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  AFG Alpha

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 6.18%, Comparison Rate 6.29%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.63%, Comparison Rate 6.67%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.63%, Comparison Rate 6.78%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.73%, Comparison Rate 7.77%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.73%, Comparison Rate 7.87%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.33%, Comparison Rate 6.40%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.33%, Comparison Rate 6.51%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.78%, Comparison Rate 6.86%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.78%, Comparison Rate 6.96%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.23%, Comparison Rate 6.67%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.23%, Comparison Rate 6.77%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.73%, Comparison Rate 7.15%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 7.73%, Comparison Rate 7.25%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.33%, Comparison Rate 6.40%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.33%, Comparison Rate 6.51%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.78%, Comparison Rate 6.86%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.78%, Comparison Rate 6.96%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.94%, Comparison Rate 6.16%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.94%, Comparison Rate 6.27%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.08%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.19%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.22%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 6.32%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.26%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.37%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.28%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 6.38%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.28%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.39%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.34%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.44%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.39%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.49%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.44%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.54%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.48%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.58%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.43%, Comparison Rate 6.47%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.43%, Comparison Rate 6.58%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.88%, Comparison Rate 6.92%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.88%, Comparison Rate 7.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.68%, Comparison Rate 6.76%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.68%, Comparison Rate 6.86%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.13%, Comparison Rate 7.21%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.13%, Comparison Rate 7.31%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.74%, Comparison Rate 6.60%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.74%, Comparison Rate 6.70%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.19%, Comparison Rate 7.05%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.19%, Comparison Rate 7.15%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.68%, Comparison Rate 6.76%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.68%, Comparison Rate 6.86%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.13%, Comparison Rate 7.21%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.13%, Comparison Rate 7.31%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.48%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.58%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.48%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.59%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

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

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.59%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.53%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.64%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.54%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.65%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.49%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.59%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.50%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.60%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.64%, Comparison Rate 6.53%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.64%, Comparison Rate 6.63%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.74%, Comparison Rate 6.58%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.74%, Comparison Rate 6.68%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.74%, Comparison Rate 6.60%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.74%, Comparison Rate 6.70%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.43%, Comparison Rate 6.67%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.68%, Comparison Rate 6.92%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

 Product Features

• Redraw Additional Information: Online redraw available

• Offset Additional Information: 100% Offset Account available on Fixed and Variable rate loans

• Other Additional Information: Unlimited additional repayments if variable, up to $20,000 when fixed

• Other Additional Information: Variable or Fixed Rate

 Product Eligibility

• Min Age - 18.

 Bank Fees and Charges

• Subsequent Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Payable for a valuation performed as the result of your request for us to deal with a security after settlement.

• Company Search Fee (Event), Amount: 25.00. Additional Information: Payable each time a company search is required

• Legal Fees For Establishing The loan  (Variable), Amount: Not Listed.. Additional Information: Payable for services including the preparation of the security documents and/or attending to settlement on our behalf and/or conducting all title search enquiries necessary to effect settlement. This fee is payable on the Settlement Date 

• Online Redraw (Event), Amount: 0.00. Additional Information: Payable when you redraw all or part of any repayments made on your loan (minimum $1). Per internet banking withdrawal - free

• Fixed Rate Break Costs (Variable), Amount: Not Listed.. Additional Information: Break costs may be payable in certain circumstances during a fixed rate term, such as: converting to another annual percentage rate; or Prepaying part (currently more than $20,000 p.a) or all of the outstanding loan

• Monthly Administration Fee (no Offset) (Periodic), Amount: 0.00.

• Overdrawn Approval (Event), Amount: 35.00. Additional Information: For all transactions initiated by you or an account operator that we approve and that overdraws your account (charged per day, not per transaction). This fee will not be charged where the bank is notified that all party(ies) to the loan are deceased

• Direct Debit Dishonour Fee (Event), Amount: 10.00. Additional Information: When there are insufficient funds in your account to cover a direct debit, this fee is charged

• Loan Processing Fee - Construction (Upfront), Amount: 775.00.

• Loan Processing Fee (Upfront), Amount: 299.00.

• Additional Processing Fee Per Split Loan (Event), Amount: 0.00.

• Settlement Fee (Upfront), Amount: 199.00.

• Valuation Fee (Variable), Amount: 0.00. Additional Information: Total cost of valuations to be calculated with Bank covering up to $300. If total amount is under $300, the customer will not be required to pay.Any amount over $300 will be paid by the customer.

• Manual Redraw Fee (Event), Amount: 50.00. Additional Information: This fee is charged when you redraw all or part of any repayments made on your loan. (not charged for redraws performed through online banking services)

• Repayment Recalculation Fee (Event), Amount: 50.00. Additional Information: This fee is charged each time you request that we agree to a decrease in your repayments

• Loan Variation Fee - Simple (Event), Amount: 150.00. Additional Information: This fee is charged if you apply for us to: Vary your existing contract, Convert to another annual percentage rate, Agree to a request to a consent or change of borrower details, Release or substitute a security (a discharge administration fee may also be payable)

• Loan Variation Fee - Complex (Event), Amount: 300.00. Additional Information: This fee is charged if you apply for us to • Change your product • Remove a guarantor • Increase your loan • Agree to a sub division

• Discharge Administration Fee (Event), Amount: 325.00.

• Loan Processing Fee - Bridging Loan (Upfront), Amount: 1500.00.

• Loan Processing Fee - Bridging / Construction (Upfront), Amount: 1500.00.

• Offset Admin Fee (Periodic), Amount: 10.00.

• Consent To Lease Fee (Upfront), Amount: 250.00. Additional Information: For Business Line accounts, payable for us to peruse and approve a tenancy agreement where we hold a mortgage over the security.

• Arrears Administration Fee (Event), Amount: 35.00. Additional Information: This fee is debited to your home loan account when you are in arrears. This fee is debited to your home loan account every 28 days thereafter for so long as you remain in arrears. The fee is payable with the next minimum repayment.

• Additional Title Search Fee (Variable), Amount: Not Listed.. Additional Information: Payable per search for any searches of registers or documents that we consider necessary in connection with this contract and/or a security. Types of searches may include, but are not limited to, company, business name, incorporated association and bankruptcy  searches.

 Limitations & Restrictions (Constraints)

• Min Limit of 10.000 Additional Information: Ten Thousand