Payable for the assessment of your home loan application.

Payable for processing of your home loan application and preparing loan documentation.

Incurred at the time of and for the preparation of mortgage documentation and settlement on one property, and is paid at the time of settlement.

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

Payable to the land titles office to register the mortgage or discharge existing securities.

Payable for services including the preparation of the security documents and/or attending to settlement on our behalf and/or conducting all title search enquiries necessary to effect settlement.

Payable each month for each loan with an offset.

Payable when we agree to:

• vary your existing contract or;
• a request to a consent or change of borrower details or;
• convert to another annual percentage rate or;
• release or substitute a security (Discharge administration fee may 
also be applicable)

Payable when we agree to:

• a transfer subject to mortgage or subsequent mortgage or;
• a sub division.

Payable when you redraw all or part of any repayments made on your loan (minimum $1). Redraws can be made at a Bendigo Bank branch (manual withdrawal), as well as via internet or phone banking.

If you pay extra funds into your home loan, you may be able to recalculate your repayments in order to reduce what you need to pay each month. This would effectively clear any ahead amount on your loan. (The extra funds paid into the loan prior to the recalculation would not be available for redraw.)

The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property).

Payable for a valuation performed as the result of your request for us to deal with a security after settlement.

These fees and product offerings are only applicable to existing customers who are making changes to their lending that cannot be offered directly through Qantas Money.

This fee is debited to your Home Loan Account when you are in arrears. This fee is debited to your Home Loan Account every 28 days thereafter for as long as you remain 
in arrears.

When there are insufficient funds in your account to cover a direct debit, this fee is charged.

Break costs may be payable in certain circumstances during a fixed loan term, such as:

• Breaking your fixed rate term to convert to another percentage rate or to discharge your loan.
• Prepaying more than the allowed amount per annum on a fixed rate.

Payable for each security attached to a home loan that we partially or fully discharge at your request.

Note: A Loan Variation fee may be charged.