PREMIUM HOME LOAN OWNER OCCUPIED FIXED 3Y UP TO 80%LVR

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 6.23%, Comparison Rate 0.00%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Digital Banking Additional Information: SCCU Netbanking

• Offset

• Redraw

• Other Additional Information: Available for Construction loans

 Product Eligibility

• Employment Status - Y. Additional Information: Must be employed

• Residency Status - Y. Additional Information: Must be Australian resident

 Bank Fees and Charges

• Redraw In Branch (Transaction), Amount: 25.00. Additional Information: Charged if you access advance payment on your loan in-branch.

• Property Valuation Fee (Event), Amount: 300.00. Additional Information: If using a property as security for the loan, we need to confirm what the property is worth. This fee covers the cost of valuing your property which can vary depending on type and complexity of the property. Fee varies dependent on type and complexity of property. Minimum fee shown.

• Home Loan Legal Fee (Event), Amount: 430.00. Additional Information: A one off fee required to document and settle your loan.

• Home Loan Trust Deed Legal Fee (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan.

• Home Loan Security Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the security used for an existing loan agreement. Charged per security.

• Home Loan Product Switch (Event), Amount: 300.00. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.

• Loan Top-up (Event), Amount: 250.00. Additional Information: This is an additional establishment fee for increasing your home loan amount at any point after the home loan has been finalised.

• Security Guarantee Fee (Event), Amount: 200.00. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.

• Recontracting Fee (Event), Amount: 150.00. Additional Information: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.

• Direct Debit Dishonour (Event), Amount: 15.00. Additional Information: Charged if your direct debit payment is dishonoured due to insufficient funds

• Loan Discharge Fee (Event), Amount: 150.00. Additional Information: Sometimes called a termination fee, this is charged when you pay out your loan. It covers the costs associated with releasing your title.

• Home Loan Establishment Fee (Upfront), Amount: 699.00. Additional Information: A one off upfront fee for setting up your home loan.

• Loan Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the terms of an existing loan agreement. For example remaining loan term.

• Avm Valuation Fee (Event), Amount: 25.00. Additional Information: service that can provide real estate property valuations using mathematical modelling combined with a database.

• Desktop Valuation Fee (Event), Amount: 170.00. Additional Information: automated computer valuation done using property data, recent comparable sales and property listings

• Fixed Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: 0.15% of loan amount or a mimimum of $750, charged at loan funding

• Break Cost Fee (Event), Amount: 0.00. Additional Information: payable if a Fixed rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate

• Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to guarantor security and removing guarantor for loan. Charged per guarantor

 Limitations & Restrictions (Constraints)

• Min Limit of 250000.00