First Home Premium Package

Our all in one package for first home buyers makes it easy, plus you can save when you combine a home loan, credit card and transaction account. Available for Owner Occupiers only.

No establishment fee
No valuation fee
No monthly service fee on transaction account
No annual fee credit card for the first year
Borrow up to 100% of the purchase price of the property, plus additional associated costs with our family guarantor option
100% offset account
Redraw available⁵
Unlimited extra repayments
Up to 40 year term available⁴

2.79 % p.a. Interest rate 2.79 % p.a. Comparison rate

Key Features
Calculator

Product Features:

Home Loan Features
Minimum loan amount :	No minimum
Maximum LVR :	Up to 80% or 95% with Lenders Mortgage Insurance
Maximum loan term :	Up to 40 years
Interest charges :	Calculated daily, debited monthly
Repayment type :	Principal & Interest
Repayment frequency :	Principal & Interest - weekly, fortnightly or monthly repayments allowed
Application fee :	$0
Monthly loan fee :	$0
Package fee :	$375 p.a. charged annually in arrears to the transaction account
Extra repayments :	Unlimited
Interest offset :	Yes
Redraw :	Yes
In principle approval :	Yes
Lenders' Mortgage Insurance :	Yes, for LVRs over 80%
Loan preparation fees :	Refer to Fees & Charges brochure for current fees applicable
Increase/top up :	Yes
Second mortgage security :	Yes
Vacant land as sole security :	Yes

Additional Information

We're ready to help you

CPSU Victoria's inaugural Women of Colour Conference

Supporting Knox Diwali Mela 2019

Footnotes:

¹ Eligibility criteria, terms & conditions and fees & charges apply. Maximum loan to valuation ratio 80% without Lender’s Mortgage Insurance. Available for new First Home Premium Package home loans from 2nd October 2019 and for existing First Home Premium Package home loans from 1st November 2019.
² Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
⁴ Available when one or more applicants are aged 30 years or less.
⁵ Minimum redraw amount of $100 and $30 service fee applies.

Product Features:

Home Loan Features

We're ready to help you

CPSU Victoria's inaugural Women of Colour Conference

Supporting Knox Diwali Mela 2019

Footnotes: