Advantage Package

¹ The Advantage Package will support up to 10 Portfolio sub-accounts in a Package and up to 5 sequence loans (e.g. loans with Flexible Choice). Note when Lenders Mortgage Insurance (LMI) applies, only single sequence loan or Portfolio Loans can be Packaged.
² All applications for credit are subject to the Bank's prevailing credit criteria. Fees and charges are payable and terms and conditions apply. Full details of all relevant terms and conditions are available on request.
³ The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans. Standard interest rate discount, for loans between $100,000 and $149,999, of 0.25% p.a. discount will be applied; for loans between $150,000 to $249,999, 0.50% p.a. discount will be applied. No discount applies for loans below $100,000. Special interest rate discounts for loans between $250,000 and $499,999, for new packaged loans and loan amounts applied for between 1 April 2012 and 31 May 2012, 0.85% p.a. discount will be applied. For loans greater than $500,000, for new packaged loans and loan amounts applied for between 1 April 2012 and 31 May 2012, 0.90% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% p.a. discount and do not apply to internal refinances and are not transferrable between loans. Advantage Package annual fee, currently $395, is payable from an eligible Bank of Melbourne transactional account.
⁴ Credit card purchase rate is subject to change and excludes cash advances
⁵ Credit card cash advance rate is subject to change. Interest on cash advances is calculated from the date the transaction is made.
⁶ All applications for credit are subject to the Bank's credit criteria. Fees and charges are payable and Terms and Conditions apply. Call us on 13 22 66 for a copy of the Terms and Conditions for any product.
⁷ The case study is an example only and loan repayments are on principal and interest rates. The figure quoted is an approximation. If you are on Principal and Interest payments, as your Principal reduces, so do your savings. The Home Loan Protection discount is based on an approximate premium for Life and Repayment cover. The Home and Content discount is based on an approximate premium for Home and Contents Insurance cover. The Protection Plan discount is based on an approximate premium for a Protection Plan. Discounts will vary depending on cover.
⁸ Home and Contents Insurance is issued by Westpac General Insurance Limited and distributed by Bank of Melbourne, a division of Westpac Banking Corporation. Consider the Home and Contents Insurance Product Disclosure Statement and whether the insurance is appropriate for you. Discount cannot be combined with any other discount offers.
⁹ Westpac Life Insurance Services Limited ABN 31 003 149 157 (Westpac Life) is the insurer of Protection Plans. All Protection Plans are issued by Westpac Life, except for Term Life as Superannuation, which is issued by Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL). The trustee of Term Life as Superannuation is WSAL which is part of the Superannuation Division of Westpac MasterTrust ABN 81 236 903 448. These policies are distributed by Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 (Bank of Melbourne). Westpac Life is a subsidiary of Westpac Banking Corporation (Bank). Bank of Melbourne Financial Planners are representatives of the Bank. These policies are not an investment in or deposit with the Bank. Neither Bank of Melbourne, the Bank nor any member of the Westpac Group (other than Westpac Life as insurer) guarantees these policies.
¹⁰ The interest rate discounts are only available in Advantage Package for Fixed Rate Loans $150,000 or greater. Advantage Package annual fee, currently $395, is payable from an eligible Bank of Melbourne transactional account.

* The free APM Property Profile Report is only available if you are considering the Advantage Package Home Loan and meet with a Bank of Melbourne home loan expert in person by 29 February 2012. This offer may be extended at Bank of Melbourne’s discretion.

^# While the APM Property Profile Report is being offered to Bank of Melbourne customers with permission from Australian Property Monitors Pty ACN 061 438 006, Bank of Melbourne accepts no responsibility for its accuracy or completeness. We recommend you seek independent advice before making a decision based on this information.

^## This offer is available on applications received from 1 April 2012 to 31 May 2012 and settled by 15 July 2012 under the Advantage Package. Eligible Bank of Melbourne home loans under Advantage package are [Standard Portfolio Line of Credit, Standard Variable Rate Loan, Standard Fixed Rate loan, Discount Variable Rate Loan, and 1 year Introductory Fixed Rate Loan]. You must hold a Bank of Melbourne transaction account and direct debit your repayments in order to receive the rebate. You must nominate a Bank of Melbourne home loan or deposit account for the $700 payment to be deposited into. Where no account is nominated prior to settlement, the payment will be made into the new home loan account at settlement. The $700 payment only applies to new personal or investment home loan applications for secured borrowings of $250,000 or more where the loan purpose is to refinance. Offer is not available for loan refinances of existing Bank of Melbourne home loans, St George, and BankSA home loans. An annual Advantage Package fee currently $395, applies. This offer is limited to one home loan application (including single or multiple applicants) and cannot be used in conjunction with any other offer. Conditions, fees and charges apply and are available on request. All applications for credit are subject to Bank of Melbourne’s prevailing credit criteria. Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12)