Bank Products – BeliefMedia Finance & Mortgage Broker Digital Marketing

RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%

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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

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 September 19, 2024 Effective November 1, 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: BHCCU 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

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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.

Timezone: 1 · [ CHANGE ]

Want a No Obligation Discussion?

Like this mortgage product?

General Enquires: 1300 235 433 • Support: (02) 8765 8887

The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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