G&C Mutual Bank home loan repayment calculator

Thinking about taking out a home loan with G&C Mutual Bank? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how G&C Mutual Bank home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated mortgage repayments

at interest rate 5.00%

Total interest payable

$0

Total loan repayments

$0

Pros and cons

  • Flexible payment options.
  • Package and specialised loans available.
  • Suitable for small deposits.
  • High standard variable rate.
  • Annual fees on some loans.

G&C Mutual Bank home loans rates

Advertised Rate

1.99%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.01%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.19%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.21%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.19%

Fixed - 1 year

Total estimated upfront fees
$577
Comparison Rate*

2.24%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.29%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.31%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.39%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.41%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.39%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.41%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

1.98%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

2.45%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.49%

Fixed - 1 year

Total estimated upfront fees
$577
Comparison Rate*

2.52%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.08%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

2.55%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.59%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.61%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.59%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.61%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.64%

Variable

Total estimated upfront fees
$77
Comparison Rate*

2.66%

Ongoing fee
$0 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.69%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.71%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.69%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.71%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.28%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

2.74%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.69%

Fixed - 2 years

Total estimated upfront fees
$577
Comparison Rate*

2.74%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.38%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

2.84%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.48%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

2.94%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.89%

Fixed - 3 years

Total estimated upfront fees
$577
Comparison Rate*

2.94%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.89%

Fixed - 4 years

Total estimated upfront fees
$577
Comparison Rate*

2.94%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.89%

Fixed - 5 years

Total estimated upfront fees
$577
Comparison Rate*

2.94%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.89%

Fixed - 1 year

Total estimated upfront fees
$577
Comparison Rate*

2.94%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.99%

Fixed - 2 years

Total estimated upfront fees
$577
Comparison Rate*

3.02%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.99%

Fixed - 1 year

Total estimated upfront fees
$577
Comparison Rate*

3.02%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.58%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

3.04%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.68%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

3.13%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.09%

Fixed - 2 years

Total estimated upfront fees
$577
Comparison Rate*

3.14%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.19%

Fixed - 5 years

Total estimated upfront fees
$577
Comparison Rate*

3.22%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.19%

Fixed - 3 years

Total estimated upfront fees
$577
Comparison Rate*

3.22%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.19%

Fixed - 4 years

Total estimated upfront fees
$577
Comparison Rate*

3.22%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

2.78%

Fixed - 3 years

Total estimated upfront fees
$500
Comparison Rate*

3.23%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.19%

Variable

Total estimated upfront fees
$577
Comparison Rate*

3.25%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.29%

Fixed - 2 years

Total estimated upfront fees
$577
Comparison Rate*

3.33%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.29%

Fixed - 5 years

Total estimated upfront fees
$577
Comparison Rate*

3.35%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.29%

Fixed - 3 years

Total estimated upfront fees
$577
Comparison Rate*

3.35%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.29%

Fixed - 4 years

Total estimated upfront fees
$577
Comparison Rate*

3.35%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.49%

Fixed - 3 years

Total estimated upfront fees
$577
Comparison Rate*

3.53%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.49%

Fixed - 5 years

Total estimated upfront fees
$577
Comparison Rate*

3.53%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.49%

Fixed - 4 years

Total estimated upfront fees
$577
Comparison Rate*

3.53%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.77%

Variable

Total estimated upfront fees
$577
Comparison Rate*

3.83%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.59%

Variable

Total estimated upfront fees
$77
Comparison Rate*

3.99%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

3.64%

Variable

Total estimated upfront fees
$77
Comparison Rate*

4.04%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

4.15%

Variable

Total estimated upfront fees
$77
Comparison Rate*

4.54%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

4.50%

Variable

Total estimated upfront fees
$577
Comparison Rate*

4.56%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

4.65%

Variable

Total estimated upfront fees
$577
Comparison Rate*

4.69%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

4.35%

Variable

Total estimated upfront fees
$77
Comparison Rate*

4.73%

Ongoing fee
$375 annually
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

4.96%

Variable

Total estimated upfront fees
$577
Comparison Rate*

5.02%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

5.04%

Variable

Total estimated upfront fees
$0
Comparison Rate*

5.04%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

5.16%

Variable

Total estimated upfront fees
$577
Comparison Rate*

5.20%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details
Advertised Rate

5.50%

Variable

Total estimated upfront fees
$0
Comparison Rate*

5.50%

Ongoing fee
$0
Go to site
Company
G&C Mutual Bank
More details

G&C Mutual Bank customer service

Home loan customers at G&C Mutual are able to contact the bank in a variety of ways. These include a general customer phone line, via email and online. Customers can also make an appointment with a Local Business Manager via the G&C website. Customers wanting more immediate assistance can meet with a G&C staff member in person at one of their customer service centres. 

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

How to Apply

Potential customers of G&C Mutual can apply for a home loan through a number of different channels. These include an online enquiry form and application form on the G&C website and customers can also apply via phone, or make a home or workplace appointment with a home loan specialist. There is also the option to apply in person at a G&C Mutual service centre. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification documents.
  • Proof of employment.
  • Proof of income, assets and other earnings.
  • Details on your current debts, liabilities and assets.
  • Personal insurance documents.

Refinancers will also have to provide home loan statements for the past three months and a current payout quote for the loan you wish to refinance. 

Learn more about home loans

How do I apply for a home loan pre-approval from Commonwealth Bank?

To apply for a Commbank home loan pre-approval, you can either call the bank at 13 2224 or meet one of the bank’s lending specialists. You can set up a meeting online if you wish. You’ll need to do some homework before contacting the bank, such as gathering information on the kind of properties you’d like to buy and their prices.

Preparing a financial summary, which lists all your income sources as well as significant expenses, can also help determine how much you can afford to borrow. You may also want to check your credit score before applying for pre-approval.

It’s worth remembering that a CBA home loan pre-approval doesn’t guarantee that you’ll get the loan. Once you get the pre-approval, you’ll have about three to six months to decide on a property and apply for the home loan. The bank will then confirm that the property is suitable for the loan before fully approving it.

Do the big four banks have guarantor home loans?

Yes, ANZ, Commonwealth Bank, NAB and Westpac all offer guarantor home loans. These mortgages are also offered by many other banks, credit unions and building societies.

How to apply for a pre-approval home loan from Bendigo Bank?

Applying for pre-approval on your home loan gives you confidence in your ability to secure finance while looking at potential new homes. You can get a free and personalised pre-approval home loan from Bendigo Bank in just a few minutes, without any credit checks or paperwork. 

Bendigo Bank offers pre-approval for home loans that allow you to understand the home loan size you may be able to get before looking for a new home. 

With the pre-approval, Bendigo Bank provides an estimate of your borrowing power. This figure incorporates stamp duty, lenders mortgage insurance (LMI) and any first home buyer incentives you may be eligible for. You may also qualify for the First Home Loan Deposit Scheme initiative, depending on your circumstances. 

To apply for a pre-approval on your home loan from Bendigo Bank, all you need to do is fill in a smart form. You could also contact the bank directly on 1300 236 344.

Can I take a personal loan after a home loan?

Are you struggling to pay the deposit for your dream home? A personal loan can help you pay the deposit. The question that may arise in your mind is can I take a home loan after a personal loan, or can you take a personal loan at the same time as a home loan, as it is. The answer is that, yes, provided you can meet the general eligibility criteria for both a personal loan and a home loan, your application should be approved. Those eligibility criteria may include:

  • Higher-income to show repayment capability for both the loans
  • Clear credit history with no delays in bill payments or defaults on debts
  • Zero or minimal current outstanding debt
  • Some amount of savings
  • Proven rent history will be positively perceived by the lenders

A personal loan after or during a home loan may impact serviceability, however, as the numbers can seriously add up. Every loan you avail of increases your monthly installments and the amount you use to repay the personal loan will be considered to lower the money available for the repayment of your home loan.

As to whether you can get a personal loan after your home loan, the answer is a very likely "yes", though it does come with a caveat: as long as you can show sufficient income to repay both the loans on time, you should be able to get that personal loan approved. A personal loan can also help to improve your credit score showing financial discipline and responsibility, which may benefit you with more favorable terms for your home loan.

How to apply for a home loan pre-approval from St. George?

By applying for a home loan pre-approval, you can establish how much you can afford to borrow and look for houses within that pre-approved budget. Getting home loan pre-approval from St. George is a fairly simple process that can be completed within 15 minutes. 

The first step in this process is completing a home loan application. Once that application is submitted, a home loan expert from St. George will contact you to understand your requirements and your current financial position. You could also directly contact a home loan expert at the bank by calling 13 33 30 or by visiting your nearest branch. 

Once the application has been processed, the home loan expert will ask for some basic documentation to confirm your borrowing capacity. After this, you should be issued a home loan pre-approval, subject to certain conditions. 

Based on your home loan pre-approval from St. George, you can then find a property and make an offer. Your home loan expert will arrange to have the property valued and may request for more documentation, taking your home loan application to the next step. 

 

 

How can I get ANZ home loan pre-approval?

Shopping for a new home is an exciting experience and getting a pre-approval on the loan may give you the peace of mind that you are looking at properties within your budget. 

At the time of applying for the ANZ Bank home loan pre-approval, you will be required to provide proof of employment and income, along with records of your savings and debts.

An ANZ home loan pre-approval time frame is usually up to three months. However, being pre-approved doesn’t necessarily mean you will get your home loan. Other factors could lead to your home loan application being rejected, even with a prior pre-approval. Some factors include the property evaluation not meeting the bank’s criteria or a change in your financial circumstances.

You can make an application for ANZ home loan pre-approval online or call on 1800100641 Mon-Fri 8.00 am to 8.00 pm (AEST).

Why should I get an ING home loan pre-approval?

When you apply for an ING home loan pre-approval, you might be required to provide proof of employment and income, savings, as well as details on any on-going debts. The lender could also make a credit enquiry against your name. If you’re pre-approved, you will know how much money ING is willing to lend you. 

Please note, however, that a pre-approval is nothing more than an idea of your ability to borrow funds and is not the final approval. You should receive the home loan approval  only after finalising the property and submitting a formal loan application to the lender, ING. Additionally, a pre-approval does not stay valid indefinitely, since your financial circumstances and the home loan market could change overnight.

 

 

How long does Bankwest take to approve home loans?

Full approval for a home loan usually involves a property valuation, which, Bankwest suggests, can take “a week or two”. As a result, getting your home loan approved may take longer. However, you may get full approval within this time if you applied for and received conditional approval, sometimes called a pre-approval, from Bankwest before finalising the home you want to buy.  

Another way of speeding up approvals can be by completing, signing, and submitting your home loan application digitally. Essentially, you give the bank or your mortgage broker a copy of your home’s sale contract and then complete the rest of the steps online. Bankwest has claimed this cuts the approval time to less than four days, although this may only happen if your income and credit history can be verified easily, or if your home’s valuation doesn’t take time.

Can I get a NAB home loan on casual employment?

While many lenders consider casual employees as high-risk borrowers because of their fluctuating incomes, there are a few specialist lenders, such as NAB, which may provide home loans to individuals employed on a casual basis. A NAB home loan for casual employment is essentially a low doc home loan specifically designed to help casually employed individuals who may be unable to provide standard financial documents. However, since such loans are deemed high risk compared to regular home loans, you could be charged higher rates and receive lower maximum LVRs (Loan to Value Ratio, which is the loan amount you can borrow against the value of the property).

While applying for a home loan as a casual employee, you will likely be asked to demonstrate that you've been working steadily and might need to provide group certificates for the last two years. It is at the lender’s discretion to pick either of the two group certificates and consider that to be your income. If you’ve not had the same job for several years, providing proof of income could be a bit of a challenge for you. In this scenario, some lenders may rely on your year to date (YTD) income, and instead calculate your yearly income from that.

Who offers 40 year mortgages?

Home loans spanning 40 years are offered by select lenders, though the loan period is much longer than a standard 30-year home loan. You're more likely to find a maximum of 35 years, such as is the case with Teacher’s Mutual Bank

Currently, 40 year home loan lenders in Australia include AlphaBeta Money, BCU, G&C Mutual Bank, Pepper, and Sydney Mutual Bank.

Even though these lengthier loans 35 to 40 year loans do exist on the market, they are not overwhelmingly popular, as the extra interest you pay compared to a 30-year loan can be over $100,000 or more.

How to apply for a pre-approval home loan from HSBC Bank?

If you’re planning on applying for a home loan, the best way to start is by having a clear picture of your requirements. By getting a pre-approval on your home loan, you can go house shopping with a definite budget, which can help you narrow down your search considerably. So, once you have identified the type of property you would like to purchase, you can seek pre-approval on a home loan from HSBC Bank. 

You can apply for this form of conditional approval by contacting HSBC’s loan experts on 1300 694 722 or visiting the HSBC branch nearest to you. The process is fairly simple and fast: the representative will verify some key facts like your income and property valuation. You’ll usually be told within a couple of weeks whether you’ve been successful.

Should I apply for a NAB home loan pre-approval?

Buying a new home is an exciting event in anybody’s life. Getting pre-approval means you know what you can afford so you don’t waste time looking at properties outside your budget. With a NAB Bank home loan pre-approval, you can look for your new home with confidence. The lender knows you’re serious about the purchase and also exhibits a willingness to lend you money.

Applying for a NAB home loan pre-approval is relatively straightforward. You might be asked to provide proof of employment and income, details of any savings as well as any on-going debts. NAB may also conduct a credit check on you to see if you’d be a risky borrower. If NAB offers you pre-approval after these checks, you’ll know how much money they’re willing to lend you. The NAB Bank home loan pre-approval is valid for 90 days from application, so don’t apply too early and be aware of this when looking for a property. If your pre-approval expires before you find a property you’ll need to reapply.

You can apply online for NAB home loan pre-approval, visit your nearest NAB branch, call on 13 79 79, or set up an appointment. If you choose to book an appointment, it can be done in person, via video, over a call or you can have a NAB Bank representative visit you.

 

 

 

How can I get a home loan with bad credit?

If you want to get a home loan with bad credit, you need to convince a lender that your problems are behind you and that you will, indeed, be able to repay a mortgage.

One step you might want to take is to visit a mortgage broker who specialises in bad credit home loans (also known as ‘non-conforming home loans’ or ‘sub-prime home loans’). An experienced broker will know which lenders to approach, and how to plead your case with each of them.

Two points to bear in mind are:

  • Many home loan lenders don’t provide bad credit mortgages
  • Each lender has its own policies, and therefore favours different things

If you’d prefer to directly approach the lender yourself, you’re more likely to find success with smaller non-bank lenders that specialise in bad credit home loans (as opposed to bigger banks that prefer ‘vanilla’ mortgages). That’s because these smaller lenders are more likely to treat you as a unique individual rather than judge you according to a one-size-fits-all policy.

Lenders try to minimise their risk, so if you want to get a home loan with bad credit, you need to do everything you can to convince lenders that you’re safer than your credit history might suggest. If possible, provide paperwork that shows:

  • You have a secure job
  • You have a steady income
  • You’ve been reducing your debts