Essential Workers Home Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 6.28%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 6.32%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.61%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 6.37%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 4.99%, Comparison Rate 5.78%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.34%, Comparison Rate 6.41%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 4.99%, Comparison Rate 5.86%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.24%, Comparison Rate 6.31%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.15%, Comparison Rate 5.94%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.15%, Comparison Rate 5.90%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.74%, Comparison Rate 6.56%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 6.51%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.29%, Comparison Rate 6.36%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.15%, Comparison Rate 5.98%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Redraw Additional Information: Fee Free redraw

• Other Additional Information: Up to $10,000 over Fixed Term

 Product Eligibility

• Residency Status - Australian Citizen.

• Other - Essential Workers. Additional Information: Avaliable to the following: First responders – Police officers, ambulance officers, firefighters, paramedics, rescue workers. Frontline workers – nurses, allied health workers, school teachers, social workers. Other classes of workers who perform important services may also be eligible.

• Residency Status - Australian Residents.

• Natural Person

• Min Age - 18.

 Bank Fees and Charges

• Rtgs Transfer Fee (Event), Amount: 10.50. Additional Information: Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.

• 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

• Pest & Building Inspections Fees (Variable), Amount: Not Listed..

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

• Other Legal/ Solicitors Fees (Variable), Amount: Not Listed..

• Additional Valuation Fee (Variable), Amount: Not Listed..

• Legal/securities Fees (Variable), Amount: Not Listed..

• Default Notice Fee (Event), Amount: 21.50.

• Stamp Duty (Variable), Amount: Not Listed..

• Ppsr Fees (personal Properties Security Register) (Variable), Amount: Not Listed..

• 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

• Production Of Title Fee (Event), 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

• Stamp Duty Increase Fee (Variable), Amount: Not Listed..

• Early Repayment Fee (Variable), Amount: Not Listed.. 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.

• 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).

• Third Party Costs (Variable), Amount: Not Listed.. 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

• Excess Valuation Fee (Variable), Amount: Not Listed..

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

• Future Legal Costs And Disbursements Relating To Any Variations, Dealings, Discharges (Variable), Amount: Not Listed..

• Substituting Of Security Legal Fee (Event), Amount: 605.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.

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

• Issue Of Statutory Default Notice Legal Fees (Variable), Amount: Not Listed..

• Insurance (Variable), Amount: Not Listed..

• Establishment Fee (Upfront), Amount: 600.00.

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

• Mortgage Loan Top Up/increase In Credit Limit Fee (Event), Amount: 315.00.

• Independent Legal Advice/interpreter Service (Variable), Amount: Not Listed..

• Other Government Duties & Taxes (Variable), Amount: Not Listed..

• Substituting Securities Fee (Event), Amount: 315.00. Additional Information: Payable to us when you substitute an existing property with a new property as security for your home loan.

• 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.

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

• 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.

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

 Limitations & Restrictions (Constraints)

• Min Balance of 50000.00