STANDARD VARIABLE HOME LOAN - INVESTMENT - LOYALTY (Interest Only)

 General Lending Rates

 Product Features

• Digital Banking

• Offset

• Redraw Additional Information: Redraw fees apply

• Other Additional Information: No penalty for extra repayments

 Product Eligibility

• Min Age - 18. Additional Information: 18 years

• Natural Person

• Residency Status - Australian Citizen Or Permanent Residency Only.

 Bank Fees and Charges

• Home Loan Application Fee (Upfront), Amount: 600.00. Additional Information: First application includes the cost of the first standard valuation and legal fees of one security only (and includes 2 splits)

• Loan Variation Fee (Event), Amount: 250.00. Additional Information: Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type)

• Construction Loan Application Fee (Upfront), Amount: 1500.00. Additional Information: Includes application fee, inspection fees and draw-down fees throughout construction period. Legal fees are paid in addition to this and are at cost.

• Late Payment (Event), Amount: 25.00.

• Redraw Fee - Staff Assisted (Event), Amount: 30.00.

• Safe Custody Fee (Periodic), Amount: 50.00. Additional Information: E.g. certificate of titles, wills, etc

• Re-issue Loan Documentation Fee (Event), Amount: 125.00.

• Special Attendance Fee (Event), Amount: 0.00. Additional Information: Charged at cost

• Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.

• Solicitors Preparation Fee (Event), Amount: 0.00. Additional Information: Charged at cost

• Additional Valuation Fee (Event), Amount: 0.00. Additional Information: Charged at cost

• Search Fees (Event), Amount: 0.00. Additional Information: Charged at cost

• Special Attendance Fee - Mortgage Discharge (Event), Amount: 696.00.

• Lenders Mortgage Insurance (lmi) (Upfront), Amount: 0.00. Additional Information: The amount of this fee will be available on application, as it is dependent on the loan to valuation ratio of each loan.

 Limitations & Restrictions (Constraints)

• Min Limit of 10000.00 Additional Information: Minimum loan amount only applies at time of application