S18 Mortgage Smart Plus (secured by mortgage over residential property)
For customers who have a Mortgage Smart Variable Rate Home Loan who require a overdraft on their transaction account
Category: Overdrafts Last Updated December 17, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE product. Additional Information Only members with a Mortgage Smart Housing Loan are elegible for this product. Debit interest is charged every month
Interest Rate
7.70% PA
7.70% PA
Comparison Rate
0.00%PA*
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Features
- Card Access
- Digital Banking
- Digital Wallet
- Unlimited Txns
- Other Additional Information: Funds at Call
Product Eligibility
- Residency Status - Australian Residents Only.
- Min Age - 18.
Bank Fees and Charges
- Direct Debit Rejection Fee (Transaction), Amount: 10.00.
- Dormant Account Fee (Event), Amount: 10.00. Additional Information: Charged after 2 years of inactivity
- Monthly Visa Card Fee (Periodic), Amount: 2.00. Additional Information: Fee is applicable to active cards only
- Overdraft Establishment Fee (Upfront), Amount: 150.00. Additional Information: Only applicable when applying for an Overdraft facility
- Overdrawn Account Fee (Withdrawal), Amount: 10.00.
- Paper Statement Fee (Periodic), Amount: 2.50.
- Overdrawn Account Fee (Withdrawal), Amount: 10.00.
Document Downloads
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