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  Bare Essentials Variable Owner Occupied Home Loan Principal & Interest

 General Lending Rates

 Product Features

• Redraw Additional Information: Easy access to your cash with our redraw facility.

• Other Additional Information: Split loan option available

 Product Eligibility

• Min Age - 18. Additional Information: The minimum age to open a Loan account is 18.

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

• Other Additional Information: LVR up to 80% subject to loan size, purpose & security offered (type, location)

• Other Additional Information: LVR up to 98% subject to loan size, purpose, security offered (type, location) and LMI approval, Housing Australia Scheme approval or Family Guarantee approval

 Bank Fees and Charges

• Loan Application Fee - Home Loan (Upfront), Amount: 600.00.

• Valuation Fee (Upfront), Amount: 149.00. Additional Information: At cost (minimum $149) payable at funding for costs incurred in obtaining a valuation

• Legal Fees (Upfront), Amount: 440.00. Additional Information: At cost (minimum $440) payable

• Staff Assisted Redraw (Withdrawal), Amount: 50.00.

• Additional Security Fees (Payment), Amount: 220.00. Additional Information: Per security

• Consent Fee (Payment), Amount: 150.00. Additional Information: Does not include solicitors/agents costs

• Discharge Of Mortgage Security Fees (Payment), Amount: 350.00.

• Document Copy Fee (Upfront), Amount: 7.00.

• Enforcement Expenses - Arrears Notice (Payment), Amount: 20.00.

• Enforcement Expenses - Credit Bureau Default Listing (Payment), Amount: 20.00.

• Enforcement Expenses - Default Notice (Payment), Amount: 50.00.

• Guarantee Security Fees (Payment), Amount: 220.00.

• Historical Document Retrieval (Event), Amount: 20.00. Additional Information: $20 per hour (min $20)

• Interest Recalculation Fee (Event), Amount: 30.00. Additional Information: $30 per hour (min $30)

• Loan Application - Topup (Upfront), Amount: 300.00.

• Property Substitution Fee (Payment), Amount: 300.00. Additional Information: Payable when you wish to change the security that is securing your mortgage loan, per property

• Re-documentation Fee (Event), Amount: 300.00. Additional Information: Home loan only

• Switching Fees (Upfront), Amount: 300.00. Additional Information: Payable when you convert your loan to another loan product type

• Progress Inspection Fee (Event), Amount: 110.00.

• Loan Security Fees (Event), Amount: 500.00. Additional Information: Documents include title search, registration of mortgage documents, and registration of discharge documents

• Legal Enforcement Expenses (Event), Amount: 1000.00.

• Other Fees And Charges (Event), Amount: 1000.00. Additional Information: Fees are incurred at the time of the credit union processing the transactions, unless otherwise stated. These fees are in addition to any monthly account keeping fees.

• Government Charges (Event), Amount: 1000.00.