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Changes to Credit Reporting
We would like to update you on some important changes we are making to the way we report your credit information and the impact it may have on your credit report.
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Assistance options are available to support customers financially impacted by COVID-19.
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Care Package
Promotional Term Deposit Rates
Receive an additional 0.10% p.a. interest on all Term Deposit Rates.
Term Deposits are available with terms ranging from 30 days to 5 years.
This offer also applies to our Interest First Term Deposit which pays your interest at the start of the term, rather than at maturity.
0% Credit Card interest for 6 months2
0% interest for 6 months is available on our award-winning Visa Classic and Platinum Credit Cards, which offer:
- No monthly administration fees.
- Quick approval.
- Easy repayment options.
- No annual fee on the Visa Classic Credit Card.
Our Platinum Credit Card also offers:
- No monthly administration fees.
- Quick approval.
- Easy repayment options.
Offer available to purchases and balance transfers. Maximum credit limit $10,000.
Home Loan discounts
Enjoy benefits across our suite of Home Loans, tailored to suit the needs of every type of buyer, with:
- 0.10% p.a. discount on variable and fixed Home Loan products (excluding our First Rate Home Loan).
- $0 Home Loan establishment fee - saving up to $600.3
- Ability to have a Loan-to-Value ratio of up to 85% without having to pay Lenders Mortgage Insurance.4
Need help? Our Mobile Bankers can assist.
Discounted Car Loan rates
Drive away in a new set of wheels with a 3%5 discount on our competitive Car Loan rates.
Customers will also have their establishment fee waived – saving $150.
Our Car Loans offer:
- No application fee.
- Weekly, fortnightly or monthly repayments.
- Free Redraw with a $500 minimum.
- Interest calculated daily and charged monthly in arrears.
- No early repayment penalty on variable rate loans.
Personal Loan discounts
Receive a 0.10% p.a. discount off already competitive Personal Loan rates.
Customers will also have their establishment fee waived – saving $150.
Our Personal Loans can be used for many purposes and offer:
- No application fees.
- No ongoing fees.
- Free redraw (minimum $500).
- No early repayment penalties on variable rate loan.
- Additional repayments accepted.9
- Weekly, fortnightly or monthly repayments.
- Fixed rates available.
- No maximum loan amount.
- Optional loan repayment insurance.10
Financial Planning offers
Employees will also receive:
- A free initial Financial Planning consultation ($150 saving).
- 50% discount on plan preparation fee for Risk Insurance Only Statement of Advice.
Our Financial Planners are qualified, salaried employees and provide advice on:
- Retirement planning.
- Tax-effective income streams in retirement.
- Salary packaging.
- Superannuation.
- Tax-effective strategies.
- Investing.
- Aged Care.
Consultations typically take place at our service centres in Hawthorn East or Moonee Ponds or via Skype.
Find out more about our Financial Planning services.
Premium insurance cover11
We offer a range of quality insurance covers through our trusted partners.
Employee may also receive
- 10% discount on 1st year premium when you take out Home Insurance, Landlord Insurance, Motor Vehicle or Travel Insurance.
- 7.5% discount on health insurance policies.12
You’ll also experience great customer-service from the Bank First team if you have any queries or need to make a claim.
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Building & Contents
- A choice of cover: Accidental Damage, Listed Events or Fundamentals policies.
- Cover available for Building, Contents and Valuables at and away from your home.
- Up to $20 Million legal liability cover.
- Voluntary excess options to lower your premium available.
- Pay fortnightly or monthly at no extra cost.
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Motor Vehicle
- Flexible cover options. Choose from Comprehensive, Third Party Fire & Theft and Third Party Only policies.
- A variety of policy options including: Market or Agreed Value, No Claim Bonus Protection, Windscreen Extension.
- Legal liability cover.
- Pay fortnightly or monthly at no extra cost.
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Landlord
- Cover available for malicious acts by tenant, rent default and theft by tenant.
- Strata title mortgage protection.
- Voluntary excess options available.
- Pay fortnightly or monthly at no extra cost.
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Travel
- Overseas emergency medical, hospital and dental expenses.
- Additional accommodation and travel expenses.
- Cancellation fees and lost deposits.
- Resumption of overseas journey.
- Luggage and personal effects.
- Loss of travel documents.
- Accidental death, permanent disability and loss of income.
- Personal liability.
- Travel delay.
Important Information
Offers only available to employees of BlueCross or Mercy Health who use the promotional code CARE.
This information does not take into account your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or the relevant Product Disclosure Statement (PDS) before acquiring a product. These documents are available at our branches or by contacting us on 1300 654 822.
1. Other fees and charges may apply.
2. Subject to approval. Excludes cash advances. Variable interest rate. Fees and charges apply. Full details on request. Once 6-month period is over the Visa Classic Card and Visa Platinum Card will revert back to the Standard Variable rate, currently 12.54% p.a and 9.59% p.a. respectively.
3. Applicants who decide not to proceed with the loan may incur establishment fees.
4. Lenders Mortgage Insurance (LMI) is only required if the loan exceeds 80% of the property value or 85% for Premier Package Home Loan holders where approval conditions are met. These conditions include applicants to be employed in the Education and Healthcare sectors, owner occupied only, no equity release with refinanced loans, no off the plan or construction loans, standard security types, some postcode restrictions apply. LMI protects the lender. Loans of up to 95% Loan to Value Ratio (LVR) can be approved, subject to meeting LMI approval conditions and may be extended to 98% inclusive of LMI fee capitalisation for First Home Buyers.
5. The 3% discount is off the standard car loan rate.
6. Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years.
7. Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years.
8. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and Conditions available upon request.
9. No early repayment penalty is applicable on a variable rate. A break cost fee applies during periods of fixed interest.
10. This insurance product is issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227 681 trading as CGU Insurance.
11. Standard underwriting criteria and policy terms and conditions apply. Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 trading as CGU Insurance (CGU). In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Bank First (Bank First), acts under its own AFSL and under an agreement with CGU, not as your agent. Bank First receives commission when selling CGU insurance products. Please refer to Bank First’s Financial Services Guide (FSG) for details of these commissions.
12. 7.5% discount includes all retail discounts and is only available when paying by direct debit. The discount is not available through brokers or comparators, and excludes Overseas Visitor Cover. Not to be used in conjunction with any other offer or discounts.