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: 5.38% (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%*)

Fixed Rate Car Loan

With our Fixed Rate Car Loan you can borrow as little as $10,000 for a new or used vehicle up to 10 years old.

Category: Personal Loans Last Updated October 29, 2024 Effective December 18, 2024

General Lending Rates

Rates listed below are for a FIXED P&I product. Additional Information Fixed rate for 3 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.

Interest Rate
9.99% PA

Comparison Rate
10.21%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 Variations

Product rates and conditions will usually vary based on the LVR and other conditions..

, FIXED, 9.99%

Lending Rate Type: Fixed
Interest Rate: 9.99%, Comparison Rate 10.21%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 9.99%

Lending Rate Type: Fixed
Interest Rate: 9.99%, Comparison Rate 10.21%
Repayment Type: Principal And Interest
Loan Purpose:

, FIXED, 9.99%

Lending Rate Type: Fixed
Interest Rate: 9.99%, Comparison Rate 10.21%
Repayment Type: Principal And Interest
Loan Purpose:

Product Features

Other Additional Information: No ongoing fees

Other Additional Information: Choose weekly, fortnightly or monthly repayments

Other Additional Information: A competitive fixed interest rate

Digital Banking Additional Information: 24/7 access via internet banking, mobile app and phone banking

Other Additional Information: Loan can be used to buy towable caravans, boats, motor cycles or classic cars

Other Additional Information: Accessories like a car navigation system, alarm and your car insurance can be added to the loan

Product Eligibility

Other Additional Information: You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.

Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

Natural Person

Min Age - 18.

Other Additional Information: All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.

Bank Fees and Charges

Application Fee (Upfront), Amount: 150.00. Additional Information: This fee is applicable when the loan is funded.

Arrears Administration Fee (Event), Amount: 10.00. Additional Information: Payable each time staff action a loan account, RediCredit or Credit Card account in arrears.

Break Fee (Variable), Amount: Not Listed.. Additional Information: Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan or you switch from this loan type to another loan type. Please refer to clause 3B of the Consumer Lending terms and conditions for details of how this fee is calculated. At Cost.

Paper Statement Fee (Periodic), Amount: 1.55. Additional Information: This fee applies when you have elected to receive a paper statement by post in addition to a statement available to view and download in internet banking. It is in addition to fees for replacement and additional statements. For credit cards, this fee is debited to credit card account on the 7th day of the month after the end of a statement period. For all other accounts, this fee is debited to transaction, savings or loan account in that order on the 15th day of the month after the end of a statement period. Exceptions apply. For more information please refer to our Fees and Charges brochure.

Limitations & Restrictions (Constraints)

Min Limit of 10000.00 Additional Information: Minimum loan amount is $10,000

Max Limit of 80000.00 Additional Information: Maximum loan amount is $80,000

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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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