Teachers Mutual Bank Ltd Mortgage products

Product Name

Teachers Mutual Bank Ltd Mortgage products


Teachers Mutual Bank Ltd




Mortgage backed product



Certified Since


Asset Classes




Investment Approaches

Negative Screening, Minimum-standards (norms-based) screening

It Includes:

    It has some level of screening for:

      It fully excludes:

      • Riaa icons 41 Alcohol
      • Riaa icons 36 Armaments
      • Riaa icons 33 Fossil fuels
      • Riaa icons 42 Gambling
      • Riaa icons 34 Logging
      • Riaa icons 50 Nuclear power
      • Riaa icons 99 Pornography
      • Riaa icons 35 Tobacco


      Teachers Mutual Bank Limited (‘the Bank’) operates four brands: Firefighters Mutual Bank, Health Professionals Bank, Teachers Mutual Bank, and UniBank Every mortgage we sell is a Certified Responsible Investment. Members’ mortgages are from a bank with socially responsible strategies that apply to all products. So the money we lend you for your mortgage does not come from damaging industries. We apply strict social responsibility criteria when it comes to investing and lending our members’ money.


      The Bank operates under distinctive socially responsible strategies, standards and practices, and these apply  to all our products  - primarily mortgages and deposits. 
      The Bank has specific social responsibility exclusion criteria in relation to the provision of credit. The foundation of our mutual banking model is to use members and customers deposits to provide credit to members.   When members obtain a mortgage from the Bank they are accessing funds that are mostly sourced from member and customer deposits, plus wholesale funds.


      Other products certified by the Responsible Investment Association Australasia (RIAA)

      Teachers Mutual Bank Limited $500m Debt Issuance Programme – Information Memorandum dated 26 November 2018

      Teachers Mutual Bank Limited $500m Debt Issuance Programme - Information Memorandum dated 29 September 2014

      Wholesale Short Term Deposits (STDs)

      Teachers Mutual Bank Ltd Deposit products

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