Product Library

S18 Mortgage Smart Plus (secured by mortgage over residential property)

For customers who have a Mortgage Smart Variable Rate Home Loan who require a overdraft on their transaction account

Category: Overdrafts Last Updated April 13, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Only members with a Mortgage Smart Housing Loan are elegible for this product. Debit interest is charged every month

Interest Rate
7.70% PA

Comparison Rate
0.00%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 Features

Card Access

Digital Banking

Digital Wallet

Unlimited Txns

Other Additional Information: Funds at Call

Product Eligibility

Residency Status - Australian Residents Only.

Min Age - 18.

Bank Fees and Charges

Direct Debit Rejection Fee (Transaction), Amount: 10.00.

Dormant Account Fee (Event), Amount: 10.00. Additional Information: Charged after 2 years of inactivity

Monthly Visa Card Fee (Periodic), Amount: 2.00. Additional Information: Fee is applicable to active cards only

Overdraft Establishment Fee (Upfront), Amount: 150.00. Additional Information: Only applicable when applying for an Overdraft facility

Overdrawn Account Fee (Withdrawal), Amount: 10.00.

Paper Statement Fee (Periodic), Amount: 2.50.

Overdrawn Account Fee (Withdrawal), Amount: 10.00.

Document Downloads

summary-of-accounts-availability-of-access-december-20.pdf (144.4 KB)

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