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  Ultimate Packaged Home Loan - Fixed 2 Year Owner Occupied

 General Lending Rates

 Product Features

• Digital Banking

• Guarantor

• Redraw Additional Information: Fee free redraw via Online Banking. $30 fee for over the counter redraw.

• Extra Repayments Additional Information: We allow you to make extra payments up to a total of 5% of your original loan amount during the fixed rate period before a prepayment fee applies.

• Notifications Additional Information: Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)

• Cashback Offer Additional Information: Switching to Greater Bank could score you up to $2,500 cashback. Applicable for eligible owner occupied and investment home loans. $2,000 cashback for loans ≥$250,000 with LVR of less than or equal to 80%, or $2,500 cashback for loans ≥$500,000 with LVR of less than or equal to 80%. Only one (1) Cashback Payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions. Terms, conditions, fees, charges and credit criteria apply.

• Cashback Offer Additional Information: First Home Buyer offer for eligible loans used wholly or predominantly to purchase a residentially secured owner occupied loan. Under the Offer, the following payment will be paid to the Eligible Borrower(s), subject to the terms and conditions: a. A cashback payment of $2,500 for applications greater than $250,000 with a Loan to Value Ratio (LVR) of equal to or less than 95%.

 Product Eligibility

• Other Additional Information: Must be identifiable in terms of legislative requirements. Lending criteria apply.

• Residency Status - Australian Residents Only.

• Natural Person

• Min Age - 18.

 Bank Fees and Charges

• Discharge Administration Fee (Exit), Amount: Not Listed.. Additional Information: A Discharge Administration fee is payable when you request us to close your loan account, or produce title deeds at settlement. If Greater Bank incurs any costs associated when doing this, the cost will also be passed on to you.

• Easypay Notification Fee - Sms (Withdrawal), Amount: Not Listed..

• Property Exchange Australia (pexa) Transaction Fee (Event), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we have to register any documents in relation to a security using PEXA, request information using PEXA, or we process a financial settlement using PEXA. Fees are applied as charged by PEXA

• Registration Fee (Event), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we register any documents in relation to a security.

• Law Stationers Fee (Event), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when a third party agent acts for or otherwise assists us in relation to (including when we request information in respect of a security or any other matter in connection with) your contract with us or a security.

• Redraw Over-the-counter Fee (Withdrawal), Amount: Not Listed.. Additional Information: Each time you re-borrow money by making written application to any branch of Greater Bank Ltd.

• Information Fee - Per Page (Enquiry), Amount: Not Listed.. Additional Information: Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).

• Default Notice Fee (Late Payment), Amount: Not Listed.. Additional Information: Payable when we send you a notice informing you of a default under this contract

• Mortgage Insurance Premium Fee (Upfront), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. The amount charged by our mortgage insurer for a lenders mortgage insurance policy.

• Administration Fee (Variation), Amount: Not Listed.. Additional Information: Payable when we consent to any subdivision, lease, discharge, partial discharge, change of name, release of a Security, changing a policy of lenders mortgage insurance, creation of subsequent Security Interest or any dealing in relation to a Security.

• Bank Transfer Fee (Withdrawal), Amount: Not Listed.. Additional Information: Applicable when receiving an inward RTGS (Real time gross settlement)

• Conversion Fee - Switch To A Basic/great Rate Or Ultimate Home Loan (Variation), Amount: Not Listed.. Additional Information: $500 fee payable when you ask us to switch your loan to a Basic/Great Rate or Ultimate Home Loan. If more than one loan is being converted each additional loan converted at the same time will attract a reduced fee of $250.

• Annual Package Fee (Periodic), Amount: Not Listed..

• Easypay Notification Fee - Letter (Withdrawal), Amount: Not Listed..

• Information Fee (Enquiry), Amount: Not Listed.. Additional Information: $20.00 plus $1.00 per page copied. Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).

• Sms Alert Fee (Transaction), Amount: Not Listed.. Additional Information: Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.

• Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: $500.00 based on one security plus $250.00 for each additional security. For each additional amount approved during the loan term, $350.00 based on one security plus $250.00 for each additional security.

• Prepayment Fee (Payment), Amount: Not Listed.. Additional Information: The prepayment fee is charged if we estimate we will make an economic loss as a result of extra repayments during a fixed rate term.

• Guarantee Fee (Upfront), Amount: Not Listed.. Additional Information: Payable for each guarantee provided

• Mercantile Agents Fee (Event), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security.

• Settlement Processing Fee (Upfront), Amount: Not Listed.. Additional Information: Payable for costs we incur in arranging settlement of the loan

• Foreign Currency Deposit Fee (Deposit), Amount: Not Listed..

• Default Administration Fee (Late Payment), Amount: Not Listed.. Additional Information: In default by an amount that is less than 2 repayments $20.00, otherwise $50.00.

• Break Costs (Exit), Amount: Not Listed.. Additional Information: A break cost fee will be charged if we estimate we will make an economic loss as a result of the payout or a break from the fixed term

• Legal Fee (Event), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or conveyancer for acting for us in relation to this loan

• Government Charges (Event), Amount: Not Listed.. Additional Information: Charges will be variable, calculated if and when applicable. These charges include Withholding Tax, Registration Fees on security documents and Stamp Duty. For Contracts Regulated by the National Credit Code, the only fees and charges that are payable are those set out in that contract (as varied from time to time).

• Title Insurance Premium (Upfront), Amount: Not Listed.. Additional Information: Fee amount will be variable, calculated if and when applicable. The amount charged by our title insurer for a lenders title insurance policy.

 Limitations & Restrictions (Constraints)

• Min Limit of 30000.00

• Max Lvr of 0.95 Additional Information: Maximum LVR for Principal and Interest loans.