^#OFFSET HOME LOAN SPECIAL OFFER TERMS AND CONDITIONS

• Applications received on and from 7 August 2025.
• Limited time offer, subject to change at our discretion at anytime.
• Owner occupied, principal and interest only.
• ≤ 80% LVR limit.

• Includes eligible Victorian Homebuyer Fund and NHFIC Guarantee Loans.
• PAYG only.

1. This offer only applies to new home loans with Bank Australia Limited, trading as either Qudos Bank or Bank Australia.

We reserve the right to change the rate at any time. Advertised variable rates are current at the time of publication but can be changed at any time. Applications received within the period 7 August 2025 up until offer ends or is withdrawn must be funded no later than 31 December 2025.

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GENERAL ADVICE

• Any information and advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and seek any third party advice you need.
• Before deciding to apply, we provide and recommend you read our Financial Services Guide.
• All applications are subject to a credit assessment and approval. All applicable terms and conditions will be included in our loan offer.
• Additional fees and charges may be payable – all relevant details will be included in our loan offer.
• Information and interest rates are current as at the date of publication and are subject to change at any time, at the discretion of Bank Australia Limited.
• This document does not constitute a contract for finance.
• * Comparison Rate: The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable.
  IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
• Terms and conditions, fees and charges apply. Loans subject to normal lending criteria and approval.

OFFSET HOME LOAN

1. Minimum new borrowings of $10,000 and $10,000 in additional borrowings for further advances to existing home loans.
2. To view all our rates including interest rates for Interest Only payments see Loan Rates.
   
3. The Annual fee of $199 is payable in advance and is non-refundable. The fee is debited to the loan balance on funding, and then annually on the anniversary date of funding. Benefits cease to apply once the loan is repaid in full. Other fees and charges may be payable. Refer to the Lending and Credit Card fees, charges and transaction limits or call us at 132 888 for more details.
4. Fixed Rate Loans. If a Fixed Rate is selected, then that rate may vary from the date of application anytime up until the date of funding, unless a rate lock agreement applies. Additional repayments are capped at $30,000 for the term of the fixed rate loan, and cannot be redrawn. Repayments in excess of the cap may be subject to a Break Fee. A limit of one mortgage offset account applies to Fixed Rate Loans. Mortgage Offset is capped at $20,000 and one account can be linked to one Fixed Rate Loan only.
5. Redraw is not available on home loans with fixed rates, or during the interest only period of the loan and the amount available for redraw is governed by the terms set out in your Loan Offer.
6. Repayment Pause. Loans must be established for a full 12 months and a maximum Loan to Value Ratio of 90% (Family-Pause) or 90% (Eco-Pause) applies. Pausing repayments will result in interest continuing to accrue on the loan, potentially increasing the term of your loan. Full conditions available from Bank Australia.