The Basics Home Loan (Owner Occupier Special)

 General Lending Rates

• Lending Rate Type: Discount
• Interest Rate: 5.75%, Comparison Rate 5.88%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Redraw

• Other Additional Information: • The Basics Low-Rate Home Loan Offer of 5.75% represents a discount of 3.54% off our Basics Home Loan standard variable rate of 9.29%. • The discount of 3.54% is available for the life of the loan. • Up to 60% LVR, without Lender's Mortgage Insurance. • Principal & Interest.

• Digital Banking

 Product Eligibility

• Other Additional Information: This offer is for new customers to the Bank and for customers of the Bank purchasing a new owner occupier property. You may avail of this offer if you have approached the Bank directly, not through a referrer (paid or otherwise). This offer can be withdrawn at any time at the Bank's discretion.

 Bank Fees and Charges

• Application Fee (Upfront), Amount: 600.00.

• Monthly Service Fee (Periodic), Amount: 8.00.

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

• Redraw Fee (over The Counter) (Transaction), Amount: 55.00.

• Transfer Fee (Event), Amount: 300.00. Additional Information: Payable if the Customer asks the Bank to change the security property by releasing its security over some or all of the security property and taking security over different property, without any other amendments to the agreement. It does not include any solicitor costs or fees payable to a government registry to register a document.

• Arrears Letter Fee (Event), Amount: 35.00.

• Progress Payment Fee (Event), Amount: 100.00. Additional Information: Payable whenever the Customer requests a progress payment. It does not include any fee payable for inspections by a quantity surveyor.

• Search Fee (Transaction), Amount: 70.00. Additional Information: Per hour or part thereof - payable whenever the Customer (or a Guarantor) requests a copy of a document (other than a statement) connected to the Facility. It is calculated on the basis of the time that it takes the Bank’s staff to search for the document.

• Direct Debit Dishonour Fee (Event), Amount: 35.00. Additional Information: Payable whenever a direct debit to the Customer’s loan account is dishonoured.

• Tenanted Security Report Fee (Event), Amount: 100.00. Additional Information: Per hour or part thereof - payable when the security property is to be the place of residence of the Customer and the Bank ascertains by inspection (because the Customer did not tell the Bank) that the Customer no longer occupies the security property. It is calculated on the basis of the time that it takes the Bank’s staff or agents to inspect the security property.

• Deed Production Fee (Event), Amount: 60.00. Additional Information: Payable by the Customer whenever the Bank is required to produce a document to a government registry. It does not include any solicitor costs or fees payable to a government registry to register a document

• Additional Security Consent Fee (Event), Amount: 150.00. Additional Information: Payable whenever the Customer asks the Bank to consent to a security interest over the security property or any other property subject to the security. It is payable whether or not the Bank consents to the security interest

• Discharge Of Security Fee (Exit), Amount: 250.00. Additional Information: Payable if the Bank agrees to discharge a security. The Bank may use some or all of this fee to pay its external costs. It does not include any solicitor costs or fees payable to a government registry to register a release of the security

• Title Change Fee (Event), Amount: 100.00. Additional Information: Payable if the Customer asks the Bank to change the title to any security property (for example as a result of a court order or by operation of law). It does not include any solicitor costs or fees payable to a government registry to register a document.

• Rollover Fee (Event), Amount: 300.00. Additional Information: Payable by the Customer at the end of a fixed rate period if the Customer chooses to rollover to another fixed interest rate for another fixed rate period rather than automatically converting to variable interest rate.

 Limitations & Restrictions (Constraints)

• Min Limit of 50000.00