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  Fixed Rate Home Loan - Property Investor - I/O - 12 mths

 General Lending Rates

 Product Features

• Offset Additional Information: Offset is not Available

• Redraw Additional Information: Redraw is not available during a fixed rate period

• Npp Payid Additional Information: Get faster payments between participating banks, anytime with Pay ID

• Npp Enabled

• Other Additional Information: 30 years

• Other Additional Information: If the fixed interest rate changes between the disclosure date on your loan contract and the loan funding date, the applicable fixed interest rate on your loan will be the rate at the date of your loan funding - which could be a higher (or lower) rate. If you request we can rate lock your fixed interest rates prior to the loan being funded, for a non-refundable fee.

• Other Additional Information: Extra repayments of up to 5% of the loan balance per annum

• Other Additional Information: Interest Only - monthly due 1st day of each month

• Other Additional Information: Switching is a change to one or more aspects of your loan's terms and conditions, for example switching from a variable rate to a fixed rate or switching from Interest Only to Principal and Interest repayments.

• Other Additional Information: Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates.

• Other Additional Information: You can borrow additional funds subject to equity held in your property and our approval. However it's important to know that a top up would break your fixed rate contract and therefore a Break Fee Cost may apply. Please contact us to discuss this.

• Other Additional Information: Lenders Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR). LMI is a one-off cost added to the total loan amount and is not a bank fee or an establishment fee.

• Other Additional Information: A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require.

• Other Additional Information: This loan can be used for investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs, personal investments, off the plan purchases, bridging loan and building/construction purposes.

• Other Additional Information: At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.

 Product Eligibility

• Natural Person

• Min Age - 18. Additional Information: Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older

• Employment Status - Employed.

• Residency Status - Permanent Resident. Additional Information: You must be an Australian citizen or permanent resident to apply

• Other Additional Information: Available for Property Investors only.

• Other Additional Information: Applications for credit are subject to the Bank s eligibility and suitability criteria and normal credit approval process.

 Bank Fees and Charges

• Loan Establishment Fee - Mortgage Loan (new) (Upfront), Amount: 500.00. Additional Information: A fee charged to set up a new home loan

• Loan Establishment Fee - Mortgage Loan (top Up) (Upfront), Amount: 200.00. Additional Information: A fee charged to vary the value of an existing home loan

• Loan Establishment Fee - Second Mortgage Loan (new) (Upfront), Amount: 400.00. Additional Information: A fee charged for consent to a subsequent new mortgage

• Loan Establishment Fee - Second Mortgage Loan (top Up) (Upfront), Amount: 200.00. Additional Information: A fee charged for consent to a subsequent mortgage to vary the value of an existing home loan

• Fixed Rate Lock Fee (Event), Amount: 500.00. Additional Information: A fee charged to guarantee the fixed interest rate quoted to you at loan approval for up to 90 days from the date of approval

• Loan Switch Fee (Event), Amount: 200.00. Additional Information: A fee charged to switch your loan account from one type to another

• Valuation Fee (Variable), Amount: 0.00. Additional Information: A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased

• Mortgage Preparation Fees (Variable), Amount: 0.00. Additional Information: A fee charged for legal services including preparation of legal documents and attending settlement

• Title Search Fee (Event), Amount: 20.00. Additional Information: A third party cost for a Title Search to determine any interests in a property

• Registration Fees (Variable), Amount: 0.00. Additional Information: A third party cost for registration of mortgage

• Stamp Duty (mortgage) (Variable), Amount: 0.00. Additional Information: The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers

• Pexa Service Fee (Upfront), Amount: 57.20. Additional Information: A fee charged to cover third party costs associated with the establishment of your mortgage

• Lenders Mortgage Insurance (Variable), Amount: 0.00. Additional Information: Third party cost for insurance that protects the lender in the event that the borrower defaults on their home or investment loan

• Mortgage Administration Fee (Event), Amount: 150.00. Additional Information: A fee charged if we are asked by you or your legal representative to make any of our loan documents available to you during the life of the loan

• Consent Fee (Event), Amount: 300.00. Additional Information: A fee charged for consent to a subsequent mortgage in favour of an another lender where we hold the prior mortgage

• Mortgage Discharge Fee (Exit), Amount: 300.00. Additional Information: A fee charged if you repay your loan and request us to discharge your mortgage, includes our costs and is in addition to any costs incurred by us from external parties

• Mortgage Discharge - Registration Fee (Exit), Amount: 146.40. Additional Information: A fee charged to cover third party costs associated with the discharge of your mortgage

• Mortgage Discharge - Pexa Service Fee (Exit), Amount: 42.24. Additional Information: A fee charged to cover third party costs associated with the discharge of your mortgage

• Variation Of Security (Event), Amount: 200.00. Additional Information: A fee charged for the variation of security or other loan details, requiring us to issue new documents or re-assess your loan in any way

• Mortgage Redraw Fee (Transaction), Amount: 30.00. Additional Information: A fee charged to access the redraw facility on your home loan

• Late Payment Fee (Event), Amount: 15.00. Additional Information: A fee charged when you don't make your minimum monthly payment, plus any overdue amount

• Default Notice Fee (Event), Amount: 50.00. Additional Information: A fee charged if you default on your repayments and we issue a default notice

 Limitations & Restrictions (Constraints)

• Opening Balance of 0.00

• Max Balance of 5000000.00