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Loan Interest Rate & Fees Schedule


Home Loans

LVR
Repayment
Rate
Comparison
 

Owner Occupied Home Loans

Standard Variable Rate (SVR) - L1
<=80%
Principal & Interest
4.49%
4.54%
 
 
Interest Only
4.64%
4.69%
 
80.01% <= 90%
Principal & Interest
4.54%
4.59%
 
 
Interest Only
4.69%
4.74%
 
90.01% - 95%
Principal & Interest
4.64%
4.69%
 
 
Interest Only
4.79%
4.84%
24 Month Introductory Offer
<=80%
Principal & Interest
3.10%
4.29%
 
 
Interest Only
3.25%
4.43%
 
80.01% <= 90%
Principal & Interest
3.15%
4.34%
 
 
Interest Only
3.30%
4.48%
 
90.01% - 95%
Principal & Interest
3.25%
4.43%
 
 
Interest Only
3.40%
4.58%
Back To Basics
<=80%
Principal & Interest
3.44%
3.49%
 
 
Interest Only
3.59%
3.64%
 
80.01% <= 90%
Principal & Interest
3.49%
3.54%
 
 
Interest Only
3.64%
3.69%
 
90.01% - 95%
Principal & Interest
3.59%
3.64%
 
 
Interest Only
3.74%
3.79%
Housing Line of Credit / Revolving Credit
N/A
Interest Only
4.89%
4.94%
Owner Occupied Fixed 1 Year - L1
<=80%
Principal & Interest
2.95%
4.39%
 
 
Interest Only
3.10%
4.41%
 
80.01% <= 90%
Principal & Interest
3.00%
4.40%
 
 
Interest Only
3.15%
4.41%
 
90.01% - 95%
Principal & Interest
3.10%
4.41%
 
 
Interest Only
3.25%
4.42%
Owner Occupied Fixed 2 Year - L1
<=80%
Principal & Interest
3.20%
4.30%
 
 
Interest Only
3.35%
4.45%
 
80.01% <= 90%
Principal & Interest
3.25%
4.35%
 
 
Interest Only
3.40%
4.38%
 
90.01% - 95%
Principal & Interest
3.35%
4.45%
 
 
Interest Only
3.50%
4.48%
Owner Occupied Fixed 3 Year - L1
<=80%
Principal & Interest
3.30%
4.23%
 
 
Interest Only
3.45%
4.26%
 
80.01% <= 90%
Principal & Interest
3.35%
4.24%
 
 
Interest Only
3.50%
4.25%
 
90.01% - 95%
Principal & Interest
3.45%
4.26%
 
 
Interest Only
3.60%
4.30%
Owner Occupied Fixed 4 Year - L1
<=80%
Principal & Interest
4.50%
4.54%
 
 
Interest Only
4.65%
4.59%
 
80.01% <= 90%
Principal & Interest
4.55%
4.56%
 
 
Interest Only
4.70%
4.61%
 
90.01% - 95%
Principal & Interest
4.65%
4.59%
 
 
Interest Only
4.80%
4.64%
Owner Occupied Fixed 5 Year - L1
<=80%
Principal & Interest
4.85%
4.69%
 
 
Interest Only
5.00%
4.75%
 
80.01% <= 90%
Principal & Interest
4.90%
4.71%
 
 
Interest Only
5.05%
4.77%
 
90.01% - 95%
Principal & Interest
5.00%
4.75%
 
 
Interest Only
5.15%
4.81%

Investment

Residential Investment Std Variable Rate - L2
<=80%
Principal & Interest
5.19%
5.24%
 
 
Interest Only
5.34%
5.39%
 
80.01% <= 90%
Principal & Interest
5.24%
5.29%
 
 
Interest Only
5.39%
5.44%
 
90.01% - 95%
Principal & Interest
5.34%
5.39%
 
 
Interest Only
5.49%
5.54%
24 Month Introductory Offer
<=80%
Principal & Interest
3.80%
4.98%
 
 
Interest Only
3.95%
5.01%
 
80.01% <= 90%
Principal & Interest
3.85%
5.03%
 
 
Interest Only
4.00%
5.06%
 
90.01% - 95%
Principal & Interest
3.95%
5.13%
 
 
Interest Only
4.10%
5.15%
Back To Basics
<=80%
Principal & Interest
3.69%
3.74%
 
 
Interest Only
3.84%
3.89%
 
80.01% <= 90%
Principal & Interest
3.74%
3.79%
 
 
Interest Only
3.89%
3.94%
 
90.01% - 95%
Principal & Interest
3.84%
3.89%
 
 
Interest Only
3.99%
4.04%
Investment Fixed 1 Year - L2
<=80%
Principal & Interest
3.20%
5.05%
 
 
Interest Only
3.35%
5.06%
 
80.01% <= 90%
Principal & Interest
3.25%
5.05%
 
 
Interest Only
3.40%
5.06%
 
90.01% - 95%
Principal & Interest
3.35%
5.06%
 
 
Interest Only
3.50%
5.07%
Investment Fixed 2 Year - L2
<=80%
Principal & Interest
3.45%
4.91%
 
 
Interest Only
3.60%
4.94%
 
80.01% <= 90%
Principal & Interest
3.50%
4.96%
 
 
Interest Only
3.65%
4.99%
 
90.01% - 95%
Principal & Interest
3.60%
5.06%
 
 
Interest Only
3.75%
5.09%
Investment Fixed 3 Year - L2
<=80%
Principal & Interest
3.55%
4.80%
 
 
Interest Only
3.70%
4.84%
 
80.01% <= 90%
Principal & Interest
3.60%
4.81%
 
 
Interest Only
3.75%
4.85%
 
90.01% - 95%
Principal & Interest
3.70%
4.84%
 
 
Interest Only
3.85%
4.88%
Investment Fixed 4 Year - L2
<=80%
Principal & Interest
4.75%
5.08%
 
 
Interest Only
4.90%
5.14%
 
80.01% <= 90%
Principal & Interest
4.80%
5.10%
 
 
Interest Only
4.95%
5.15%
 
90.01% - 95%
Principal & Interest
4.90%
5.14%
 
 
Interest Only
5.05%
5.19%
Investment Fixed 5 Year - L2
<=80%
Principal & Interest
5.10%
5.20%
 
 
Interest Only
5.25%
5.26%
 
80.01% <= 90%
Principal & Interest
5.15%
5.22%
 
 
Interest Only
5.30%
5.28%
 
90.01% - 95%
Principal & Interest
5.25%
5.26%
 
 
Interest Only
5.40%
5.33%

Personal Loans

 
Repayment
Rate
Comparison
 

Personal

Secured - Secured by Term Deposit or Residential
 
Principal & Interest
6.39%
7.65%
Secured - Secured by Other
 
Principal & Interest
8.04%
9.32%
Unsecured / Part Secured
 
Principal & Interest
12.34%
13.67%
Property Package Loan
 
Principal & Interest
4.74%
7.17%
Solar Loans - Fixed
 
Principal & Interest
7.66%
8.93%
Solar Loans - Variable
 
Principal & Interest
5.84%
7.09%

Commercial Loans

 
Repayment
Rate
Comparison
 

Commerical

Commercial - Secured by Term Deposit or Residence
 
Principal & Interest
5.49%
5.65%
 
 
Interest Only
5.64%
5.80%
Commercial - Commercial Property Security
 
Principal & Interest
6.49%
6.66%
 
 
Interest Only
6.64%
6.81%
Commercial - Other Security
 
Principal & Interest
7.49%
7.67%
 
 
Interest Only
7.64%
7.82%
Commercial - Unsecured
 
Principal & Interest
13.34%
13.56%
 
 
Interest Only
13.34%
13.56%

Discontinued Loans

LVR
Repayment
Rate
Comparison
 
Basic Variable Owner Occupied DISCONTINUED
<=50%
Principal & Interest
4.24%
4.37%
 
 
Interest Only
4.39%
4.52%
 
50.01% <= 60%
Principal & Interest
4.24%
4.37%
 
 
Interest Only
4.39%
4.52%
 
60.01% <=80%
Principal & Interest
4.24%
4.37%
 
 
Interest Only
4.39%
4.52%
 
80.01% <= 90%
Principal & Interest
4.29%
4.42%
 
 
Interest Only
4.44%
4.57%
 
90.01% - 95%
Principal & Interest
4.39%
4.52%
 
 
Interest Only
4.54%
4.67%
Bundled Loan Owner Occupied DISCONTINUED
<=50%
Principal & Interest
3.99%
4.12%
 
 
Interest Only
4.14%
4.27%
 
50.01% <= 60%
Principal & Interest
3.99%
4.12%
 
 
Interest Only
4.14%
4.27%
 
60.01% <=80%
Principal & Interest
3.99%
4.12%
 
 
Interest Only
4.14%
4.27%
 
80.01% <= 90%
Principal & Interest
4.04%
4.17%
 
 
Interest Only
4.19%
4.32%
 
90.01% - 95%
Principal & Interest
4.14%
4.27%
 
 
Interest Only
4.29%
4.42%
Essentials Variable Owner Occupied
<=80%
Principal & Interest
4.04%
4.17%
 
 
Interest Only
4.19%
4.32%
 
80.01% <= 90%
Principal & Interest
4.09%
4.22%
 
 
Interest Only
4.24%
4.37%
 
90.01% - 95%
Principal & Interest
4.19%
4.32%
 
 
Interest Only
4.34%
4.47%
Wealth Package Owner Occupied
<=80%
Principal & Interest
3.89%
4.02%
 
 
Interest Only
4.04%
4.17%
 
80.01% <= 90%
Principal & Interest
3.94%
4.07%
 
 
Interest Only
4.09%
4.22%
 
90.01% - 95%
Principal & Interest
4.04%
4.17%
 
 
Interest Only
4.19%
4.32%
Wealth Package Investment
<=80%
Principal & Interest
4.59%
4.72%
 
 
Interest Only
4.74%
4.87%
 
80.01% <= 90%
Principal & Interest
4.64%
4.77%
 
 
Interest Only
4.79%
4.92%
 
90.01% - 95%
Principal & Interest
4.74%
4.87%
 
 
Interest Only
4.89%
5.02%

Loan Establishment Fees

Owner Occupied / Residential Investment
Application Fee
 
$600.00
Increase Fee
 
$300.00
Personal Loans & Overdrafts
Application Fee
 
$150.00
Increase Fee
 
$150.00
Business / Commercial Loans
Application Fee
 
$600.00
Business Overdrafts
Application Fee
 
From $600.00
Business / Commercial Loans or Overdrafts
Increase Fee
 
$300.00
Guarantees
Facility Application Fee
 
$400.00
Each Guarantee
 
$100.00
Half Yearly service fee - 0.50% of facility limit
 
Min. $50.00
Redraw Facility Fee (per redraw)
Redraw
 
$20.00

Other Fees & Charges

Product / Rate Switching
$600.00
Substitution of Property Mortgage
$300.00
Bill of Sale / Goods Mortgage - Registration / Variation
At Cost
Mortgage Insurance
At Cost
Legal Fees, Valuations, Surveys, Settlement Fees
At Cost
Wealth Pack Loans Annual Service Fee
$325.00
Fixed Rate Lock-in Fees
1 yr fixed rate
0.25% of amount borrowed
2 yr fixed rate
0.50% of amount borrowed
3 yr fixed rate
0.75% of amount borrowed
Titles & Related Fees
Discharge of Mortgage
Costs + $400.00
Production or Consideration Fee
Costs + $50.00
Photocopy
$5.00
Title or Final Notice
At Cost
Overdraft Annual Facility Fees
Personal
$25.00
Business < 10,000 limit
$75.00
Business > 10,000 limit
$150.00