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Solutions Plus Home Loan

Everything you want in a home loan
The Solutions Plus Home Loan offers a discounted standard variable rate for the life of the loan and is only available, to eligible members, with our Rewards Package whether you’re an investor or owner-occupier. With the Rewards Package you will enjoy a number of benefits and discounts to compliment your home loan.


Suitable for loan amounts over $250,000 and offers a discounted standard variable rate for the life of the loan.

Main features

  • Rewards Package
  • No monthly fees
  • A fee free redraw facility
  • Offset facility

Special conditions

  • Applicants must be eligible for the Rewards Package1

Access options

  • Internet banking
  • Mobile banking
  • Phone banking
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Features and benefits



  • Repayment pause
  • Option to split your loan with a fixed rate loan
  • Interest only repayment option available
  • Ability to refinance
  • Rewards Package
  • A fee free redraw facility
  • No penalty for early repayment
  • No top up fee application
  • Offset facility


  • 24/7 access via internet banking
  • 24/7 access via mobile banking
  • 24/7 access via phone banking
  • No minimum redraw

Rates, fees and limits


Interest rate effective date

1 September 2013

Interest rate

Comparison rate

Interest rate type Variable

Interest calculated Daily

Interest applied Monthly

Term 30 years

Minimum amount $250,000 ($25,000 if splitting loan)

Maximum amount Up to 95% of purchase price with Lenders Mortgage Insurance and/or Mortgage Repayment Insurance (Up to 80% without)

Establishment fee $600

Top up fee $0

Additional valuation and administration fee $250

Rewards Package fee $200 (annual)

Settlement attendance fee $150

For full details of our home loan fees please review the Fees and charges brochure.

*Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate. This comparison rate applies to the home loan fee waiver promotion which commenced on 13 February 2014 and ends on 13 May 2014 and is subject to meeting all of the conditions of the promotion including that the loan is fully funded by 21 June 2014. For full details of the promotion see www.tmbank.com.au/incredible.
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