Interest
6.49%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Firefighters Mutual Bank Home Loan Rates
Firefighters Mutual Bank lifted its variable home-loan rates by 0.25 percentage points from 8 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
350
Variable product example
6.44%
A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Fixed product example
6.39%
A verified Firefighters Mutual Bank product example is Your Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I: 6.39% p.a. (6.71% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Variable example comparison
6.48%
A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Last updated
1 November 2026
Firefighters Mutual Bank is one of the Australian home-loan lenders we track daily. We currently surface 350 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 are Firefighters Mutual Bank home loan rates?
Ratesniffers compares Firefighters Mutual Bank home loan products by comparison rate. A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Firefighters Mutual Bank product example is Your Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I: 6.39% p.a. (6.71% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Firefighters Mutual Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Firefighters Mutual Bank home loan rate?
A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Firefighters Mutual Bank product example is Your Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I: 6.39% p.a. (6.71% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Firefighters Mutual Bank offer?
Ratesniffers currently tracks 350 Firefighters Mutual Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. 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 Investor P&I | 6.49% p.a. | 6.77% p.a. | 80% |
| Fixed 1-year Investor P&I | 6.54% p.a. | 6.77% p.a. | 98% |
| Fixed 1-year Investor P&I | 6.54% p.a. | 6.77% p.a. | n/a |
| Fixed 1-year Investor P&I | 6.54% p.a. | 6.77% p.a. | 60% |
| Fixed 1-year Investor P&I | 6.54% p.a. | 6.77% p.a. | 70% |
| Fixed 1-year Investor P&I | 6.54% p.a. | 6.77% p.a. | 80% |
| Fixed 2-year Owner-occupier P&I | 6.74% p.a. | 6.78% p.a. | 98% |
| Fixed 2-year Owner-occupier P&I | 6.74% p.a. | 6.78% p.a. | 70% |
| Fixed 2-year Owner-occupier P&I | 6.74% p.a. | 6.78% p.a. | 80% |
| Fixed 1-year Owner-occupier interest-only | 6.64% p.a. | 6.79% p.a. | n/a |
| Fixed 1-year Owner-occupier interest-only | 6.64% p.a. | 6.79% p.a. | n/a |
| Variable Investor interest-only | 6.79% p.a. | n/a | 98% |
39 of 350 tracked Firefighters Mutual Bank home loan products
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 60 to 80%
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR ≤60%
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 60 to 70%
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Firefighters Mutual BankYour Way Plus 2 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,240
LVR 90 to 98%
Firefighters Mutual BankYour Way Plus 2 Year Fixed Owner Occupied 60% - 70% LVR P&I
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,240
LVR 60 to 70%
Firefighters Mutual BankYour Way Plus 2 Year Fixed Owner Occupied 70% - 80% LVR P&I
2y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.79%p.a.
Est. interest only / month
$2,767
LVR 60 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
6.79%p.a.
Est. interest only / month
$2,767
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR 60 to 80%
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR not stated
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR ≤60%
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR 60 to 70%
Interest
6.69%p.a.
Comparison*
6.81%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,273
LVR 60 to 80%
Interest
6.84%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,273
LVR not stated
Firefighters Mutual BankYour Way Plus 1 Year Fixed Owner Occupied 80% - 90% LVR IO
1y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,273
LVR ≤60%
Firefighters Mutual BankYour Way Plus 3 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,273
LVR 90 to 98%
Firefighters Mutual BankYour Way Plus 3 Year Fixed Owner Occupied 60% - 70% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,273
LVR 60 to 70%
Firefighters Mutual BankYour Way Plus 3 Year Fixed Owner Occupied 70% - 80% LVR P&I
3y FixedOffsetRedraw
Interest
6.84%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR 60 to 80%
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR ≤60%
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR 60 to 70%
Interest
6.79%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,256
LVR 70 to 80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
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 over $14.2 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 3 September 2026. Rates above refresh independently.
Firefighters Mutual Bank fees, offset and limits at a glance
- Application or establishment fee
- $0
- Discharge fee
- $250
- Settlement fee
- $250
- Additional valuation fee
- $0
- Rate lock fee
- 0.10% of the loan amount
- Loan portability
- $200 security variation fee. At cost for discharge, title searches, registration and transfers
- Offset account
- 100% offset available on up to 8 eligible linked offset accounts.…
- Minimum offset balance
- No min balance
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- LMI can be capitalised to the loan
- Maximum total lending
- $5m total aggregate per borrower
- Extra repayments on fixed
- Your Way Fixed Home Loan, no additional repayments permitted.…
- When the fixed rate is locked
- Rate is locked for 90 days from date of application
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Sources checked 3 September 2026: Teachers Mutual Bank Ltd, About us.
Firefighters Mutual Bank home loans: frequently asked questions
What are Firefighters Mutual Bank home loan rates?
Ratesniffers compares Firefighters Mutual Bank home loan products by comparison rate. A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Firefighters Mutual Bank product example is Your Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I: 6.39% p.a. (6.71% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Firefighters Mutual Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Firefighters Mutual Bank home loan rate?
A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified Firefighters Mutual Bank product example is Your Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I: 6.39% p.a. (6.71% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Firefighters Mutual Bank home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,769 a month before fees. The selected source example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Firefighters Mutual Bank home loan?
There is no single salary requirement for a Firefighters Mutual Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Firefighters Mutual Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Firefighters Mutual Bank's home loan rate compare to the market?
A verified Firefighters Mutual Bank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
How many home loan products does Firefighters Mutual Bank offer?
Ratesniffers currently tracks 350 Firefighters Mutual Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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?
Compare Firefighters Mutual Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.