G&C Mutual Bank Flexible Options

If you want the security of knowing you're rate and repayments won't change, but also want some flexibility if the market changes our Flexible Options Loan offers you the opportunity to split your loan between fixed and variable.

Benefits for me!

  • Split your loan to suit you.
  • Flexibility of weekly, fortnightly or monthly repayments to suit your needs.
  • Select different repayment options for each split.
  • Enables you to budget for the future.
  • Redraw facility available^.
  • Offset account available.

Is a split loan for me?

If you really need the security of a fixed rate home loan but want the flexibility of a Variable Rate loan, then split loan may be the answer.

By splitting a loan, you can hedge against the risk of higher rates whilst still keeping part of your loan at the lower variable rate.

Flexible Options Loan Rates

Owner Occupied
Property Investor
Product Type
Annual %
Comparison %
Annual %
Comparison %
Standard Variable Rate
5.15% p.a.
5.18% p.a.
5.40% p.a. 5.43% p.a.
1 Year Fixed Rate
3.89% p.a.
3.92% p.a.
4.29% p.a.
4.32% p.a.
2 Year Fixed Rate 
3.99% p.a. 
4.02% p.a. 
4.39% p.a.
4.42% p.a.
3 Year Fixed Rate 
4.09% p.a. 
4.49% p.a.
4.52% p.a.
4 Year Fixed Rate 
4.49% p.a. 
4.52% p.a. 
4.89% p.a. 4.92% p.a.
5 Year Fixed Rate 
4.59% p.a. 
4.62% p.a. 
4.99% p.a. 5.02% p.a.

Interest rates for new loans effective 25 January 2017

1 Eligibility criteria, terms & conditions and fees & charges apply. Rates applicable to individual loan contracts may vary.
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.

At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.

^Minimum redraw of $100 applies.