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The ‘Australian Home’
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| Standard Variable Australian Home Loan | Fixed Rate Australian Home Loan | Freedom Line of Credit | |
|---|---|---|---|
| Annual Package Fee | $396 each year - paid in monthly instalments | ||
| LOAN BENEFITS | |||
| Discounted Loan Interest Rates (PDF, 143KB) (based on initial Total Package borrowings) | $150,000 to $249,999.99 save 0.45% $250,000 to $499,999.99 save 0.50% over $500,000 save 0.60% |
$150,000 to $249,999.99 save 0.10% $250,000 to $499,999.99 save 0.10% over $500,000 save 0.10% |
$150,000 to $249,999.99 save 0.25% $250,000 to $499,999.99 save 0.30% over $500,000 save 0.40% |
| Loan features and benefits | You retain access to all the standard features and benefits available on the above loans. This includes features such as repayment flexibility, redraw, payment holiday, free monthly statements, ‘smartlink’ Internet, Mobile & Phone Banking and Mortgage Muncher 100% offset savings account! | ||
| Application Fee – new loans | Nil (normally $495) | ||
| Monthly Loan Account Fee | Nil (normally $12 per month) | Nil (normally $12 per month) | Nil (normally $10 per month) |
| Application Fee – Additional Loans & Further Advances | $150 (normally $300) |
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| EVERYDAY BANKING BENEFITS | |||
| Monthly Account Fee | Nil – on your Package Today’s Options Account normally $5 a month or Today’s Business Account (normally $8 per month) | ||
| Lower or no Transaction Fees | You will automatically receive free withdrawals via Wide Bay Australia branches, ‘Wide Bay’ and ‘Westpac’ ATM’s, EFTPOS, ‘smartlink’ Internet, Mobile & Phone Banking; BPAY®; personal cheques; direct debits and periodical payments on your Package Today’s Options Account. | ||
| SAVINGS BENEFITS | |||
| Earn higher ‘on-line’ savings interest | Opening a Today’s Options Account with no monthly fee means you can easily link to the Today’s net$aver to earn higher interest on your savings. | ||
| Earn higher interest on standard Term Deposits | You will receive 0.25% higher interest rate on Term Deposits of $500 or more |
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| HOME INSURANCE BENEFITS | |||
| Home Building & Contents Insurance | Save up to 10% on your combined home building and home contents insurance.* |
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| Home Building Insurance | Receive up to 90 days free on your home building insurance.^ | ||
| Home Building or Landlord Insurance | Receive $100 ‘cash back’ on your home building or landlord insurance.~ | ||
| Home Contents Insurance | Receive $50 ‘cash back’ on your home contents insurance.~ | ||
| CAR INSURANCE BENEFITS | |||
| Car Insurance |
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| CREDIT CARD BENEFITS | |||
| Credit Card | Pay no annual fee on your new ‘Rewards’ MasterCard for the first year (normally $99 for Card Services Rewards). Plus you will automatically receive other great card benefits including –
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The Australian Home Package is offered by Wide Bay Australia ABN 40 087 652 060 (Australian Financial Services & Australian Credit Licence: 239686) and is only available to approved applicants through accredited brokers and third party introducers.
Australian Home Package Terms & Conditions (PDF, 77KB)
apply.
Package Benefits are contained in the
Australian Home Package Schedule of Package Benefits. (PDF, 85KB)
.
A Package Fee applies. Unless varied under the Package Terms & Conditions standard Terms & conditions and fees & charges also apply to individual package products.
Home Loans & Lines of Credit:
Wide Bay Australia Ltd ABN 40 087 652 060 (Australian Credit Licence No: 239686) is the credit issuer. This is not an offer to lend - credit assessment criteria, terms and conditions & fees and charge apply - full details on application. Prior to entering into a credit contract with us you should read our Credit Guide (PDF, 74KB). Loans are only available to approved applicants offering security in approved property in Australia.
Transaction, Savings Accounts and Term Deposits:
Today’s Options Account and Today’s net$aver Account are available for personal use only - businesses, companies, body corporate, superannuation funds, family trusts, clubs and non-profit organisations are not eligible. Other fees and charges may apply.
Wide Bay Australia Ltd ABN 40 087 652 060 (AFS Licence No: 239686) is the issuer of this account/these accounts and any non-cash payment facilities that may be used in conjunction with them. To decide if they are appropriate for you please carefully read the booklet 'Your Guide to Wide Bay Australia's Accounts and Banking Services' (PDF, 1004KB)
Insurance:
Insurance covers are available from Wide Bay Australia Ltd ABN 40 087 652 060 (AFSL: 239686) ("Wide Bay Australia Widecover"). In offering this insurance we act as an agent of Allianz Australia Insurance Ltd ABN 15 000 122 850 (AFSL: 234708) ("Allianz") - not as your agent. Allianz is the underwriter of this insurance. To help you make an informed decision about whether to acquire an Allianz insurance product through Wide Bay Australia Widecover you should read our Wide Bay Australia Financial Services Guide (PDF, 187KB)
and the Product Disclosure Statement available for the insurance cover.
We do not provide advice about these policies based on any consideration of your personal objectives, financial situation or needs. To decide if they are right for you please carefully read the relevant Product Disclosure Statement.
* Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to any flood component of the premium (if applicable).
~ Available on new policies only. Not available in conjunction with any other offer. Limit of one ‘cash-back’ for home building or landlord cover, one ‘cash-back’ for home contents cover and 2 ‘cash-backs’ for motor vehicle (driven for personal use only - commercial vehicles excluded) covers per Package.
^ The free cover will apply for 90 days or up to the date of the settlement of your Wide Bay Australia loan contract (whichever is sooner) from the time you accept the offer. After this free period normal premiums will apply. If you withdraw your home loan application or cancel your Mortgage Package, the free cover period will cease on the date of your withdrawal. If your home loan application is declined, the free cover period will cease 5 days, from the date of declinature.
Credit Cards:
Wide Bay Australia MasterCards are supplied by arrangement with Card Services – a division of Citigroup Pty Limited ABN 88 004 325 080 (AFSLN 238098 Australian Credit Licence 238098) ("Citigroup"). Citigroup is the issuer and administrator of Wide Bay Australia MasterCards. Applications must be in the name of individuals. Credit approval of your application is subject to satisfying Citigroup credit criteria including verification of income of over $35,000, Australian residency and your credit history. Wide Bay Australia is not responsible for the credit decision regardless of your acceptance for a Wide Bay Australia mortgage loan. To help you make an informed decision about whether to acquire a Citigroup credit card product through Wide Bay Australia you should read our Credit Card Credit Guide (PDF, 62KB) available at our branches. Upon approval of your application, Citigroup will notify you of how to meet the identification procedure required by law. Terms and conditions, and other fees and charges apply - full details on application
+ International Travel Insurance (Gold Cards only) and Purchase Cover (Silver & Gold Cards) are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640 (AFSL 233507) and Citigroup Pty Ltd and is subject to either Gold Cardholder Terms and Conditions and exclusions contained in the Policy of Insurance. An excess applies to Purchase Cover Insurance.
® Registered to BPAY Pty Ltd (ABN 69 079 137 518)
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Phone 1300 WIDE BAY (1300 943 322)
or visit our » Service Centre » Mobile Version » Site Index » Website Help » Feedback » Website Terms of Use » Privacy Statement (c) 2012 Wide Bay Australia Ltd ABN: 40 087 652 060, Australian Financial Services & Australian Credit Licence: 239686, BSB: 656 400 |
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