Fixed P&I Home Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 5.99%, Comparison Rate 6.21%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.27%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.35%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.37%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Npp Enabled Additional Information: Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.

 Bank Fees and Charges

• Statement Retrieval Fee (Event), Amount: 6.00. Additional Information: Fee applies for statements over 12 months old. 1st page $6, and $1.50 for each subsequent page.

• Loan Establishment Fee (Upfront), Amount: 0.00. Additional Information: No fee for establishment or top-up of the home loan.

• Fixed Home Loan Break Costs (Variable), Amount: Not Listed.. Additional Information: May be payable if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. Amount is calculated specifically related to the individual event. Refer to website.

• Legal Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost when legal advice or services are required over the life of the loan.

• Third Party Document Production Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security.

• Title Consent Fee (Event), Amount: 150.00. Additional Information: Payable when we are requested to consent to a change relating to your title.

• Loan Contract Variation Fee (Event), Amount: 250.00. Additional Information: Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to the term of a loan or a loan account.

• Withdrawal Of Caveat Non-settlement Fee (Event), Amount: 55.00. Additional Information: Without settlement per document. When we are requested to remove a caveat lodged on a title.

• Caveat Withdrawal Settlement Fee (Event), Amount: 160.00. Additional Information: With settlement per document. When we are requested to remove a caveat lodged on a title.

• Loan Account Switching Fee (Event), Amount: 300.00. Additional Information: Charged for switching your home loan to a different product on your request.

• Rate Lock Fee (Upfront), Amount: 650.00. Additional Information: Optional fee for locking in an interest rate on fixed home loans for upto 3 months.

• Valuation Fee (Upfront), Amount: 0.00. Additional Information: First valuation is free. Additional valuations are charged to you at the cost we have incurred.

• Discharge Of Mortgage Fee (Event), Amount: 395.00. Additional Information: Charged for the preparation of documents for the discharge of mortgage. Each additional security discharged is $195, please refer to website for details.

• Fixed Rate Adjustment Costs (Variable), Amount: Not Listed.. Additional Information: May be payable if you pay your loan off in full, make an early or extra repayment, or make certain other changes to your loan, during any fixed-rate period. Amount is calculated specifically related to the individual event. Refer to website.

• Lender Mortgage Insurance (Variable), Amount: Not Listed.. Additional Information: LMI is insurance that protects the bank if the borrower/s are unable to make home loan repayments. LMI is required when a borrowers deposit is generally less than 20% of the property value plus other government fees. Please see our fact sheet for details.

• Document Preparation Fee (Upfront), Amount: 300.00. Additional Information: Fee for preparation of loan contracts charged at the time of funding or settlement of the loan

• Default Notification Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost when we issue a default notice because you are in default under the contract.

• Late Payment Notification Fee (Event), Amount: 5.00. Additional Information: When payment to a home loan becomes overdue by 11 and 30 days.

• Management Administration Fee (Event), Amount: 50.00. Additional Information: When payment to a home loan becomes overdue by more than 90 days.

• Collection Agent Administration Fee (Event), Amount: 100.00. Additional Information: Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent.

• Govt Registration Of Mortgage (Variable), Amount: Not Listed.. Additional Information: This fee is payable to the bank in reimbursement of Government charges relating to registration of mortgage on the security property. Amounts are set by the land titles office by each state or territory.

• Govt Discharge Of Mortgage (Variable), Amount: Not Listed.. Additional Information: This fee is payable to the bank in reimbursement of Government charges relating to discharge of mortgage on the security property. Amounts are set by the land titles office by each state or territory.

• Govt Title Search Fee (Variable), Amount: Not Listed.. Additional Information: This fee is payable to the bank in reimbursement of Government charges relating to obtaining title searches on the security property. Amounts are set by the land titles office by each state or territory.

 Limitations & Restrictions (Constraints)

• Min Limit of 20000.00 Additional Information: Minimum loan amount is $20,000