Compare Home Loans from Mutual Banks & Co-operatives - Loan Market

Compare Home Loans from Mutual Banks & Co-operatives

Compare our lowest home loan rates & repayments from mutual banks & co-operatives.


Mutual banks & co-operatives like Heritage Bank and the Circle Credit Co-operative are member focused organisations that are owned by customers, not shareholders and pride themselves on customer service.

Also consider home loans from the Big4 Aussie Banks, or Compare All Home Loan Rates & Repayments

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Lender
Loan Details
Interest
Comparison
Repayments
  1. 1 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 5.09%
      p.a. Comparison
    • $1,834
      per month*
  2. Discount Variable Rate 80%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.97%
      p.a. variable
    • 3.97%
      p.a. Comparison
    • $1,842
      per month*
  3. Discount Variable Rate Special Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.99%
      p.a. variable
    • 4.01%
      p.a. Comparison
    • $1,845
      per month*
  4. 2 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.99%
      p.a. fixed
    • 5.01%
      p.a. Comparison
    • $1,853
      per month*
  5. Home Advantage 1 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.89%
      p.a. fixed
    • 4.18%
      p.a. Comparison
    • $1,855
      per month*
  6. Home Advantage 1 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.89%
      p.a. fixed
    • 4.27%
      p.a. Comparison
    • $1,855
      per month*
  7. Home Advantage 1 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.89%
      p.a. fixed
    • 4.36%
      p.a. Comparison
    • $1,855
      per month*
  8. Discount Variable Rate 80%90%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 4.07%
      p.a. variable
    • 4.07%
      p.a. Comparison
    • $1,861
      per month*
  9. 3 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.09%
      p.a. fixed
    • 4.95%
      p.a. Comparison
    • $1,873
      per month*
  10. Home Advantage 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.99%
      p.a. fixed
    • 4.26%
      p.a. Comparison
    • $1,875
      per month*
  11. Home Advantage 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 3.99%
      p.a. fixed
    • 4.18%
      p.a. Comparison
    • $1,875
      per month*
  12. Home Advantage 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.99%
      p.a. fixed
    • 4.35%
      p.a. Comparison
    • $1,875
      per month*
  13. Discount Variable Rate 90%

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.17%
      p.a. variable
    • 4.17%
      p.a. Comparison
    • $1,880
      per month*
  14. Home Advantage Variable

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 4.04%
      p.a. variable
    • 4.19%
      p.a. Comparison
    • $1,884
      per month*
  15. Home Advantage 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 4.09%
      p.a. fixed
    • 4.20%
      p.a. Comparison
    • $1,894
      per month*
  16. Home Advantage 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 4.09%
      p.a. fixed
    • 4.28%
      p.a. Comparison
    • $1,894
      per month*
  17. Home Advantage 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.09%
      p.a. fixed
    • 4.35%
      p.a. Comparison
    • $1,894
      per month*
  18. Home Advantage Variable

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 4.14%
      p.a. variable
    • 4.29%
      p.a. Comparison
    • $1,904
      per month*
  19. Home Advantage Variable

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.24%
      p.a. variable
    • 4.39%
      p.a. Comparison
    • $1,923
      per month*
  20. 5 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.49%
      p.a. fixed
    • 4.95%
      p.a. Comparison
    • $1,951
      per month*
  21. Discount Variable Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.59%
      p.a. variable
    • 4.61%
      p.a. Comparison
    • $1,963
      per month*
  22. Home Advantage 5 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%
    • 4.49%
      p.a. fixed
    • 4.35%
      p.a. Comparison
    • $1,973
      per month*
  23. Home Advantage 5 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 4.49%
      p.a. fixed
    • 4.41%
      p.a. Comparison
    • $1,973
      per month*
  24. Home Advantage 5 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.49%
      p.a. fixed
    • 4.48%
      p.a. Comparison
    • $1,973
      per month*
  25. Standard Variable Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 5.14%
      p.a. variable
    • 5.20%
      p.a. Comparison
    • $2,083
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided