Standard Variable Plus

Standard Variable Plus
Category: Home Loans  Last Updated September 16, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.84% PA
Comparison Rate
6.25%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  <=80% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80 - 95% LVR
Minimum: 81 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.59%, Comparison Rate 6.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80 - 95% LVR
Minimum: 81 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <=80% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80 - 95% LVR
Minimum: 81 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  <=80% LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  80 - 95% LVR
Minimum: 81 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Redraw
  • Offset

 Product Eligibility

  • Min Age - 18. Additional Information: 18 Years and Over
  • Natural Person
  • Residency Status - Permenant Residency Is Required.
  • Other Additional Information: Terms, conditions, lending eligibility and approval criteria apply

 Bank Fees and Charges

  • Gmcu Title Search Fee (Event), Amount: 25.30.
  • Goods Security Agreement Preparation Fee (Event), Amount: 30.00. Additional Information: charged if a Goods Security Agreement is required as security (e.g. over a vehicle)
  • Loan Contract Variation Fee (Event), Amount: 300.00. Additional Information: For Each Variation
  • Loan Default Fee (Event), Amount: 10.00.
  • Loan Default Fee- Second Reminder Letter (Event), Amount: 15.00.
  • Loan Default Fee- Final Notice (Event), Amount: 25.00.
  • Mortgage Preparation Fee (Event), Amount: 0.00. Additional Information: Mortgage documents prepared by solicitor payable by member at cost
  • Registration Of Mortgage Fee (Event), Amount: 0.00. Additional Information: Registration of mortgage payable by member at cost
  • Valuation Fee (Event), Amount: 0.00. Additional Information: Valuation fee payable by member at cost
  • Loan Establishment Fee (Upfront), Amount: 500.00.
  • Discharge Of Mortgage Fee (Event), Amount: 350.00. Additional Information: For preparation of discharge documentation on your written request. Legal/agent/government costs at cost.
  • Loan Redraw Fee (Transaction), Amount: 50.00.
  • Stamp Duties On Securities (Event), Amount: 0.00. Additional Information: Stamp Duties on Securities payable by Member at cost
  • Rate Lock Fee (Event), Amount: 600.00. Additional Information: Rate Lock Fee payable by Member
  • Loan Security Guarantee Fee (Event), Amount: 100.00. Additional Information: Loan Security Guarantee Fee payable by Member
  • Home Loan Monthly Service Fee (Periodic), Amount: 8.00.