Package Home Loan

General Lending Rates

Product Variations

Product Features

• Offset Additional Information: 100% Offset Account for variable rate loans only

• Redraw Additional Information: Minimum redraw $1,000.00, online or staff assisted

• Complementary Product Discounts Additional Information: 1% discount off the Mutual Visa Credit Card standard interest rate

• Other Additional Information: Extra Repayments - Unlimited on Variable Rate Home Loans with no additional cost. Up to $20,000 permitted during a Fixed Rate term without penalty.

• Other Additional Information: Construction option available

• Digital Banking

• Other Additional Information: Variable and fixed interest rate options available

• Other Additional Information: Fee discounts as disclosed on the website

• Other Additional Information: Interest only options available

• Other Additional Information: Split loan

Product Eligibility

• Residency Status - Australian Citizen Or A Permanent Resident Of Australia Or Otherwise Approved.

• Min Age - 18. Additional Information: Borrower must be minimum age of 18 years old

• Other Additional Information: Secured by approved residential or rural lifestyle property

Bank Fees and Charges

• Cheque Issuing Fee (Event), Amount: 2.50. Additional Information: Payable to us when a payment is made from your loan account by way of Financial Institution (FI) Cheque.

• Consent Fee (Event), Amount: 200.00. Additional Information: Per consent. Payable to us when you ask us to consent to leasing, subdividing or any other dealing in relation to the security property.

• Default Administration Fee (Event), Amount: 50.00. Additional Information: Payable to us when the borrower (or security provider) has not performed an obligation on time including an obligation to pay money. This fee is payable monthly commencing one month after the obligation should have been performed and up to and including the month in which the obligation is performed. We debit these fees to your loan account each month until the default is remedied.

• Discharge Administration Fee (Event), Amount: 200.00. Additional Information: Per Security. Payable to us each time we release a security.

• Dishonour Fee (Event), Amount: 9.00. Additional Information: Payable to us when a payment (such as a direct debit, salary deduction or cheque) is dishonoured.

• Duplicate Fee (Event), Amount: 20.00. Additional Information: Per copied document. Payable to us when we provide a copy of a document.

• Duplicate Statement Fee (Event), Amount: 7.00. Additional Information: Per statement. Payable to us when we provide a copy of a statement at your request.

• Photocopying Fee (Event), Amount: 0.50. Additional Information: Per sheet. Payable to us when we provide a photocopy of any document at your request.

• Production Fee (Event), Amount: 200.00. Additional Information: Per document per production. Payable to us if, at your or a security provider's request, we produce a document to the Land and Property Information division of the NSW Department of Lands or its equivalent in other jurisdictions.

• Renegotiation Fee (Event), Amount: 300.00. Additional Information: Per renegotiation. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options.

• Security Substitution Fee (Event), Amount: 300.00. Additional Information: Per new security. Payable to us to substitute a new security for an existing one.

• Settlement Fee (Event), Amount: 150.00. Additional Information: Per settlement. Payable to us each time we or our solicitors attend settlement in connection with a security.

• Switching Fee (Event), Amount: 300.00. Additional Information: Per switch. Payable to us when you convert from one interest rate option to another within your existing loan or if you elect to switch to another of our loan products

• Package Home Loan Fee (Periodic), Amount: 395.00. Additional Information: Payable to receive Package Benefits

• Agents Costs (Variable), Amount: Not Listed.. Additional Information: Amount not ascertainable. Payable to us or our solicitor or their agent when they attend to the registration of a discharge of mortgage at your request or when an agent is required to attend a settlement, produce or lodge documents at the Lands and Property Services division of New South Wales Department of Lands or its equivalent in other jurisdictions.

• Information Fee (Variable), Amount: 20.00. Additional Information: $1.00 per minute ($20.00 minimum fee). The fee will be calculated on the actual time spent retrieving and providing the information requested. Payable to us to provide information and that information is provided in writing.

• Progress Payment Fee (Variable), Amount: 100.00. Additional Information: Minimum $100 per progress payment. Payable to us if the loan is a building or construction loan. This fee will be payable whenever a progress payment is made on a building or construction loan.

• Valuation Fee Consumer Loan (progress Valuation) (Variable), Amount: Not Listed.. Additional Information: Not ascertainable. Payable for construction loan progress valuations.

• Valuation Fee Consumer Loans (Variable), Amount: Not Listed.. Additional Information: Valuation fees are available upon enquiry. Payable in relation to each property to which a loan is secured, and may vary according to the location of the secured property. Initial valuation fee waived up to $250.00 for Package Home Loans.

• Break Costs Administration Fee (Event), Amount: 300.00. Additional Information: Payable to us in addition to Break Costs

• Rollover Fee (Event), Amount: 200.00. Additional Information: Per rollover. Payable to us when you go from one fixed rate period to another.

• Break Costs Home Loans (Variable), Amount: Not Listed.. Additional Information: Amount not ascertainable. Payable to us when you are under the fixed rate option and, before the end of your fixed rate period, you convert to the variable rate option; or convert from one fixed rate option to another fixed rate option; or prepay the total amount owing; or prepay an amount of $20,000 or more; or are in default and the total amount owing becomes immediately due for payment.

 Limitations & Restrictions (Constraints)

• Min Limit of 150000.00 Additional Information: Minimum loan amount $150,000.00.

• Max Lvr of 95.00