Flexi Home Equity - UNITY

 General Lending Rates

 Product Features

• Card Access

• Overdraft Additional Information: Overdraft facility available subject to meeting approval criteria

• Digital Wallet

• Digital Banking

• Npp Payid

• Npp Enabled

• Notifications

• Other Additional Information: Funds available - at call

• Other Additional Information: Direct Debits & Direct Credits

• Other Additional Information: Bank@Post transactions

• Other Additional Information: Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

• Other Additional Information: Lump sum repayments

• Other Additional Information: Minimum $10,000 top up facility available

• Other Additional Information: Auto repayments from salary or transferred from another account weekly, fortnightly, or monthly

• Other Additional Information: Repayment is $20 per month or 0.76% of the closing balance, whichever is the greater

 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.

 Bank Fees and Charges

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

• Bank@post Dishonour Fee (Event), Amount: 21.90.

• Bank@post Withdrawal Fee (Transaction), Amount: 2.60.

• Bank Audit Certificate (Event), Amount: 50.00.

• Bank Cheques (Event), Amount: 15.00.

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

• Corporate Cheque (Event), Amount: 3.00.

• Declined Atm/eftpos Transaction Fee (Withdrawal), Amount: 1.00.

• Default Notice Fee (Event), Amount: 20.00.

• Direct Debit Dishonour Fee (Event), Amount: 17.00.

• Direct Debit Honour Fee (Event), Amount: 17.00. Additional Information: Interest at the applicable rate will be charged on the overdrawn/over limit amount

• Dormant Account Keeping Fee (Periodic), Amount: 20.00. Additional Information: Or the prevailing maximum amount determined by legislation

• Foreign Cheque Deposits (Deposit), Amount: 15.00. Additional Information: Plus other bank charges at cost

• Foreign Currency (Event), Amount: Not Listed..

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

• Incoming Swift & Telegraphic Transfer Deposits (Transaction), Amount: 10.00.

• International Conversion Fee (Transaction), Amount: Not Listed..

• International Funds Transfer - Cancellation Or Trace (Event), Amount: 25.00.

• International Funds Transfer - Sending Aud Currency Overseas (Transaction), Amount: 50.00.

• International Funds Transfer - Sending Foreign Currency Overseas (Transaction), Amount: 30.00.

• International Funds Transfer - Transaction Processed Online (Transaction), Amount: 20.00.

• Member Cheque Dishonour Fee (Event), Amount: 17.00.

• Member Cheque Honouring Fee (Event), Amount: 17.00. Additional Information: Fee per transaction will apply, and interest at the applicable rate will be charged on the overdrawn/over limit amount

• Overdrawn Account Fee (Event), Amount: 21.00.

• Quick Debit Supplier Dishonour Fee (Event), Amount: 25.00.

• Special Clearance Fee (Event), Amount: 45.00. Additional Information: Any fee charged by National Australia Bank will apply

• Swift Transaction (within Australia) (Transaction), Amount: 30.00.

• Unofficial Agency Transaction (Withdrawal), Amount: 0.00. Additional Information: Other Mutuals/ Credit Unions may allow members to withdraw funds from their account in an emergency. Charges imposed by other Credit Unions will be charged to the member directly

• Visa Card Chargeback (Event), Amount: 23.00. Additional Information: The fee will apply where evidence suggests you participated and or authorised the transaction, or failed to sufficiently protect your card details.

• Visa Card Voucher Retrieval (Event), Amount: 18.00.

• Visa Emergency Transactions (Event), Amount: 350.00.

• 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.

• 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.

• Monthly Usage Fee (Transaction), Amount: 5.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 30000.00