Equity Access Account

 General Lending Rates

 Product Features

• Card Access Additional Information: Make purchases online or in-store using your Visa Debit card, including paywave.

• Digital Banking Additional Information: Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.

• Npp Enabled Additional Information: Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.

• Overdraft Additional Information: Drawdown your line of credit at any time without having to reapply. No fixed repayments - make repayments only to keep your balance under the approved limit. Interest is only charged on the amount drawn. Please see our website for more information.

 Bank Fees and Charges

• Bank@post Withdrawal Fee (Transaction), Amount: 3.00. Additional Information: Fee for Bank@Post cash withdrawal at participating Australia Post offices.

• Overseas Cash Withdrawal Fee (Transaction), Amount: 5.00. Additional Information: When you use your Visa Debit card overseas to withdraw cash.

• Statement Retrieval Fee (Event), Amount: 6.00. Additional Information: Statement retrieval fee applies for statements over 12 months old. 1st page $6, and $1.50 for each subsequent page

• Declined Emergency Visa Card Fee (Event), Amount: 70.00. Additional Information: Payable if your emergency card request is declined.

• Valuation Fee (Upfront), Amount: 0.00. Additional Information: First valuation is free. Additional valuations are charged to you at the cost we have incurred.

• Legal Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost when legal advice or services are required over the life of the loan.

• Third Party Document Production Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost if the Bank incurs costs or had to pay a third party in connection with something that needs to be done under the Loan or Security.

• Title Consent Fee (Event), Amount: 150.00. Additional Information: Payable when we are requested to consent to a change relating to your title.

• Loan Contract Variation Fee (Event), Amount: 250.00. Additional Information: Charged when we process a variation of your contract or any security such as; substitution, partial release, additional or transfer of security, amendment to the term of a loan or a loan account.

• Discharge Of Mortgage Non-settlement Fee (Event), Amount: 350.00. Additional Information: Charged for the preparation of documents for the discharge of mortgage where no settlement is required.

• Discharge Of Mortgage Settlement Fee (Event), Amount: 395.00. Additional Information: Charged for the preparation of documents for the discharge of mortgage in relation to a settlement.

• Withdrawal Of Caveat Non-settlement Fee (Event), Amount: 55.00. Additional Information: Without settlement per document. When we are requested to remove a caveat lodged on a title.

• Withdrawal Of Caveat Settlement Fee (Event), Amount: 160.00. Additional Information: With settlement per document. When we are requested to remove a caveat lodged on a title.

• Referral Fee (Event), Amount: 3.50. Additional Information: Where a line of credit has insufficient available funds to cover an auto transfer or direct debit transaction, and the transaction is honoured by P&N.

• Dishonour Fee (Event), Amount: 6.00. Additional Information: Payable when a direct debit set up on your line of credit, is dishonoured due to insufficient funds.

• Auto Transfer Dishonour Fee (Event), Amount: 6.00. Additional Information: Where a line of credit has insufficient available funds to cover an internal or external auto transfer, or BPAY transaction, and the transaction is dishonoured by P&N.

• Visa Foreign Currency Conversion Fee (Transaction), Amount: 0.00. Additional Information: 3% of the transaction value in AUD. When you use your Visa Credit or Debit card in a foreign currency either online or at a merchant point of sale outside or in Australia. Please refer to our website for more information.

• Card Replacement - Standard Fee (Event), Amount: 10.00. Additional Information: For the replacement of a lost or damaged Visa Debit card.

• Card Replacement - Urgent Fee (Event), Amount: 50.00. Additional Information: For the urgent replacement of a lost or damaged Visa Debit card.

• Emergency Card Replacement - Approved Fee (Event), Amount: 320.00. Additional Information: For the issue of a temporary emergency Visa Debit card, to temporarily replace a lost, stolen or damaged Visa Debit card.

• Foreign Cheque Deposit <$25,000 Fee (Event), Amount: 10.00. Additional Information: $10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch.

• Foreign Cheque Deposit $25,000+ Fee (Event), Amount: 60.00. Additional Information: $60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch.

• Default Notification Fee (Variable), Amount: Not Listed.. Additional Information: Payable at cost when we issue a default notice because you are in default under the contract.

• Late Payment Notification Fee (Event), Amount: 5.00. Additional Information: Charged when a payment to a home loan becomes overdue by 11 days and 30 days.

• Management Administration Fee (Event), Amount: 50.00. Additional Information: Charged monthly when a payment to a home loan becomes overdue by more than 90 days.

• Collection Agent Administration Fee (Event), Amount: 100.00. Additional Information: Payable when a payment to a home loan becomes overdue for more than 90 days and we choose to engage an external collection agent.

• Govt Registration Of Mortgage (Variable), Amount: Not Listed.. Additional Information: This fee is payable to the bank in reimbursement of Government charges relating to registration of mortgage on the security property. Amounts are set by the land titles office by each state or territory.

• Govt Discharge Of Mortgage (Variable), Amount: Not Listed.. Additional Information: This fee is payable to the bank in reimbursement of Government charges relating to discharge of mortgage on the security property. Amounts are set by the land titles office by each state or territory.

• Govt Title Search Fee (Variable), Amount: Not Listed.. Additional Information: This fee is payable to the bank in reimbursement of Government charges relating to obtaining title searches on the security property. Amounts are set by the land titles office by each state or territory.

• Loan Establishment Fee (Upfront), Amount: 0.00. Additional Information: No fee for establishment or top-up of the home loan.

• Lenders Mortgage Insurance (Variable), Amount: Not Listed.. Additional Information: LMI is insurance that protects the bank if the borrower/s are unable to make home loan repayments. LMI is required when a borrowers deposit is generally less than 20% of the property value plus other government fees. Please see our fact sheet for details.

• Search Admin Fee (Upfront), Amount: 25.00. Additional Information: Administration fee charged per loan for obtaining title searches

• Over Limit Management Fee (Event), Amount: 10.00. Additional Information: Charged when an overdraft or line of credit account exceeds the approved limit by more than $50 during the month.

• Document Preparation Fee (Upfront), Amount: 300.00. Additional Information: Fee for preparation of loan contracts charged at the time of funding or settlement of the loan.