RateSaver Home Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 7.23%, Comparison Rate 7.27%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.43%, Comparison Rate 6.47%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Redraw

 Product Eligibility

• Natural Person

• Min Age - 18.

• Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

• Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

 Bank Fees and Charges

• Property Valuation Fee (Variable), Amount: 250.00. Additional Information: At cost. Minimum is $250.00

• Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs- To switch or vary home loans (other than switching to RateSaver) Note: this fees is in addition to any break costs payable for fixed rate loans.

• Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.

• Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.

• Redraw Fee (per Redraw) (Transaction), Amount: 10.00.

• Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration

• Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

• Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested

• Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page

• Ratesaver Processing Fee (Upfront), Amount: 450.00. Additional Information: When borrowing in excess of 80% LVR

• Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs

• Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs

• Archive Retrieval Fee (Variable), Amount: 50.00. Additional Information: A $50 hourly fee applies plus any expenses incurred

• Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page

• Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract

• Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs -To switch to RateSaver Home Loan

 Limitations & Restrictions (Constraints)

• Min Limit of 150000.00

• Max Limit of 5000000.00