Teachers Mutual Bank Home Loans Home Loan Rates December 2025

Explore Teachers Mutual Bank Home Loans home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
4.95% p.a.
5.42% p.a.
$2,669
Principal & Interest
Fixed
$300
$0
60%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • More details
4.95% p.a.
5.40% p.a.
$2,669
Principal & Interest
Fixed
$300
$0
60%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • More details
5.05% p.a.
5.59% p.a.
$2,699
Principal & Interest
Fixed
$300
$0
80%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • More details
5.05% p.a.
5.57% p.a.
$2,699
Principal & Interest
Fixed
$300
$0
80%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • More details
5.09% p.a.
5.27% p.a.
$2,712
Principal & Interest
Fixed
$0
$0
80%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • More details
5.09% p.a.
5.26% p.a.
$2,712
Principal & Interest
Fixed
$0
$0
80%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • More details
5.14% p.a.
5.45% p.a.
$2,727
Principal & Interest
Fixed
$300
$0
60%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • More details
5.20% p.a.
5.66% p.a.
$2,746
Principal & Interest
Fixed
$300
$0
60%
  • Investor
  • Fixed 2 Years
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • More details
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Important Information and Comparison Rate Warning

What you need to know about Teachers Mutual Bank home loans

Teachers Mutual Bank was founded by teachers, for teachers and has been member-owned since 1966. The bank is part of the Teachers Mutual Bank Limited group, which also encompasses Healthcare Professionals Bank, Firefighters Mutual Bank, and UniBank.

You might find Teachers Mutual Bank a good fit if you:

  • Prefer a member-owned bank
    Because customers are the shareholders, surplus earnings are reinvested for their benefit and the communities they serve.

  • Work in education, health or emergency services
    The bank's common bond is built around these sectors, meaning products and support are designed for their specific pay cycles and career paths.

  • Value responsible, ethical banking
    Teachers Mutual Bank has been a Certified B Corp since 2022 and was on the World's Most Ethical Companies list for ten consecutive years.

  • Want home loan options
    The bank offers its basic Your Way mortgage product and its packaged Your Way Plus mortgage product to both owner-occupiers and investors.

  • Are eligible for the 5% Deposit Scheme
    The bank participates in the federal government's scheme to guarantee loans for eligible borrowers, allowing them to access home loans with low deposits without paying lenders mortgage insurance (LMI).
  • Like digital banking backed by Aussie support
    Members can visit a handful of NSW branches or use the bank's app, online banking portal, and Bank@Post to manage their money.

  • Care about community impact
    In FY25 the bank invested over $1.1 million in scholarships, financial-literacy programs, and other grassroots initiatives.

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