QTMB Choices
Having all your financial products in one place makes sense, in more ways than one.
Not only is it more convenient but we will also reward you for your loyalty with a range of benefits including a discount interest rate on both variable and fixed loans, a free daily banking account, discounts on insurance products, and additional interest on term deposits.
To be eligible for the QTMB Choices package you need combined property borrowing of more than $150,000. An annual package fee of $395 is payable to receive exclusive access to the QTMB Choices Package discounts and benefits.
The QTMB Choices package is available on the following loans:
| Product or Service |
Discounts and Features |
|
Home loans receiving a discount
Variable Rate
Mortgage Breaker Home Loan
Mortgage Breaker Home Loan
Home Loan Overdraft
Mortgage Breaker Investment Home Loan
Investment Home Loan Overdraft
Investment Home Loan - Interest Only
Home Equity Loan
Home Equity Overdraft
Fixed Rate
1, 2 and 3 year
1, 2 and 3 year Investment - Interest only |
Variable rate (discount based on total lending)
0.4% pa off the variable interest rate ($150,000 - $249,999 total)
0.6% pa off the variable interest rate ($250,000 - $499,999)
0.7% pa off the variable interest rate ($500,000 or over)
Fixed rate (discount based on fixed rate loan amount)
0.10% pa off the fixed interest rate $20,000 plus
Discounts remain at the level agree at time of application
Split loans available where LVR is less than 80%
No establishment fee
No valuation fee to a value of $220 (applies to one property only)
No ongoing maintenance fees
Repayment pause available
|
| Fee free transaction banking |
No account keeping fees and unlimited transactions on a range of account types (non-rebateable fees still apply – refer to the Fees and Charges brochure) |
| Term Deposits |
Increase of 0.15% pa for investments of greater that $5,000 for terms 6 months or longer |
Financial Planning
(Through QT Financial Planning Pty Ltd) |
Initial consultation free
20% off financial plan preparation fee |
| Insurance |
10% off home and contents premium for owner-occupiers
10% off landlords building cover
5% off motor vehicle cover
5% off additional covers e.g. caravan
N.B. These are in addition to multi-policy discounts
|
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A Product Disclosure Statement (PDS) is available for this product and you should read the PDS before making any decisions about the product. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances.
For investments greater than $100,000 ask for a quote.
QT Mutual Bank ABN 83 087 651 054 (QTMB) AFS Licence No. 241195 acts under its own Australian Financial Services Licence and under an agreement with the insurer, CGU Insurance Limited ABN 27 004 478 371 (CGU) AFSL 238291. CGU First Choice Home and Contents Insurance, Landlords Residential Property Insurance and Car Insurance are issued by CGU. You can get a Product Disclosure Statement (PDS) for any of these products from any office of QTMB or CGU. You should consider the PDS in deciding whether to buy or hold the relevant products.
QT Financial Planning Pty Ltd ABN 35 116 361 650 is a Corporate Authorised Representative (ASIC No. 293929) of Outlook Financial Solutions Pty Ltd, ABN 40 083 233 925, AFSL 240959, Level 17, 100 Pacific Highway, North Sydney, NSW, 2060