Payable to Bendigo and Adelaide Bank Limited when you apply for a new loan.

Payable for the assessment of your home loan application. This fee is payable on the Settlement Date to Qantas Money.

Payable for each property used as security for your loan (excluding properties already mortgaged to us).

Payable to MSA National when you settle for one security property for the preparation of mortgage documentation and settlement and is paid on settlement.

*Note: additional fees may apply in a non-standard transaction.

Payable each calendar month, commencing from the calendar month after the day we first advance any part of the Amount of Credit, until the balance of your Loan Account is repaid in full. This amount is included in your required repayment. Where an application is for more than one loan (e.g. loan splits), this fee is payable per loan account.

Payable each time we draw a bank cheque in connection with your Home Loan:

• when we draw a bank cheque as part of advancing any Amount of Credit, this fee will be paid by being deducted from the Amount of Credit (unless we agree otherwise with you); and
• otherwise, this fee will be debited to your Loan Account when we issue the bank cheque and is payable after that as part of your Loan Account balance.

Payable each time we agree to a redraw request you make through e-banking.

Payable each time we agree to a redraw request you make otherwise than through e-banking.

Payable each time we provide you with a copy of any document we have already provided to you at your request including any statement of account.

Payable each time you are in default. If you are in default because you did not make a repayment when due, the fee will only become payable if the overdue amount is $100 or more. Once payable, the fee continues to be payable every 30 days until you remedy your default.

Payable each time we:

• agree to the following types of changes, at your request, after you have entered into your Contract:
  • increase the Amount of Credit under your Contract to provide for a further advance;
  • change your repayments to increase or decrease the period over which your Home Loan will be repaid (the term of your Home Loan);
  • change the Mortgaged Property that secures your Home Loan;
  • change the amount of your required repayments from Principal and Interest Repayments to Interest Only Repayments, or extend any period during which you are only required to make Interest Only Repayments; or
  • split your Home Loan into more than one Home Loan across more than one Loan Account.
• consent to a mortgage or other security interest in any Mortgaged Property in favour of another person;
• agree to enter into a deed or agreement of priority in relation to any Mortgaged Property; or
• consent to any other dealing with any Mortgaged Property for which you require our consent (including any subdivision or consolidation).

Payable:

• each time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and
• when you repay your Loan Account balance in full.

Payable each time any of the following Break Events occur during a Fixed Rate Period:

• at your request, we agree to change the Annual Percentage Rate under your Contract;
• you repay your Loan Account balance in full; or
• you make an additional repayment (by repaying more than your required repayments under your Contract) where the total of all additional repayments you have made since the start of the Fixed Rate Period or, if later, the anniversary of that date, exceeds $20,000.00.