A home loan that goes the extra mile

At G&C Mutual Bank, we understand that being a teacher isn’t always easy. You show up every day, shaping minds and building futures, often without the recognition you deserve. While you’re busy supporting students, the rising cost of living and increasing house prices can make it harder to secure a home close to where you work. And, of course, there’s no way for you to do what you do from home.

During the Covid-19 pandemic, these difficulties only increased. Despite the risk, teachers continued to show up and do their critical work for the community. We thought that contribution should be recognised.

That’s why we created the Essential Worker Home Loan. It’s designed specifically to support essential workers like teachers with real value, more flexibility and genuine care.

Supporting those who support us

This isn’t just another home loan. It’s built around the realities of your life as a teacher and aims to give you the support you need to make homeownership more achievable.

Here’s what you’ll get:

• The same low interest rate all the way up to 95% LVR¹
• No monthly or establishment fees
• A 100% offset account² to help reduce interest and pay off your loan faster
• Unlimited extra repayments and redraw³ access
• Up to $1,000 to help cover third-party costs⁴ like legal and valuation fees

Every feature is designed to ease the financial pressure and help you feel more in control, whether you’re buying your first home or refinancing.

Award-winning recognition

The Essential Worker Home Loan was recognised with the Finder Innovation Award for Social Impact. That recognition matters because it means the support we’re offering isn’t just nice in theory – it’s delivering real, measurable impact for essential workers across Australia.

A bank that puts people first

G&C Mutual Bank is customer-owned. That means our focus isn’t on shareholders, but on you. We’ve spent over 60 years supporting essential workers, and we understand what meaningful support looks like.

We know that what you do matters. And we believe your home loan should reflect that.

So, let’s get you home

If you’re a teacher looking to buy your first home, refinance your current one, or simply want a fairer deal from your bank, we’re ready to help.

Talk to our team today to see how the Essential Worker Home Loan can support your next step.

Apply online

Or call 1300 364 400 to talk to us.

Because home is essential too. And you deserve one that feels truly yours.

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G&C Mutual Bank Limited | ABN 72 087 650 637 | AFSL & Australian Credit Licence 238311.

Eligibility criteria, terms and conditions and fees and charges apply. Available when at least one borrower meets essential worker criteria as a frontline ambulance officer, paramedic, firefighter, police officer, corrective services officer, nurse, aged care or disability worker, teacher, early childhood educator, defence or military personnel. For new security or new refinance applications only. Not available for existing Unity Bank or G&C Mutual Bank Loans.

1. Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).

2. Not available on the Fixed Rate Home Loan or the fixed portion of a Split Home Loan.

3. Minimum redraw amount of $100 applies. Redraw is available on the loan provided applicants have made additional loan repayments.

4. $1000 towards third party costs including valuation, registration, mortgage preparation and title search. Offer may be amended or withdrawn at any time.

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