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Home Loan Repayments
Refinance comparison
Extra home loan repayments
Borrowing Power

Home Loan Repayment

If you’re trying to work out which home loan works best for you, it helps to know how your repayments will be structured. Your repayments will vary according to how much you borrow, whether your loan comprises of principal & interest repayments or interest only, and how frequently you choose to make repayments.

Refinance comparison

Our home refinance comparison calculator allows you to compare two different loan options, sharing the loan amount and loan term as common details to determine which will benefit you the most

Extra home loan repayment

Extra repayments on your loan may significantly reduce the amount of interest you pay over the life of the loan, and how long it takes to repay it. It’s worthwhile researching the potential impact of making regular additional contributions – just $20 dollars extra per week can save you significantly in interest in the long term, and reduce the time it takes to repay your loan.

Borrowing Power

Applying for a home loan can be complicated, but we’re here to help with our borrowing power calculator. How much you can borrow will depend on how much you earn, whether you’re making a single application or applying with your partner, and other things you may need to pay for such as dependent children or credit card debt.

Product Comparison

Compare loan products

Get the rate that is right for you, compare our products below

Fixed Rate All Purpose Personal Loan

Our Fixed Rate All Purpose Personal Loan allows you to lock in your interest rate and repayments for a fixed period. You can use this loan to bundle your debts (up to $50k)2, pay for a wedding or fund your next big purchase.

Learn more

8.95
%
pa
Interest rate – 5 year fixed
9.38
%
pa**
Comparison Rate - 5 year fixed
  • No ongoing fees
  • A competitive fixed interest rate
  • Choose weekly, fortnightly or monthly repayments
Apply
8.95
%
pa
Interest rate – 5 year fixed
9.38
%
pa**
Comparison Rate - 5 year fixed
All Purpose Personal Loan

Our personal loan can help you bundle your debts (up to $50k)2 and help you simplify the way you manage your finances.

Learn more

13.19
%
pa
Interest rate
13.90
%
pa**
Comparison rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
  • A competitive variable interest rate
Apply
13.19
%
pa
Interest rate
13.90
%
pa**
Comparison rate
Car Loan

With our car loan you can buy the car of your dreams, whether it's a new or used car up to 10 years old.

Learn more

9.95
%
pa
Interest rate
10.64
%
pa**
Comparison rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
  • A competitive variable interest rate
Apply
9.95
%
pa
Interest rate
10.64
%
pa**
Comparison rate
Fixed Rate Car Loan

If you’re looking for a competitive rate and want to lock in your repayments for the duration of your loan, our Fixed Rate Car Loan is a great option. You can borrow as little as $10,000 for a new or used vehicle up to 10 years old.

Learn more

4.99
%
pa
Interest rate – 3 year fixed
5.66
%
pa**
Comparison Rate - 3 year fixed
  • No ongoing fees
  • Choose weekly, fortnightly or monthly repayments
  • A competitive fixed interest rate
Apply
4.99
%
pa
Interest rate – 3 year fixed
5.66
%
pa**
Comparison Rate - 3 year fixed

Product Comparison 2 Column

Compare loan products

Get the rate that is right for you, compare our products below

Fixed Rate All Purpose Personal Loan

Our Fixed Rate All Purpose Personal Loan allows you to lock in your interest rate and repayments for a fixed period. You can use this loan to bundle your debts (up to $50k)2, pay for a wedding or fund your next big purchase.

Learn more

8.95
%
pa
Interest rate – 5 year fixed
9.38
%
pa**
Comparison Rate - 5 year fixed
  • No ongoing fees
  • A competitive fixed interest rate
  • Choose weekly, fortnightly or monthly repayments
Apply
8.95
%
pa
Interest rate – 5 year fixed
9.38
%
pa**
Comparison Rate - 5 year fixed
All Purpose Personal Loan

Our personal loan can help you bundle your debts (up to $50k)2 and help you simplify the way you manage your finances.

Learn more

13.19
%
pa
Interest rate
13.90
%
pa**
Comparison rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
  • A competitive variable interest rate
Apply
13.19
%
pa
Interest rate
13.90
%
pa**
Comparison rate
Car Loan

With our car loan you can buy the car of your dreams, whether it's a new or used car up to 10 years old.

Learn more

9.95
%
pa
Interest rate
10.64
%
pa**
Comparison rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
  • A competitive variable interest rate
Apply
9.95
%
pa
Interest rate
10.64
%
pa**
Comparison rate
Fixed Rate Car Loan

If you’re looking for a competitive rate and want to lock in your repayments for the duration of your loan, our Fixed Rate Car Loan is a great option. You can borrow as little as $10,000 for a new or used vehicle up to 10 years old.

Learn more

4.99
%
pa
Interest rate – 3 year fixed
5.66
%
pa**
Comparison Rate - 3 year fixed
  • No ongoing fees
  • Choose weekly, fortnightly or monthly repayments
  • A competitive fixed interest rate
Apply
4.99
%
pa
Interest rate – 3 year fixed
5.66
%
pa**
Comparison Rate - 3 year fixed

Product Comparison 3 Column

Compare loan products

Get the rate that is right for you, compare our products below

Fixed Rate All Purpose Personal Loan

Our Fixed Rate All Purpose Personal Loan allows you to lock in your interest rate and repayments for a fixed period. You can use this loan to bundle your debts (up to $50k)2, pay for a wedding or fund your next big purchase.

Learn more

8.95
%
pa
Interest rate – 5 year fixed
9.38
%
pa**
Comparison Rate - 5 year fixed
  • No ongoing fees
  • A competitive fixed interest rate
  • Choose weekly, fortnightly or monthly repayments
Apply
8.95
%
pa
Interest rate – 5 year fixed
9.38
%
pa**
Comparison Rate - 5 year fixed
All Purpose Personal Loan

Our personal loan can help you bundle your debts (up to $50k)2 and help you simplify the way you manage your finances.

Learn more

13.19
%
pa
Interest rate
13.90
%
pa**
Comparison rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
  • A competitive variable interest rate
Apply
13.19
%
pa
Interest rate
13.90
%
pa**
Comparison rate
Car Loan

With our car loan you can buy the car of your dreams, whether it's a new or used car up to 10 years old.

Learn more

9.95
%
pa
Interest rate
10.64
%
pa**
Comparison rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
  • A competitive variable interest rate
Apply
9.95
%
pa
Interest rate
10.64
%
pa**
Comparison rate
Fixed Rate Car Loan

If you’re looking for a competitive rate and want to lock in your repayments for the duration of your loan, our Fixed Rate Car Loan is a great option. You can borrow as little as $10,000 for a new or used vehicle up to 10 years old.

Learn more

4.99
%
pa
Interest rate – 3 year fixed
5.66
%
pa**
Comparison Rate - 3 year fixed
  • No ongoing fees
  • Choose weekly, fortnightly or monthly repayments
  • A competitive fixed interest rate
Apply
4.99
%
pa
Interest rate – 3 year fixed
5.66
%
pa**
Comparison Rate - 3 year fixed
Travel Loan

Use our Travel Loan to pay for travel and travel related expenses like accommodation or travellers cheques.

Learn more

11.45
%
pa
Interest rate
12.15
%
pa**
Comparison rate
  • A competitive variable interest rate
  • No ongoing fees
  • Make extra repayments
  • Choose weekly, fortnightly or monthly repayments
Apply
11.45
%
pa
Interest rate
12.15
%
pa**
Comparison rate

Credit Cards

Subtitle for credit card FAQ

Do I have to be a member to open an account?

You can open an account with the Bank as a Member or a Customer. If you’re not a Member already, you’ll need to join first. You can find more information about becoming a Member. If you prefer to open an account as a customer, complete the customer application form webpage.

What features are available

We’re proud to announce that Teachers Mutual Bank has received recognition in the Mozo Expert Choice Credit3 Card Awards for best Fee Free and Low Rate Credit Card for 2016. Our Credit Card was awarded Money magazine's4 2014 Best of the Best Award for: Cheapest Credit Card - Bank.

How do I open an account?

Members can quickly and easily open a new account through Internet Banking. If you’re not a Member already, you’ll need to join first. You can find more information about becoming a Member.

Home Loans

TMBL home page banner
Resources
Whether you are entering the market for the first time, looking to refinance or simply working out how much you can borrow, we have broken down each step so you have all the information you need in one place.
TMBL home page banner
Resources
Whether you are entering the market for the first time, looking to refinance or simply working out how much you can borrow, we have broken down each step so you have all the information you need in one place.
Female office worker pensive with greenery behind her
Home Loans
Find your forever home Let one of our experienced home loan officers walk you through your options.
Female office worker holding notebook in open plan office
Refinance your home
Get access to home equity to renovate Need access to ready cash to renovate your home? Talk to one of our home loan experts about accessing the capitol in your home loan to make those urgently needed changes, add a new bedroom or expand the garage.
Worker installing solar panels to building rooftop
Redraw facility
Redraw from your extra payments For those times when unexpected expenses come up, use the equity in your home loan to pay for those emergencies. Car needs a new gearbox... Don't panic! We can arrange a redraw facility against your home loan account to allow access to funds for when unexpected expenses come up. 
Bank brands featured on glass wall
Our Brands
Banking services for a number of essential services TMBL brands include Firemans, Unibank and Brokers sites as well as banking services for teachers. 
Work colleagues in grey suits meeting
Banking expertise
Talk to our experts Your place or ours, We provide banking and investment advice in our branches or talk to one of our friendly experts in your home or business.

Home Loans

Female office worker pensive with greenery behind her
Home Loans
Find your forever home Let one of our experienced home loan officers walk you through your options.
Join Now
Female office worker holding notebook in open plan office
Refinance your home
Get access to home equity to renovate Need access to ready cash to renovate your home? Talk to one of our home loan experts about accessing the capitol in your home loan to make those urgently needed changes, add a new bedroom or expand the garage.
Worker installing solar panels to building rooftop
Redraw facility
Redraw from your extra payments For those times when unexpected expenses come up, use the equity in your home loan to pay for those emergencies. Car needs a new gearbox... Don't panic! We can arrange a redraw facility against your home loan account to allow access to funds for when unexpected expenses come up. 
Bank brands featured on glass wall
Our Brands
Banking services for a number of essential services TMBL brands include Firemans, Unibank and Brokers sites as well as banking services for teachers. 
Work colleagues in grey suits meeting
Banking expertise
Talk to our experts Your place or ours, We provide banking and investment advice in our branches or talk to one of our friendly experts in your home or business.

Tabbed Tiles

A series of tiles tabbed, with or without images

Tailored Home Loans
Redraw Facility

We don't just loan money for houses but for homes

Find your forever home

You know that feeling, when you find that house that is to be your forever home. Get pre-approved for your home finance so that you can feel confident on auction day that your bid is affordable and that home can be yours.

Management

The Big Kahuna's

This is Hipster Ipsum text to fill the whitespace on this page. Edison bulb single-origin coffee live-edge, microdosing before they sold out blue bottle food truck freegan skateboard bespoke drinking vinegar tilde ascot whatever.

Tailored Home Loans

We don't just loan money for houses but for homes

You know that feeling, when you find that house that is to be your forever home. Get pre-approved for your home finance so that you can feel confident on auction day that your bid is affordable and that home can be yours.

Redraw Facility

Management

This is Hipster Ipsum text to fill the whitespace on this page. Edison bulb single-origin coffee live-edge, microdosing before they sold out blue bottle food truck freegan skateboard bespoke drinking vinegar tilde ascot whatever.

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