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Budget Home Loan

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • Extra repayments + redraw services
  • Free redraw facility
  • Repayments may decrease if RBA cuts rates
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $750kCalculate how much you can borrow »
Total repayments
Total repayments
$590,976View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Partial offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, QLD, VIC
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150
Application fee
Application fee$0
Settlement fee
Settlement fee$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$200
Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$50k - $750kCalculate how much you can borrow »
Total repayments
Total repayments
$590,976View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Partial offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, QLD, VIC
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150
Application fee
Application fee$0
Settlement fee
Settlement fee$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$200

The Mutual, or the Maitland Mutual Building Society, was founded in 1888 and is one of the oldest member-owned building societies in Australia.

It is based in Maitland, NSW, and offers financial products such as home and personal loans, credit cards, savings and investment accounts, as well as insurance and superannuation. They also provide financial planning services and investment advice.

The Mutual Home Loan Calculator
Interested in an The Mutual home loan? RateCity has a suite of calculators that can show you what your repayments would be and how The Mutual compares to its competitors. Simply plug in your borrowing amount below. 

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