Specialised Fixed I.O.

General Lending Rates

Product Variations

Product Features

• Complementary Product Discounts

• Digital Banking Additional Information: Account can be viewed in online banking and transfers into the account can be conducted.

• Extra Repayments Additional Information: Ability to make additional repayments not exceeding $10,000 per year in addition to your contracted repayments

• Offset Additional Information: One 100% Mortgage Offset account is available.

• Other Additional Information: No establishment fee or mortgage documentation fee for any Specialised Residential Loan under the same entity.

• Other Additional Information: Split Loan Available. Multiple loans with differing interest structures are available under the one Specialised Loan Fee

• Redraw Additional Information: Available on request in branch.

Product Eligibility

• Business Additional Information: Only available to company or company trustee entity types.

Bank Fees and Charges

• Guarantee Document Fee (Upfront), Amount: 150.00. Additional Information: Document Fee - Guarantee (charged when the Bank is required to prepare a guarantee to secure the amount of credit)

• Company Search Fee (Variable), Amount: Not Listed.. Additional Information: Price on Application

• Mortgage Settlement Fee (Event), Amount: 450.00. Additional Information: Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds

• Loan Early Repayment Fee (Variable), Amount: Not Listed.. Additional Information: Charged on Fixed Loans. Payable when breaking your fixed rate period. Refer to your Credit Contract for more details.

• In Branch Redraw Fee (Event), Amount: 8.00. Additional Information: Payable when redraw request is fulfilled.

• Online Redraw Fee (Event), Amount: 0.00. Additional Information: $0 Redraw Fee Applies for Online Transactions

• Rate Lock Fee (Upfront), Amount: 500.00. Additional Information: Charged when opting to lock in an approved fixed rate, for a term of up to 90 days

• Val Fee - Propertyhub (Upfront), Amount: 50.00.

• Specialised Loan Fee (Periodic), Amount: 450.00. Additional Information: Annual fee charged on loan funding and annually on anniversary of the commencement date. If multiple loans are held, member can nominate applicable loan to be charged.

• Arrears Letter - Second Arrears Letter (Event), Amount: 40.00.

• Arrears Letter - Default Notice Prior To Enforcement (Event), Amount: 70.00.

 Limitations & Restrictions (Constraints)

• Max Lvr of 80.00 Additional Information: Maximum loan to valuation ratio of 80%.

• Min Limit of 10000.00 Additional Information: Minimum loan amount of $10,000.00.

Document Downloads

  brochure-account-access-facility.pdf (322.9 KB)
  brochure-fees-charges.pdf (567.5 KB)