G&C Mutual Bank Fixed Rate Home Loan

G&C Mutual Bank’s fixed rate home loan offers competitive rates and is available with a low deposit.

G&C Mutual Bank’s fixed rate home loan is a competitive loan for low deposit borrowers. It also offers some flexibility with the ability to make limited extra repayments.

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Review by


Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

If you have a deposit under 20% and just want a simple loan with a low rate, this mortgage is definitely a good option. If you want more loan features like an offset account or a flexible redraw facility, you should look elsewhere. This loan does let you make extra repayments of up to 5% of the loan balance per year, so there is some flexibility there.

About this loan

What are the features and benefits of the G&C Mutual Bank fixed rate home loan?

  • Deposit size. With this loan you can borrow up to 95% of your property's value. With some rates you may have to save a larger deposit. Keep in mind that if your deposit is smaller than 20% of your property's value you may have to pay a lenders mortgage insurance premium on top.
  • Loan amount. This loan has no minimum loan amount.
  • Extra repayments and redraw. You can make extra repayments with this loan, but you are limited to repaying just 5% of the remaining loan balance each year.
  • Guarantor. There is an option to borrow 100% of your property's value with a guarantor.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to speak to a lending specialist from G&C Mutual Bank. They'll explain any eligibility requirements and help you get started with your application.

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