Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤60%
Firefighters Mutual Bank Home Loan Rates
Tracked products
350
Lowest variable
5.99%
Lowest fixed
6.39%
Lowest comparison
6.03%
Last updated
11 Sept 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?
Firefighters Mutual Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 6.39% p.a., checked daily (last verified 11 Sept 2026). 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?
The lowest Firefighters Mutual Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 40 Firefighters Mutual Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
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 40 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 |
|---|---|---|---|
| Fixed 5-year Owner-occupier interest-only | 6.99% p.a. | n/a | 60% |
| Fixed 5-year Owner-occupier interest-only | 6.99% p.a. | n/a | 70% |
| Fixed 5-year Owner-occupier interest-only | 6.99% p.a. | n/a | 80% |
| Fixed 3-year Investor interest-only | 6.99% p.a. | n/a | 95% |
| Fixed 2-year Investor interest-only | 6.99% p.a. | n/a | 90% |
| Fixed 3-year Investor interest-only | 6.99% p.a. | n/a | 90% |
| Fixed 5-year Investor interest-only | 6.99% p.a. | n/a | 60% |
| Fixed 5-year Investor interest-only | 6.99% p.a. | n/a | 70% |
| Fixed 5-year Investor interest-only | 6.99% p.a. | n/a | 80% |
| Fixed 1-year Investor interest-only | 6.79% p.a. | 7.03% p.a. | 98% |
| Fixed 1-year Investor interest-only | 6.79% p.a. | 7.03% p.a. | n/a |
| Fixed 3-year Owner-occupier interest-only | 7.04% p.a. | n/a | 90% |
40 of 350 tracked Firefighters Mutual Bank home loan products
Firefighters Mutual BankYour Way Plus 5 Year Fixed Owner Occupied 60% - 70% LVR IO
5y FixedOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 60 to 70%
Firefighters Mutual BankYour Way Plus 5 Year Fixed Owner Occupied 70% - 80% LVR IO
5y FixedOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 70 to 80%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤95%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 80 to 90%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 80 to 90%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤60%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 60 to 70%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
7.03%p.a.
Est. repayment
$3,256
LVR 60 to 80%
Interest
6.79%p.a.
Comparison*
7.03%p.a.
Est. repayment
$3,256
LVR not stated
Firefighters Mutual BankYour Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR IO
3y FixedOffsetRedraw
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 80 to 90%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤95%
Interest
6.99%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,323
LVR 60 to 80%
Interest
6.99%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,323
LVR 60 to 80%
Interest
6.99%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,323
LVR not stated
Interest
6.99%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,323
LVR not stated
Interest
6.94%p.a.
Comparison*
7.09%p.a.
Est. repayment
$3,306
LVR 60 to 80%
Interest
6.94%p.a.
Comparison*
7.09%p.a.
Est. repayment
$3,306
LVR not stated
Firefighters Mutual BankYour Way Plus 1 Year Fixed Owner Occupied 90% - 95% LVR IO
1y FixedOffsetRedraw
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR 90 to 95%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤95%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 90 to 95%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 90 to 95%
Firefighters Mutual BankYour Way Plus 2 Year Fixed Owner Occupied 90% - 95% LVR IO
2y FixedOffsetRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 90 to 95%
Firefighters Mutual BankYour Way Plus 4 Year Fixed Owner Occupied 80% - 90% LVR IO
4y FixedOffsetRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 80 to 90%
Firefighters Mutual BankYour Way Plus 4 Year Fixed Owner Occupied 90% - 95% LVR IO
4y FixedOffsetRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 90 to 95%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤95%
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR ≤95%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 90 to 95%
Firefighters Mutual BankYour Way Plus 5 Year Fixed Owner Occupied 80% - 90% LVR IO
5y FixedOffsetRedraw
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 80 to 90%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 90 to 95%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 90 to 95%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 90 to 95%
Interest
7.19%p.a.
Comparison*
Not available
Est. repayment
$3,391
LVR 90 to 95%
Firefighters Mutual BankYour Way Plus 3 Year Fixed Owner Occupied 90% - 95% LVR IO
3y FixedOffsetRedraw
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 90 to 95%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 80 to 90%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 90 to 95%
Firefighters Mutual BankYour Way Plus 5 Year Fixed Owner Occupied 90% - 95% LVR IO
5y FixedOffsetRedraw
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR 90 to 95%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR 80 to 90%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR 90 to 95%
*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 4 Sept 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?
Firefighters Mutual Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.99% p.a., and the lowest fixed rate is 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare Firefighters Mutual Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Firefighters Mutual Bank balance, use /calculators/extra-repayment.
What is the lowest Firefighters Mutual Bank home loan rate?
Firefighters Mutual Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.39% p.a., based on the 40 Firefighters Mutual Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Firefighters Mutual Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Firefighters Mutual Bank home loan?
At Firefighters Mutual Bank's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Firefighters Mutual Bank home loan?
There is no single salary. Like every Australian lender, Firefighters Mutual Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.99% p.a. is assessed at about 8.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Firefighters Mutual Bank's home loan rate compare to the market?
Firefighters Mutual Bank's lowest variable home loan rate today is 5.99% p.a., which is 25 basis points below the market median of 6.24% p.a., which puts Firefighters Mutual Bank among the more competitive lenders on variable rates 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 350 Firefighters Mutual Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 40 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?
It depends on your loan size and LVR. Firefighters Mutual Bank's lowest comparison rate is currently 6.03% 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 11 Sept 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.