Ultimate Essentials I/O Con

General Lending Rates

Product Variations

Product Features

• Complementary Product Discounts Additional Information: Personal loans.

• Other Additional Information: No application or establishment fees.

• Other Additional Information: No monthly fees.

• Other Additional Information: Loan Portability

• Other Additional Information: Split Loan Facility

• Other Additional Information: Construction (interest only) available.

• Redraw Additional Information: Free loan redraw (min $100)

• Other Additional Information: Australia-based Contact Centre

• Other Additional Information: Home Loan Consultants

• Extra Repayments Additional Information: No fees for extra repayments.

• Offset Additional Information: 100% mortgage offset account.

• Complementary Product Discounts Additional Information: Credit cards.

• Bonus Rewards Additional Information: Term Deposits

• Digital Banking Additional Information: Quick and easy online application.

• Complementary Product Discounts Additional Information: Insurance.

• Other Additional Information: Australian Government 5% Deposit Scheme

Product Eligibility

• Employment Status Additional Information: Australian Residents only

• Min Age Additional Information: 18

• Other - Individuals Must Have Capacity. Additional Information: Lending criteria

• Other - Construction Or Major Renovations To Owner Occupied Property. Additional Information: Purpose

Bank Fees and Charges

• Ultimate Package Annual Fee (Periodic), Amount: 380.00. Additional Information: Payable initially upon settlement of the property and then annually on the anniversary of the date on which the first annual package fee was paid when the loan is linked to the Ultimate Package.

• Arrears Reminder Notice Fee (per Letter) (Event), Amount: 20.00. Additional Information: Payable each time we send you a reminder notice relating to arrears on a loan

• Default Notice (enforcement Notice) (Event), Amount: 20.00. Additional Information: Payable each time we send you a notice relating to default on a loan

 Limitations & Restrictions (Constraints)

• Max Balance of Residential Additional Information: Borrow up to 95% of the property value.

• Max Balance of Vacant land 1st draw down Additional Information: Borrow up to 95% of the property value.