Regional First Home Buyer Guarantee (Bendigo Complete Home Loan)

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 5.84%, Comparison Rate 6.42%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.54%, Comparison Rate 6.32%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.04%, Comparison Rate 6.41%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.04%, Comparison Rate 6.39%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.04%, Comparison Rate 6.38%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.24%, Comparison Rate 6.46%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

 Product Features

• Offset Additional Information: Up to six 100% Offset Accounts per loan

• Redraw Additional Information: Online redraw available

• Other Additional Information: Weekly, fortnightly or monthly repayments

• Other Additional Information: Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed

 Product Eligibility

• Min Age - 18.

• Other Additional Information: Credit and Lending Criteria, Fees and Charges Apply

• Other Additional Information: Check Eligibility Criteria for Scheme loans.

 Bank Fees and Charges

• Manual Redraw Fee (Event), Amount: 0.000000. Additional Information: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking

• Online Redraw Fee (Event), Amount: 0.000000. Additional Information: Charged when completing a redraw online

• Valuation Fee (Variable), Amount: Not Listed.. Additional Information: The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property).

• Search Processing Fee (Upfront), Amount: 50.000000. Additional Information: Payable for the bank to perform a title search or other searches relating to your application.

• Break Cost Fee And Prepayment Fee (Variable), Amount: Not Listed.. Additional Information: A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period: • at your request, we agree to vary your annual percentage rate; or • you repay your loan account balance in full. A Prepayment Fee is payable to us if, during a fixed rate period, you prepay an amount (repay more than your required repayments) that exceeds 20% of: • if the fixed rate period started on the date we first advanced any part of the amount of credit, the amount of credit – in which case the prepayment amount is the amount you prepay during the fixed rate period less 20% of the amount of credit; or • if the fixed rate period started on a date after the date we first advanced any part of the amount of credit, the loan account balance at the start of the fixed rate period – in which case the prepayment amount is the amount you prepay less 20% of the loan account balance at the start of the fixed rate period.

• Agent Lodgement Fee (Event), Amount: 125.000000. Additional Information: Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan

• Monthly Fee (Periodic), Amount: 15.000000.

• Discharge Administration Fee (Exit), Amount: 350.000000.

• Variation Fee - Simple (Event), Amount: 150.000000.

• Variation Fee - Complex (Event), Amount: 300.000000.

• Building Loan Fee - Contract Builder (Upfront), Amount: 100.000000.

• Building Loan Fee - Owner Builder (Upfront), Amount: 200.000000.

• Guarantee Administration Fee (Upfront), Amount: 250.000000.

• Rate Variation Fee (to Renegotiate Rate) (Event), Amount: 100.000000.

• Repayment Recalculation Fee (Event), Amount: 50.000000.

• Interest Prepayment Fee (Payment), Amount: 85.000000.

• Default Fee (Event), Amount: 35.000000.

• Duplicate Fee (Event), Amount: 16.500000.

• Bank Cheque Fee (Event), Amount: 10.000000.

• Application Fee (Upfront), Amount: 150.000000. Additional Information: Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan.

• Documentation Fee (Variable), Amount: Not Listed.. Additional Information: The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application.

• Settlement Fee (Upfront), Amount: 100.000000. Additional Information: To process the settlement of your loan, additional funds on your current loan or when changing your loan.

 Limitations & Restrictions (Constraints)

• Opening Balance of 5000.00

• Min Limit of 1.00

 Document Downloads