Sydney Mutual Bank home loans

Compare home loans offered by the credit union Sydney Mutual Bank.

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Sydney Mutual Bank

Everything you need to know about Sydney Mutual Bank mortgages is on this page. Skip ahead to the full table of products or read more about Sydney Mutual Bank home loan products and offers below.

Compare Sydney Mutual Bank home loans

Compare Sydney Mutual Bank home loans using the table below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to start your application process.

Rates last updated January 22nd, 2020
$
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Sydney Mutual Bank Basic Variable Rate Home Loan
3.22%
3.28%
$250
$0 p.a.
95%
A simplified mortgage with a low interest rate and a redraw facility.
Sydney Mutual Bank Variable Rate Home Loan - (Investor, P&I)
3.82%
3.88%
$250
$0 p.a.
95%
Get a low variable interest rate and buy a property with just a 10% deposit. 100% offset account attached.
Sydney Mutual Bank Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier)
2.99%
3.29%
$250
$0 p.a.
95%
This high LVR fixed rate loan allows you to borrow up to 95% of the value of the property you're buying.

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Sydney Mutual Bank lender profile

  • Sydney Mutual Bank is a credit union that was established in 1963. It offers savings and term deposit accounts, debit and credit cards, insurance and financial planning.
  • Sydney Mutual Bank boasts a wide range of home loans. Some of Sydney Mutual Bank's products offer offset accounts and redraw facility whilst their basic home loans offer competitive interest rates and easy-to-manage benefits.
  • As a credit union, Sydney Mutual Bank is not a listed company and is under no pressure to maximise profits for shareholders. Instead, Sydney Mutual Bank focuses on putting its profits towards serving its members.

Sydney Mutual Bank mortgage features

Sydney Mutual Bank has home loans for investors and owner occupiers, with fixed and variable rates.

FeatureDetails
Deposit sizeYou can borrow up to 95% with some Sydney Mutual Bank mortgages such as the Sydney Mutual Bank Basic Variable Rate Home Loan as well as the Sydney Mutual Bank My Life Fixed Rate home loan.
Offset accountThe Sydney Mutual Bank My Life Variable Rate Home Loan comes with a 100% offset account.
Redraw facilitySome Sydney Mutual Bank home loans offer unlimited free redraw, such as the The Sydney Mutual Bank My Life Variable Rate Home Loan

How do I apply for an Sydney Mutual Bank mortgage?

You can learn more about a specific Sydney Mutual Bank mortgage by clicking through to that product's review page. Clicking the Enquire Now button will let you enter your details and start the process of talking to an Sydney Mutual Bank lending specialist.

Eligibility

Each Sydney Mutual Bank product have specific eligibility criteria. Some criteria will apply to all products, these include:

  • 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 Sydney 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:

  • Identification documents. You will need identification such as a driver's license, 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).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Home Loan Offers

Important Information*
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for loans.com.au Smart Home Loan - (Owner Occupier, P&I)
loans.com.au Smart Home Loan - (Owner Occupier, P&I)

Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.

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