Our fees and charges

Valuation fee* - If a valuation is needed, this fee is charged per property and covers some of our cost.

$200

Settlement Fee - Payable at settlement, this fee covers some of the costs associated with establishing and settling your home loan.

$250

Agent fee - Payable at or before settlement if our external solicitors are required to instruct an agent to conduct settlement (e.g. if in a rural area)

$110

Member Package fee - Payable if you choose to purchase a Member Package, at settlement, and on each anniversary.

$395

Lender's Mortgage Insurance (LMI) - Payable when the loan amount is greater than 80% of the property's value.

Cost varies

Government fees and charges

Differ by state

Rate lock fee - Payable if you elect to lock in a fixed interest rate.

$500

*This does not apply if you have a Member Package.

Top up fee* - Payable when you top-up your home loan.

$250

Search fees - It may be necessary to conduct title or instrument searches or property enquiries. If so, you must pay us at or before settlement the actual cost incurred for such searches or enquiries.

Differ by state

Security substitution fee - Payable if we approve a request to substitute the security property for another property.

$350

Valuation fee* - If a valuation is needed, this fee is charged per property and covers some of our cost.

$200

Subdivision approval valuation fee

Cost varies

Government fees and charges

As applicable per state

Lender's Mortgage Insurance (LMI) - Payable when the loan amount is greater than 80% of the property's value.

Cost varies

Bank cheque fee - Payable if we provide you with a bank cheque, repurchase a bank cheque or replace a bank cheque.

$10

Consent to a dealing fee - Payable when we consent to a dealing with a property.

$250

Productions of title fee

$250

Telegraphic transfer fee - Payable when you request us to make a payment for you via Telegraphic Transfer.

$30

Progress payment fee - Payable on construction loans for each progress payment made.

$75

Arrears fee – Payable on the fifth day after: a loan facility has missed a scheduled payment and fallen into arrears, and/or; each month (or every four weeks if your payment frequency is weekly or fortnightly) that the loan remains in arrears.

$25

Security discharge preparation fee - This is made up of a $245 ME discharge fee per property and a $105 Solicitor’s discharge fee per property title.

$350

Prepayment fee - Payable if we incur a loss due to the early termination of a fixed interest rate period.

As per quote

*This does not apply if you have a Member Package.

Valuation fee - If a valuation is needed, this fee is charged per property and covers some of our cost.

$200

Agent fee - Payable at or before settlement if our external solicitors are required to instruct an agent to conduct settlement (e.g. if in a rural area).

$110

Government fees and charges

May apply by state

Settlement Fee - Payable at settlement, this fee covers some of the costs associated with establishing and settling your home loan.

$250

Search fees - It may be necessary to conduct title or instrument searches or property enquiries. If so, you must pay us at or before settlement the actual cost incurred for such searches or enquiries.

Differ by state

Lenders mortgage insurance - Payable when the loan amount is greater than 80% of the property's value.

Cost varies

Top up fee - Payable when you top-up your home loan.

$250

Consent to a dealing fee - Payable when we consent to a dealing with a property.

$250

Security substitution fee - Payable if we approve a request to substitute the security property for another property.

$350

Valuation fee - If a valuation is needed, this fee is charged per property and covers some of our cost.

$200

Lender's Mortgage Insurance (LMI) - Payable when the loan amount is greater than 80% of the property's value.

Cost varies

Government fees and charges

As applicable per state

Subdivision approval valuation fee

Cost varies

Bank cheque fee - Payable if we provide you with a bank cheque, repurchase a bank cheque or replace a bank cheque.

$10

Telegraphic transfer fee - Payable when you request us to make a payment for you via Telegraphic Transfer.

$30

Productions of title fee - Payable to produce the title to the security property.

$250

Arrears fee – Payable on the fifth day after: a loan facility has missed a scheduled payment and fallen into arrears, and/or; each month (or every four weeks if your payment frequency is weekly or fortnightly) that the loan remains in arrears.

$25

Security discharge preparation fee - This is made up of a $245 ME discharge fee per property and a $105 Solicitor’s discharge fee per property title.

$350

Search fees - It may be necessary to conduct title or instrument searches or property enquiries. If so, you must pay us at or before settlement the actual cost incurred for such searches or enquiries.

Differ by state

Subdivision approval valuation fee

Cost varies

Security discharge preparation fee - This is made up of a $245 ME discharge fee per property and a $105 Solicitor’s discharge fee per property title.

$350

Security substitution fee - Payable if we approve a request to substitute the security property for another property.

$350

Valuation fee* - If a valuation is needed, this fee is charged per property and covers some of our cost.

$200

Search fees - It may be necessary to conduct title or instrument searches or property enquiries. If so, you must pay us at or before settlement the actual cost incurred for such searches or enquiries.

Differs by state

Government fees and charges

As applicable per state

Lender's Mortgage Insurance (LMI) - Payable when the loan amount is greater than 80% of the property's value.

Cost varies

Bank cheque fee - Payable if we provide you with a bank cheque, repurchase a bank cheque or replace a bank cheque.

$10

Prepayment fee - Payable if we incur a loss due to the early termination of a fixed interest rate period.

As per quote

Productions of title fee

$250

Telegraphic transfer fee - Payable when you request us to make a payment for you via Telegraphic Transfer.

$30

Consent to a dealing fee - Payable when we consent to a dealing with a property.

$250

Arrears fee – Payable on the fifth day after: a loan facility has missed a scheduled payment and fallen into arrears, and/or; each month (or every four weeks if your payment frequency is weekly or fortnightly) that the loan remains in arrears.

$25

Subdivision approval valuation fee

Cost varies

Consent to a dealing fee - Payable when we consent to a dealing with a property.

$250

Security substitution fee - Payable if we approve a request to substitute the security property for another property.

$350

Valuation fee* - If a valuation is needed, this fee is charged per property and covers some of our cost.

$200

Prepayment fee - Payable if we incur a loss due to the early termination of a fixed interest rate period.

As per quote 

Government fees and charges

Differ by state

Lender's Mortgage Insurance (LMI) - Payable when the loan amount is greater than 80% of the property's value.

Cost varies

Bank cheque fee - Payable if we provide you with a bank cheque, repurchase a bank cheque or replace a bank cheque.

$10

Security discharge preparation fee - This is made up of a $245 ME discharge fee per property and a $105 Solicitor’s discharge fee per property title.

$350

Productions of title fee

$250

Telegraphic transfer fee - Payable when you request us to make a payment for you via Telegraphic Transfer.

$30

Search fees - It may be necessary to conduct title or instrument searches or property enquiries. If so, you must pay us at or before settlement the actual cost incurred for such searches or enquiries.

Differ by state

Arrears fee – Payable on the fifth day after: a loan facility has missed a scheduled payment and fallen into arrears, and/or; each month (or every four weeks if your payment frequency is weekly or fortnightly) that the loan remains in arrears.

$25

Dishonour outward (direct entry initiated by another financial institution)

Payable when a direct entry request from another financial institution on your transaction facility is dishonoured.

$10

Overdrawn account

If your Ultimate Offset Account - Transaction Facility account is overdrawn at any time.

$15

International transactions

International ATM withdrawals

$4 per withdrawal

International fee – charged on any foreign currency transaction converted into Australian dollars, payable at the time the currency conversion is made

1.5% per withdrawal

Mastercard cross border fee – charged on transactions where the merchant account is not held in Australia.

0.8%

Cheque fees

Cheque book (50 leaves).

$10

Cheque dishonour – when a cheque written by you is dishonoured due to a lack of cleared funds in your ME account.

$10

Payable when you request us to trace the status of a cheque you complete.

$15

Purchase of a bank cheque (transaction facility only).

$6