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.

  • Your Way Plus Home Loan

    Get flexibility for your home loan PLUS take advantage of our package benefits with discounted rates and much more.

    • 6 .49
      pa %
      Your Way Plus Home Loan variable rate (Owner, P&I, LVR up to 60%)
    • 6 .79
      pa** %
      Your Way Plus Home Loan comparison rate (Owner, P&I, LVR up to 60%)
    • Discounted Variable rates for life of the loan
    • Establishment fee waived (normally $600)
    • Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
    • 100% Offset facility so you can pay your loan down faster
    6 .49
    pa %
    Your Way Plus Home Loan variable rate (Owner, P&I, LVR up to 60%)
    6 .79
    pa** %
    Your Way Plus Home Loan comparison rate (Owner, P&I, LVR up to 60%)

Get in touch today.

Take the next step in your home loan journey.

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Talk to a Lending Specialist

We can visit you at home, call you on the phone, or speak to you on a video call.

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Apply Online

Complete an online application to fast track your home loan financing.

Got a Question?
Enquire Online

Easy steps to refinancing

Number 1

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.

Number 2

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.

Number 3

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.

Work out the costs associated with refinancing and if it’s the right choice for you.

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.