Product information on this page is current from 1 July 2025. All interest rates quoted are for new business only. For home loans no longer offered for sale please click here.
Rates quoted and all rates subject to change.
**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.
Membership Eligibility and Lending Criteria
Eligibility criteria apply to join Teachers Mutual Bank Limited. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.
Redraw Facility
Redraw is only available if borrowers have made additional repayments. If your loan has a redraw facility, you do not need to register to use the redraw facility on your loan account.
Mortgage Offset Facility
Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and condition and Conditions of use Accounts and access. For more information refer to our Mortgage Offset section.
Refinance Home Loans
Additional administration fee may apply. Your current mortgage provider may apply fees and break costs.
Your Way Plus
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 which are available on our website.
Additional home loan repayments
No additional repayments can be made when a fixed rate applies to any part of the loan except for Your Way Plus fixed rate loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.
Break Fee
Break fee may be payable if you make an early repayment to your fixed rate loan during a fixed rate period except for a Your Way Plus fixed rate home loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.
