Premium Plus Package Fixed Rate Home Loan Principal and Interest

General Lending Rates

Product Variations

Product Features

• Cashback Offer Additional Information: Online Cashback Offer available on eligible purchased and refinanced loans for applications submitted through our online application channel. See Offer terms and conditions for details.

• Digital Banking

• Other Additional Information: Additional Repayments allowed up to $25000 p.a.

• Complementary Product Discounts

• Redraw Additional Information: Redraw allowed, minimum withdrawal $500. Maximum amount of redraw limited to $25,000 per calendar year.

• Other Additional Information: Our Rate Lock option enables you to lock in our current advertised interest rate for your selected fixed rate home loan product, giving you certainty for up to 90 days against potential interest rate increases. A non-refundable fee applies for selecting this option.

• Extra Repayments Additional Information: You can make regular additional and extra lump sum repayments up to $25,000 per year. Break costs may apply if you make additional repayments of more than $25,000. See the Break Costs and Fixed Interest Guide for more info.

Product Eligibility

• Natural Person

• Residency Status - Must Live In Australia And Be Either: An Australian Citizen, An Australian Permanent Resident Or A New Zealand Citizen.

• Min Age - 18.

• Other Additional Information: Credit Approval. Applications for home loans are subject to the Bank's normal credit approval.

Bank Fees and Charges

• Rate Lock Fee (Event), Amount: 750.00. Additional Information: This fee is charged for each loan account for which you've opted to lock in a rate, and for each instance of locking in a rate. We charge the Rate Lock Fee to your loan account on the day the loan is funded. Refer to ‘Facts for Mortgage Loans’ for more information.

• Discharge Administration Fee (Exit), Amount: 250.00. Additional Information: Payable whenever we arrange for a discharge of mortgage. There may also be fees charged by a third party.

• Dishonour (direct Debit And Cheque) (Event), Amount: 9.00. Additional Information: If you ask us to take a payment, either direct debit or salary deduction and you do not have enough funds in your account to cover this payment, you will be charged a fee.

• Settlement Reschedule Fee (Event), Amount: 85.00. Additional Information: Payable to us when your discharge settlement is cancelled and/or rescheduled. This fee is payable in either cash or cheque at the time of settlement.

• Consent Fee (Event), Amount: 200.00. Additional Information: Payable whenever we agree to a change relating to the title of the property.

• Title Search Fee (Event), Amount: 75.00. Additional Information: This comprises our external searcher’s fee and the Land and Property Information fees. (If the security involves a Community Scheme, or is outside New South Wales, or is old system title, this fee is unascertainable and may be higher. We may charge you what our solicitors or agents charge us to perform this search).

• Premium Plus Administration Fee (Periodic), Amount: 395.00. Additional Information: Annual package fee for Premium Plus Home Loan Package loans

• Default Administration Fee 1 (Event), Amount: 35.00. Additional Information: Where one payment or less is in arrears at the end of the month.

• Conversion Fee (Event), Amount: 350.00. Additional Information: May be payable when converting loan product type.

• Substitution In Security Fee (Event), Amount: 350.00. Additional Information: Payable when the Security listed on a mortgage is changed. You may also be charged a valuation fee which is unascertainable.

• Break Costs Fixed Rate Loans (Variable), Amount: Not Listed.. Additional Information: Are payable when before the end of the fixed rate period the borrower “breaks” the fixed rate by: repaying all of the amount owing; or repaying early more than $25,000 during any calendar year; or switching to another product, interest rate or payment type; or are in default and the total amount owing becomes immediately due for payment.

• Default Administration Fee 2 (Event), Amount: 50.00. Additional Information: Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount).

• Electronic Transfer Fee (Event), Amount: 30.00. Additional Information: Payable to us when we are required to electronically transfer money for settlement.

• International Transfer Inward (Event), Amount: 12.00. Additional Information: Fee applies for the conversion of international transfers in a foreign currency to Australian dollars.

• Settlement Cheque Fee Npbs Cheque Only (Event), Amount: 5.00. Additional Information: Payable to us when we are required to issue Financial Institution Cheques for settlement. Financial Institution Cheque means a cheque which is issued by us and drawn on us. Where the settlement cheque is drawn by a third party, the fee charged to us by the third party will be passed on to you. The amount of these third party fees may vary and are unascertainable as at the date of these terms and conditions.

• Document And Miscellaneous Service (Variable), Amount: Not Listed.. Additional Information: Fee applies if you request copies of documents such as withdrawal slips or statements, you ask us to verify a transaction on your account or you request any other information. It is calculated on an hourly basis, and charged to your account on a pro-rata basis (subject to minimum charges applying) after the search is undertaken. $60/hour (min $10/copy).

 Limitations & Restrictions (Constraints)

• Max Lvr of 0.95 Additional Information: Maximum LVR for Principal and Interest loans.

• Min Limit of 5000.00 Additional Information: Note that the credit limit we give you will depend on your ability to meet your repayments.