Important update for new borrowers
* Documents sent after 9 November 2023 include the changes. Other members will have the benefit of changes to our processes, although documents will not change.
Updated document list
The following changes will take effect in respect of your Letter of Offer:
• In any provision where we are required to form an opinion, exercise a discretion, make an election, make a determination or form or hold an opinion or be satisfied regarding any fact (including the form of another agreement or document), event or circumstances, in doing so, we will act reasonably.
• If you have a fixed rate home loan, please refer to this Break Cost Fact Sheet that sets out details about our Break Cost fee formula, including a description of the formula.
This notice will not legally alter the terms of any mortgage, but we will act in a manner consistent with these changes that are to your benefit. Where we have issued you a mortgage document as part of a Home Lending process, we will only exercise our rights in respect of that mortgage where consistent with the Memorandum of Standard Terms of Mortgage in the link below.
Disclosure Documents
There is certain information we are required to provide relating to our products and services to ensure you make the right choice for your individual circumstances, and are fully aware of your rights and obligations, as well as all fees and charges.
- Whistleblower Policy
- Whistleblower Procedure
- Complaint Management Promise
- Fees & Charges
- Accounts & Access Facilities Terms & Conditions
- Legacy Fees & Charges
- Financial Services Guide (FSG)
- Consumer Data Right Policy
- Credit Guide
- Credit Guide - Credit Assistance Provider
- Lending Terms & Conditions
- Business Lending Terms & Conditions
- Wholesale Deposit Facilities Terms & Conditions
- Rates
- Privacy Policy
- Privacy Notice for Prospective Members
- Term Deposit Accounts Terms & Conditions and Fees & Charges
- Term Investment - Notice to Depositor
- People's Choice: Safe and Secure
- Customer Owned Banking Code of Practice
- Customer Owned Banking Code of Practice (2018)
- Credit Card Key Facts Sheet
- Break Cost Key Facts Sheet
- Target Market Determinations
- Consumer Data Right Platform Terms of Use
- Digital Wallet Terms of Use
- Annual Report Opt-in
Public Notices
Insurance Product Disclosure Statements
- Boat Insurance
- Travel Insurance
- Motor Vehicle Insurance
- Caravan Insurance
- Home and Content Insurance Listed Events with Flood Cover
- Home and Contents Insurance (Accidental Damage) with Flood Cover
- Landlords Residential Property Insurance with Flood Cover
- Home Building Key Facts Sheet
- Home Contents Key Fact Sheet
In addition to these legal requirements, listed below are some other important documents which may assist you with your day-to-day banking:
For more information about any of these products contact us on 13 11 82 or visit any branch.