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The Mutual Bank home loans

Member-owned and local to the Hunter Region in NSW, The Mutual Bank has been here to help local people since 1888. The Mutual Bank provides members with choice and convenience for their personal and business banking with innovative digital solutions and traditional, award-winning customer service.

The Mutual Bank's profits are reinvested into product and service improvements, competitive rates and minimal fees and tangible support for local educational, sporting, community and cultural organisations.

Branches are open six days a week offering a full range of banking services in Dungog, East Maitland, Edgeworth, Maitland, Mayfield, Raymond Terrace and Rutherford.

The Mutual Bank Home Loan Calculator

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

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Why choose The Mutual Bank


  • Flexible payment features
  • Wide variety of variable loans
  • Discounted rates available


  • Limited interest-only payments

The Mutual Bank Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

The Mutual Bank customer service

Home loan customers at The Mutual Bank can contact the bank by a number of methods. There is a general customer phone line, as well as a dedicated line for phone banking. Customers can also contact The Mutual Bank online via its website, The Mutual App, by email, or by visiting a local branch.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Branch
  • The Mutual App

How to Apply

The Mutual Bank allows potential customers to apply for a home loan in multiple ways. These include calling the bank, applying online via The Mutual Bank website, or visiting a home loan specialist in person at a local branch. Customers can also make enquiries about home loan products online or by email.

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 income – whether you are self-employed or work for an employer.
  • Proof of assets, earnings and other income.
  • Details of other loans, debts, liabilities and expenses.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.