Investor home loans

Product information on this page is current from 12 November 2024. All interest rates quoted are for new business only. For home loans no longer offered for sale please click here. 

Rates quoted and all rates subject to change.

**Comparison rate warning

Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

Membership Eligibility and Lending Criteria

Eligibility criteria apply to join Teachers Mutual Bank Limited. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.

Essential workers

^Eligible Essential workers include: School Principal, Faculty Head, Commissioned Fire Officer, Commissioned Police Officer, Ambulance Officer, Intensive Care Ambulance Paramedic, Supervisor Police Officer, Police Officer, Senior Fire Fighter, Fire Fighter, Registered Nurse, Registered Midwife, Registered Mental Health Nurse, Registered Developmental Disability Nurse, Enrolled Nurse, Pre-Primary School Teacher, Primary School Teacher, Secondary School Teacher, Special Needs Teacher, Special Education Teachers, University Lecturer, University Tutor, Vocational Education Teacher, English as a Second Language Teacher.

Redraw Facility

Redraw is only available if borrowers have made additional repayments. If your loan has a redraw facility, you do not need to register to use the redraw facility on your loan account.

Mortgage Offset Facility

Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and condition and Conditions of use Accounts and access. For more information refer to our Mortgage Offset section.

Refinance Home Loans

Additional valuation and administration fee may apply. Your current mortgage provider may apply fees and break costs.

Your Way Plus

Your Way Plus is available as a package home loan with package benefits. A package fee is payable annually. For further details see Package Terms and Conditions which are available on our website.

Additional home loan repayments

No additional repayments can be made when a fixed rate applies to any part of the loan except for Your Way Plus fixed rate loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.

Break Fee

Break fee may be payable if you make an early repayment to your fixed rate loan during a fixed rate period except for a Your Way Plus fixed rate home loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.