Firefighters Mutual Bank
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Firefighters Mutual Bank Home Loan Rates
Active products
48
Lowest variable
6.09%
Lowest fixed
6.39%
Lowest comparison
6.13%
Last updated
28 July 2026
Firefighters Mutual Bank is one of the Australian home-loan lenders we track daily. We currently surface 48 active products from Firefighters Mutual Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest Firefighters Mutual Bank home loan rate?
The lowest Firefighters Mutual Bank variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 48 Firefighters Mutual Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Firefighters Mutual Bank offer?
Ratesniffers currently tracks 48 Firefighters Mutual Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Firefighters Mutual Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier interest-only | 6.09% p.a. | 6.13% p.a. | 98% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 98% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Investor P&I | 6.34% p.a. | 6.38% p.a. | 98% |
| Variable Investor interest-only | 6.34% p.a. | 6.38% p.a. | 98% |
| Variable Investor interest-only | 6.34% p.a. | 6.38% p.a. | 100% |
| Variable Investor P&I | 6.34% p.a. | 6.38% p.a. | 100% |
| Fixed 2-year Investor P&I | 6.39% p.a. | 6.43% p.a. | 98% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.43% p.a. | 100% |
| Fixed 2-year Investor P&I | 6.39% p.a. | 6.43% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.39% p.a. | 6.43% p.a. | 100% |
48 Firefighters Mutual Bank home loan products
Firefighters Mutual Bank
Your Way Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Firefighters Mutual Bank
Your Way Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Firefighters Mutual Bank
Your Way Interest Only Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Firefighters Mutual Bank
Your Way Plus Home Loan Investor
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Firefighters Mutual Bank
Your Way Plus Interest Only Home Loan Investor
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Firefighters Mutual Bank
Your Way Interest Only Home Loan Investor
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Firefighters Mutual Bank
Your Way Home Loan Investor
InvestorVariableP&IRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan Investor
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan Investor
Investor2y FixedP&I
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan
Owner-occupier1y FixedP&I
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan
Owner-occupier2y FixedP&I
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan Investor
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan Investor
Investor3y FixedP&I
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan Investor
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan Investor
Investor1y FixedP&I
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan
Owner-occupier3y FixedP&I
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan
Owner-occupier4y FixedP&I
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor2y FixedInterest only
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier1y FixedInterest only
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan Investor
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan Investor
Investor4y FixedP&I
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier2y FixedInterest only
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan Investor
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor3y FixedInterest only
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan Investor
Investor5y FixedP&I
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Home Loan
Owner-occupier5y FixedP&I
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor1y FixedInterest only
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier3y FixedInterest only
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier4y FixedInterest only
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor4y FixedInterest only
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR —
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan Investor
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Fixed Interest Only Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR 60–80%
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan Investor
Investor5y FixedInterest only
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR —
Firefighters Mutual Bank
Your Way Fixed Rate Interest Only Home Loan
Owner-occupier5y FixedInterest only
Interest
6.99%p.a.
Comparison*
7.03%p.a.
Monthly repayment
$3,323
LVR —
Negotiate Firefighters Mutual Bank rates with a broker
Advertised rates aren't always the rate Firefighters Mutual Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Firefighters Mutual Bank?
Firefighters Mutual Bank is the fire-and-emergency-services brand of Teachers Mutual Bank Ltd, a customer-owned banking group with around $14 billion in assets following its May 2026 merger with Australian Mutual Bank. Membership is open to firefighters and emergency-services workers and their families.
As part of a profession-mutual group, its profits are returned to members, and its lending policies are built around emergency-services employment, including shift and allowance-heavy income.
Who suits a Firefighters Mutual Bank home loan?
Firefighters Mutual Bank tends to suit fire and emergency-services personnel who want a lender that treats overtime and allowances generously and prices as a mutual. As with any profession lender, the mainstream market sometimes beats it on rate, so check the live comparison above.
Background facts checked 21 July 2026. Rates above refresh independently.
Firefighters Mutual Bank home loans: frequently asked questions
What is the lowest Firefighters Mutual Bank home loan rate?
Firefighters Mutual Bank's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.39% p.a., based on the 48 Firefighters Mutual Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Firefighters Mutual Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does Firefighters Mutual Bank's home loan rate compare to the market?
Firefighters Mutual Bank's lowest variable home loan rate today is 6.09% p.a., which is in line with the market median of 6.09% p.a. today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Firefighters Mutual Bank sits right now rather than a fixed snapshot.
How many home loan products does Firefighters Mutual Bank offer?
Ratesniffers currently tracks 48 Firefighters Mutual Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Firefighters Mutual Bank competitive for refinancing?
It depends on your loan size and LVR. Firefighters Mutual Bank's lowest comparison rate is currently 6.13% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Firefighters Mutual Bank against the sharpest available rate usually pays off.
How often are Firefighters Mutual Bank's home loan rates updated?
Ratesniffers refreshes Firefighters Mutual Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Firefighters Mutual Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Firefighters Mutual Bank rates by borrower and loan type
The same Firefighters Mutual Bank panel, filtered to the scenario you're actually shopping for.
- Firefighters Mutual Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Firefighters Mutual Bank investor ratesInvestment lending, interest-only where offered.
- Firefighters Mutual Bank refinance ratesRefinance-eligible products versus your current rate.
- Firefighters Mutual Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Firefighters Mutual Bank fixed rates1 to 5-year terms where available.
- Firefighters Mutual Bank variable ratesFlexible repayments, offset-compatible products.
- Firefighters Mutual Bank interest-only ratesIO terms, mostly investor products.
- Firefighters Mutual Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.