Teachers Mutual Bank · Variable · Updated October 2026

Teachers Mutual Bank Variable Home Loans, October 2026

Teachers Mutual Bank lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.19% p.a. (comparison rate 6.23% p.a.), on Your Way Basic Home Loan <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Teachers Mutual Bank variable home loan rates, October 2026

Teachers Mutual BankYour Way Basic Home Loan <60% LVR Owner Occupied P&I

VariableRedraw

Interest

6.19%p.a.

Comparison*

6.23%p.a.

Est. repayment

$3,059

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied <60% LVR P&I

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,059

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied <60% LVR P&I

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,059

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 60% - 70% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Teachers Mutual BankYour Way Basic Home Loan Owner Occupied P&I (5% Deposit Scheme)

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.48%p.a.

Est. repayment

$3,141

LVR ≤98%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied <60% LVR IO

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied <60% LVR IO

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Basic Home Loan <60% LVR Owner Occupied IO

VariableRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Basic Home Loan <60% LVR Investment P&I

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.53%p.a.

Est. repayment

$3,157

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 60% - 70% LVR Investment P&I

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.53%p.a.

Est. repayment

$3,157

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 70% - 80% LVR Investment P&I

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.53%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

Teachers Mutual BankYour Way Plus Investment <60% LVR IO

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Plus Investment <60% LVR IO

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Basic Home Loan <60% LVR Investment IO

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤60%

Enquire

Teachers Mutual BankYour Way Plus Investment 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Plus Investment 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 60% - 70% LVR Investment IO

VariableRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Basic Home Loan 60% - 70% LVR Owner Occupied IO

VariableRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 60 to 70%

Enquire

Teachers Mutual BankYour Way Plus Home Loan

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.72%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Teachers Mutual BankYour Way Home Loan

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.72%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

Teachers Mutual BankYour Way Plus Owner Occupied >90% LVR P&I (5% Deposit Scheme)

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.72%p.a.

Est. repayment

$3,141

LVR 90 to 98%

Enquire

*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.

Teachers Mutual Bank · Variable

Teachers Mutual Bank variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.