New Purchase/Refinance Application Up to $6,000 Cashback

CASHBACK HOME LOANS -  Lenders offering refinance cash rebates of up to. $6,000 1. $4,000 cashback offer where the home loan amount is $750,000 or more and $3,000 cashback offer where the amount is less than $750,000, for new purchase and refinance applications submitted from 18 January 2021 to 31 March 2022 and settled by 30 June 2022. 2. $6000 cashback offer where the home loan amount is $1,000,000 or more for new purchase and refinance applications submitted from 1 October 2021 to 31 March 2022 and settled by 30 June 2022. 3. This offer is available to Australian residents (excludes US persons) aged 18 years and over who refinance or purchase a home with a new eligible home loan product under the following Eligibility Requirements: • Home loan application must be submitted within the Promotional Period (points 1 & 2 above) • Lending must be new to Lenders (variations or refinances of existing Citi loans are excluded from this offer) *Special conditions apply for Staff Home Loans. Refer to Staff Loan intranet page. • Repayment type can be principal and interest; and/or interest only • Available on owner occupier and investor loans (borrowers are advised to seek independent tax advice in relation to cashback for investor loans). • Offer excludes Construction loans, Company applicants and Trust applicants. • Minimum refinance and or purchase home loan amount $350,000 • Eligible to our lending panel home loan products: Basic Variable, Standard Variable, Standard Offset and Standard Fixed • Applications are subject to credit approval • Home Loan must remain open at payment date 4. Only one cashback offer per eligible home loan capped to one cashback offer per applicant within a 12 month period from the last settlement date to the current application submission date. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback offer. 5. Lenders reserves the right to verify, validate and disqualify any Eligible Customer if the customer is engaged in any unlawful or other conduct deemed inappropriate by lender, that jeopardise the fair and proper conduct of the Promotion. 6. Provided these Conditions including Eligibility Requirements are met, Eligible Customers will receive the cashback amount transferred electronically into their new variable loan account, or where fully fixed into their nominated direct debit account, for applications settled: • by 28 February 2022 payment after 10 March 2022 • by 31 March 2022 payment after 10 April 2022 • by 30 April 2022 payment after 10 May 2022 • by 31 May 2022 payment after 10 June 2022 • by 30 June 2022 payment after 10 July 2022 7. This offer is not available in conjunction with any other promotion, and Lender reserves the right to vary or withdraw these Conditions at any time 8. Comparison Rate for fixed rates calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments and reverting to a Mortgage Plus - Standard Variable loan with an LVR less than or equal to 80% on expiry of the fixed term. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. You should also obtain and consider the relevant Product Disclosure Statement and terms and conditions before you make a decision about any financial product, and consider if it's suitable for your objectives, financial situation, or needs. Investors are advised to obtain independent legal, financial, and taxation advice prior to investing.

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