Advantage Plus FHB Home Loan Fixed 3 Year

 General Lending Rates

 Product Features

• Digital Banking

• Notifications

• Other Additional Information: Additional repayments accepted - maximum $10,000 per year

• Other Additional Information: No monthly account keeping/service fees

• Other Additional Information: Loan period up to 30 years

• Other Additional Information: Flexible repayment options available

• Redraw Additional Information: Redraw available

• Other Additional Information: Ability to split loan

• Other Additional Information: Lower interest rates compared to Advantage Home Loan

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Citizen Or Permanent Resident.

• Other Additional Information: As a Customer Owned Bank, customers must become a shareholder of Unity Bank to open an account.

• Other Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply.

• Other Additional Information: Borrower must satisify Advantage Plus Loan eligibility.

 Bank Fees and Charges

• Arrears Management Expense (Event), Amount: 20.00.

• Copies Of Previous Statements (Event), Amount: 2.50.

• Frequent Statement Fee (Periodic), Amount: 2.00.

• Consent To Subdivision (Event), Amount: 250.00. Additional Information: Valuation, Legal and Government fees are additional

• Consent To Subdivision - Valuation, Government And Legal Fees (Event), Amount: 0.00.

• Discharge Of Mortgage - Government And Legal Fees (Event), Amount: 0.00.

• Discharge Of Mortgage - Preparation Processing Fee (Event), Amount: 300.00. Additional Information: Legal and Government fees are additional

• Establishment Fee - Home Loan Top Ups (Upfront), Amount: 300.00.

• Mortgage Loan - Legal & Valuation Fees (Upfront), Amount: 0.00. Additional Information: Other fees and charges may apply and will be specified at the time the loan is approved.

• Progressive Drawing Fee (Upfront), Amount: 250.00.

• Registration Of Title/dealings (Event), Amount: 150.00. Additional Information: Legal and Government fees are additional

• Registration Of Title/dealings - Government And Legal Fees (Event), Amount: 0.00.

• Settlement Fee (Event), Amount: 200.00.

• Substitution Of Security - Government And Legal Fees (Event), Amount: 0.00.

• Substitution Of Security - Processing Fee (Event), Amount: 250.00. Additional Information: Legal and Government fees are additional

• Title Search (Event), Amount: 0.00.

• Variation Fee - Loan Type (Event), Amount: 150.00.

• Variation Fee - Renewing Expired (Event), Amount: 150.00.

• Variation Fee - Switching Variable To Fixed Rate (Event), Amount: 300.00.

• Variation Fee - Term Of Loan (Event), Amount: 150.00.

• Early Repayment Fee - Fixed Loans (Event), Amount: 0.00. Additional Information: Calculated using the ERF calculator

• Establishment Fee - Fixed Rate Home Loans (Upfront), Amount: 300.00.

• Rate Lock Fee (Event), Amount: 600.00.

• Advantage Plus Annual Fee (Periodic), Amount: 299.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 150000.00

• Max Limit of Additional Information: 95% of the property value