Owner Occupied Standard Variable Rate Home Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 8.63%, Comparison Rate 0.00%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Offset Additional Information: Your choice of Loan Saver Account or 100% Offset Account

• Redraw Additional Information: Redraw permitted

• Other Additional Information: No annual fee on Mutual Visa Credit Card

• Other Additional Information: Interest only options available

• Other Additional Information: Additional repayments without penalty permitted

• Other Additional Information: Construction option available

• Other Additional Information: Split loan option available

• Other Additional Information: Other personal purposes available

• Digital Banking

 Product Eligibility

• Residency Status Additional Information: Australian Citizens or permanent residents or as otherwise approved

• Min Age - 18. Additional Information: Borrower must be minimum age of 18 years old

• Natural Person Additional Information: Borrower must be a natural person

• Other Additional Information: Loan to security percentage (LVR) up to 95%

• Other Additional Information: Residential or Rural Lifestyle security up to and over 40 hectares

 Bank Fees and Charges

• Agents Cost (Variable), Amount: 0.00. Additional Information: Not ascertainable, and payable to us or our solicitor or our or their agent

• Cheque Issuing Fee (Event), Amount: 2.50. Additional Information: Payable to us when a payment is made from your loan account by way of Financial Institution (FI) Cheque

• Consent Fee (Event), Amount: 200.00. Additional Information: Per consent. Payable to us when you ask us to consent to leasing, subdividing or any other dealing in relation to the security property

• Default Administration Fee (Event), Amount: 50.00. Additional Information: Payable to us when the borrower (or security provider) has not performed an obligation on time including an obligation to pay money. This fee is payable monthly commencing one month after the obligation should have been performed and up to and including the month in which the obligation is performed. We debit this fees to tour loan account each month until the default is remedied.

• Discharge Administration Fee (Event), Amount: 200.00. Additional Information: Payable to us each time we release a security

• Dishonour Fee (Event), Amount: 9.00. Additional Information: Payable to us when a payment (such as as a direct debit, salary deduction or cheque) is dishonoured

• Duplicate Fee (Event), Amount: 20.00. Additional Information: Per copied document. Payable to us when we provide a copy of a document

• Duplicate Statement Fee (Event), Amount: 7.00. Additional Information: Per statement. Payable to us when we provide a copy of a statement

• Information Fee (Variable), Amount: 0.00. Additional Information: $1.00 per minute ($20.00 minimum fee). The fee will be calulated on the actual time spent retrieving and providing the information requested.Payable to us to provide information and that information is provided in writing

• Legal Fees (Variable), Amount: 0.00. Additional Information: Not ascertainable, payable to us on or before the settlement date and payable to us or our solicitor or our or their agent for preparing security documents

• Legal Fees (additional) (Variable), Amount: 0.00. Additional Information: Not ascertainable, payable on or before the settlement data for addional Legal Fees for old, system Qualified or limited title security or for additional colateral security

• Online Agency Fee (Variable), Amount: 0.00. Additional Information: Not ascertainable, these charges may vary depending on the type of enqury or transaction and payable to us whenever we are required to undertake stamping or electronic enquires or transcations on a security

• Photocopying Fee (Event), Amount: 0.50. Additional Information: Per sheet. Payable to use when we provide a photocopy of any document

• Production Fee (Event), Amount: 200.00. Additional Information: Per document per production. Payable to use if we produce a document to a land registry

• Progress Payment Fee (Variable), Amount: 0.00. Additional Information: Minimum $100 per progress payment on a building or construction loan. Payable whenever a progress payment is made on a building or construction loan.

• Quantity Surveyors Fees (Variable), Amount: 0.00. Additional Information: We charge what the Quantity Surveyor charges us, payable to us on or before the settlement date. The fee is for building works undertaken on a security under a Council approved Owner Builder permit

• Quantity Surveyor Report Fee (Variable), Amount: 0.00. Additional Information: No ascertainable, payable to us whenever we obtain a quantity surveyor report inspection report of a security property in connenction with a progress payment

• Renegotiation Fee (Event), Amount: 300.00. Additional Information: Per renegotiation. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options

• Security Substitution Fee (Event), Amount: 300.00. Additional Information: Per new security. Payable to us to substitute a new security for an existing one

• Settlement Fee (Event), Amount: 150.00. Additional Information: Per settlement. Payable to us each time we or our solicitor attend settlement in connection with a security

• Switching Fee (Event), Amount: 300.00. Additional Information: Per switch. Payable to us to convert from one interest rate option to another on an existing loan or switch to another of our loan products

• Title Search Fee (Variable), Amount: 0.00. Additional Information: Not Ascertainable, payable to us to us or our solicitor or our or their agent on or before the settlement date

• Valuation Fee (Event), Amount: 0.00. Additional Information: Valuation fees are available upon enquiry and payable in relation to each property to which a loan is secured

• Valuation Fee (progess Valuation) (Variable), Amount: 0.00. Additional Information: Progress Valuation fees are available upon enquiry and payable in relation to each property to which a loan is secured

 Limitations & Restrictions (Constraints)

• Opening Balance of 20000.00 Additional Information: Minimum Loan Amount $20K