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Footnotes:

• ¹ Eligibility criteria, terms & conditions and fees & charges apply. 3 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates. Offset account not available on this product.
• ² Comparison rate based on $150,000 loan over 25 years. 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.
• ³ Minimum redraw amount of $100 and $30 service fee applies.
• ⁴ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
• ⁵ Eligibility criteria, terms and conditions and fees and charges apply. Available when at least one borrower meets essential worker criteria as a frontline ambulance officer, paramedic, firefighter, police officer, corrective services officer, nurse, aged care or disability worker, teacher, early childhood educator, defence or military personnel. For new security or new refinance applications only. Not available for existing G&C Mutual Bank Loans.
• ⁶ Overtime and shift allowances - 100% may be used in serviceability if the borrowers’ employment is in the essential services industry (e.g. Ambulance, Police Service, Nursing, and Corrective Services).
• ⁷ An offset account is optional. The inclusion of an offset account increases the home loan interest rate by 0.10%.
• ⁸ Eligibility criteria, terms and conditions and fees and charges apply.