Home loans

Nexus Mutual has a broad range of low cost, fully featured home loans to suit your needs.

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Platinum Home Loan

  • The Platinum Home Loan is a comprehensive banking package that includes a home loan with significant interest rate discounts, a complimentary Visa Platinum Credit Card and discounts on a range of services.

    Interest from 3.89% p.a.
    Comparison rate 4.69% p.a.^
    View all lending interest rates

  • Features include:

    • Significant discounts from Nexus Mutual's standard variable rate
    • Loan pre-approval so you can buy with confidence
    • Linked savings account available with 100% interest offset for variable interest loans
    • Complimentary Visa Platinum Credit Card
    • Simple, all-inclusive annual fee
    • Fee-free redraws via mobile or internet banking
    • No fees for application, establishment, loan switching, further advances, contract variations and monthly account service fee
    • Rebate of monthly debit card access fee
    • Principal and interest, interest-only, fixed, variable and split interest rate options
    • Discounts on insurances for your home and vehicles when purchased through Nexus Mutual

    Compare our home loans

    View a summary table that compares our home loans

    How much can you save with a Platinum Home Loan package?

    The Platinum Home Loan package offers savings across cards, fees and interest rates.

    Download the Platinum Home Loan savings fact sheet

  • Need assistance with paying your deposit?

    Nexus Mutual offers a temporary loan facility that can meet short term deposit payment needs. 

    After an investment loan?

    The Platinum Home Loan package is also available to investors who want to take advantage of a fully featured loan. 

    Before you apply

    Review our Home Loan Application Checklist to find out what supporting documentation you'll need to provide. 

    Apply online

    Apply online now
    Start and stop at any time.

    Skype booking

    Make a Skype appointment
    Chat to us at home or at work.

    Download form

    Download an application form
    Print your completed form and send it to us.

Essentials Home Loan

  • The Essentials Home Loan is a straightforward loan with a low rate that allows you to make extra payments and redraw extra funds at any time without penalty.

    Essentials Principal & Interest 3.65% p.a.* 
    Comparison rate 3.79% p.a.^
    View all lending interest rates

    *New borrowings only

Standard Home Loan

  • The Standard Home Loan has a competitive rate that gives you the flexibility to make extra payments and redraw extra funds at any time without penalty, or with the option of a 100% offset facility for your loan.

    Interest from 4.09% p.a.
    Comparison rate 5.05% p.a.^
    View all lending interest rates

  • Features

    • Loan pre-approval so you can buy with confidence
    • Fixed, variable, and split interest rates
    • Available for home and investment purposes
    • Make lump sum payments or redraw online without charge
    • Linked savings account available with 100% interest offset for variable interest loans
    • Interest only facility available

    Compare our home loans

    View a summary table that compares our home loans

    Need assistance with paying your deposit?

    Nexus Mutual offers a temporary loan facility that can meet short term deposit payment needs. 

    After an investment loan?

    The Standard Home Loan is also available to investors who want to purchase residential property. 

  • Before you apply

    Review our Home Loan Application Checklist to find out what supporting documentation you'll need to provide. 

    Apply online

    Apply online now
    Start and stop at any time.

    Skype booking

    Make a Skype appointment
    Chat to us at home or at work.

    Download form

    Download an application form
    Print your completed form and send it to us.

Family Support Home Loan

  • Our Family Support Home Loan Option helps first home buyers use equity in a family member’s house as security on their home loan.

    Fixed rate from 3.49% p.a.
    (comparison rate 4.66% p.a.*^)
    Owner occupier rate, new loans only
    View all lending interest rates

  • As a first home buyer, saving for that elusive deposit is becoming harder with property prices at an all-time high and the cost of living ever increasing.

    Our Family Support Home Loan Option is available on the Platinum Home Loan. It helps first home buyers to use equity in a family member’s house as security on their home loan.

    • Family can offer a helping hand without having to borrow against their property or stump up cash to help the first home buyer in their life
    • Only a portion of the loan is guaranteed by the family member’s property – meaning that once the standard loan to value ratio requirements have been met (due to repayments or a rise in valuation), the guarantee can be released
    • No impact on eligibility of the First Home Owner Grant
    • A handy way to avoid paying Lenders Mortgage Insurance (LMI), if the arrangement allows the borrower to secure more than 20% of the property price as a deposit

    Any employee or long term contractor to the ExxonMobil group and their family members (for example children and in some cases siblings, grandchildren, nieces and nephews) are eligible to apply for a Family Support Home Loan Option.

    Boost your home loan savings

    Our Home Saver account is a great way to boost home loan savings. You earn extra interest on your deposit of at least $100 when you make no withdrawals in the same calendar month. You’ll also get added benefits like a 0.50% p.a. interest rate discount when you put your savings from this account towards a Nexus Mutual home loan.  Find out more.

  • New Owner-Occupied Principal & Interest home loans

    Term Fixed interest rate Comparison rate*
    1 year 3.49% p.a. 4.66% p.a.
    2 years 3.59% p.a. 4.60% p.a.
    3 years 3.79% p.a. 4.59% p.a.
    4 years 3.99% p.a. 4.62% p.a.
    5 years 4.09% p.a. 4.63% p.a.

    Before you apply

    Review our Home Loan Application Checklist to find out what supporting documentation you'll need to provide.

    Download form

    Download an application form
    Print your completed form and send it to us.

    Skype booking

    Make a Skype appointment
    Chat to us at home or at work.

    †Terms and conditions apply. Read our Account and Access Facility Terms and Conditions brochure  for details.

Line of Credit

  • A Line of Credit is a mortgage-secured loan facility that allows you to take advantage of the equity in your home. With a Line of Credit, you can withdraw funds and make payments into your loan at any time.

    Interest from 4.60% p.a.
    View all lending interest rates

  • Features

    • Convenient - you'll have no need to apply for a loan each time you need to make a significant purchase
    • A very low interest rate as the Line of Credit is mortgage-secured. You could use a Line of Credit to pay off a credit card or consolidate other debt
    • Repayment flexibility - no fixed repayment period or amount. If you have a windfall you could pay it into your Line of Credit as there are no early repayment fees
    • Attached to a separate account. If the Line of Credit is used for investment purposes, interest paid and fees incurred are easy to identify when preparing tax returns
    • Allows you to use the equity in your property when it suits you. When not in use, no interest is charged
    • Once approved, it is completely your choice how much you use it, when you use it, and when you pay it back
  • Before you apply

    Review our Home Loan Application Checklist to find out what supporting documentation you'll need to provide. 

    Apply online

    Apply online now
    Start and stop at any time.

    Skype booking

    Make a Skype appointment
    Chat to us at home or at work.

    Download form

    Download an application form
    Print your completed form and send it to us.

Bridging Loan

  • Features include:

    • Loan pre-approval so you can buy with confidence
    • Loan term from one day to one year
    • Provides short term funding when changing homes
    • Repayment required only at the end of the loan
    • Borrower can choose to make principal repayments during the loan term without penalty

    Need assistance with paying your deposit?

    Nexus Mutual offers a temporary loan facility that can meet short term deposit payment needs. 

  • Before you apply

    Review our Home Loan Application Checklist to find out what supporting documentation you'll need to provide. 

    Download form

    Download an application form
    Print your completed form and send it to us.

    Skype booking

    Make a Skype appointment
    Chat to us at home or at work.

    *Bridging loan comparison rates are included for the amounts and terms required by legislation, however Nexus Mutual does not offer bridging loans for longer than 12 months.

Investment Plus Loan

  • A specially structured fixed-rate interest only investment loan, purpose built for investors. 

    Interest from 4.19% p.a.
    Comparison rate from 5.73% p.a.^

    View all lending interest rates

    • Manage your finances – pay next year's interest in advance
    • Low fixed rate
    • Transaction Fee rebate
  • Features of the Investment Plus Loan

    Standard Terms

    • Nexus Mutual standard variable rate (after fixed rate period)
    • Fixed interest rate is discounted from Nexus Mutual's standard variable rate
    • Loan term is 20 years (renewed annually)
    • Minimum loan amount is $20,000
    • Talk to one of our Home Loan Specialists about the maximum loan amount

    Repayment options

    • Interest only during the fixed rate period
    • Pay principal and interest or interest only during variable rate period
    • Repayments are monthly
    • Interest only loan repayments can be paid annually in advance
    • Additional payments are not available during interest only or fixed rate interest periods of the loan
    • Early repayments are not available during interest in advance period

    Other features

    • Offset facility is available once the fixed rate period is completed
    • Redraw facility available during variable rate periods only
  • Before you apply

    Review our Home Loan Application Checklist to find out what supporting documentation you'll need to provide. 

    Apply online

    Apply online now
    Start and stop at any time.

    Skype booking

    Make a Skype appointment
    Chat to us at home or at work.

    Download form

    Download an application form
    Print your completed form and send it to us.

^ Based on a secured loan of $150,000 for a term of 25 years. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.