Lending Fees and Charges
QPCU Limited T/A QBANK
Level 1, 231 North Quay, Brisbane Qld 4000. PO Box 13003, George Street Qld 4003.
Phone: 13 77 28 Fax: 3236 2194. Email: [email protected] Website: qbank.com.au
ABN 79 087 651 036 AFSL No. 241413
Home Loan - Set Up Fees
Home Loan - Other Fees
QBANK fees and charges applicable to mortgage loans
and overdrafts secured by real estate property.1
QBANK fees and charges applicable to mortgage loans and
overdrafts secured by real estate property.1
Fees Payable to QBANK
Loan Establishment Fee
Contract Alteration Fee
Payable at the time of funding.
Mortgage Secured Overdraft
20% Establishment Fee
Payable when the overdraft is secured against property.
$200
Standard Property Valuation Fee
$220
Fixed Rate Early Repayment Admin Fee
Fixed Rate Early Termination (Break Cost) Fee
An interest adjustment may be payable if you repay your loan
or change to another rate.*
Payable if you wish to lock into a fixed interest rate
for 60 days at time of application.
$200
Mortgage Release Fee
Payable on construction loans for each progress payment when more
than five are required.
Additional Security Fee
$100
Switching Fee
$200
Payable if you would like to switch from a variable rate product
to another variable or fixed rate product.
$100
$200
Fixed Rate Switching Fee
Charged when a guarantee is required to secure a loan.
Split Loan Fee
$200
When a loan is partially or fully repaid and you require
security to be released.
Payable at the time of funding, when more than one security property
is used for a loan.
Guarantee (Security)
Greater of
$200 or 0.15%
of
loan amount
Fixed Interest Rate Cap Fee
$500
Applies to construction loans and covers the cost of the progress
payment process, including up to five progress draws.
Subsequent Progress Payment Fee
$200
Charged on Loans entered into prior to 1/7/11 when you
repay your loan.
Additional costs for non-standard valuations and
travel may apply.
Progress Payment Fee
$100
Payable if you request a change to the loan contract prior to
settlement that requires new documentation to be prepared.
$700
Payable if you switch from a fixed rate to a variable rate
(excluding Standard Variable).
$100
Payable at the time of funding.
Additional Switching Fee - Classic Plus
Fees Payable to QBANK’s Solicitor
Payable if you switch within the first year, less package fees
already paid.
Mortgage Preparation Fee
$385
Solicitor’s Petties
Covers incidental costs in relation to the mortgage
preparation.
Charged for each manual redraw; electronic redraws are free
via QBANK Internet Banking.
from
$71.50
* The early termination fee is calculated by applying the difference between the
fixed annual percentage rate and the break rate to any prepayment(s) for the
balance of the fixed term.
Government charges and lenders mortgage insurance may apply.
You can obtain a copy of the General Information, Terms and Conditions by visiting
qbank.com.au or call us on 13 77 28.
1
Home Loan - Other Fees
QBANK fees and charges applicable to mortgage loans
and overdrafts secured by real estate property.
Settlement Fee
$25
Paper Redraw Fee
Payable to cover the preparation of one mortgage.
up to
$300
$200
Payable at the time of settlement.
Variation Fee
$200
Payable if you require any change to the loan contract
or loan security.
Package Fee - Classic Plus
$25
Payable on a monthly basis.
Copy of Documents Fee
$30
Payable if you request a copy of a loan document.
Payable in advance when a performance
guarantee is issued and then annually thereafter.
Overdraft Over Limit Fee
2%
of guarantee
amount
$30
Payable if you exceed your overdraft limit.
Please turn over
LFC0716
Guarantee
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Personal Loans
Credit Cards
The fees and charges applicable to secured and
unsecured personal loans and overdrafts.2
General Fees
Set Up Fees
QBANK fees and charges applicable to credit cards.2
Loan Funding Fee
Payable at the time of funding.
$150
Bluey Card Annual Fee
Other Loan Fees
Contract Alteration Fee
Bluey Rewarder Card Annual Fee
$100
Late/Missed Payment Fee
Payable if you request a change to the loan contract prior to settlement that requires new documentation
to be prepared.
Variation Fee
Credit Card Over Limit Fee
$150
$8
$8
Payable if you exceed your credit card limit.
Government charges may apply.
You can obtain a copy of the General Information, Terms and Conditions by visiting
qbank.com.au or call us on 13 77 28.
2
$30
Payable if you request a copy of a loan document.
Paper Redraw Fee
$48
Charged when the required payment is not paid by the
due date.
Payable if you require any change to the loan
contract or loan security.
Copy of Documents Fee
Nil
$25
Charged for each manual redraw; electronic redraws are free via
QBANK Internet Banking.
Guarantee
Payable in advance when a performance
guarantee is issued and then annually thereafter.
Overdraft Over Limit Fee
2%
of guarantee
amount
$30
Payable if you exceed your overdraft limit.
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