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 350 Firefighters Mutual Bank products on this page, 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. 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.
350 Firefighters Mutual Bank home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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.
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 350 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. 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.
