Our rates and fees

(1) This owner occupier variable rate home loan is for new borrowings and refinances from other financial institutions outside of BankVic. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI). Victoria Police, Health and Emergency services employees can borrow up to 90% of the property value and pay no LMI for new purchases within Metro Melbourne including Geelong. Offset account not available. Approval subject to BankVic's credit assessment.

(1) Fixed rates apply for owner occupied loans with principal and interest repayments, at the end of the Fixed Rate period the interest rate will revert to our variable rate applicable at that time. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI). Victoria Police, Health and Emergency services employees can borrow up to 90% of the property value and pay no LMI for new purchases within Metro Melbourne including Geelong. You can make up to $10,000 pa in additional payments without incurring any penalty cost, any amounts exceeding $10,000 may incur a break cost. Please see the fees and charges guide for more information. Approval subject to BankVic's credit assessment.

(1) This investor variable rate property loan is available for new borrowings, refinances and top-ups. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI) or up to 90% of the property value with LMI. Offset account not available. Approval subject to BankVic's credit assessment.

(1) Fixed rates apply for investment loans with principal and interest repayments, at the end of the Fixed Rate period the interest rate will revert to our investor variable rate applicable at that time. Borrow up to 80% of the property value with no Lenders Mortgage Insurance (LMI) or up to 90% of the property value with LMI. You can make up to $10,000 pa in additional payments without incurring any penalty cost, any amounts exceeding $10,000 may incur a break cost. Please see the fees and charges guide for more information. Approval subject to BankVic's credit assessment.

(1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

(2) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.

(1) Introductory rates are applicable to purchases and balance transfers for the first six months from account opening.

(2) Balance transfer is limited to two credit cards per Visa credit card account and excludes transfers from other BankVic credit cards.

(1) Deposit $100 per calendar month, with no withdrawals and we'll reward you with bonus interest. Bonus interest rate is capped at a maximum balance of $1,000,000.

(1) Interest is calculated using the 'part' balance method on each balance amount that falls within the respective balance tier

(1) Important advice on early redemptions: Interest rates are fixed for the term of the deposit selected. Available rates vary according to the term of deposit selected and the amount of deposit.
If an early redemption is required, your request must be made in writing to us - advising the amount that is needed, the reason and the withdrawal details. If the account is held in joint names, all parties are to sign the request, regardless of the method of operating the account. Please note that we will apply an interest rate reduction.

(1) Important advice on early redemptions: Interest rates are fixed for the term of the deposit selected. Available rates vary according to the term of deposit selected and the amount of deposit.
If an early redemption is required, your request must be made in writing to us - advising the amount that is needed, the reason and the withdrawal details. If the account is held in joint names, all parties are to sign the request, regardless of the method of operating the account. Please note that we will apply an interest rate reduction.

(1) Important advice on early redemptions: Interest rates are fixed for the term of the deposit selected. Available rates vary according to the term of deposit selected and the amount of deposit.
Deposits cannot generally be withdrawn prior to maturity. However, we may (at our discretion) agree to a request for the full or partial redemption of a deposit prior to the expiry of its full term.
If an early redemption is required, your request must be made in writing to us - advising the amount that is needed, the reason and the withdrawal details. If the account is held in joint names, all parties are to sign the request, regardless of the method of operating the account. Please note that we may (at our discretion) apply an interest rate reduction.

(1) RSA Variable: Tiered with the rate of interest applicable to the balance of your RSA variable account being that as stated above in this table. The rate is applied to the whole balance of the RSA variable account, with the 'whole balance' excluding any balance in a RSA term deposit. Quoted net of all administration fees and before taxes and any government charges. Rates are subject to change at any time. RSA Term Deposit: Minimum of $50,000 deposit. Interest is calculated daily and credited to the RSA variable account every 30th of June and/or on maturity. Quoted net of all administration fees and before taxes and any government charges. Rates are subject to change at any time.