RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.69% (6.52%*) • Investment PI: 5.49% (5.98%*)

  S40 Home Equity Advantage

Borrow Using The Equity Of Your Home, Or An Investment Property, With An Overdraft Limit Linked To Your Transactional Account. A Secured Overdraft Facility Gives You The Financial Freedom And Flexibility To Pursue Your Financial Goals.
Category: Overdrafts  Last Updated December 13, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Reference Rate Provided And Subject To Assessment Of Application For Credit, With Interest Rate Being Offered Upon Approval
Interest Rate
8.05% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Additional Cards
  • Bill Payment Additional Information: Pay Bills In Branch Or Via Your Digital Services Using NPP, PayID, Osko And BPAY
  • Card Access Additional Information: Linked To A VISA Debit Card, With PayWave
  • Digital Banking Additional Information: 24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone
  • Digital Wallet Additional Information: Secure Contactless Payments, With ApplePay, GooglePay And SamsungPay, With Your Phone
  • Loyalty Program Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking
  • Npp Enabled Additional Information: "New Payments Platform (NPP)" - Making Payments Faster And Simpler
  • Npp Payid Additional Information: "PayID" - An Alternative Way To Make Payments Instead Of Remembering Account Numbers
  • Overdraft Additional Information: Subject To Eligibility For Credit Via Loan Application Assessment
  • Unlimited Txns Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking
  • Other Additional Information: No Penalties For Additional Repayments
  • Other Additional Information: No Penalties For Early Payouts

 Product Eligibility

  • Business Additional Information: Self Employed Members and Business Owners Are Eligible
  • Employment Status - Full Time, Part Time, Casual Etc.. Additional Information: Employed Members Are Eligible
  • Min Age - 18.
  • Other Additional Information: Subject To Eligibility For Credit Via Loan Application Assessment
  • Pension Recipient Additional Information: Centrelink Recipients And Self-Funded Retirees Are Eligible
  • Residency Status - Australian Citizens Or Permanent Residents. Additional Information: Residents Of Australia Are Eligible
  • Staff Additional Information: Staff Are Eligible
  • Student Additional Information: Student Members Are Eligible

 Bank Fees and Charges

  • Periodical Payment Rejection (Event), Amount: 15.00.
  • Periodical Payment Alteration (Event), Amount: 5.00.
  • Periodical Payment Fee (Transaction), Amount: 0.00.
  • Statement Copy Fee (> 12 Months) (Event), Amount: 5.00.
  • Swift Payment Deposit (Event), Amount: 35.00.
  • Over The Counter Cheque Withdrawal Fee (Transaction), Amount: 0.00.
  • Electronic Funds Transfer Fee (Transaction), Amount: 0.00.
  • Miscellaneous Service Fee (Event), Amount: 35.00.
  • Atm/pos Withdrawal (Transaction), Amount: 0.00.
  • Direct Debit (Transaction), Amount: 0.00.
  • Over The Counter External Transfer Fee (Event), Amount: 8.00.
  • Bpay Transaction Fee (Transaction), Amount: 0.00.
  • Faxed Statement/transfer Fees (Event), Amount: 10.00.
  • Replacement Visa Card Fee (Event), Amount: 25.00.
  • Emergency Visa Fee (Event), Amount: 50.00.
  • Visa Chargback / Voucher Fee (Event), Amount: 35.00.
  • Account Combination Fee (Event), Amount: 15.00.
  • Visa Manual Processing Fee (Event), Amount: 20.00.
  • Staff Assisted Internet Banking Transaction (Event), Amount: 5.00.
  • Paper Statement Fee (Event), Amount: 0.00.
  • Discharge Of Mortgage Fee (Event), Amount: 500.52.
  • Lenders Mortgage Insurance (Upfront), Amount: 0.00.
  • Enforcement Collection Cost (Event), Amount: 0.00.
  • Valuation Fee (Upfront), Amount: 0.00.
  • Solicitors Fee (Upfront), Amount: 0.00.
  • Registration Fee (Upfront), Amount: 0.00.
  • Agents Fee (Upfront), Amount: 0.00.
  • Credit Report Fee (Upfront), Amount: 20.00.
  • Overdraft Establishment Fee - Mortgage Secured (Upfront), Amount: 655.00.
  • Overdraft Establishment Fee - Self Employed (Upfront), Amount: 705.00.
  • Bhccu Enforcement Expense (Event), Amount: 0.00.
  • Contract Variation Fee (Event), Amount: 275.00.
  • Guarantee Security Fee (Event), Amount: 325.00.
  • Discharge Administration Fee (Event), Amount: 250.00.
  • Credit Bureau Default Listing (Event), Amount: 75.00.
  • Electronic Settlement Fee (Upfront), Amount: 0.00.
  • Security Handling Fee (Event), Amount: 200.00.
  • Settlement Fee (Event), Amount: 150.00.
  • Debt Agreement Fee (Event), Amount: 150.00.
  • Overdraft Account Keeping Fee (Periodic), Amount: 7.00.
  • Enforcement Expense (Event), Amount: 0.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 2000.00

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

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