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  Premium HL Package Fixed

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 6.43%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 6.48%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.09%, Comparison Rate 6.68%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.29%, Comparison Rate 7.15%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.36%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.36%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.40%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.84%, Comparison Rate 6.61%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.04%, Comparison Rate 7.04%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.32%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.32%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.36%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.84%, Comparison Rate 6.56%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.04%, Comparison Rate 6.96%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.25%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.25%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.64%, Comparison Rate 6.27%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.84%, Comparison Rate 6.47%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.04%, Comparison Rate 6.83%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Digital Banking Additional Information: You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.

• Offset Additional Information: A Mortgage Offset account reduces the amount of interest you pay on your home loan. The amount within this account is offset against your home loan, meaning you only pay interest on the difference. Up to a limit of $20,000.

• Other Additional Information: Make your loan repayments weekly, fortnightly or monthly

• Other Additional Information: Welcoming a new family member to the family can place a pretty big strain on finances so we offer you the option of pausing your home loan repayments to give you some breathing space. ?This allows you to take a break from payments for three months, or halve them for six.?Conditions apply

• Other Additional Information: Our Eco-Pause lets customers take a break from their mortgage repayments and redirect their money to eco upgrades such as solar panels, batteries and water tanks.?With an eco-pause you can pause your repayments for three months or halve them for six. Conditions apply.

• Other Additional Information: We protect an equivalent amount of land on the Bank Australia Conservation Reserve as is being constructed to help offset the environmental impact of land clearing

 Product Eligibility

• Min Age - 18. Additional Information: Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.

• Natural Person Additional Information: Not available for non-personal borrowers.

• Other Additional Information: Applications for loans are subject to the Bank's lending criteria.

• Residency Status - Au. Additional Information: Australian citizen or permanent resident of Australia

 Bank Fees and Charges

• Break Fee (Variable), Amount: Not Listed.. Additional Information: You may be required to pay a break fee if you pay your fixed loan off in full, make an early repayment or make certain other changes to your loan during any fixed period. The fee is calculated at the time of the event and is specifically related to your individual loan. More information is found in the loan fees and charges document.

• Loan Package Fee (Periodic), Amount: 350.00. Additional Information: Annual fee payable on all Premium Package loans. The fee is debited to the loan annually on the anniversary date of funding and is non refundable. Only one annual package fee applies per customer where multiple package loans exist

• Mortgage Discharge Fee (Event), Amount: 350.00. Additional Information: Payable when you discharge the mortgage. Statutory government registration fees will still apply

• Portability Fee- Existing Mortgage (Event), Amount: 150.00. Additional Information: Payable when a property securing a loan is replaced with a property that is already registered with a Bank Australia mortgage.

• Portability Fee- New Mortgage (Event), Amount: 500.00. Additional Information: Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia.

• Valuation Administration Fee (Event), Amount: 250.00. Additional Information: If you request a loan variation, Bank Australia may need to revalue your property before approving the request.

• Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: Payable when you choose to lock in the fixed rate at application. 0.10% of the total fixed loan amount for approved home loan applications (minimum fee $50). This applies to 1, 2, 3 and 5 year Fixed Rate home loans only and is a non-refundable fee.

• Loan Variation Fee (Event), Amount: 150.00. Additional Information: Payable when transferring from a home loan product to a different home loan product. For example, transferring a variable rate product to a fixed rate product.

• Additional Valuation (Event), Amount: 150.00. Additional Information: The establishment fee covers a standard loan, which includes one valuation. This fee applies for any additional standard residential valuation required.

 Limitations & Restrictions (Constraints)

• Min Limit of 10000.00