TERMS & CONDITIONS: This special rate is available for Owner Occupied Home Loan Refinance applications (from other financial institutions) only, received from 1 October 2016 to 9 December 2016 and must be settled by 31 January 2017. Minimum loan amount $150,000. Eligible members who refinance their loan to BankVic during the campaign period will receive $1,000 cash back deposited into the loan account and their establishment fee waived. The cash bonus applies to new home loans and is not available on existing BankVic home loans for top ups or switching loan products. This offer is limited to the first 50 eligible members. A special 2 year introductory variable rate applies. After this time the loan then reverts to the Standard Variable Rate. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Each home loan comparison rate has been calculated on a home loan of $150,000 over a term of 25 years, secured by freehold property, located within the metropolitan area and associated costs. Each loan application is subject to our standard credit assessment and approval criteria. Fees and charges apply. Information on our terms and conditions, interest rates and fees and charges are available on application or request.