Small Business Finance Fees and Charges

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Small Business Finance Fees and Charges"

Transcription

1 Small Business Finance s and Charges September 2002

2 Small Business Finance Loan Approval Loan Administration Charge The Loan Administration Charge is payable in arrears., ANZ Business Loan (formerly known as the Fully Drawn Advance ), ANZ Franchise Loan, ANZ Business Mortgage Loan, ANZ Structured Business (or Farm) Finance, ANZ Commercial Bills, and Indemnities/Bank Guarantees (IGs). This fee is based on the amount of the business lending facility approved by ANZ at the time the application is made: > For a new facility or an increase to an existing facility amount. > To convert an existing facility to another lending facility. > To change the security provided for a facility (at the customer s request). > To vary the term of a facility or to switch from a variable to a fixed rate or vice versa. Subject to negotiation and will be detailed in any subsequent Letter of Offer. ANZ Business Money Saver Residential Investment Loan and ANZ Business Saver Loan. Business Residential Investment Loans (Variable Rate, Fixed Rate, and Interest-in-Advance) ANZ Home Loan (in a Company Name), and ANZ Home Equity Loan (in a Company Name). ANZ Business Loan (formerly known as the Fully Drawn Advance ) and ANZ Franchise Loan. > Loan Approval up to $50,000 > Loan Approval over $50,000 $20 per month No fee applies $100 per $ per ANZ Business Residential Investment Loan, ANZ Business Money Saver Residential Investment Loan, ANZ Business Saver, ANZ Home Equity Loan (in a Company Name), ANZ Home Loan (in a Company Name). Regardless of amount of facility, this fee covers security document preparation, application and loan establishment costs. ANZ Business Mortgage Loan Credit Facility The Credit Facility is payable in arrears. $30 per month Temporary Overdraft Increase > Up to $19,999 > $20,000 to $49,999 > $50,000 and above ANZ Business Credit Facility ANZ Business Cheque Plus $100 $200 $100 > Limit less than $50,000 > Limit of $50,000 - $1,999,999 > Limit of $2,000,000 and above $100 per $ per Price on application ANZ Business Credit Line ANZ Business Credit Facility ANZ Business Cheque Plus $50 per month $30 per ANZ Business Credit Line $35 per Indemnities/Bank Guarantees (IGs) > Limit less than or equal to $10,000 > Limit greater than $10,000 (fee is charged yearly in advance) $250 pa price on application

3 Renegotiation Handling ANZ Structured Business Finance / Commercial Bill $125 per rollover ANZ Business Residential Investment Loan, ANZ Business Money Saver Residential Investment Loan, ANZ Business Saver, ANZ Home Equity Loan (in a Company Name), ANZ Home Loan (in a Company Name). > If no change to loan term, amount or security, and not changing to Interest-Only repayments. > If changing loan term, amount, security or changing to Interest-Only repayments. ANZ Business Loan (formerly known as the Fully Drawn Advance ), ANZ Business Mortgage Loan, and ANZ Franchise Loan. Renewal of a fixed rate term (no change to security). This fee is charged at the time a fixed rate loan is renewed for a further fixed rate term, and the ability to renew a further fixed rate term was not incorporated into the current letter of offer. $400 Locked Rate ANZ Fixed Rate Loans This fee is payable, at application, to lock in the interest rate current at the time of application for a loan which is to be drawn down up to 60 days in the future. This feature is available on ANZ Fixed Rate Business Mortgage Loans, ANZ Fixed Rate Home Loans (in a Company Name), and ANZ Fixed Rate Business Residential Investment Loans. No Loan Approval applies to loans where a Locked Rate is paid. No discounts are permitted. Refunds are not available unless the loan is not approved by ANZ. This facility is only available on loans up to,000 and fixed rate terms of up to 5 years. The percentage value is variable and is available on application. plus a % of the loan amount Other s, Margins, s Volume Margin ANZ Structured Business Finance (SBF) / Commercial Bill (CB) Up to 1.25% of SBF or CB face value, Rate, or Margin Late Payment Loan Type Charged monthly where the whole or any part of the loan repayment has been unpaid for 30 days or more. When this fee is charged it must be paid immediately along with the outstanding repayment. $30 Overdraft Debit interest on Overdrafts (ie. business cheque accounts with a credit limit) is charged on the Overdraft balance at ANZ s Retail or Business Mortgage Index Rate published weekly in The Australian Financial Review, plus a margin of up to 4.75% pa. ANZ Retail Index Rate or Business Mortgage Index Rate plus a margin Early Repayment Administration Applicable to all ANZ fixed rate loans or other ANZ loans during a fixed rate period. Only applies to loan agreements made on or after 1 November May apply if you fully or partially repay your loan. Overdraft Excess Debit interest on overdrawn accounts (with a credit limit) applies to the amount exceeding the approved overdraft limit only and is charged at the Overdraft plus 4% pa. Overdraft plus 4% pa. Establishment Credit Risk Margin Esanda Finance This fee applies to all contracts irrespective of the amount financed and the customer s current Esanda borrowings. ANZ Structured Business Finance (SBF) / Commercial Bill (CB) $250 min A % of the SBF or CB face value Maximum Rate Letter by the Bank undertaking to issue a Guarantee ANZ Structured Business Finance / Commercial Bill Indemnities / Bank Guarantees. A charge added to the yield rate $50 min

4 Loan Securities Transaction fees associated with ANZ Business Credit Facility Free collections A collection is a cheque or merchant summary slip deposited to your account Free transactions # A transaction is any deposit, or withdrawal, or transfer Additional Transactions/Collections Formerly known as Excess Transactions/Collections 15 per month 13 per month of which 3 can be withdrawals $5 Type Lodgement > Registration Charge for lodgement for registration of ANZ Mortgages, Discharges of Mortgage, Transfers of Land, Assignment or Re-Assignment of Life Policies and other documents. > Original registration by ANZ With or without notice of intention to register > Re-registration of a Bill of Sale Charge for lodgement for registration of Bills of Sale, Crop Liens and Stock Mortgages (per process) # Bank fees, Government charges, periodical payments, direct debits, balance enquiries and transactions at non-anz ATMs are not counted towards the free transaction limit. For transactions at non-anz ATMs in Australia a $1.50 fee applies for withdrawals and a $1.25 fee applies for enquiries. Transaction fees associated with ANZ Home Equity Loan (in a Company Name) Production Production of Certificate of Title and/or other security documents. Settlement Sale surrendering documents and receiving money; or Purchase payment of money upon receipt of documents $85 (per process) $150 Free transactionsˆ A transaction is any customer initiated withdrawal. Excess transactions A transaction is any deposit, or withdrawal, or transfer 3 per month ˆ Deposits, Bank s and Government charges are not counted towards the free transaction limit. $5 Search Search of government records eg. Bills of Sale, Business names, Certificates of Title, Powers of Attorney, Register of Companies. Document Preparation > Mortgage over Property, Lien over Shares, Charge over Term Deposit, Cross Guarantee. > Mortgage Debenture Charge applies for each of the above security documents prepared by ANZ. eg where two Mortgages over Property are prepared, the total Document Preparation is $400. $50 (per search) $200 $250 Preparation and/or Execution > Preparation and/or Execution of Discharge of Mortgage. > Preparation and/or Execution of Consent to Lease and Deed of Priority. Other Services If ANZ deals with, varies or supplements its security documentation to comply with your requirements, ANZ may charge a fee. An estimate of the fee can be provided once your specific requirements have been ascertained.

5 Item No W25660

Finance Fees and Charges. ANZ Business Banking

Finance Fees and Charges. ANZ Business Banking Finance Fees and Charges ANZ Business Banking February 2008 Contents Page Business Finance > Loan Approval Fee 1 > Credit Facility Fee 2 > Loan Administration Charge 3 > Renegotiation Fee 3 > ANZ Business

More information

Credit Facility Fee. Loan/Facility Type

Credit Facility Fee. Loan/Facility Type Credit Facility Fee The Credit Facility Fees described below apply and are payable in arrears, unless otherwise advised to you in writing by ANZ. Loan/Facility Type ANZ Business Overdraft The Credit Facility

More information

Finance Fees and Charges

Finance Fees and Charges Finance Fees and Charges ANZ BUSINESS BANKING 28.10.2015 Contents Business Finance Loan Approval Fee 3 Credit Facility Fee 4 Loan Administration Charge 6 Renegotiation Fee 7 ANZ Business Select 7 ANZ Commercial

More information

ANZ Personal Banking GENERAL FEES AND CHARGES

ANZ Personal Banking GENERAL FEES AND CHARGES ANZ Personal Banking GENERAL FEES AND CHARGES 23.11.2015 Contents General banking Credit cards Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 22 November 2015 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 15 April 2013 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of

More information

Effective Date: 15 April 2013. Loan Accounts. Charges for specific services and accounts

Effective Date: 15 April 2013. Loan Accounts. Charges for specific services and accounts Effective Date: 15 April 2013 Loan Accounts Charges for specific services and accounts Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of changes

More information

Loan Accounts. Charges for specific services and accounts

Loan Accounts. Charges for specific services and accounts Loan Accounts Charges for specific services and accounts Effective Date: 15 April 2013 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of changes

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Transaction Accounts Fees and Charges

Transaction Accounts Fees and Charges Transaction Accounts Fees and Charges ANZ BUSINESS BANKING 28.08.2015 For ANZ Business Advantage Accounts, ANZ Business Extra Accounts, ANZ Business Classic Accounts (ii) ANZ Business Extra 50 Accounts

More information

RAMS Home Loan Fees & Charges

RAMS Home Loan Fees & Charges RAMS has provided this guide to help you determine the RAMS loan fees that may be payable before and after your loan settlement. Your specific RAMS fees and other fees and charges (such as government fees)

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Schedule of Fees and Charges Standard Home Loans - Variable Rate and Fixed Rate (bcu's standard home loan is defined as a loan secured by one residential property) Guide to pre-settlement fees and charges

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Lite Transaction Account

Lite Transaction Account Lite Transaction Account Direct Option/Transaction Option Product Schedule bankwest.com.au NB: This Product Schedule is specific to the Lite Transaction Account and/or any facility made available with

More information

Save money by avoiding fees

Save money by avoiding fees Effective February 2016 Save money by avoiding fees With New Zealand Home Loans there is no monthly base fee. Use electronic transactions where possible You can save money by using electronic transactions

More information

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 22 November 2014 The following home loans are no longer available for new loans. Fee or Charge Description Professional

More information

managed loans FEES AND LIMITS

managed loans FEES AND LIMITS managed loans FEES AND LIMITS Effective November 2014 Fees and Limits New Zealand Home Loans is committed to helping you and your family become debt free, faster. To help you do this, New Zealand Home

More information

Fees & Charges. Effective 1 July 2015

Fees & Charges. Effective 1 July 2015 Effective 1 July 2015 Contains for Personal Transaction and Savings Accounts, Term Investment Accounts, Business Transaction and Savings Accounts, Loans and Access Facilities (including EFT Access Facilities).

More information

Go Home Loan. Fees and Limits Guide. Effective June 2015. Home loans

Go Home Loan. Fees and Limits Guide. Effective June 2015. Home loans Go Home Loan Fees and Limits Guide Effective June 2015 Home loans Transaction services Go Card Withdrawal limits are subject to the redraw balance available in your Go Floating Rate account and any lower

More information

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

Fees and Charges. www.homelend.net.au

Fees and Charges. www.homelend.net.au Fees and Charges The fees in this home loan fees and charges brochure may be applicable to HomeLend Home Line, HomeLend Term Loan and HomeLend 100% Offset Home Loan accounts. All information is correct

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide BOQ Specialist Transaction and Savings Accounts (with Overdraft) Combined Product Disclosure Statement

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 01.07.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Lending Terms & Conditions. Current as at 23 November 2015

Lending Terms & Conditions. Current as at 23 November 2015 Lending Terms & Conditions Current as at 23 November 2015 1 Contents About this Brochure... 3 Part 1 - All Contracts... 3 1. Your Contract... 3 2. Acceptance... 3 3. Definitions and Interpretation... 3

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 29.02.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 RURAL BANK SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Rural Bank Schedule of Fees and Charges This booklet forms part of the Rural Bank Accounts Terms and Conditions for the following

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14.

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14. Fees and charges Contents Introduction 3 Transaction fees 4 Payment services 8 Cards 10 Loans and overdrafts 11 Overseas services 14 Other fees 15 Introduction This brochure contains our fees and charges

More information

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited Fees and charges UniBank is a division of Teachers Mutual Bank Limited Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 Contents Introduction 3 Transaction fees 4 Payment

More information

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Version: October 2008 This PDS is part 2 of 2 of the PDS for the following products: ANZ Corporate Transaction

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective February 2016 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

Price list and guide to fees and interest for personal customers. Applies from December 2015

Price list and guide to fees and interest for personal customers. Applies from December 2015 Price list and guide to fees and interest for personal customers Applies from December 2015 At First Trust Bank, it is our policy to provide you with a service that is clear and consistent. To make sure

More information

Account and service fees for your Business and Agribusiness.

Account and service fees for your Business and Agribusiness. Account and service fees for your Business and Agribusiness. 1 September 2015 Account fees Account fees Account fees are subject to change at any time. Where applicable, account fees are in addition to

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective July 2015 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

General Service Fees and Charges

General Service Fees and Charges General Service Fees and Charges ANZ BUSINESS BANKING 28.08.2015 Contents General Banking Agent Deposit Books 4 2 3 Bank Cheques 4 Certificates Supplied 4 Custodial Services 4 Miscellaneous Service Fee

More information

A guide to fees and charges

A guide to fees and charges A guide to fees and charges Personal banking fees Effective 26 October 2015 2 Contents Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Transaction and Savings Accounts NAB Transaction and Savings

More information

Lending Fees and Charges. Effective from 20 May 2016

Lending Fees and Charges. Effective from 20 May 2016 Lending Fees and Charges Effective from 20 May 2016 2 Suncorp Bank About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm

More information

Lending Fees and Charges. Effective from 20 July 2015.

Lending Fees and Charges. Effective from 20 July 2015. Lending Fees and Charges Effective from 20 July 2015. About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm that you have

More information

Personal Financial Charges for Home and Investment Property Loans. Effective 1 July 2011

Personal Financial Charges for Home and Investment Property Loans. Effective 1 July 2011 Personal Financial Charges for Home and Investment Property Loans Effective 1 July 2011 Loan Establishment Fees Home Smart Establishment Fees 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information

PERSONAL LOANS (Including Secured & Unsecured Term Loans: Set Personal Loan - Revolving and Reducing)

PERSONAL LOANS (Including Secured & Unsecured Term Loans: Set Personal Loan - Revolving and Reducing) PERSONAL LOANS (Including Secured & Unsecured Term Loans: Set Personal Loan - Revolving and Reducing) Establishment Fees Up to $499.00 $50.00 $500.00 to $4,999.99 $100.00 $5,000.00 to $14,999.99 $200.00

More information

Fees and Charges Effective 17 April 2016

Fees and Charges Effective 17 April 2016 Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant

More information

Investment & Transaction Accounts

Investment & Transaction Accounts Bankwest Investment & Transaction Accounts Terms and Conditions 25 May 2015 making banking easier Terms and Conditions These Terms and Conditions apply to all Investment and Transaction Accounts with us

More information

A Guide to Fees and Charges for Personal Accounts

A Guide to Fees and Charges for Personal Accounts A Guide to Fees and Charges for Personal Accounts This document contains important information. Please read carefully and retain for future reference. March 2015 Contents Welcome to AIB page 2 Account

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 12 December 2016 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit

More information

A change for the better. Schedule of Fees Lending 1st July 2009

A change for the better. Schedule of Fees Lending 1st July 2009 A change for the better Schedule of Fees Lending 1st July 2009 Establishment fees Personal Finance An establishment fee applies to all credit facilities and includes the cost of processing the application

More information

Personal Banking. Guide to Fees and Charges. July 2015

Personal Banking. Guide to Fees and Charges. July 2015 Personal Banking Guide to Fees and Charges This booklet forms part of the Terms and Conditions for Deposit Products and the Supplementary Terms and Conditions for Personal Lending and Electronic Banking

More information

A guide to fees and charges

A guide to fees and charges A guide to fees and charges Personal banking fees Effective 22 January 2010 Contents Section 1 Section 2 Section 3 Section 4 Section 5 Transaction and Savings Accounts NAB Transaction and Savings Accounts

More information

Retail Banking. General Tariff of Charges

Retail Banking. General Tariff of Charges Retail General Tariff of Charges Retail General Tariff of Charges BANKING SERVICE CHARGES Account Charges Savings Accounts Monthly minimum balance (monthly average) 20.000 or equivalent amount in foreign

More information

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14.

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14. Fees and charges Contents Introduction 3 Transaction fees 4 Payment services 8 Cards 10 Loans and overdrafts 11 Overseas services 14 Other fees 15 Introduction This brochure contains our fees and charges

More information

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013 Retail Banking and Wealth Management Fees and Charges with effect from 1 October 2013 About this guide At HSBC we want to make it easy for you to know what fees and charges apply to the HSBC financial

More information

BANK OF MELBOURNE PACKAGE. Terms and Conditions

BANK OF MELBOURNE PACKAGE. Terms and Conditions BANK OF MELBOURNE ADVANTAGE PACKAGE. Terms and Conditions Effective Date: 16 November 2015 Parts A, B and C of this booklet comprise the terms and conditions that apply to the package. Part A Summary of

More information

Home Loan Facility Agreement Terms and Conditions

Home Loan Facility Agreement Terms and Conditions Home Loan Facility Agreement Terms and Conditions Terms and Conditions Effective 13th July, 2013 ABN 55 094 317 665, ACL 286655, AFSL 286655. All rights reserved. 1 2 ABN 55 094 317 665, ACL 286655, AFSL

More information

Personal Financial Charges for Home and Investment Property Loans. Effective 1 April 2016

Personal Financial Charges for Home and Investment Property Loans. Effective 1 April 2016 Personal Financial Charges for Home and Investment Property Loans Effective 1 April 2016 Loan Establishment Fees Home Smart Establishment Fee 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information

Interest is only paid on the amount of the overdraft drawn down.

Interest is only paid on the amount of the overdraft drawn down. Overdraft By enabling you to overdraw from your cheque account, an overdraft is particularly useful at times when income is temporarily insufficient to meet payments that are due. Overdrafts do not require

More information

FEE DESCRIPTION. Establishment Fees Up to $4,999.99 $100.00 $5,000.00 to $19,999.00 $200.00. $20,000 & above 1% of loan amount

FEE DESCRIPTION. Establishment Fees Up to $4,999.99 $100.00 $5,000.00 to $19,999.00 $200.00. $20,000 & above 1% of loan amount Effective 27 February, 2014 1. PERSONAL LOANS UNSECURED: A) OVERDRAFT Establishment Fees Up to $4,999.99 $100.00 $5,000.00 to $19,999.00 $200.00 $20,000 & above 1% of loan amount Account Overdrawn/ Over

More information

smile current accounts account charges

smile current accounts account charges smile current accounts account charges 1 Your guide to the charges on smile current accounts The services, charges and rates detailed are effective from 5 July 2015. We can vary or amend these charges

More information

ANZ Loan. Terms and conditions

ANZ Loan. Terms and conditions ANZ Loan Terms and conditions Introduction Thank you for choosing an ANZ Loan When you take out a loan, various terms and conditions apply to it. These are covered in this booklet and in your Loan Agreement.

More information

Account Charges Leaflet

Account Charges Leaflet Account Charges Leaflet Your guide to charges you can expect on your Co-operative Bank Personal Current Accounts and any savings account linked to a Privilege Account, Privilege Premier Account or Current

More information

AMP Bank. Home loan fees and charges guide

AMP Bank. Home loan fees and charges guide AMP Bank Home loan fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for AMP Bank home loan accounts. For information on fees and charges for our deposit accounts

More information

Interest rates and charges. Correct as at 10 November 2014 (unless stated otherwise)

Interest rates and charges. Correct as at 10 November 2014 (unless stated otherwise) rates and charges Correct as at 10 November 2014 (unless stated otherwise) rates and charges The rate and charges information set out below that applies to your product forms part of the terms and conditions

More information

ANZ Assured & Personal Overdraft TERMS AND CONDITIONS 02.12

ANZ Assured & Personal Overdraft TERMS AND CONDITIONS 02.12 ANZ Assured & Personal Overdraft TERMS AND CONDITIONS 02.12 Introduction If you are thinking about obtaining a personal credit facility from ANZ or have any questions about your existing facility, simply

More information

The finer details. ANZ Loan. Terms and conditions

The finer details. ANZ Loan. Terms and conditions The finer details ANZ Loan Terms and conditions Everything you need to know about the terms and conditions of your ANZ loan Thank you for choosing an ANZ loan. When you take out a loan, both you and ANZ

More information

Residential Loan Agreement. General Terms and Conditions

Residential Loan Agreement. General Terms and Conditions Residential Loan Agreement General Terms and Conditions Effective Date: 1 July 2014 IMPORTANT NOTE This document does not contain all the terms of your loan agreement or all of the information we are required

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Schedule of Fees and Charges Effective date: 06 August 2015 This booklet should be read in conjunction with the Terms and Conditions contained in the Financial Service Guide (FSG) for the Bank products

More information

Gibraltar International Bank. Services Tariff Guide

Gibraltar International Bank. Services Tariff Guide Gibraltar International Bank Services Tariff Guide Services Tariff Guide - Personal General Personal Prime Personal Plus Duplicate Statement n/a 5 per sheet n/a Duplicate Tax Letters 35 n/a 35 Cert of

More information

Personal account, service and facility fees.

Personal account, service and facility fees. Personal account, service and facility fees. This brochure contains certain key information required by the Credit Contracts and Consumer Finance Act 2003. 6 June 2015 Account fees. Account fees are charged

More information

Accurate cheque writing When writing or accepting a cheque, ensure that all details are correct to avoid unpaid cheque Charges.

Accurate cheque writing When writing or accepting a cheque, ensure that all details are correct to avoid unpaid cheque Charges. Business Banking Schedule of Charges - Great Britain June 2011 Introduction Bank of Ireland UK offers many free services, but where Charges are applied this fact sheet explains them and how it is possible

More information

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co.

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co. Saffron Building Society Mortgages Savings Investments Insurance Loans Residential mortgage conditions www.saffronbs.co.uk 0800 072 1100 Saffron Building Society Residential Mortgage Conditions (England

More information

FOR AFM ACCREDITED INTRODUCERS USE ONLY

FOR AFM ACCREDITED INTRODUCERS USE ONLY COMMERCIAL DIVISION Motor Vehicle & Equipment Full Doc Only Leasing Hire Purchase Novated Lease Property Full Doc 75% Lo Doc 75% Lease Doc 65% Construction 60% - 70% end value Chattel Mortgage FOR AFM

More information

COMMERCIAL DIVISION MOTOR VEHICLE & EQUIPMENT COMMERCIAL PROPERTY

COMMERCIAL DIVISION MOTOR VEHICLE & EQUIPMENT COMMERCIAL PROPERTY Commercial Loans COMMERCIAL DIVISION MOTOR VEHICLE & EQUIPMENT Full Doc Only Leasing Hire Purchase Novated Lease Chattel Mortgage COMMERCIAL PROPERTY Full Doc 75% SMSF 75% Lo Doc 75% Lease Doc 65% Construction

More information

Healthy Banking Account

Healthy Banking Account This booklet forms part of the Healthy Banking Account Product Disclosure Statement Financial services provided by ANZ Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL: 234527 Healthy

More information

Finance Conditions of Use

Finance Conditions of Use Finance Conditions of Use ANZ BUSINESS BANKING 28.10.2015 Contents Agreement 3 Read the materials that form your Agreement with ANZ 3 Opening Your Facility 4 ANZ s Obligations 4 Your Obligations 5 Review

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending

More information

Tariff of Charges - Banking Services

Tariff of Charges - Banking Services Accounts & Deposits Issuing a statement of account (Monthly for Current accounts - Half yearly for Savings) From Free of charge To QAR 10.00 Free of charge Free of charge Issuing a duplicate statement:

More information

Interest rates and charges. Correct as at 1 January 2014 (unless stated otherwise)

Interest rates and charges. Correct as at 1 January 2014 (unless stated otherwise) rates and charges Correct as at 1 January 2014 (unless stated otherwise) rates and charges The rate and charges information set out below that applies to your product forms part of the terms and conditions

More information

Fees for tax reclaims. Fees for partial / complete exemption from taxes. Legal fees³. Other miscellaneous fees

Fees for tax reclaims. Fees for partial / complete exemption from taxes. Legal fees³. Other miscellaneous fees Account maintenance, safes, certification and enquiries ANNUAL ACCOUNT MAINTENANCE FEE 1 SAFE DEPOSIT BOXES Including secure e-banking access² 25 EUR Volume (dm 3 ) annual rental fee before tax + 17% VAT

More information

Account and service fees for your Business and Agribusiness.

Account and service fees for your Business and Agribusiness. Account and service fees for your Business and Agribusiness. January 2016 Account fees Account fees Account fees are subject to change at any time. Where applicable, account fees are in addition to all.

More information

call options supplementary terms and conditions and application forms

call options supplementary terms and conditions and application forms x multiplying your investments to multiply your returns x multiplying your investments to multiply your returns x multiplying your investments to multiply your returns x multiplying your investments to

More information

ANZ Fees and Charges EFFECtivE 01 OCtObEr 2012

ANZ Fees and Charges EFFECtivE 01 OCtObEr 2012 ANZ Fees and Charges Effective 01 October 2012 Customer Service Fee Description No Interest Access Everyday Account (Pay As You Go) Number of free electronic Nil s Electronic fee $0.50 per Number of free

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges 0800 298 5714 precisemortgages-customers.co.uk Precise Mortgages is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to

More information

Feel at home with the fine print

Feel at home with the fine print Feel at home with the fine print Home Loans Terms and Conditions Date: 12 March 2014 Do I really need to read this? Thank you for considering an ING DIRECT Home Loan Since you re just about to make one

More information

BUY TO LET MORTGAGE FEE TARIFF

BUY TO LET MORTGAGE FEE TARIFF Axis Bank UK Limited BTL Mortgage Fee Tariff UK LTD. BUY TO LET MORTGAGE FEE TARIFF Effective from: 31 st March 2015 Issue Date: 31 st March 2015 Overview This document should be reviewed by anyone considering

More information

Business Banking Price List

Business Banking Price List Business Banking Price List The information in this leaflet is correct as at 17 February 2014 (unless our customer notice to you stated otherwise). Introduction This Business Banking Price List sets out

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at PLAN Lending we re committed to helping turn your dreams into reality, whether you

More information

Important Notice to Commonwealth Bank Customers

Important Notice to Commonwealth Bank Customers Important Notice to Commonwealth Bank Customers From the date shown, the Common Banking Services Standard Fees and Charges brochure dated 1 August 2013 will change as shown in the table below. Bank Cheque

More information

Financial Services Guide 10.14

Financial Services Guide 10.14 Financial Services Guide 10.14 Introduction This Financial Services Guide is designed to assist you in deciding whether to use any of the financial services offered by Australia and New Zealand Banking

More information

ANZ Discharge and Variation Authority

ANZ Discharge and Variation Authority To assist us in processing your request in a timely manner, please complete appropriate sections in full (as missing details may result in delays). This request must be signed by all parties to your loan

More information

Tariff of Charges Banking Services

Tariff of Charges Banking Services Accounts & Deposits Issuing a statement of account (Monthly for Current accounts Half yearly for Savings) Issuing a duplicate statement: Current year's statement up to 5 years (for each statement) QAR

More information

Business Corporate MasterCard

Business Corporate MasterCard 1 Business Corporate MasterCard Terms and Conditions 25 May 2015 Contents 1. Definitions 1 2. Code of Banking Practice 5 3. About your contract 5 4. Opening the Facility 7 5. Activation and acceptance

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Effective 27th January 2016 Monmouthshire Building Society is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to make our fees and charges easy for

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

Personal Account Transition Charts

Personal Account Transition Charts Personal Account Transition Charts 29 Just Right Checking, Just Right Checking+, or High Yield Checking Neighborhood Checking $5 Monthly maintenance fee. Waived with one of the following 1 : - Minimum

More information

Refinance your business debt

Refinance your business debt Refinance your business debt For many small businesses the initial financing arrangements put in place at start up are still in place many years later. For example, a company starts off with a simple overdraft

More information

Schedule of fees and charges for personal customers. Effective 19 th November 2012

Schedule of fees and charges for personal customers. Effective 19 th November 2012 Schedule of fees and charges for personal customers Effective 19 th November 2012 Contents Introduction Personal Current Account Second Level Student Current Account Third Level Student Current Account

More information

Negative Equity Home Movers. Guiding you through your next move

Negative Equity Home Movers. Guiding you through your next move Negative Equity Home Movers Guiding you through your next move WHAT IS NEGATIVE EQUITY? Negative equity occurs when the value of your house is less than the amount you owe on the mortgage. That means that

More information

Account Charges Leaflet

Account Charges Leaflet Account Charges Leaflet Your guide to charges you can expect on your Current Account, Current Account Plus, Student Current Account, Privilege and Privilege Premier Current Account The services, charges

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges NRAM are closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to make our fees and charges easy for you to understand. Our tariff

More information

INTEREST RATES AND BANKING CHARGES GUIDE. For personal bank accounts with Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited

INTEREST RATES AND BANKING CHARGES GUIDE. For personal bank accounts with Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited INTEREST RATES AND BANKING CHARGES GUIDE For personal bank accounts with Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited Rates correct as at 20 April 2015 Premier International Account

More information

Our Charges. 2. Valuation fee From 135. Estimated property value Valuation report cost

Our Charges. 2. Valuation fee From 135. Estimated property value Valuation report cost Our Charges This document sets out the main costs that you may incur during the course of your mortgage term. If our charges change in the future, you will be charged the updated fee. We will Our always

More information

Fees & Charges Deposit Accounts

Fees & Charges Deposit Accounts Fees & Charges Deposit s Effective Date 6 October 2014 Section A Section B Section C Section D Section E Section F Personal Fees & Charges Business Fees & Charges Other Fees & Charges Government Fees &

More information