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, unlimited rediATM and EFTPOS transactions, 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 borrowings 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. Terms, conditions, fees and charges apply.
The QTMB Choices package is available on the following loans:
|Product or Service
||Discounts and Features
Home loans receiving a discount
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
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 and over
Discounts remain at the level agreed at time of application
Split loans available subject to LVR requirements
No establishment fee
No valuation fee to a value of $220 (applies to one property only)
No ongoing maintenance fees
Repayment pause available 1
|Fee free transaction banking 2
||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 2
||Increase of 0.15% pa for investments of greater that $5,000 for terms 6 months or longer 3
| Insurance 4
||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
|Financial Planning 5
(Through QT Financial Planning Pty Ltd)
|Initial consultation free
20% off financial plan preparation fee
|QTMB Platinum Mastercard 6
||No annual fee
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The Repayment Pause Option is available for Owner Occupied Mortgage Breaker loans only. Maximum LVR 90% at time of request for standard loans only. Repayment Pause to be used in instances of reduced household income normally associated with Parental Leave, Leave without Pay for extended holiday, etc. Not to be used for instances of financial hardship. Term of loan does not increase if repayment pause is taken. Two repayment pauses in total available over the life of the loan, however they must be at least 12 months apart. First repayment pause available 12 months after loan funding date. All other lending criteria to apply.
Product issuer is QT Mutual Bank Limited ABN 83 087 651 054 AFSL 241195. A Term Deposit Product Disclosure Statement (PDS) is available at qtmb.com.au or from any QTMB branch. 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 $1 million ask for a quote.
QT Mutual Bank Limited ABN 83 087 651 054 (QTMB) AFSL 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, Car Insurance, Boat Insurance and Caravan Insurance are issued by CGU. This is general advice only and does not take into account your personal circumstances. A Product Disclosure Statement (PDS) is available for any of these products from www.qtmb.com.au
, any QTMB branch or CGU office. You should consider your personal circumstances and 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.
QT Mutual Bank Limited (QTMB) provides customers with credit assistance in relation to the QTMB Platinum MasterCard and also gives assistance to customers in relation to credit limit increase for the Card. QTMB assists customers as part of our arrangements with Citigroup Pty Limited. Credit provider is Citigroup Pty Limited ABN 88 004 325 080, Australian credit licence 238098.