Interest rates and fees

Variable Interest Rates (p.a.)
Less than $250,000	9.95%
$250,000 – less than $1.0M	9.70%
$1.0M & above	9.45%

Fixed Interest Rates - interest yearly in advance
	1 year (p.a.)	2 years (p.a.)	3 years (p.a.)	4 years (p.a.)	5 years (p.a.)
Less than $250,000	9.00%	8.85%	8.85%	8.85%	8.85%
$250,000 – less than $500,000	8.80%	8.65%	8.65%	8.65%	8.65%
$500,000 – less than $1.0M	8.60%	8.45%	8.45%	8.45%	8.45%
$1.0M & above	8.35%	8.20%	8.20%	8.20%	8.20%

Fixed Interest Rates - interest monthly in arrears
	1 year (p.a.)	2 years (p.a.)	3 years (p.a.)	4 years (p.a.)	5 years (p.a.)
Less than $250,000	9.10%	8.95%	8.95%	8.95%	8.95%
$250,000 – less than $500,000	8.90%	8.75%	8.75%	8.75%	8.75%
$500,000 – less than $1.0M	8.70%	8.55%	8.55%	8.55%	8.55%
$1.0M & above	8.45%	8.30%	8.30%	8.30%	8.30%

 

Cash Management Account - Effective 13 October 2008
4.89% p.a.	This rate also applies to credit balances in a margin lending  variable rate loan.

 

All variable debit interest rates are effective 3 November 2008. All fixed rates are effective 3 November 2008. The credit interest rate is effective 13 October 2008. All rates are subject to change at any time. Fees and charges may apply. Full details of these and the relevant terms and conditions are available on application.