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  Discounted Great Rate Home Loan - Variable Owner Occupied

 General Lending Rates

 Product Features

• Redraw Additional Information: Fee free redraw via Online Banking. $30 fee for over the counter redraw.

• Digital Banking

• Notifications Additional Information: Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)

• Cashback Offer Additional Information: Switching to Greater Bank could score you up to $2,500 cashback. Applicable for eligible owner occupied and investment home loans. $2,000 cashback for loans ≥$250,000 with LVR of less than or equal to 80%, or $2,500 cashback for loans ≥$500,000 with LVR of less than or equal to 80%. Only one (1) Cashback Payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions. Terms, conditions, fees, charges and credit criteria apply.

• Extra Repayments

• Guarantor

• Cashback Offer Additional Information: First Home Buyer offer for eligible loans used wholly or predominantly to purchase a residentially secured owner occupied loan. Under the Offer, the following payment will be paid to the Eligible Borrwer(s), subject to the terms and conditions: a. A cashback payment of $2,500 for applications greater than $250,000 with a Loan to Value Ratio (LVR) of equal to or less than 95%.

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Residents Only.

• Natural Person

• Other Additional Information: Must be identifiable in terms of legislative requirements. Lending criteria apply.

 Bank Fees and Charges

• Information Fee (Event), Amount: 20.00. Additional Information: $20.00 plus $1.00 per page copied. Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).

• Information Fee - Per Page (Event), Amount: 1.00. Additional Information: Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).

• Bank Transfer Fee (Transaction), Amount: 8.00. Additional Information: When any amount is debited or credited to a bank account in our name as a result of which it is necessary for us to debit or credit monies to your loan

• Foreign Currency Deposit Fee (Deposit), Amount: 5.00.

• Sms Alert Fee (Transaction), Amount: 0.20. Additional Information: Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.

• Easypay Notification Fee - Letter (Event), Amount: 8.00.

• Redraw Over-the-counter Fee (Withdrawal), Amount: 30.00. Additional Information: Each time you re-borrow money by making written application to any branch of Greater Bank Ltd.

• Redraw Online Banking Fee (Withdrawal), Amount: 0.00. Additional Information: Online redraw transactions do not attract a fee.

• Establishment Fee (Upfront), Amount: 500.00. Additional Information: $500.00 based on one security plus $250.00 for each additional security. For each additional amount approved during the loan term, $350.00 based on one security plus $250.00 for each additional security.

• Administration Fee (Event), Amount: 350.00. Additional Information: Payable when we consent to any subdivision, lease, discharge, partial discharge, change of name, release of a Security, changing a policy of lenders mortgage insurance, creation of subsequent Security Interest or any dealing in relation to a Security.

• Conversion Fee - Switch To A Basic/great Rate Or Ultimate Home Loan (Event), Amount: 500.00. Additional Information: $500 fee payable when you ask us to switch your loan to a Basic/Great Rate or Ultimate Home Loan. If more than one loan is being converted each additional loan converted at the same time will attract a reduced fee of $250.

• Conversion Fee - Switch To Any Other Loan Type (Event), Amount: 350.00. Additional Information: $350 to convert, for example between a variable to a fixed loan or between principal & interest to interest only. If more than one loan is being converted at the same time each additional loan converted will attract a reduced fee of $250.

• Construction Loan Draw Down Fee (Withdrawal), Amount: 80.00. Additional Information: Payable when we make a progress payment pursuant to your loan contract

• Default Administration Fee (Event), Amount: 50.00. Additional Information: In default by an amount that is less than 2 repayments $20.00, otherwise $50.00.

• Default Notice Fee (Event), Amount: 50.00. Additional Information: Payable when we send you a notice informing you of a default under this contract

• Discharge Administration Fee (Exit), Amount: 300.00. Additional Information: A Discharge Administration fee is payable when you request us to close your loan account, or produce title deeds at settlement. If Greater Bank incurs any costs associated when doing this, the cost will also be passed on to you.

• Government Charges (Variable), Amount: 0.00. Additional Information: Charges will be variable, calculated if and when applicable. These charges include Withholding Tax, Registration Fees on security documents and Stamp Duty. For Contracts Regulated by the National Credit Code, the only fees and charges that are payable are those set out in that contract (as varied from time to time).

• Guarantee Fee (Upfront), Amount: 200.00. Additional Information: Payable for each guarantee provided

• Law Stationers Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when a third party agent acts for or otherwise assists us in relation to (including when we request information in respect of a security or any other matter in connection with) your contract with us or a security.

• Legal Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or conveyancer for acting for us in relation to this loan

• Mercantile Agents Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security.

• Mortgage Insurance Premium Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. The amount charged by our mortgage insurer for a lenders mortgage insurance policy.

• Progress Inspection Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we arrange for a progress inspection to be performed.

• Registration Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we register any documents in relation to a security.

• Property Exchange Australia (pexa) Transaction Fee (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. Payable when we have to register any documents in relation to a security using PEXA, request information using PEXA, or we process a financial settlement using PEXA. Fees are applied as charged by PEXA

• Settlement Processing Fee (Upfront), Amount: 180.00. Additional Information: Payable for costs we incur in arranging settlement of the loan

• Title Insurance Premium (Variable), Amount: 0.00. Additional Information: Fee amount will be variable, calculated if and when applicable. The amount charged by our title insurer for a lenders title insurance policy.

• Easypay Notification Fee - Sms (Event), Amount: 0.20.

 Limitations & Restrictions (Constraints)

• Min Limit of 150000.00