A product fee is an upfront fee that is associated with particular interest rate. Interest rates with product fees are typically lower and therefore allow you to have lower monthly payments.

Our product page includes all our mortgage options with product fees, you can find them here.

We have interest rates with and without fees that you can discuss with your mortgage advisor during your advice call, once you've had an offer accepted on a property.

Your mortgage advisor will recommend which interest rate and fee combination is the most cost effective for you, as it depends on the size of your mortgage, term and fixed rate period.

Please note our product fees are refundable, if the mortgage does not complete.