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Standard contract terms for Residential or Term Loan apply and are available here . Credit Fees and Charges may apply, and are available here Rates, fees and charges are subject to change. Lending Eligibility Criteria and special conditions may apply. + Residential Investing floating rate is 0.50% above the standard rate
Standard contract terms for either Residential or Residential Investing Transactional Facilities apply and are available here . Credit Fees and Charges may apply, and are available here Rates, fees and charges are subject to change. Lending Eligibility Criteria and special conditions may apply.
| Term | Standard Rates P.A.* | Special Rates P.A** | Low Equity Rates P.A*** |
|---|---|---|---|
| Floating+ | 5.79% | 5.79% | |
| 6 months | 5.25% | 4.99% | 5.75% |
| 12 months | 4.85% | 3.78% | 5.35% |
| 18 months | 5.15% | 3.78% | 5.65% |
| 24 months | 5.05% | 3.78% | 5.55% |
Rates, fees and charges are subject to change. Lending Eligibility Criteria and special conditions may apply. Specific account opening criteria, The prevailing lending rate on the day of settlement will apply. These Fixed lending rates can be booked, ask for more details. If the fixed rate for that term is not available, the current floating rate will apply. * These rates are only available for Residential and Residential Investing Lending with either a minimum of 20% equity (or greater when Residential Investing lending restrictions apply). Welcome Home Loan, or lending where QBE lenders mortgage insurance applies. ** Rates are subject to change without notice. These rates can be booked with a $250 Booked Fixed Rate fee, terms and conditions may apply. These rates are only available for Residential and Residential Investing lending with a minimum of 20% equity (or greater when Residential Investing lending restrictions apply), Welcome Home Loan, or lending where lenders mortgage insurance applies. Available to members with any level of existing lending with City West Union or requires new lending of at least $100,000. Not available with commercial or rural loans. Requires primary source of income paid into a City West Union transactional account. *** These rates are available for new Residential and Residential Investing Lending with equity less than 20% or 35% equity for Residential Investing. **** In the event of a default in payment on your loan and while the default continues you must pay interest at the Default Interest Rate on the overdue amount. City West Union may apply an additional margin to advertised interest rates (which would increase the applicable interest rate) for specific borrowers or a specific class of borrowers. Any additional margin is determined by City West Union and is based on various risk factors, including the borrower type and risk profile, the loan type, the term of the loan, the value and nature of the security, the loan-to-value ratio, debt serviceability and various other risk related criteria.
| Term | Rates P.A.* |
|---|---|
| Residential Floating Rate | 5.79% |
| Residential Investing Floating Rate | 6.29% |
