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G&C Mutual Bank Momentum Home Loan

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The Momentum Home Loan from G&C Mutual Bank has rates for investors and owner-occupiers looking to refinance. The loan comes with a 100% offset account.

The G&C Mutual Bank Momentum Home Loan is a loan for refinance customers looking to switch to a better deal. The loan has rates for owner-occupiers and property investors, with the most competitive rates for borrowers with more equity in their properties.

Interest Rate Max Insured LVR Max LVR
LVR <50% (Investor)
2.95% p.a.
Comparison Rate
2.97% p.a.
LVR <50% (Owner Occupier, P&I)
2.55% p.a.
Comparison Rate
2.57% p.a.
LVR >75% (Investor)
3.25% p.a.
Comparison Rate
3.27% p.a.
LVR >75% (Owner Occupier, P&I)
2.85% p.a.
Comparison Rate
2.87% p.a.
LVR 50 to 75% (Investor)
3.15% p.a.
Comparison Rate
3.17% p.a.
LVR 50 to 75% (Owner Occupier, P&I)
2.75% p.a.
Comparison Rate
2.77% p.a.
Product NameG&C Mutual Bank Momentum Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$100,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Repayment TypePrincipal & Interest and Interest Only Options

Application Fee$0
Lender's Legal FeeAt cost
Valuation FeeAt cost
Ongoing Fees$0 p.a.
Settlement Fee$0
Discharge Fee$300 (plus external costs)


  • 100% offset account
  • Low fees


  • The lowest rates require up to 50% equity
  • There is a $30 redraw fee

What do I need to know about this loan?

The G&C Mutual Bank Momentum Home Loan has principal-and-interest repayments for owner occupiers but investors can choose interest-only repayments as well. The loan has minimal fees and a 100% offset account. It is a loan for refinancers. While you can get this loan with a small amount of equity in your home you may have to pay lenders mortgage insurance (LMI).

What are the features and benefits of the G&C Mutual Bank Momentum Home Loan?

  • Loan amount. The G&C Mutual Bank Momentum Home Loan has a minimum loan amount of $100,000.
  • Loan to value ratio (minimum deposit). As a loan for refinancers, the Momentum Home Loan offers different rates depending on your loan to value ratio (LVR). The more equity you have in your property the less you need to borrow and you may be able to get a more competitive rate.
  • Extra repayments and redraw. You can make extra repayments and access them via a redraw facility. There is a redraw fee of $30 to access this money.
  • Offset account. This loan has an offset account, allowing you to put extra savings in an account linked to the loan, which offsets your interest charges and saves you money.

What fees and charges come with this loan?

This loan has minimal fees.

  • Valuation fee: At cost. This fee covers the cost of having your property valued and varies for each borrower.
  • Legal fee: At cost. This fee covers the lender's legal costs.
  • Discharge fee: $300 (plus external costs). You have to pay this fee when you close out the loan, either by repaying it or by refinancing again.
  • Switching fee: $200. This fee only applies if you decide to switch from one G&C Mutual Bank home loan product to another.

How do I apply for this loan?

Ready to apply for the G&C Mutual Bank Momentum Home Loan or simply want more information about this product? Then click the green button and leave your details. A lending specialist from G&C Mutual Bank will get in touch with you and help you take the next step.

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G&C Mutual Bank Momentum Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $0

  • Max LVR

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