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  4. Fixed Rate Home Loan 3 Years

Important disclosure

G&C Mutual Bank Limited

Fixed Rate Home Loan

  • Owner Occupied
  • Fixed undefined year
  • 5% min deposit
  • P&I
Interest Rate

5.70%

p.a

Comparison Rate*

5.76%

p.a

Real Time Rating™
Tags
  • Owner Occupied
  • Fixed undefined year
  • 5% min deposit
  • P&I
Interest Rate

5.70%

p.a

Comparison Rate*

5.76%

p.a

Monthly Repayment

$3,130

based on $500,000 loan amount for 25 years at 5.7%

Calculate your repayments for this loan

$

Your estimated repayment

$3,130

based on $500,000 loan amount for 25 years at 5.7%

Pros and cons

For Fixed Rate Home Loan 3 Years

Benefits

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • Suitable for low deposits
  • Redraw facility available
  • Extra repayments and redraw facility
  • Split account option

Drawbacks

  • No offset account
  • Loan reverts to higher rate after fixed period
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

G&C Mutual Bank Fixed - 3 years Rate Home loan overview

For Fixed Rate Home Loan 3 Years

Details

Maximum LVR

95%

Total Repayments

$939,133

View repayment schedule »

Interest rate type

Fixed - 3 years

Borrowing range

$0 - $5m
Calculate how much you can borrow

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Repayment type

Principal and Interest

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Repayment options

Fortnightly, Monthly, Weekly

Target Market Determination

Visit G&C Mutual Bank Limited to view Target Market Determination.

Features

Extra repayments

Yes - limited to 5% per year

Redraw facility

Redraw fee: $30

Split interest facility

Loan portability

Repayment holiday available

Allow guarantors

Available for first home buyers

Other benefits

Fees

Total estimated upfront fees

$577

Application fee

$500

Legal fee

$0

Valuation fee

$0

Settlement fee

$0

Other upfront fee

$77

Ongoing fee

$0

Discharge fee

$300

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  • Fixed undefined year
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Product data updated on 22 Dec 2024

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $0 to $5,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 95 percent, which means it requires a minimum deposit of 5 percent

What's the maximum length for this loan?

G&C Mutual Bank Limited allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

G&C Mutual Bank Limited allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $577 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $30 if you need to use it.

Where can you apply for this loan?

G&C Mutual Bank Limited makes it possible to apply for this product online. Apply here.