Ultimate Line of Credit - Secured by Residential Property

 General Lending Rates

 Product Features

• Card Access

• Digital Banking

• Npp Payid

• Npp Enabled

• Notifications Additional Information: Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)

• Fraud Protection

• Guarantor

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Residents Only.

• Natural Person

• Other Additional Information: Must be identifiable in terms of legislative requirements. Lending criteria apply.

 Bank Fees and Charges

• Information Fee - Search (Event), Amount: 20.00. Additional Information: $20.00 plus $1.00 per page

• Information Fee - Per Page (Event), Amount: 1.00. Additional Information: $20.00 plus $1.00 per page

• Bank Transfer Fee (Transaction), Amount: 8.00.

• Bulk Coin Purchase Fee (Transaction), Amount: Not Listed.. Additional Information: Minimum fee $2.00

• Bulk Coin Purchase Fee - Sourced Externally (Transaction), Amount: 8.00. Additional Information: $8.00 per bag

• Direct Debit Dishonour Fee (Event), Amount: 8.00.

• Foreign Currency Deposit Fee (Transaction), Amount: 5.00.

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

• Replacement Card Fee - In Australia (Event), Amount: 7.00. Additional Information: Charged on any replacement card issued within the expiry period within Australia if a replacement card has been requested in the preceding 12 months.

• Replacement Card Fee - International (Event), Amount: 100.00. Additional Information: For any replacement card issued overseas

• Sms Alert Fee (Transaction), Amount: 0.20. Additional Information: Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.

• Cheque Copy Fee (Event), Amount: 15.00.

• Cheque Honour Fee (Transaction), Amount: 5.00. Additional Information: Charged if we honour a cheque that would otherwise have been dishonoured due to insufficient funds.

• Dishonour Cheque Fee (Event), Amount: 15.00.

• Easypay Notification Fee - Letter (Event), Amount: 8.00.

• Eft Transaction Fee (rtgs) (Event), Amount: 20.00.

• Cheque Notify Fee - Letter/phone (Event), Amount: 20.00.

• Stop Payment Fee (Event), Amount: 7.00. Additional Information: Charged to stop payment of a cheque you have drawn or a bank cheque.

• International Currency Draft (Transaction), Amount: 15.00.

• Telegraphic Transfer - Foreign Currency (Transaction), Amount: 30.00.

• Telegraphic Transfer - Australian Currency (Transaction), Amount: 47.50.

• Telegraphic Transfer Trace (Transaction), Amount: 80.00. Additional Information: Fee is estimate only

• Payment Service Creation Fee (Event), Amount: 2.50. Additional Information: Charged when a customer requests we create an Easypay or Third Party Payment Service to other than a Greater Bank account.

• Scheduled Bpay Payment Fee (Event), Amount: 1.00.

• Monthly Facility Fee (Periodic), Amount: 10.00.

• Establishment Fee (Upfront), Amount: 500.00. Additional Information: $500.00 based on one security plus $250.00 for each additional security

• Administration Fee (Event), Amount: 350.00. Additional Information: Payable when we consent to any subdivision, lease, discharge, partial discharge, change of name, release of a Security, changing a policy of lenders mortgage insurance, creation of subsequent Security Interest or any dealing in relation to a Security.

• Conversion Fee - Switch To A Basic/great Rate Or Ultimate Home Loan (Event), Amount: 500.00. Additional Information: $500 fee payable when you ask us to switch your loan to a Basic/Great Rate or Ultimate Home Loan. If more than one loan is being converted each additional loan converted at the same time will attract a reduced fee of $250.

• Conversion Fee (Event), Amount: 350.00. Additional Information: $350 to convert, for example between a variable to a fixed loan or between principal & interest to interest only. If more than one loan is being converted at the same time each additional loan converted will attract a reduced fee of $250.

• Default Notice Fee (Event), Amount: 50.00. Additional Information: Payable when we send you a notice informing you of a default under this contract

• Discharge Administration Fee (Exit), Amount: 300.00. Additional Information: A Discharge Administration fee is payable when you request us to close your loan account, or produce title deeds at settlement. If Greater Bank incurs any costs associated when doing this, the cost will also be passed on to you.

• Government Charges (Variable), Amount: 0.00. Additional Information: Charges will be variable, calculated if and when applicable. These charges include Withholding Tax, Registration Fees on security documents and Stamp Duty. For Contracts Regulated by the National Credit Code, the only fees and charges that are payable are those set out in that contract (as varied from time to time).

• Guarantee Fee (Upfront), Amount: 200.00. Additional Information: Payable for each guarantee provided

• Law Stationers Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when a third party agent acts for or otherwise assists us in relation to (including when we request information in respect of a security or any other matter in connection with) your contract with us or a security.

• Legal Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or conveyancer for acting for us in relation to this loan

• Mercantile Agents Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security.

• Mortgage Insurance Premium Fee (Upfront), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. The amount charged by our mortgage insurer for a lenders mortgage insurance policy.

• Annual Package Fee (Periodic), Amount: 395.00.

• Registration Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we register any documents in relation to a security.

• Property Exchange Australia (pexa) Transaction Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we have to register any documents in relation to a security using PEXA, request information using PEXA, or we process a financial settlement using PEXA. Fees are applied as charged by PEXA

• Security Substitution Fee (Event), Amount: 350.00. Additional Information: Payable when you ask us to substitute a security

• Settlement Processing Fee (Upfront), Amount: 180.00. Additional Information: Payable for costs we incur in arranging settlement of the loan

• Title Insurance Premium (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. The amount charged by our title insurer for a lenders title insurance policy.

• Easypay Notification Fee - Sms (Event), Amount: 0.20.

 Limitations & Restrictions (Constraints)

• Min Limit of 30000.00