Business Mortgage Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 9.04%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 9.14%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 9.34%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Variable
• Interest Rate: 6.24%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 5.29%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 5.29%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Fixed
• Interest Rate: 5.69%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Digital Banking

• Redraw Additional Information: Redraw available on application only, minimum redraw $1,000, online or staff assisted

• Other Additional Information: Variable and fixed interest rate options available

• Other Additional Information: Extra repayments up to $20,000 during a fixed term

• Other Additional Information: Loan terms up to 20 years

• Other Additional Information: Available for bridging purposes

 Product Eligibility

• Business

• Residency Status - Australian Citizen Or A Permanent Resident Of Australia Or Otherwise Approved.

• Min Age - 18. Additional Information: Borrower must be minimum age of 18 years old

• Other Additional Information: Secured by residential property only

• Other Additional Information: 'Special Offer' rates available for principal and interest loans with a minimum loan amount of $100,000.00 and an LVR of up to 80%

 Bank Fees and Charges

• Cheque Issuing Fee Comm (Event), Amount: 2.50. Additional Information: Payable to us when a payment is made from your loan account by way of Financial Institution (FI) Cheque.

• Commitment Fee (Periodic), Amount: Not Listed.. Additional Information: Fee is charged on the unused portion of the facility limit. It is calculated daily from the date two months after the date of the Facility Offer until the facility is fully drawn.

• Default Administration Fee Comm (Event), Amount: 50.00. Additional Information: Payable to us when you are in default because you have not (or a security provider has not) performed an obligation on time (including any obligation to pay money).

• Discharge Administration Fee Comm (Event), Amount: 200.00. Additional Information: Per security. Payable to us each time we release a security.

• Dishonour Fee Comm (Event), Amount: 9.00. Additional Information: Payable to us when a payment (such as a direct debit, salary deduction or cheque) is dishonoured.

• Duplicate Fee Comm (Event), Amount: 20.00. Additional Information: Per copied document. Payable to us when we provide a copy of a document at your request.

• Duplicate Statement Fee Comm (Event), Amount: 7.00. Additional Information: Payable to us when we provide a copy of a statement at your request.

• Information Fee Comm (Variable), Amount: 20.00. Additional Information: $1.00 per minute ($20.00 minimum fee). The fee will be calculated on the actual time spent retrieving and providing the information requested. Payable to us to provide information and that information is provided in writing.

• Loan Application Fee Comm (Variable), Amount: 250.00. Additional Information: Minimum Fee $250.00 - available at the time of the application.

• Loan/overdraft Service Fee Comm (Variable), Amount: 50.00. Additional Information: Minimum fee $50.00 per quarter. Amount available on application. Fee is debited on your account quarterly in arrears on the last day of March, June, September and December.

• Production Fee Comm (Event), Amount: 200.00. Additional Information: Per document per production, plus any agents fees. Payable to us if we produce a document to the Land and Property Information division of the NSW Department of Lands or its equivalent in other jurisdictions.

• Progress Payment Fee Comm (Variable), Amount: 100.00. Additional Information: Minimum $100 per progress payment. Payable when a progress payment is made on a building or construction loan.

• Security Substitution Fee Comm (Event), Amount: 300.00. Additional Information: Per new security. Payable to us to substitute a new security for an existing one.

• Settlement Fee Comm (Event), Amount: 150.00. Additional Information: Per settlement. Payable to us each time we or our solicitors attend settlement in connection with a security.

• Switching Fee Comm (Event), Amount: 300.00. Additional Information: Per switch. Payable to us to convert from one interest rate option to another on an existing loan or switch to another of our loan products.

• Agents Costs Comm (Variable), Amount: Not Listed.. Additional Information: Not ascertainable. Payable to us or our solicitor or their agent when they attend to the registration of a discharge of mortgage at your request or when an agent is required to attend a settlement, produce or lodge documents at the Lands and Property Services division of New South Wales Department of Lands or its equivalent in other jurisdictions.

• Renegotiation Fee Commercial Loan (Variable), Amount: Not Listed.. Additional Information: Amount available on application. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options.

• Valuation Fee Commercial Loans (progress Valuation) (Variable), Amount: Not Listed.. Additional Information: Amount not ascertainable. Payable on building and constructions loans for progress valuation fees.

• Valuation Fee Commercial Loans (Variable), Amount: Not Listed.. Additional Information: Valuation fees are available upon enquiry. Valuation Fees are payable in relation to each property to which a loan is secured, and may vary according to the location of the secured property.

• Consent Fee Comm (Event), Amount: 200.00. Additional Information: Per consent. Payable to us when you ask us to consent to leasing, subdividing or any other dealing in relation to the security property.

• Break Costs Commercial Loans (Variable), Amount: Not Listed.. Additional Information: Amount not ascertainable. May be payable to us when you are under thefixed rate option and, before the end of your fixed rate period, you convert to the variable rate option; or convert from one fixed rate option to another fixed rate option; or prepay the total amount owing; or prepay an amount of $20,000 or more; or are in default and the total amount owing becomes immediately due for payment.

• Break Cost Administration Fee Comm (Event), Amount: 300.00. Additional Information: Payable to us in addition to Break Costs.

• Rollover Fee Comm (Event), Amount: 200.00. Additional Information: Per rollover. Payable to us when a loan goes from one fixed rate period to another.

 Limitations & Restrictions (Constraints)

• Min Limit of 200000.00 Additional Information: Minimum loan amount $20,000.00 for standard rates.

• Min Limit of 100000.00 Additional Information: Minimum loan amount $100,000.00 for special offer rates.

• Max Lvr of 80.00