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Customer alert update: Due to a technical issue monthly interest payments have not been paid to Bonus Saver and mySaver accounts. The problem has been identified and the bonus interest payments issue will be resolved overnight (1 June 2020). We will pay bonus interest at the previous interest rates (1.34%p.a. for Bonus Saver or 1.54% for mySaver + 0.01%p.a. base rate) effective to 31 May 2020 to all eligible account holders. The new interest rates announced on 28 May 2020 will now apply from 1 June 2020. The interest payment for May will now appear on your June statement, and in Internet Banking and the App. Again, we are very sorry for the delay in paying your interest and any inconvenience caused. View details

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You're planning to buy your first home. It's time to think about finance, insurance and other considerations that come with owning a home.

Buying your first home can be a big step, so take your time, do your research, plan, and get some expert advice if necessary. There's some excellent information to assist first homebuyers at moneysmart.gov.au.

Calculate how much you can borrow, including all expenses of a home loan, such as:

  • interest rates
  • stamp duty
  • account keeping fees
  • insurance
  • pre-purchase inspections
  • legal, application, valuation and settlement fees.

Some questions to consider:

  • Do you have a deposit saved? The usual amount is 5 per cent of the purchase price, but the more you can save the better.
  • Will you have to pay mortgage insurance?
  • Have you accounted for all transaction costs (legal, inspections, government charges, financial costs, moving costs)? Up to 5 per cent of the purchase price can be added in just these costs.
  • Do you want to buy an existing property or build your own?
  • Are you eligible for the government's First Home Owner Grant or other assistance?

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