Teachers Mutual Bank home loan rates
Ranked by advertised rate, Teachers Mutual Bank's lowest advertised rate we track is 6.19% advertised (6.25% comparison) on the Your Way Home Loan - owner-occupier, P&I - 4th of 31 lenders we track. Rates as at 31 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.19% advertised (6.25% comparison) on the Your Way Home Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 6.39% advertised (6.51% comparison) on the Your Way fixed rate, 1-year term. Rates as at 31 Oct 2026.
We track 7 Teachers Mutual Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 31 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.19% on the Your Way Home Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,671 a month (an arithmetic example, not a quote or an offer). Rates as at 31 Oct 2026.
Teachers Mutual Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
Teachers Mutual Bank has changed 2 variable rates in its published data since:
- Your Way Home Loan - owner-occupier, P&I5.94% → 6.19%(+25 bp)matches the cash rate move
- Your Way Plus Home Loan - owner-occupier, P&I5.94% → 6.19%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
Teachers Mutual Bank products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Your Way Home Loan - owner-occupier, P&ITeachers Mutual Bank | Variable | 6.19% | 6.25% | — | link |
Your Way Plus Home Loan - owner-occupier, P&ITeachers Mutual Bank | Variable | 6.19% | 6.49% | 60% | link |
Your Way fixed rate, 1-year termTeachers Mutual Bank | Fixed 1yr | 6.39% | 6.51% | — | link |
Your Way fixed rate, 2-year termTeachers Mutual Bank | Fixed 2yr | 6.74% | 6.60% | — | link |
Your Way fixed rate, 3-year termTeachers Mutual Bank | Fixed 3yr | 6.84% | 6.68% | — | link |
Your Way fixed rate, 4-year termTeachers Mutual Bank | Fixed 4yr | 6.89% | 6.75% | — | link |
Your Way fixed rate, 5-year termTeachers Mutual Bank | Fixed 5yr | 7.04% | 6.87% | — | link |
Teachers Mutual Bank recent rate changes
2 of Teachers Mutual Bank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Your Way Home Loan - owner-occupier, P&I5.94% → 6.19%(+25 bp)previous value last seen 8 Oct 2026
- Your Way Plus Home Loan - owner-occupier, P&I5.94% → 6.19%(+25 bp)previous value last seen 8 Oct 2026
Add RBA decision and CPI release dates to your calendar: Apple or Outlook · Google Calendar · .ics file.