Fixed Rate Home Loan

Enjoy the assurance of knowing exactly what your home loan repayment will be with the ability to lock in your interest rate for up to 5 years.

2.98%pa

Interest Rate - 2 Year Fixed
4.36%pa**

Comparison Rate - 2 Year Fixed
$600

Establishment Fee
$25k

Minimum Amount

Apply

Please note, interest rates displayed apply to loans for Owner Occupiers on Principal & Interest repayments.

Secure a great fixed rate for up to 5 years and get the peace of mind knowing your home loan repayments won’t change for the duration of the fixed period.

Then, at the end of the fixed period, your rate will revert to our Flexi Choice Home Loan variable interest rate, or you can choose to re-fix for another period of time.

Apply today and take advantage of our great fixed rates.

Mozo Experts Choice 2018 logo for Fixed Home Loan product

The benefits of our Fixed Rate Home Loan

Interest rates
Interest Rate - 2 Year Fixed	2.98%pa
Interest Rate - 1 Year Fixed	2.98%pa
Interest Rate - 3 Year Fixed	2.98%pa
Interest Rate - 4 Year Fixed	3.28%pa
Interest Rate - 5 Year Fixed	3.28%pa
Comparison Rate - 2 Year Fixed	4.36%pa**
Comparison Rate - 1 Year Fixed	4.51%pa**
Comparison Rate - 3 Year Fixed	4.23%pa**
Comparison Rate - 4 Year Fixed	4.21%pa**
Comparison Rate - 5 Year Fixed	4.11%pa**
Interest rates effective date	Interest rates effective 4 December 2019 and are for Owner Occupied Loans with Principal and Interest repayments.
Interest rates type	Fixed up to 5 years

Other information
Establishment Fee	$600
Repayment Type	Principal and interest
Interest Rate Type	Fixed up to 5 years
Interest Applied	Monthly
Interest Calculated	Daily
Minimum Amount	$25k
Maximum Amount	Borrow up to 95% of the property value including Lenders Mortgage Insurance (80% without)

For full details of our fees, please review the Fees and Charges brochure.

Download the Fees and Charges brochure [PDF]

For interest rates applicable to interest only repayments please contact us.

Calculators and tools

Find your local mobile lender

We know life gets busy. So when you don't have time to drop into your local office, you can contact one of our mobile lenders. From buying your first home to upgrading or refinancing, our experts are on call to help you find the home loan that's right for you.

Please note: Mobile lenders are not available in all areas. To find out if we service your area, simply enter your postcode above.

**Comparison rate warning
Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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.

*Important information

Membership Eligibility and Lending Criteria

Eligibility criteria apply to join Teachers Mutual Bank. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.

Interest rates effective 4 December 2019. Rates quoted and all rates subject to change. Rates quoted applicable to Owner Occupied loans with Principal & Interest (P&I) repayments only. Minimum loan amount is $25,000. For all Fixed rate home loans, at the end of the Fixed rate period the interest rate reverts to the Flexi Choice Loan variable annual percentage rate.

Fees may apply if your loan account is in default or you seek other services, e.g. a loan variation

Fixed Rate Lock

The Fixed Rate Lock commences from the date of the application and is locked in for 90 days from the date of application. A Fixed Rate Lock fee of 0.15% of the total amount financed applies and is payable regardless of whether the interest rate at the time of settlement has increased or decreased.

Experts Choice Award 2018

Mozo Pty Ltd. ABN 68 128 199 208. AFSL & Australian Credit Licence 328141 offers consumers a comprehensive product comparison service across the retail banking market. The Bank does not pay Mozo to be in awards selection nor do we receive any commission from Mozo for any award received.

Mortgage Offset Facility

Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the FAQ section under Offset facility.

The Responsible Investment Association Australasia (RIAA)

Retail mortgages and deposits have been certified by RIAA according to the strict operational and disclosure practices required under the Responsible Investment Certification Program. See www.responsibleinvestment.org for details. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.