Invest Total Home Loan Package

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 8.00%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.39%, Comparison Rate 7.86%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 8.38%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 7.76%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 7.65%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 8.18%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 8.04%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 8.23%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 8.08%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 7.94%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 7.99%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 7.87%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.04%, Comparison Rate 7.97%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.04%, Comparison Rate 7.90%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.24%, Comparison Rate 6.59%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.34%, Comparison Rate 6.69%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.54%, Comparison Rate 6.89%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.74%, Comparison Rate 7.09%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.74%, Comparison Rate 7.09%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 8.00%, Comparison Rate 8.33%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 8.25%, Comparison Rate 8.58%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

 Product Features

• Complementary Product Discounts

• Digital Banking Additional Information: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.

• Offset Additional Information: Offset optional: Multiple 100% Mortgage Offset Accounts can be linked to the Variable rate. The balance in this account reduces the interest you pay on your mortgage. A minimum $500 balance must be retained in the Offset Account to receive the benefit.

• Other Additional Information: Pre-Approval: 120 day pre-approval so you can search with confidence.

• Other Additional Information: Additional Repayments: make unlimited additional repayments to your loan when on a variable interest rate; or make up to $25,000 p.a. in additional repayments to your loan when in a fixed rate.

• Redraw Additional Information: Redraw payments made in advance at any time through Internet & Mobile Banking free. Minimum redraw amount is $500.

 Product Eligibility

• Employment Status - Lending Criteria, Requirements And Terms And Conditions Apply.

• Min Age - 18. Additional Information: Available for customers aged 18 years and over

• Natural Person

• Other Additional Information: Membership: You must be or become a Beyond Bank Australia member.

• Other Additional Information: Lending criteria applies.

• Other Additional Information: Investment loans available for Parent Equity, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply.

• Other Additional Information: Eligibility: available to new loan applications and to existing borrowers who increase their loan amount by a minimum of $50,000. Conditions apply.

• Residency Status - Australian Citizen. Additional Information: Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.

 Bank Fees and Charges

• Total Home Loan Package Fee (Periodic), Amount: 395.00. Additional Information: This fee is payable by home loan borrowers who have a Total Home Loan Package. The fee is charged annually.

• Reg Of Production Fee - Wa (Upfront), Amount: 105.15.

• Mortgage Loan Establishment Fee (Upfront), Amount: 445.00. Additional Information: This fee is payable on establishment of the loan.

• Mortgage Discharge, Settlement Or Partial Discharge Fee (Event), Amount: 350.00. Additional Information: Payable whenever a mortgage is discharged or partially discharged

• Loan Variation Documentation Fee (Upfront), Amount: 345.00. Additional Information: This fee is payable when a property already held by us as security is to be used as security for additional credit.

• Redraw (staff-assisted) Fee (Transaction), Amount: 35.00. Additional Information: This fee is payable for each staff-assisted redraw.

• Redraw (online) Fee (Transaction), Amount: 0.00. Additional Information: Online redraw via Internet or Mobile Banking is free.

• Default Notice Fee (Event), Amount: 20.00. Additional Information: This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage.

• Reg Of Transfer Fee - Act (Upfront), Amount: 463.00.

• Hold Fixed Interest Rate (Upfront), Amount: Not Listed.. Additional Information: The amount of this fee is 0.15% of the loan amount and is payable should you wish to hold a fixed interest rate from time of loan application to settlement.

• Rate Variation Fee (Event), Amount: 150.00. Additional Information: This fee is payable each time you ask us to vary the type of interest rate (variable to fixed or vice versa) or refix your loan.

• Reg Of Mortgage Fee - Wa (Upfront), Amount: 210.30.

• Reg Of Discharge Fee - Wa (Upfront), Amount: 210.30.

• Mortgage Loan Settlement Fee (a) (Upfront), Amount: 200.00. Additional Information: This fee is payable for a new loan settled.

• Mortgage Loan Settlement Fee (b) (Upfront), Amount: 150.00. Additional Information: This fee is payable for each loan variation or top up settled.

• Reg Of Mortgage Fee - Nsw (Upfront), Amount: 171.70.

• Reg Of Transfer Fee - Nsw (Upfront), Amount: 171.70.

• Reg Of Production Fee - Nsw (Upfront), Amount: 52.90.

• Progress Payment Fee (Upfront), Amount: 20.00. Additional Information: This fee applies to loans for construction purposes and is payable per progress payment we process.

• Security Handling Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable if you ask us to prepare documentation to note a change of your name on the title, or produce your land title.

• Additional Security Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property.

• Search Fee (Upfront), Amount: 35.00. Additional Information: This fee is payable for each search we conduct in relation to a loan or security.

• Default Fee On Home And Investment Loan - On The 8th Day (Event), Amount: 20.00. Additional Information: This fee is payable on the 8th day you are in default.

• Default Fee On Home And Investment Loan - Every 14th Day Thereafter (Event), Amount: 25.00. Additional Information: This fee is payable every 14th day thereafter for so long as you remain in default.

 Limitations & Restrictions (Constraints)

• Max Limit of 2000000.00 Additional Information: The maximum loan amount for each loan under the Total Home Loan Package is $2,000,000.

• Min Limit of 50000.00