Members are advised of scheduled maintenance occurring from 10.00pm on Wednesday, 2nd April to 1.00am on Thursday, 3rd April. During this time, Online Banking and our Mobile App will be unavailable. Members can continue to use their cards as normal during this time. We apologise for any inconvenience.
Love your home but not your loan, why not refinance your home loan with us?
If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. You might be looking to consolidate your debts, unlock the equity in your home, or just be searching for a better deal.
Make your move and refinance with our Momentum Home Loan.
- No establishment fee
- 100% offset account
- Redraw available4
- Unlimited extra repayments
We understand that refinancing your can seem daunting. That's why we developed this guide, Refinancing your home loan, to help you get started. By defining key terms to eliminate confusing jargon and providing additional information this guide will help you better understand the benefits of refinancing and help you switch home loans as easily as possible.
Principal & Interest
Owner Occupied LVR <60%*
Special Offer
For a limited time, we have a number of home loan special offers* featuring a low interest rate and valuation fees waived up to $1000. It all adds up to simply great value.
Owner Occupied (Principal & Interest)
| LVR Thresholds | Interest Rate | Comparison Rate2 |
| Less than 60% LVR | 5.74% p.a. | 5.79% p.a. |
| Between 60 - 80% LVR | 5.84% p.a. | 5.89% p.a. |
| Greater than 80% LVR | 5.94% p.a. | 5.99% p.a. |
Product Features:
Home Loan Features |
|
|---|---|
| Minimum loan amount : | $100,000 |
| Maximum LVR : | 80% (dependant on loan purpose and security offered) |
| Maximum LVR with Lenders Mortgage Insurance : | 95% (subject to approval) |
| Get Ahead Start Guarantor (borrow up to 100% LVR) : | Yes |
| Maximum loan term : | 30 years |
| Interest calculation : | Calculated daily, charged monthly |
| Repayment type : | Principal & Interest |
| Repayment frequency : | Weekly, fortnightly or monthly |
| Establishment fee : | $0 |
| Monthly loan fee : | $0 |
| Package fee : | $0 |
| Extra repayments : | Unlimited |
| Interest offset : | Yes |
| Redraw : | Yes |
| Pre-approval : | N/A |
| Loan preparation fees : | At cost |
| Increase/top up : | Yes |
| Second mortgage security : | Yes |
| Vacant land as sole security : | Yes |
Home loan calculators
Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.
Our awards
Our Momentum Home Loan has achieved great success being independently recognised by finance industry experts Mozo and Canstar for achieving great value, flexibility and innovative features.
We're ready to help you
Eligibility criteria, terms & conditions and fees & charges apply. New refinance applications only. Not available for refinance of existing G&C Mutual Bank loans.
*Special offer only available for new refinance applications. Not available for refinance of existing G&C Mutual Bank Loans. Offer may be amended or withdrawn at any time.
