PREMIUM HOME LOAN OWNER OCCUPIED

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.50%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.09%, Comparison Rate 6.46%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.99%, Comparison Rate 6.40%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.43%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.45%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.98%, Comparison Rate 7.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.96%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.87%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.09%, Comparison Rate 6.78%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.78%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.77%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.78%, Comparison Rate 6.67%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.52%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.50%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.45%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.50%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.54%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.28%, Comparison Rate 7.17%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.98%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.91%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.83%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.85%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.86%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

 Product Features

• Digital Banking Additional Information: SCCU Netbanking

• Offset

• Npp Enabled

• Redraw Additional Information: Available on variable rates only

• Other Additional Information: Terms up to 40yrs available.

• Other Additional Information: Construction loans available

• Other Additional Information: Extra repayments. Capped at $10k per annum while rate fixed.

• Other Additional Information: Interest only options available up to 5yrs at a time.

 Product Eligibility

• Residency Status - Y. Additional Information: Must be Australian citizen or permanent resident, with an Australian residential address

• Min Age - 18.

• Natural Person

• Other Additional Information: Meet SCCU assessment criteria and demonstrate capacity to repay loan

• Other Additional Information: Provide acceptable residential mortgage security which must be insured with SCCU noted as an interested party

 Bank Fees and Charges

• Property Valuation Fee (Variable), Amount: 300.00. Additional Information: If using a property as security for a loan, we need to ascertain what the property is worth. This fee covers the cost of valuing your property. Fee varies dependent on type and complexity of property.

• Home Loan Legal Fee (Event), Amount: 430.00. Additional Information: A one off fee required to document and settle your loan.

• Home Loan Trust Deed Legal Fee (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan.

• Home Loan Security Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the security used for an existing loan agreement. Charged per security.

• Home Loan Product Switch (Event), Amount: 300.00. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.

• Security Guarantee Fee (Event), Amount: 200.00. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.

• Recontracting Fee (Event), Amount: 150.00. Additional Information: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.

• Direct Debit Dishonour (Event), Amount: 15.00. Additional Information: Charged if your direct debit payment is dishonoured due to insufficient funds

• Loan Discharge Fee (Event), Amount: 150.00. Additional Information: This fee covers the costs associated with releasing your title and is charged per security discharged

• Home Loan Establishment Fee (Upfront), Amount: 699.00. Additional Information: A one off upfront fee for setting up your home loan.

• Loan Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term.

• Fixed Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request

• Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable if a FIXED rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate

• Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security

• Deposit Bond Handling (Event), Amount: 110.00. Additional Information: Fee charged to assist with the completion and submission of a Deposit Bond application

• Loan Consolidation (Event), Amount: 250.00. Additional Information: Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans.

• Construction Loan Progress Fee (Event), Amount: 450.00. Additional Information: Applicable to construction loans only when progressive payments are made to your builder.

• Loan Top-up (Event), Amount: 250.00. Additional Information: Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans

• Redraw In Branch (Transaction), Amount: 25.00. Additional Information: Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only

 Limitations & Restrictions (Constraints)

• Min Limit of 250000.00