|
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;5 $500
|
|
|
Institution |
Product Name |
Initial Fees |
Service Fee |
Exit Fees |
 |
| Applic. |
Applic. Discounts |
Valuat. |
Legal |
Settle |
Exit |
Early Repay |
| B&E Ltd |
FlexiChoice Variable Rate Loan
|
$650
|
|
$0
|
$0
|
$0
|
$8/mth
|
$350
|
$400.00 if loan repaid in full within 3 years of commencement.
|
|
| 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
|
|
| BankWest |
Mortgage Shredder
|
$700
|
|
$0
|
$0
|
$0
|
$15/mth
|
$0
|
|
|
| Bendigo Bank |
Bendigo Green Home Loan
|
$150
|
|
$205
|
$295
|
$80
|
$0
|
$0
|
|
|
| Bendigo Bank |
Residential Variable Loan
|
$150
|
|
$205
|
$295
|
$80
|
$8/mth
|
$30
|
|
|
| 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
|
$
|
|
|
| Ford Co operative Credit Union |
Value Plus Home Loan
|
$0
|
|
$220
|
$265
|
$275
|
$0
|
$250
|
$700 ***or*** 1% whichever is the lesser
|
|
| 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.
|
|
|
Institution |
Product Name |
Initial Fees |
Service Fee |
Exit Fees |
 |
| Applic. |
Applic. Discounts |
Valuat. |
Legal |
Settle |
Exit |
Early Repay |
| 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 |
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
|
|
| 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%
|
|
| MyState Financial |
Alternative Loan
|
$250
|
|
$0
|
$0
|
$0
|
$0
|
$0
|
$750 up to 5 years
|
|
| MyState Financial |
Land Loan
|
$600
|
|
$247.5
|
$0
|
$102.5
|
$0
|
$0
|
|
|
| MyState Financial |
Residential Investment Loan
|
$600
|
|
$247.5
|
$0
|
$102.5
|
$0
|
$0
|
|
|
| MyState Financial |
Standard Variable Home Loan
|
$600
|
|
$247.5
|
$0
|
$102.5
|
$0
|
$0
|
|
|
|
Institution |
Product Name |
Initial Fees |
Service Fee |
Exit Fees |
 |
| Applic. |
Applic. Discounts |
Valuat. |
Legal |
Settle |
Exit |
Early Repay |
| 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.
|
|
St. George Bank |
St. George No Deposit Home Loan Quick Start
|
$750
|
|
$0
|
$0
|
$100
|
$12/mth
|
$500
|
1.75% of balance at time of discharge if discharged within 4 years of the first drawdown.
|
|
St. George Bank |
St.George No Deposit Home Loan LEF
|
$750
|
|
$0
|
$0
|
$100
|
$12/mth
|
$500
|
1.75% of balance at time of discharge if discharged within 4 years of the first drawdown.
|
|
St. George Bank |
Variable Loan
|
$600
|
|
$0
|
$0
|
$100
|
$10/mth
|
$500
|
n/a
|
|
| 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
|
|