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Teachers 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

Teachers Mutual Bank is a customer-owned bank serving the education sector, also operating UniBank, Firefighters Mutual Bank and Health Professionals Bank under one cooperative structure. Its Your Way Plus and Solutions Plus home loans add offset and redraw for sector members.

What is the lowest Teachers Mutual Bank home loan rate?

The lowest Teachers 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 Teachers Mutual Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Teachers Mutual Bank offer?

Ratesniffers currently tracks 48 Teachers 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.

Teachers Mutual Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.98%
Variable Owner-occupier interest-only6.09% p.a.6.13% p.a.98%
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Variable Owner-occupier interest-only6.09% p.a.6.13% p.a.100%
Variable Investor interest-only6.34% p.a.6.38% p.a.98%
Variable Investor P&I6.34% p.a.6.38% p.a.98%
Variable Investor interest-only6.34% p.a.6.38% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.100%
Fixed 2-year Investor P&I6.39% p.a.6.43% p.a.98%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%
Fixed 2-year Investor P&I6.39% p.a.6.43% p.a.100%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%

48 Teachers Mutual Bank home loan products

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Advertised rates aren't always the rate Teachers Mutual Bank actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is Teachers Mutual Bank?

Teachers Mutual Bank has served the education sector since 1966. Membership is open to people who work, have worked or are studying in education, plus their immediate families, and in May 2026 it completed a merger with Australian Mutual Bank, lifting the group to around $14 billion in assets.

The wider Teachers Mutual Bank Ltd group also operates UniBank, Health Professionals Bank and Firefighters Mutual Bank as profession-based brands on the same licence, all customer-owned.

Who suits a Teachers Mutual Bank home loan?

Teachers Mutual Bank tends to suit teachers and education staff who want a customer-owned lender that understands their pay structures, including allowances and part-time loads. Mutual pricing is often sharp for the sector, but compare its comparison rate against the whole market in the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Teachers Mutual Bank home loans: frequently asked questions

What is the lowest Teachers Mutual Bank home loan rate?

Teachers 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 Teachers Mutual Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Teachers Mutual Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does Teachers Mutual Bank's home loan rate compare to the market?

Teachers 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 Teachers Mutual Bank sits right now rather than a fixed snapshot.

How many home loan products does Teachers Mutual Bank offer?

Ratesniffers currently tracks 48 Teachers 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 Teachers Mutual Bank competitive for refinancing?

It depends on your loan size and LVR. Teachers 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 Teachers Mutual Bank against the sharpest available rate usually pays off.

How often are Teachers Mutual Bank's home loan rates updated?

Ratesniffers refreshes Teachers Mutual Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Teachers 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.

Teachers Mutual Bank rates by borrower and loan type

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