Find answers to some of the most common questions from our members
Some loans have annual fees to cover costs or additional services available on the loan. Annual fees are generally charged on the date of disbursement and then annually on this anniversary date. The value of the annual fee and the charge date are outlined in the loan conditions and your contract.
An additional payment is any extra repayment you contribute to your loan above the minimum loan repayments. Some loan products (in particular fixed) may have limitations on the amount of extra repayments you are able to make. Ensure you check the terms and conditions of your product to confirm how much you can pay into your loan each year.
Next to your income and credit history, lenders determine the amount you can borrow by looking at your assets. Assets are the valuables you own, such as your savings accounts, any cars, existing home contents, your superannuation, investment shares and such.
Application fees are the charges you may have to pay to the lender to cover their internal costs of processing your loan application. This fee may also be referred to as an ‘Establishment Fee’ or ‘Up Front Fee’.
Uncleared transactions are displayed in our New Internet Banking System.
You can view these either:
1. From the Transaction History page by selecting ‘Accounts’ from the top level menu and then ‘Transaction History’ from the slide out menu, or
2. From the Account Balances page, by clicking on the ‘down’ arrow on the right, next to Account Balances to display the account details, and then by clicking on the red ‘Uncleared Transactions’ hyperlink.
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