Finder makes money from featured partners, but editorial opinions are our own.

G&C Mutual Bank home loans

G&C Mutual Bank has home loan rates starting from 5.8%.

No reviews yet. Write a review

G&C Mutual Bank is a customer owned bank that offers a range of home loans for Australian borrowers. Check out the full table of G&C Mutual Bank products below or read more about the lender.

Compare G&C Mutual Bank home loans for July 2024

{"visibility":"visibilityTable","ctaLabel":"Calculate","tableCode":"SAMPLE_COMPARISON_V2_TEMPLATE","nicheCode":"AUFHL","fields":[{"name":"LOAN_AMOUNT","value":"150000","options":"","label":"Borrowing amount","suffix":"$","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""},{"name":"PERIOD","value":"30","options":"","label":"Period","suffix":"years","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""}]}
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
G&C Mutual Bank logo
Principal & Interest40% min. depositOwner-occupierOffset accountSpecial Offer
G&C Mutual Bank logo
Principal & Interest40% min. depositOwner-occupierOffset accountSpecial Offer
Product NameG&C Mutual Bank Momentum Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.02%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.02%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset accountSpecial Offer
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset accountSpecial Offer
Product NameG&C Mutual Bank First Home Buyer
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.02%
Minimum Loan Amount$0
Maximum Loan Amount $5,000,000
Maximum Loan Term40 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.02%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupier
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupier
Product NameG&C Mutual Bank Choice Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.74%
Comp. Rate p.a.6.77%
Minimum Loan Amount$0
Maximum Loan Amount $5,000,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.74%
Comparison Rate
6.77%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$973
G&C Mutual Bank logo
Interest only60% min. deposit
G&C Mutual Bank logo
Interest only60% min. deposit
Product NameG&C Mutual Bank Retirees Access Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.9.22%
Comp. Rate p.a.9.30%
Minimum Loan Amount$200,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 40%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
9.22%
Comparison Rate
9.30%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$1,232
G&C Mutual Bank logo
Finder AwardInterest only20% min. depositInvestmentOffset account
G&C Mutual Bank logo
Finder AwardInterest only20% min. depositInvestmentOffset account
Product NameG&C Mutual Bank Momentum Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.40%
Comp. Rate p.a.6.42%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.40%
Comparison Rate
6.42%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$940
loading
Showing 5 of 16 results

G&C Mutual Bank key facts

  • It's a customer owned bank based in Sydney.
  • It offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as credit cards, insurance, savings and investments, cars and personal loans.

G&C Mutual Bank home loan features

Here are the key features and details you need to know about G&C Mutual Bank's mortgage products.

FeatureDetails
Minimum depositIt's possible to get a home loan with a deposit as low as 5%.
Offset accountYou can get an offset account with several of its loans.
Repayment optionsMany of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans.

How do I apply for a mortgage from G&C Mutual Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with G&C Mutual Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.
Richard Whitten's headshot
Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 528 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
More resources on Finder

More guides on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site