Bank Products – BeliefMedia Finance & Mortgage Broker Digital Marketing

RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%

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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

ASSET EQUITY BUSINESS

Category: Business Loans Last Updated January 25, 2024 Effective November 1, 2024

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest Rate
6.50% PA

Comparison Rate
0.00%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 Features

Redraw Additional Information: Redraw of repaid principal above minimum required is available.

Offset Additional Information: An offset account can be connected to the product.

Digital Banking Additional Information: Access is available to online banking features for the product.

Npp Enabled Additional Information: An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.

Npp Payid Additional Information: An account of this product type can be used as the target of an NPP PayID.

Notifications Additional Information: SMS and/or email notifications available.

Product Eligibility

Residency Status Additional Information: Individuals must be citizens or permanent residents of Australia.

Other Additional Information: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.

Bank Fees and Charges

Staff Assisted Loan Redraw (Withdrawal), Amount: 30.00.

Contract Variation Fee-mortgage Secured Loans And Overdrafts (Event), Amount: 300.00.

Commercial Loan And Overdraft Service Fee Under $5000 (Periodic), Amount: 5.00.

Commercial Loan And Overdraft Service Fee $5001 To $100000 (Periodic), Amount: 20.00.

Commercial Loan And Overdraft Service Fee $100,001 To $250,000 (Periodic), Amount: 30.00.

Commercial Loan And Overdraft Service Fee Greater Than $250000 (Periodic), Amount: 50.00.

Establishment Fee Commercial Loans And Overdrafts Under $20000 (Upfront), Amount: 500.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

Establishment Fee Commercial Loans And Overdrafts $20000 To $100000 (Upfront), Amount: 600.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

Establishment Fee Commercial Loans And Overdrafts $100001 To $250000 (Upfront), Amount: 800.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

Establishment Fee Commercial Loans And Overdrafts Greater Than $250000 (Upfront), Amount: 1000.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

Mortgage Discharge Fee-settlement (Event), Amount: 150.00. Additional Information: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.

Mortgage Discharge Fee-non Settlement (Event), Amount: 100.00. Additional Information: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.

Arrears Reminder Call Fee (Event), Amount: 5.00.

Arrears 2nd And Subsequent Reminder Letter (Event), Amount: 20.00.

Arrears Default Notice Fee (Event), Amount: 40.00.

Insurance Renewal Fee (Event), Amount: 20.00.

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Like this mortgage product?

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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