The Home Owner Banking Package is our ultimate banking solution. This Banking Package allows you to streamline your banking and is beneficial for home owners looking to save on interest rates, transaction fees and other products.

Home Loan interest rate savings

As a Home Owner Banking Package Member, you are entitled to several Home Loan interest rate discounts, including:

	Up to 0.70%^ off our already low Standard Variable Interest Rate
	0.10% off our 3-year and 5-year fixed rate Home Loans
	0.20% off our Standard Variable Interest Rate for a Bridging Loan

Depending on your specific circumstances, these benefits alone can result in thousands of dollars of savings over the term of your loan!

Additional benefits

In addition, you'll receive numerous other benefits, including:

	Unlimited free withdrawals*
	Up to 4 months loan repayment holiday
	No monthly loan service fee
	No monthly membership service fee
	No Home Loan mortgage preparation fee
	No top-up or loan switching fee
	Borrow up to 97% of valuation**
	Fee free Loan Redraw
	No Personal Loan application fee
	0.10% bonus interest on published Term Deposit interest rates
	Visa Card at our standard variable home loan interest rate (with no annual fee)
	10% off range of Insurance products
	10% off Travelex Foreign Exchange products
	Free Entertainment Book

All of this for an annual Banking Package fee of $350. If you consolidate your banking services and take advantage of benefits as part of SERVICE ONE's Home Owner Banking Package, chances are the annual savings you will make will far outweigh the annual Banking Package fee.

^{*'Withdrawals' include over the counter withdrawals, personal cheque withdrawals, direct debits and EFTPOS and rediATM withdrawals.
**Loans over 80% are subject to lenders mortgage insurance.
^0.40% discount for loan balances between $150,000 and $250,000 (inclusive); 0.60% for between $250,000 and $750,000; 0.70% for more than $750,000.}