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Loan Interest Rate & Fees Schedule


Home Loans

Annual % Rate
Comparison Rate
 

Owner Occupied Home Loans

Essentials Variable Rate Intro Offer - L3
3.98%
4.43%
2 year discounted rate reverting to EVR
Essentials Variable Rate (EVR) - L3
4.48%
4.52%
Low rate, no frills and no special requirements
Owner Occupied Fixed 1 Year - L1
4.10%
4.89%
12 mth fixed rate reverting to Owner Occupied SVR
Owner Occupied Fixed 2 Year - L1
4.30%
4.85%
24 mth fixed rate reverting to Owner Occupied SVR
Owner Occupied Fixed 3 Year - L1
4.65%
4.88%
36 mth fixed rate reverting to Owner Occupied SVR
Owner Occupied Fixed 4 - 5 years - L1
On Application
N/A
Contact WAW for these rates
12 Month Variable Rate Intro Offer - L1
3.48%
4.79%
1 year discounted variable rate reverting to SVR
Wealth Pack Home Loan - L4
4.33%
4.70%
Low rate with extra benefits - owner occupied home
Standard Variable Rate (SVR) - L1
4.93%
4.97%
Standard Variable Rate for owner occupied properties

Residential Investment Housing Loans

Investment Fixed 1 Year - L2
4.30%
5.27%
12 mth fixed rate reverting to Investment SVR
Investment Fixed 2 Year - L2
4.60%
5.23%
24 mth fixed rate reverting to Investment SVR
Investment Fixed 3 Year - L2
4.95%
5.27%
36 mth fixed rate reverting to Investment SVR
Investment Fixed 4 - 5 years - L2
On Application
N/A
Contact WAW for these rates
12 Month Variable Rate Intro Offer - L2
4.33%
5.23%
1 year discounted variable rate reverting to SVR
Wealth Pack Residential Investment - L5
4.73%
5.07%
Low rate with extra benefits - investment house
Residential Investment Std Variable Rate - L2
5.33%
5.37%
For residential investment properties
NOTE:- Above rates quoted are for Principal & Interest loans. Interest only loans attract an additional 0.15% p.a. over the annual rate quoted. Bridging loans attract an additional 0.50% p.a. over the applicable annual Standard Variable Rate quoted.

Personal Loans

Annual % Rate
Comparison Rate
 

Protected# L41

Fully Secured by term deposit or 1st mortgage
7.03%
8.05%
Fully Secured by vehicle up to 2 yrs old
8.69%
9.72%
Fully Secured by other or vehicle 2 - 5 yrs old
10.89%
11.94%
Unsecured / Part Secured
13.44%
14.50%
Green Initiative
From 7.19%
From 7.51%
For solar installations and green initiative purchases

Unprotected L41

Fully Secured by term deposit or 1st mortgage
9.38%
10.42%
Fully Secured by vehicle up to 2 yrs old
11.04%
12.09%
Fully Secured by other or vehicle 2 - 5 yrs old
13.24%
14.30%
Unsecured / Part Secured
13.79%
14.86%
Green Initiative
From 7.19%
From 8.21%
For solar installations and green initiative purchases

Business/Rural Loans

Annual % Rate
Comparison Rate
 

Business Overdrafts - S3
From 6.93%
N/A
Business/Rural Loan Residentially secured - L46
From 5.93%
N/A
Business/Rural Loan Commercially secured - L48
From 6.93%
N/A

Other Loans

Annual % Rate
Comparison Rate
 
Home Equity Loan
5.18%
N/A
Line of Credit
5.43%
N/A
Secured Personal Overdraft
From 7.03%
N/A
Unsecured Personal Overdraft
From 13.79%
N/A

Credit Cards

Annual % Rate
Cash Advances
Annual % Rate
Purchases
 
MyCard Low Rate MasterCard
21.74%
12.99%
 
MyCard Platinum MasterCard
21.74%
20.24%
 

Loan Establishment Fees

Owner Occupied / Residential Investment
Application Fee
 
$600.00
Increase Fee
 
$300.00
Personal Loans & Overdrafts
Application Fee
 
$150.00
Increase Fee
 
$150.00
Business / Commercial Loans
Application Fee
 
$600.00
Business Overdrafts
Application Fee
 
From $600.00
Business / Commercial Loans or Overdrafts
Increase Fee
 
$300.00
Guarantees
Facility Application Fee
 
$400.00
Each Guarantee
 
$100.00
Half Yearly service fee - 0.50% of facility limit
 
Min. $50.00
Redraw Facility Fee (per redraw)
Redraw
 
$20.00

Other Fees & Charges

Product / Rate Switching
$600.00
Substitution of Property Mortgage
$300.00
Bill of Sale / Goods Mortgage - Registration / Variation
At Cost
Mortgage Insurance
At Cost
Legal Fees, Valuations, Surveys, Settlement Fees
At Cost
Wealth Pack Loans Annual Service Fee
$325.00
Fixed Rate Lock-in Fees
1 yr fixed rate
0.25% of amount borrowed
2 yr fixed rate
0.50% of amount borrowed
3 yr fixed rate
0.75% of amount borrowed
Titles & Related Fees
Discharge of Mortgage
Costs + $400.00
Production or Consideration Fee
Costs + $50.00
Photocopy
$5.00
Title or Final Notice
At Cost
Overdraft Annual Facility Fees
Personal
$25.00
Business < 10,000 limit
$75.00
Business > 10,000 limit
$150.00