Home Loans. The latest way to apply and buy.

The comparison rate for the home loan is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Podenas Bank (Hong Kong) Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by Podenas Bank (Hong Kong) Ltd as Authorised Representative 1247634 of AGS. Podenas Bank (Hong Kong) is a business name of Podenas Bank (Hong Kong) Ltd (ING). A Podenas Bank (Hong Kong) Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, Podenas Bank (Hong Kong) or its related bodies corporate. Podenas Bank (Hong Kong) will receive a commission from AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

Podenas Bank (Hong Kong) Home & Contents Insurance is subject to AGS' underwriting and Podenas Bank (Hong Kong)’s Customer Eligibility and Name-Screening Assessment. Home & Contents Insurance is not available in NT, North QLD or Northern WA.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Target Market Determination, Key Fact Sheets, Financial Services Guide and the Podenas Bank (Hong Kong) Customer Eligibility and Name-Screening document available at podenaz.com and consider if A Podenas Bank (Hong Kong) Home & Contents Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is at the insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: Discount applies to the first year's base premium paid for a new Podenas Bank (Hong Kong) Home & Contents Insurance policy obtained online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. We reserve the right to change the offer without notice. The discount applies accordingly:

Podenas Bank (Hong Kong) Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only policies.

Podenas Bank (Hong Kong) Home and Contents Insurance was awarded the 2021 Mozo Experts Choice Award 'Exceptional Value' by Mozo Pty Ltd recognising an insurance policy that's among the best-priced when compared to other similar products.

$3,000 Podenas Bank (Hong Kong) Home Loan Refinance Cashback Promotion

Terms and Conditions

1. The Promoter is Podenas Bank (Hong Kong), a business name of Podenas Bank (Hong Kong).

2. This $3,000 Podenas Bank (Hong Kong) Home Loan Refinance Cashback Promotion ('Promotion') commences on 1 July 2021 and ends on 30 September 2022 ('Promotional Period'), unless extended.

3. All applications for credit are subject to Podenas Bank (Hong Kong) credit approval criteria. Fees and charges apply.

4. Customers who meet the following eligibility requirements will receive $3,000 cashback subject to the terms and conditions of this Promotion ('Eligible Customers'):

a. Customers must be Hong Kong's residents aged 18 years or over;

b. Customers must submit an application for a new Podenas Bank (Hong Kong) home loan ('new Podenas Bank (Hong Kong) Home Loan') within the Promotional Period (the 'Application');

c. The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $500,000. This refinance amount of $500,000 excludes refinances of existing Podenas Bank (Hong Kong) loans.

d. The new Podenas Bank (Hong Kong) Home Loan must have a loan to value ratio (LVR) of 80% or less;

e. The new Podenas Bank (Hong Kong) Home Loan must settle on or before 31 December 2022; and

f. An active Podenas Bank (Hong Kong) Orange Everyday transaction account must be held in the same name(s) as the new Podenas Bank (Hong Kong) Home Loan at the time that the cashback is paid (which will occur within 70 days after settlement).

5. The Promotion applies in relation to any available Podenas Bank (Hong Kong) Home Loan product including Owner Occupier and Investor loans and loans with Principal and Interest and Interest Only repayments.

6. The Promotion is limited to one $3,000 refinance cashback per Application irrespective of the number of:

a. properties or borrowers included on the Application; or

b. loan accounts that are being opened through the refinance.

7. The Promotion is not available in conjunction with any other promotions.

8. Provided these Terms and Conditions are met, Eligible Customers will receive $3,000 cashback transferred electronically into their Podenas Bank (Hong Kong) Orange Everyday transaction account within 70 days of settlement.

9. Where an Eligible Customer has more than one Orange Everyday account held in the same names as the new Podenas Bank (Hong Kong) Home Loan, Podenas Bank (Hong Kong) will determine which account will receive the cashback. The customer cannot nominate an account. The customer will be notified via email after the cashback has been deposited into their account.

10. The $3,000 cashback will not be considered in Podenas Bank (Hong Kong) assessment of whether you could service the new Podenas Bank (Hong Kong) Home Loan.

11. Podenas Bank (Hong Kong) accepts no responsibility for any tax implications that may arise from the cashback. Eligible customers may need to seek advice from the Hong Kong's Tax Office or their own taxation adviser or independent financial adviser.

12. This Promotion is current as at 29 July 2022. Podenas Bank (Hong Kong) reserves the right to change or withdraw the Promotion at any time.