SA STANDARD VARIABLE FEES (OWNER OCCUPIED)

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Institution Product Name Initial Fees Service Fee Exit Fees
Applic. Applic. Discounts Valuat. Legal Settle Exit Early Repay
Westpac Banking Corporation Premier Advantage Package ($150,000-$249,999)(Pro Pack)
 $0
$0
 $0
 $0
 $395/yr
 $250
 A Deferred Establishment Fee of $900 is payable if a loan is repayed in full within 4 years.
Westpac Banking Corporation Premier Advantage Package ($250,000 plus)(Pro Pack)
 $0
$0
 $0
 $0
 $395/yr
 $
 A Deferred Establishment Fee of $900 is payable if a loan is repayed in full within 4 years.
Westpac Banking Corporation Premium Option Home Loan
 $600
$0
 $0
 $0
 $8/mth
 $250
 A Deferred Establishment Fee of $900 is payable if a customer closes their loan within 4 years of origination.
Westpac Banking Corporation Rocket Repay Home Loan
 $600
$0
 $0
 $0
 $199/yr
 $250
 A Deferred Establishment Fee of $900 is payable if a customer closes their loan within 4 years of origination
Adelaide Bank Standard Variable
 $595
$0
 $0
 $100
 $10/mth
 $325
 0-12 months - 0.75% 13-24 months - 0.53%25-36 months - 0.35% 37-48 months - 0.18%of loan amount at contract date.
Adelaide Bank Variable SmartFit
 $595
$0
 $0
 $100
 $10/mth
 $325
 Deferred Establishment Fee applies if loan is discharged within 4 years of settlement
AIMS Home Loans Complete Variable Home Loan
 $660
$0
 $0
 $0
 $0
 $300
 0-3yrs = 2 payments4-5yrs = 1 payments
AIMS Home Loans Gold Standard Variable Home Loan
 $660
$0
 $0
 $0
 $0
 $330
 0-5yrs=2x mthly repayments
AMP Banking Classic Variable Rate Loan
 $350
$0
 $295
 $250
 $10/mth
 $350
 $1,000 Deferred Establishment Fee within 4 yrs
AMP Banking Professional Package Variable Rate loan ($1,500,000+)(Pro Pack)
 $0
$0
 $295
 $250
 $349/yr
 $350
 $1,000 Deferred Establishment Fee within 4 yrs
AMP Banking Professional Package Variable Rate Loan ($100,000-$249,999)(Pro Pack)
 $350
$0
 $295
 $250
 $349/yr
 $350
 $1,000 Deferred Establishment Fee with 4 yrs
AMP Banking Professional Package Variable Rate Loan ($250,000 - $749,999) (Pro Pack)
 $350
$0
 $295
 $250
 $349/yr
 $350
 $1,000 Deferred Establishment Fee with 4 yrs
AMP Banking Professional Package Variable Rate Loan ($750,000+)(Pro Pack)
 $350
$0
 $295
 $250
 $349/yr
 $350
 $1,000 Deferred Establishment Fee with 4 yrs
ANZ Bank ANZ Breakfree Home Loan Package ($150,000-$249,999)
 $0
$0
 $0
 $0
 $340/yr
 $
 A fee applies if loan repaid/refinanced within 4 yrs, but no fee applies if customer has another home loan of $150K plus
ANZ Bank ANZ Breakfree Home Loan Package ($250,000-$699,999)
 $0
$0
 $0
 $0
 $340/yr
 $
 A fee applies if loan repaid/refinanced within 4 years, but no fee applies if customer has another home loan with $150K or more
Institution Product Name Initial Fees Service Fee Exit Fees
Applic. Applic. Discounts Valuat. Legal Settle Exit Early Repay
ANZ Bank ANZ Breakfree Home Loan Package ($700,000 plus)
 $0
$0
 $0
 $0
 $340/yr
 $
 A fee applies if loan repaid/refinanced within 4 years, but no fee applies if customer has another home loan of $150K plus
ANZ Bank ANZ Standard Variable Loan
 $600
$0
 $0
 $0
 $5/mth
 $160
 $700 if repaid/refinananced within 4 years, but no fee applies if customer has anothe home loan of $150K plus
Aussie Aussie Classic LVR 70.01% - 80%
 $500
$0
 $0
 $100
 $0
 $215
 Years 1 - 5 $500 plus fixed dollar cost
Aussie Aussie Classic LVR 80.01% - 90%
 $500
$0
 $0
 $100
 $0
 $215
 Years 1-5 $500 plus fixed dollar cost
Aussie Aussie Classic Plus ($350,000 - $499,999) (LVR < = 60%)
 $250
$0
 $0
 $100
 $15/mth
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus ($350,000 - $499,999) LVR 70.01% - 80%
 $250
$0
 $0
 $100
 $0
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus ($350,000 - $499,999) LVR 80% - 90%
 $250
$0
 $0
 $100
 $0
 $215
 Years 1 -5 $965
Aussie Aussie Classic Plus ($350,000 - $499,999) LVR 90% - 95%
 $250
$0
 $0
 $100
 $15/mth
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus (> $500,000) LVR 70.01% - 80%
 $250
$0
 $0
 $100
 $15/mth
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus (> $500,000) LVR 80% - 90%
 $250
$0
 $0
 $100
 $15/mth
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus (> $500,000) LVR 90% - 95%
 $250
$0
 $0
 $100
 $15/mth
 $
 Years 1 - 5 $965
Aussie Aussie Classic Plus (>=$500,000) (LVR <=60%)
 $250
$0
 $0
 $100
 $0
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus (>=$500,000) (LVR <=70%)
 $250
$0
 $0
 $100
 $15/mth
 $215
 Years 1 - 5 $965
Aussie Aussie Classic Plus Variable
 $250
$0
 $0
 $100
 $15/mth
 $215
 Years 1-5 $750
Aussie Aussie Standard Variable
 $300
$200
 $0
 $75
 $0
 $215
 Year 1 $2000, Year 2 $1500, Year 3 $1000, Year 4&amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;amp;5 $500
Institution Product Name Initial Fees Service Fee Exit Fees
Applic. Applic. Discounts Valuat. Legal Settle Exit Early Repay
Australian Central Credit Union Standard Variable Rate Home Loan
 $650
$0
 $0
 $200
 $0
 $
Bank of Queensland Standard Variable
 $495
$0
 $0
 $100
 $10/mth
 $250
 0.5% of original loan amount is paid out within first 4 years
Bank of South Australia No Deposit Home Loan - Flexible Deposit Option
 $750
$0
 $0
 $100
 $12/mth
 $500
 1.75% of the balance owing on loan account at date of repayment if discharged before the fourth anniversary of the settlement date
Bank of South Australia No Deposit Home Loan - Loan Extension Fee Option
 $750
$0
 $0
 $100
 $12/mth
 $500
 1.50% of the balance owing on the loan account at the date of repayment if the loan is discharged before the third anniversary of the settlement date
Bank of South Australia No Deposit Home Loan - Quick Start Option
 $750
$0
 $0
 $100
 $12
 $500
 1.75% of the balance owing on the loan account at the date of repayment if the loan is discharged before the fourth anniversary of the settlement date
Bank of South Australia Standard Variable Home Loan
 $600
$0
 $0
 $100
 $10/mth
 $500
 If standard variable rate is discounted and the loan is repaid within 3 years a $1000 fee is payable
BankWest Mortgage Shredder
 $700
$0
 $0
 $0
 $15/mth
 $0
BMC Mortgage Corp Home Loan - Standard Variable
 $660
$0
 $0
 $0
 $0
 $0
 1 monthly repayments based on approved limit for first 5 yrs on loan
Citibank Standard Variable
 $399
$0
 $0
 $250
 $8/mth
 $300
 Year 1: $1,500 Year 2: $1,200 Year 3: $1,000
Citibank Standard Variable Offset
 $399
$0
 $0
 $250
 $8/mth
 $300
 Year 1: $1,500 Year 2: $1,200 Year 3: $1,000
Commonwealth Bank Complete Home Loan Standard
$600
$0
 $0
 $100
 $8/mth
 $0
 A DEF may apply if your home loan starts at a guaranteed or discounted interest rate and you repay the loan within four (4) years from the Funding Date. $700
Commonwealth Bank Wealth Package ($150,000-$350,000)
 $0
$0
 $0
 $100
 $350/yr
 $
Commonwealth Bank Wealth Package ($350,000-$750,000)
 $0
$0
 $0
 $100
 $350/yr
 $
Commonwealth Bank Wealth Package ($750,000 plus)
 $0
$0
 $0
 $100
 $350/yr
 $
Community CPS Australia Home & Investment Loan
 $445
$0
 $0
 $150
 $0
 $0
Institution Product Name Initial Fees Service Fee Exit Fees
Applic. Applic. Discounts Valuat. Legal Settle Exit Early Repay
Community CPS Australia Parent Equity Home Loan
 $445
$0
 $150
 $150
 $0
 $0
Community CPS Australia Pinnacle +Plus Home & Investment Loan
 $0
$0
 $0
 $150
 $0
 $0
 Recovery of discounted margin if loan is refinanced within 3 years of drawdown.
Ford Co operative Credit Union Value Plus Home Loan
 $0
$220
 $265
 $275
 $0
 $250
 $700 ***or*** 1% whichever is the lesser
Homeloans Ltd Balanced Loan Special Variable
$499
$0
 $230
 $65
 $0
 $711
 0 - 12 mths 1.25%; 13 - 24 mths 0.94%; 25 - 36 mths 0.625%; 37 - 48 mths 0.31%
Homeloans Ltd Easy Saver
$499
$0
 $375
 $65
 $0
 $495
 Yes, if discharged within 5 years, breakdown as follows: Year 1: 1.75%; Year 2: 1.50%; Year 3: 1.50%; Year 4: 1.25%; Year 5: 1.00%
Homeloans Ltd Homeloans Premium Full Doc
 $65
$0
 $300
 $0
 $0
 $545
 1.5 x notional repayment is payable where the loan facility is fully repaid within 5 years ofsettlement. The notional repayment is defined as the calculation of a monthly repayment assuming that the loan is fully drawn.
Homeloans Ltd Homeloans Premium Saver
 $65
$0
 $300
 $0
 $330/yr
 $545
 2.5 x notional repayment is payable where the loan facility is fully repaid within 5 years of settlement
Homeloans Ltd Smart Saver
 $564
$0
 $350
 $75
 $0
 $678
 0 - 12 mths: 1.20%; 13 - 24 mths: 1.00%; 25 - 36 mths: 0.80%; 37 - 48 mths: 0.60%; 49 - 60 0.40% of approval amount
HomeSide Lending Homeside HomePlus
 $600
$0
 $0
 $0
 $10/mth
 $0
 Early Exit Fee - $1200 payable if the loan is paid out within 4 years of drawdown.
HomeSide Lending Homeside HomePlus Interest Only Loan (Variable)
 $600
$0
 $0
 $0
 $10/mth
 $0
 Early Exit Fee - $1200 payable if the loan is paid out within 4 years of drawdown.
HomeSide Lending Homeside Offset Home Loan
 $600
$0
 $0
 $0
 $8/mth
 $0
 Early Exit Fee - $1200 payable if the loan is paid out within 4 years of drawdown.
HomeSide Lending Homeside Reducible Mortgage - Standard Variable
 $600
$0
 $0
 $0
 $6/mth
 $0
 Early Exit Fee - $1200 payable if the loan is paid out within 4 years of drawdown.
HSBC Home Rewards Loan
 $500
$0
 $0
 $150
 $0
 $300
 $1,000 deferred establishment fee if the loan is repaid within four years
HSBC Variable Home Smart
 $500
$0
 $0
 $150
 $0
 $300
 $1000 Deferred Establishment fee if Loan is repaid within 3 years
HSBC Variable Loan
 $500
$0
 $0
 $150
 $0
 $300
 $1000 Deferred Establishment fee if loan repaid within 3 yrs
Institution Product Name Initial Fees Service Fee Exit Fees
Applic. Applic. Discounts Valuat. Legal Settle Exit Early Repay
ING Direct Mortgage Simplifier
 $0
$0
 $220
 $0
 $0
 $250
 A deferred establishment may apply if you repay the loan within the first 4 years.
Members Equity Bank SMHL Offset
 $0
$0
 $0
 $0
 $0
 $200
 $600 set-up recovery cost payable by customer if loan repaid within five years.
Members Equity Bank SMHL Standard
 $0
$0
 $0
 $0
 $0
 $200
 $600 set-up recovery cost payable by customer if loan repaid within five years.
MyLoan MyWay Advantage Rate Home Loan
 $0
$0
 $0
 $0
 $0
 $250
 Deferred Establishment Fees Year 1: 1.00% of the original loan amount Year 2: 0.80% Year 3: 0.60% Year 4: 0.40% Year 5: 0.20% 6 + years 0.00%
MyRate MyRate.com.au - Advantage Rate Loan
 $0
$0
 $0
 $0
 $0
 $250
 Deferred Establishment Fees Year 1: 1.00% of the original loan amount Year 2: 0.80% Year 3: 0.60% Year 4: 0.40% Year 5: 0.20% 6 + years 0.00%
MyRate MyRate.com.au Advantage Rate Loan (>$600K)
 $0
$0
 $0
 $0
 $0
 $250
 Deferred Establishment Fees Year 1: 1.00% of the original loan amount Year 2: 0.80% Year 3: 0.60% Year 4: 0.40% Year 5: 0.20% 6+ years: 0.00%
MyRate MyRate.com.au Construction Loan
 $0
$0
 $0
 $0
 $0
 $250
 Deferred Establishment Fees Year 1: 1.00% of the original loan amount Year 2: 0.80% Year 3: 0.60% Year 4: 0.40% Year 5: 0.20% 6 + years 0.00%
NAB NAB National Choice Package ($250,000 and above)
 $0
$0
 $0
 $0
 $395/yr
 $900
 $900, payable if the whole of a loan amount is repaid within 4 years from the initial loan drawdown date
NAB NAB Tailored Home Loan - Variable Rate
 $600
$0
 $0
 $0
 $10/mth
 $0
 $900, payable if the whole of a loan amount is repaid within 4 years from the initial loan drawdown date
Nationwide Mortgage First Choice Home Loan
 $0
$240
 $490
 $0
 $0
 $295
 Where the loan repays in full, a Deferred Establishment Fee is payable equivalent to one month's notional repayment.
Nationwide Mortgage Low Deposit Home Loan
 $0
$240
 $490
 $0
 $0
 $295
 Where the loan repays in full, a Deferred Establishment Fee is payable equivalent to one month's notional repayment.
Nationwide Mortgage True Saver Home Loan
 $0
$240
 $490
 $0
 $0
 $295
 Where the loan repays in full, a Deferred Establishment Fee is payable equivalent to one month's notional repayment.
QuickDirect Variable
 $0
$0
 $0
 $0
 $0
 $250
 1% during year 1, 0.8% during year 2, 0.6% during year 3, 0.4% during year 4, 0.2% during year 5
RAMS Home Loans RAMS Standard Variable
 $395
$200
 $0
 $250
 $0
 $295
 1.0% of loan amount if discharged in first 3 years
RESI Mortgage Corporation Complete Home Loan
 $0
$236.5
 $396
 $0
 $0
 $295
 One month notional payment.
Institution Product Name Initial Fees Service Fee Exit Fees
Applic. Applic. Discounts Valuat. Legal Settle Exit Early Repay
Savings & Loans Credit Union Home Loan
 $600
$0
 $0
 $0
 $0
 $250
 Admin Fee $250 and a deferred establishment fee may also apply; if the loan is repaid within the first two years the deferred establishment fee is $1000 and if repaid within the third year a deferred establishment fee of $750 will apply.
Savings & Loans Credit Union Nil End Debt Bridging Loans
 $850
$0
 $0
 $0
 $0
 $250
 $250 Admin fee applies, if loan is refinanced then the deferred establishment fee may apply
Suncorp Standard Variable
 $600
$0
 $0
 $0
 $10/mth
 $250
 A Deferred Establishment Fee applies if the loan is paid out within the first four years. $800 plus the amount of any discount or rebate given on Loan Establishment Fees up to a maximum of $1400