $500.00, online or staff assisted | |
| Complementary product discounts | 1% discount off the Mutual Visa Credit Card standard interest rate | |
| Other | Construction option available | |
| Digital banking | ||
| Other | Variable and fixed interest rate options available | |
| Other | Fee discounts as disclosed on the website | |
| Other | Interest only options available | |
| Other | Split loan | |
| Extra repayments | Extra Repayments - Unlimited on Variable Rate Home Loans with no additional cost. Up to $20,000 permitted during a Fixed Rate term without penalty. | |
| Eligibility: residency status | Australian citizen or a permanent resident of Australia or otherwise approved | |
| Eligibility: min age | 18 | |
| Eligibility: other | Secured by approved residential or rural lifestyle property | |
| Limit: min limit | 150000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only | 1 Nov 2026 | Current | 7.09% | 7.42% |
| Fixed · 1 year · investment · principal and interest | 1 Nov 2026 | Current | 6.54% | 7.47% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 7.09% | 7.44% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.34% | 6.86% |
| Fixed · 2 years · investment · principal and interest | 1 Nov 2026 | Current | 6.54% | 7.41% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 6.49% | 6.85% |
| Fixed · 3 years · investment · interest only | 1 Nov 2026 | Current | 6.64% | 7.37% |
| Variable · investment · interest only | 1 Nov 2026 | Current | 6.39% | 6.73% |
| Fixed · 1 year · investment · interest only | 1 Nov 2026 | Current | 6.54% | 7.47% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.34% | 6.88% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.44% | 6.80% |
| Fixed · 2 years · investment · interest only | 1 Nov 2026 | Current | 6.54% | 7.40% |
| Fixed · 3 years · investment · principal and interest | 1 Nov 2026 | Current | 6.64% | 7.38% |
| Variable · investment · interest only | 1 Nov 2026 | Current | 6.49% | 6.83% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.44% | 6.87% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.44% | 6.80% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 6.39% | 6.75% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.44% | 6.80% |
*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 |
|---|---|---|
rate-selected-by-free-text | Reason this product is not ranked | |
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