2-Year Fixed Home Loan, Owner-Occupied P+I or Investment Property 4.74% p.a. (OO 5.58%CR, IP 5.98%CR) @ Australian Mutual

51

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kcome on 09/09/2025 - 13:49 australianmutual.bank (458 clicks)
Last edited 12/09/2025 - 17:01 by 2 other users

Just saw this deal during my Homeloan browsing.

Given there is no clear view of how many more rate cut RBA might hand out, I find this deal seemingly attractive: 50 bps lower than 80% of other banks, equals having 2 rate cuts after settlement if you are at 5.24%.

If you are a first home buyer, there is another 0.1% discount giving you 4.64% 2years fixed rate.

Even with investment property, even with interest-only, the 2-year fixed rate is the same as owner occupied.

UPDATE: The special rate for investment loan min amount is $500,000.

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• 

  Duckie2hh on 09/09/2025 - 14:17

  +7

  I would not fix at this point in time…. Just my 5 cents.

  • 

    senectus on 09/09/2025 - 14:48

    +1

    I'm out of contract now.. 100% on variable. so this is pretty close for me.
    a 2 year contract isnt unattractive.

  • 

    Lit Homie on 09/09/2025 - 19:14

    listen to this comment team

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  Captain Yobbo on 09/09/2025 - 14:24

  -1

  This is silly, just because of some conjecture over the latest inflation data and that the RBA might not drop the cash rate this month is absolutely no reason to panic & lock in a comparison rate north of 5%.

  • 

    nubix on 09/09/2025 - 14:30

    +4

    This is a particularly good rate because it's not higher for IP and IO - existing IP+IO rates are probably a whole % higher. Totally agree for P&I OO rates though.

• 

  plmko on 09/09/2025 - 14:37

  Am I missing something?

  The comparison rates suck balls. Who would fix at 5.5% unless this is an interest only loan which it clearly is not.

  • 

    Whatisthatvelvet on 09/09/2025 - 15:31

    +3

    Comparison rates take into account that the loan is taken over 25 years. And also what the current rate is once you come off the 2 year fixed.
    It's really a flawed number to base a decision on.

• 

  mooreshady on 09/09/2025 - 14:46

  i will take it if is variable!

• 

  payless69 on 09/09/2025 - 15:23

  Given the present "Mao" sentiment out of Canberra experts point to a lowering.

  • 

    mr_asstight on 09/09/2025 - 17:26

    -1

    Far left gov now

    • 

      mskeggs on 09/09/2025 - 17:52

      Lol

• 

  mr_asstight on 09/09/2025 - 17:25

  Hodl

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  smiles on 10/09/2025 - 10:57

  Say you are on 5.54% ROI with PPOR.. And even if RBA gives 3 rate cuts in the next 18-24 months, won't you be better off with 4.74% instead of [ 5.54 - 0.75 = 4.79% ] ?

  • 

    kcome on 10/09/2025 - 13:30

    5.54% is not a competitive rate today. So today’s “one of lowest variable rates” should be 5.24% for residential and 0.05%-0.10% higher for investment property. What I said this deal looks not bad is : it equals 2 rate cuts to “one of today’s lowest variable rate”. Since no one can foresee the future for sure, including banks, we are all act based on our own estimate (guess or gamble).

• 

  Makaveli99 on 12/09/2025 - 00:25

  Thank you kcome, it’s actually a good deal

• 

  dumkaze on 12/09/2025 - 15:33

  +1

  That two-year interest-only investment rate of 4.74% is quite attractive, and the estimated moving cost is around $1,500.I am seriously considering it, My current rate is 5.32

  • 

    Makaveli99 on 15/09/2025 - 14:32

    What bank are u currently with & are u IO.

    4.74 fixed 2 year, IO 4.74 is very good.
    I’m thinking on it as well but I would love an offset.

    I might go looking for variable but best would be 5.54 lol which is with main lender.
    Lower exist with smaller lenders: IO investor are 5.44 IO, Queensland county bank, horizon bank, pacific Morgage group.

    • 

      dumkaze on 17/09/2025 - 21:16

      +1

      Currently I am with Me Bank, it's own occupied loan

• 

  abbybishop90 on 22/09/2025 - 11:47

  Sub 5% is great - what's the catch!