Line of Credit
Our Line of Credit is an overdraft facility that provides you with the ability to continually draw up to your credit limit at any time for your home, car and other credit requirements, giving you flexibility providing you stay under your approved limit.
Category: Overdrafts Last Updated April 12, 2025 Effective April 14, 2025
General Lending Rates
Rates listed below are for a VARIABLE product. Additional Information Line of Credit - Ultimate Home Loan Package
Interest Rate
8.44% PA
8.44% 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 Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, VARIABLE, 8.94%
- Lending Rate Type: Variable
- Interest Rate: 8.94%, Comparison Rate 0.00%
- Repayment Type:
- Loan Purpose:
Product Features
- Card Access
- Digital Banking
- Digital Wallet Additional Information: Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply.
- Digital Wallet Additional Information: Pay faster, easier and more securely with Google Pay, Google Pay eligibility restrictions may apply.
- Digital Wallet Additional Information: Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply.
- Other Additional Information: Discounted variable interest rate whilst included under Ultimate Home Loan Package.
- Other Additional Information: Maximum loan to valuation ratio of 80%.
- Other Additional Information: Establishment fee waived whilst an Ultimate Home Loan Package is held.
- Other Additional Information: Continual credit facility.
Product Eligibility
- Min Age - 18.
- Natural Person
- Residency Status - Loans Are Available To Members Of The Bank Who Are Permanent Residents Of Australia And Currently Live In Australia..
Bank Fees and Charges
- Loc Establishment Fee (Upfront), Amount: 250.00. Additional Information: Charging on Origination
- Mortgage Document Fee (Upfront), Amount: 250.00. Additional Information: Charging on Origination
- Package Fee (Periodic), Amount: 395.00. Additional Information: Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date. If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged.
- Package Fee (Periodic), Amount: 0.00.
- Overlimit Fee (Event), Amount: 30.00.
- Annual Facility Fee (Periodic), Amount: 100.00.
- Annual Facility Fee (Periodic), Amount: 0.00.
- Val Fee - Propertyhub (Upfront), Amount: 50.00.
- Other Credit Fees (Event), Amount: 0.00. Additional Information: Refer to our Fees and Charges brochure for information on other fees and charges which may apply.
- Monthly Account Fee (Periodic), Amount: 0.00.
- Arrears Letter - Second Arrears Letter (Event), Amount: 40.00.
- Arrears Letter Fee - Default Notice Prior To Enforcement (Event), Amount: 70.00.
- Mistaken Payment Return Request (Event), Amount: 50.00.
- Trace And/or Recall Of Funds (Event), Amount: 40.00. Additional Information: Applies to Direct Debit, Direct Credit and OSKO payments
- Disputed Transaction Fee (Event), Amount: 35.00.
- Direct Debit Honour Fee (Event), Amount: 5.00.
- Direct Debit Dishonour Fee (Event), Amount: 7.00.
- Overseas Purchase Fee (Event), Amount: 3.65. Additional Information: Charged as a percentage of the foreign currency transaction value
- Transaction Investigation Fee (Event), Amount: 15.00.
Document Downloads
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