LINE OF CREDIT

 General Lending Rates

• Lending Rate Type: Bundle Discount Variable
• Interest Rate: 8.54%, Comparison Rate 0.00%
• Repayment Type: Interest Only
• Loan Purpose: Investment

 Product Features

• Bill Payment

• Card Access Additional Information: Visa Debit Card

• Digital Banking

• Unlimited Txns

• Npp Payid

• Npp Enabled

• Extra Repayments

• Other Additional Information: Split loan

 Product Eligibility

• Min Age - 18.

• Max Age - 75.

• Natural Person

 Bank Fees and Charges

• Establishment Fee - Line Of Credit (Upfront), Amount: 0.00. Additional Information: To cover our costs associated with establishing your loan. Waived for Freedom Package loans

• Principal Increase Fee - Line Of Credit (Event), Amount: 0.00. Additional Information: Payable when we process your request to increase the principal amount of your loan. Waived for Freedom Package loans

• Progress Payment Fee (Event), Amount: 450.00. Additional Information: Payable on the first drawdown after settlement to cover the administration costs of progress payments for your construction or home renovation

• Settlement Fee (Event), Amount: 100.00. Additional Information: Payable when we process the settlement of your loan. Waived for Freedom Package loans

• Valuation Fee - New Loans & Loan Increases (Variable), Amount: Not Listed.. Additional Information: Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg. additional loans) included in Package Fee up to $300 (total per application).

• Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: Premium varies according to the amount borrowed and the valuation of the secured property/s - an estimate will be provided after the security valuation is received

• Property Inspection Fee (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. Covers the cost of us arranging independent inspection on a property under construction or renovation.

• Document Preparation Costs And Third Party Costs (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc.

• Package Fee - Freedom Package (Periodic), Amount: 395.00. Additional Information: Annual mortgage package fee entitles you to benefits such as discounts & fee waivers on your home loan or line of credit, transaction accounts, credit card etc.

• Account Service Fee - Line Of Credit (Periodic), Amount: 0.00. Additional Information: Payable for managing your account. Waived for Freedom Package loans

• Basic Variation Fee (Event), Amount: 150.00. Additional Information: Plus third party costs if applicable. Payable when we process your request to change or restructure your repayment

• Complex Variation Fee (Event), Amount: 300.00. Additional Information: Plus any applicable break costs and third party costs if applicable. Payable when we process your request that varaies your product, security, interest rate or repayment type, unless switching to Principal & Interest payments. Waived for Freedom Package loans when changing interest rate and or interest type

• Valuation Fee - Post Settlement (Variable), Amount: Not Listed.. Additional Information: Charged at Cost. Payable to cover the cost of us arranging an independent valuation report (which we may do at any time acting reasonably).

• Default Administration Fee (Event), Amount: 40.00. Additional Information: Charged per month, if you fail to make a payment by the due date

• Conditions Subsequent Costs (Variable), Amount: Not Listed.. Additional Information: Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to provide reports to us.

• Rtgs Outward Payment Fee (Transaction), Amount: 20.00. Additional Information: Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

• Emergency Card/emergency Cash Disbursement Fee (Variable), Amount: Not Listed.. Additional Information: Unascertainable - as quoted by Visa Global Customer Assistance Service.

• Document Preparation Costs And Third Party Costs - Post Settlement (Variable), Amount: Not Listed.. Additional Information: Unacertainable - Are costs reasonably incurred by us in providing the service and include such costs as legal costs, document custodian charges, titles office fees, and electronic processing fees.

• Mortgage Release Fee (Event), Amount: 400.00. Additional Information: Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable

• Cheque Withdrawal Using Cheque Book (Withdrawal), Amount: 2.00. Additional Information: Payable when you write a cheque and it is presented on your account

• Deposit Foreign Currency Cheque Draft Fee (Deposit), Amount: 5.00. Additional Information: If cheque is greater than $5,000 or issuing bank is required to clear and settle cheque fee is $50. Payable each time a foreign currency/draft is deposited.

• Rtgs Outward Payment Fee (Transaction), Amount: 20.00. Additional Information: Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for same day payment

• Telegpraphic Transfer Fee (Payment), Amount: 50.00. Additional Information: $AU cuurency $50 per transfer OR foreign currency $30 per transfer. Payable each time you request an electronic transmission of funds to an account at an overseas bank.

• Atm Direct Charge Fee (Variable), Amount: Not Listed.. Additional Information: Direct charge fee is levied by the ATM owner. May be payable to the ATM owner when using your card to withdraw or check your balance at a non-Auswide Bank ATM network ATM.

• Foreign Atm Withdrawal Fee (Withdrawal), Amount: 5.00. Additional Information: Plus 3% Currency Conversion Fee. Payable when you use your Visa Debit Card at any oversas ATM to withdraw from your account

• Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you use your card to pay for purchases or withdraw cash at overseas retail outlets or overseas ATM

• Dishonour Fee - Direct Debit And External Payment (Event), Amount: 15.00. Additional Information: Charged per rejection. Payable when you've arranged a direct debit payment or external payment to an account at another financial institution but there are insufficient clear funds in your account

 Limitations & Restrictions (Constraints)

• Max Lvr of 0.90 Additional Information: LVR up to 80% for Owner Occupied loans. LVR up to 90% for Investment loans

• Max Limit of 3500000.00

• Min Limit of 100000.00