Have it Your Way Plus
Our home loan package offers a specially discounted rate just for teachers^.
Why refinance with us?
100% offset
Make the most of your savings with 100% offset on your home loan package.4
Discounted rates for teachers^
See how much you could save with our special discounted rates.
Fixed or variable rate loan options
Flexible options for the home loan that suits you best.
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Your Way Plus Owner Occupier Home Loan
Take advantage of a home loan with offset, discounted rates for teachers and much more with our package home loan.
Learn more
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Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
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Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
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Discounted Variable rates for life of the loan
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Establishment fee waived (normally $600)
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Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
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100% Offset facility so you can pay your loan down faster
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Available for first home loans
Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
Get in touch today.
Take the next step in your home loan journey.
Talk to a Lending Specialist
We can visit you at home, call you on the phone, or speak to you on a video call.
Apply Online
Complete an online application to fast track your home loan financing.
Home Loan Resources
Helpful guides and checklists for whatever stage you are in your home loan journey.
Easy steps to refinancing
Have a chat
Tell us about you and your current loan so we can let you know what you can save by switching, and how much you can borrow.
Find the right home loan
Take a look at our home loan options and we'll help you find the right loan. We’re flexible to suit your needs – you can have a basic variable loan that comes with redraw, or add an offset facility and have both.
Make the move
A Lending Specialist will be in touch to finalise your loan application. Our lenders will help you take the next steps to discharge your existing home loan from your other bank.
Top tips for refinancing
Set your goals for refinancing.
Find out if you’re eligible to join Teachers Mutual Bank. It’s open to teachers and their families, and others in the education sector.
Use our calculators to compare two loans or see your savings with an offset facility.
Calculate how much you can save with an offset
Speak to us today
Refinancing may be all about the savings, but it’s important to do your sums to make sure you will be better off overall with your new loan. You can find more information at our Home Loan Resource Centre (and or borrowing power calculator) or, if you want to ask a real person some questions, make an enquiry with one of our Lending Specialists.
Important information
1 Eligibility criteria apply to join Teachers Mutual Bank Limited. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.
2 Minimum period of employment for regular casual or relief teachers is 3 months. Other credit criteria apply.
3 The Your Way Plus is available as a package home loan with package benefits. A package fee is payable annually. For further details see Package Terms and conditions.
4 If your loan has an 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 Mortgage Offset section of our website.
5 Mobile Lenders: Please check details of availability in your area.
