BUSINESS LOAN

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 7.50%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Variable
• Interest Rate: 7.50%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Variable
• Interest Rate: 8.00%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 6.89%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Digital Banking Additional Information: SCCU NetBanking

• Other Additional Information: Terms up to 30yrs available

• Npp Enabled

• Redraw Additional Information: available on variable rates

• Other Additional Information: interest only periods up to 5yrs at a time available

• Other Additional Information: Extra Repayments. Capped at $10k per annum on fixed rates

 Product Eligibility

• Other Additional Information: Registered Australian Business

• Business Additional Information: Sole Trader, Partnership or company

• Other Additional Information: Meet SCCU credit assessment criteria and demonstrate capacity to repay loan

• Other Additional Information: Provide acceptable residential or commercial security with building insurance noting SCCU as an interested party

 Bank Fees and Charges

• Direct Debit Dishonour (Event), Amount: 15.00. Additional Information: Charged if your direct debit payment is dishonoured due to insufficient funds

• Business Loan Establishment Flat (Upfront), Amount: 699.00. Additional Information: Higher of this or the Business Establishment Percentage Fee

• Business Loan Establishment Percent (Upfront), Amount: Not Listed.. Additional Information: Greater of this or Business Establishment Flat

• Redraw In Branch (Transaction), Amount: 25.00. Additional Information: Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only

• Security Guarantee Fee (Event), Amount: 200.00. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.

• Property Valuation Fee (Variable), Amount: 300.00. Additional Information: If using a property as security for a loan, we need to ascertain what the property is worth. This fee covers the cost of valuing your property. Fee varies dependent on type and complexity of property.

• Legal Fee Trust Deed (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan

• Loan Discharge Fee (Event), Amount: 150.00. Additional Information: This fee covers the costs associated with releasing your title and is charged per security discharged

• Business Loan Security Variation (Event), Amount: 150.00. Additional Information: chargeable per security

• Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security

• Home Loan Legal Fee (Event), Amount: 430.00. Additional Information: A one off fee required to document and settle your loan.

• Loan Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term.

• Home Loan Product Switch (Event), Amount: 300.00. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.

• Legal Fee Trust Deed (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan

• Deposit Bond Handling (Event), Amount: 110.00. Additional Information: Fee charged to assist with the completion and submission of a Deposit Bond application

• Construction Loan Progress Fee (Event), Amount: 450.00. Additional Information: Applicable to construction loans only when progressive payments are made to your builder.

• Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security

• Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable if a FIXED rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate

 Limitations & Restrictions (Constraints)

• Min Limit of 50000.00