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  Ultimate Essentials Fixed

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 7.23%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.99%, Comparison Rate 7.08%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 7.18%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 7.14%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Other Additional Information: First Home Loan Deposit Scheme.

• Other Additional Information: Loan Portability

• Other Additional Information: No application or establishment fees.

• Other Additional Information: No monthly fees.

• Other Additional Information: Split Loan Facility

• Other Additional Information: Fixed rate option available

• Other Additional Information: Home Loan Consultants

• Free Txns Additional Information: No fees for extra repayments.

• Complementary Product Discounts Additional Information: Credit Card

• Complementary Product Discounts Additional Information: Personal Loans

• Bonus Rewards Additional Information: Term Deposits

• Digital Banking Additional Information: Quick and easy online application.

• Complementary Product Discounts Additional Information: Insurance

 Product Eligibility

• Residency Status Additional Information: Australian residents only.

• Min Age Additional Information: 18

• Other - Individuals Must Have Capacity.. Additional Information: Lending criteria.

• Other - Purchase/refinance Owner Occupied Home Improvements Any Worthwhile Purpose.. Additional Information: Purpose

 Bank Fees and Charges

• Arrears Reminder Notice Fee (per Letter) (Event), Amount: 20.00. Additional Information: Payable each time we send you a reminder notice relating to arrears on a loan

• Rate Lock Fee (Upfront), Amount: Not Listed.. Additional Information: When you ask us to lock in a fixed, or guaranteed, rate of interest on a home loan. The amount of this fee is 0.15% of the fixed interest rate loan amount.

• Ultimate Package Annual Fee (Periodic), Amount: 380.00. Additional Information: Payable annually on the anniversary of the date on which the first annual package fee was paid when the loan is linked to the Ultimate Package

• Default Notice (enforcement Notice) (Event), Amount: 20.00. Additional Information: Payable each time we send you a reminder notice relating to a default on a loan

• Break Cost Fee (Event), Amount: 0.00. Additional Information: Payable before expiry of any period when interest rate is fixed on any portion of loan due to loan being repaid, interest becoming variable or default. We calculate the ‘break cost’ using the following formula: Let n = the remaining number of months for which the rate is fixed. Let A = current outstandings. Let P = monthly scheduled payments. Let z = annual fixed interest rate payable monthly. Let y = annual reinvestment rate payable monthly. Let b = (1+y/12)n Let d = (1+z/12)n. Then the Break Value is given by: (A/b)*(d-b)+12P/(byz)*(z(b-1)-y(d-1)).

 Limitations & Restrictions (Constraints)

• Max Balance of Residential Additional Information: Borrow up to 95% of the property value.

• Max Balance of Vacant land/refinance Additional Information: Borrow up to 95% of the property value.