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  First Home Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 5.79%, Comparison Rate 5.90%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.59%, Comparison Rate 5.84%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.84%, Comparison Rate 5.91%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.59%, Comparison Rate 5.84%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.84%, Comparison Rate 5.91%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 6.29%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 5.92%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.79%, Comparison Rate 5.90%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Other Additional Information: Up to $5,000 over the Fixed Term period

• Redraw Additional Information: Fee Free redraw

• Offset Additional Information: Not Available for Fixed Loans or Interest Only

 Product Eligibility

• Residency Status - Australian Citizen.

• Natural Person

• Min Age - 18.

• Other - First Home Loan Deposit Scheme. Additional Information: Must be eligible for the First Home Loan Deposit Scheme

 Bank Fees and Charges

• General Consent Fee (Event), Amount: 250.00. Additional Information: Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable).

• Late Payment Fee (Event), Amount: 10.00. Additional Information: Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Heritage Isle Bank loans and continuing credit accounts

• Stamp Duty (Variable), Amount: 0.00.

• Third Party Costs (Event), Amount: 0.00. Additional Information: Any other costs charged to us by a third party will be passed on to you. Some examples are as follows: • Title Change Fee • Land and Property Information Search Fees • Land and Property Information Registration Fees

• Excess Valuation Fee (Variable), Amount: 0.00.

• Early Repayment Fee (Event), Amount: 0.00. Additional Information: Early Repayment Fee payable, if, during any fixed rate period, you: (a) repay the whole of your unpaid balance (full early repayment); (b) pay $5000 or more in repayments above the contractual repayments (partial early repayment); or (c) become obliged to repay the whole loan after you have defaulted (full early repayment) and the fixed rate that applied to the loan is more than the prevailing market interest rate at the time of the early repayment, as determined by us in our absolute discretion.

• Independent Legal Advice/interpreter Service (Variable), Amount: 0.00.

• Consent To Subdivision Fee (Event), Amount: 162.00. Additional Information: Payable when you ask for our consent to register a subdivision or other plan or dealing.

• Establishment Fee (Upfront), Amount: 600.00.

• Mortgage Discharge Fee (Exit), Amount: 294.00. Additional Information: Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office

• Other Legal/ Solicitors Fees (Variable), Amount: 0.00.

• Insurance (Upfront), Amount: 0.00.

• Monthly Product Split Fee (Periodic), Amount: 7.00.

• Legal/securities Fees (Variable), Amount: 0.00.

• Dishonoured Cheque Fee (Event), Amount: 9.00.

• Arrears Letter Fee (Event), Amount: 6.50. Additional Information: Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.

• Second Mortgage Consent Fee (Upfront), Amount: 75.00. Additional Information: Payable when you ask us to consent to a second mortgage

• Additional Statement Fee (Event), Amount: 5.00. Additional Information: Payable when you request an additional statement

• Future Legal Costs And Disbursements Relating To Any Variations, Dealings, Discharges (Variable), Amount: 0.00.

• Dishonoured Member Cheque Fee (Periodic), Amount: 9.00.

• Fixed Rate Lock Fee (Event), Amount: 600.00.

• Bank Cheque (Variable), Amount: 0.00.

• Ppsr Fees (personal Properties Security Register) (Periodic), Amount: 0.00.

• Issue Of Statutory Default Notice Legal Fees (Variable), Amount: 0.00.

• Additional Valuation Fee (Event), Amount: 0.00.

• Stamp Duty Increase Fee (Variable), Amount: 0.00.

• Substituting Of Security Legal Fee (Upfront), Amount: 605.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.

• Other Government Duties & Taxes (Variable), Amount: 0.00.

• Production Of Title Fee (Upfront), Amount: 110.00. Additional Information: Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property

• Default Notice Fee (Event), Amount: 21.50. Additional Information: Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.

• Substituting Securities Fee (Upfront), Amount: 315.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.

• Rtgs Transfer Fee (Upfront), Amount: 10.50. Additional Information: Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.

• Pest & Building Inspections Fees (Variable), Amount: 0.00.

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