Ultimate Essentials I/O

General Lending Rates

Product Features

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

• 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: Fixed or Variable Options

• 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

• Complementary Product Discounts Additional Information: Personal Loans

• Bonus Rewards Additional Information: Term deposits

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

• Digital Banking Additional Information: Redraw facility available online

• Complementary Product Discounts Additional Information: Insurance

Product Eligibility

• Residency Status Additional Information: Australian residents only.

• Min Age Additional Information: 18

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

• Other - Purchase/refinance, Investment, Purchase Vacant Land, Home Imrovement.. Additional Information: Purpose.

Bank Fees and Charges

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

• 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

• 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.

 Limitations & Restrictions (Constraints)

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

• Max Limit of Vacant land/refinance Additional Information: Borrow up to 95% of the property value.