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  First Home Loan

 General Lending Rates

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

• Lending Rate Type: Fixed
• Interest Rate: 5.59%, Comparison Rate 5.85%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 5.96%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 5.96%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.79%, Comparison Rate 5.91%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.84%, Comparison Rate 5.92%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.59%, Comparison Rate 5.85%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

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

• Redraw Additional Information: Fee Free redraw

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

 Product Eligibility

• Min Age - 18.

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

• Natural Person

• Residency Status - Australian Citizen.

 Bank Fees and Charges

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

• 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.

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

• Establishment Fee (Upfront), Amount: 600.00.

• Insurance (Upfront), Amount: 0.00.

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

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

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

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

• 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.

• Pest & Building Inspections Fees (Upfront), 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.

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

• 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.

• Issue Of Statutory Default Notice Legal Fees (Event), 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

• Ppsr Fees (personal Properties Security Register) (Event), 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

• 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.

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

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

• 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 Police Bank loans and continuing credit accounts

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

• 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).

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

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

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

• 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.

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

• Bank Cheque (Event), 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.

• 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

• Stamp Duty (Upfront), Amount: 0.00.

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