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  • Solid Gold Saver - High Interest Savings Account - Bankwest
    to apply managing your savings term deposits tools calculators savings term deposit tools savings calculator term deposit calculator budget planner contact us rates fees find us security Log on to Online Banking Personal Online Banking Business Share Trading Insurance More Rewards Business Rewards Search home personal savings term deposits compare savings term deposits solid gold saver Solid Gold Saver http s7 addthis com js 250 addthis widget js pubid bwwebadmin Print this page 2 75 p a solid gold rate variable earn the variable Solid Gold rate each month you make no withdrawals personally manage your account in store minimum balances of 10 000 Overview Features Rates Fees How to Apply Get rewarded with a 2 75 p a interest when you don t make any withdrawals personally manage your account in store interest can be redirected each month cheque access periodical payments Bankwest debit cards online banking view and credit transfers only not for withdrawals phone banking for balance and transaction enquiries and to transfer funds to your account from another Bankwest account only not for withdrawals each withdrawal from the account including a periodical payment will reduce the interest rate a minimum deposit of 10 000 or more is required to open the account Interest is paid on balances over that amount for your security photographic identification will be required for over the counter cash cheque withdrawals for amounts of 3 000 or more direct credits to the account are permitted save this product useful stuff managing your money careers media centre site map terms conditions accessibility privacy policy financial hardship 2014 Copyright Bankwest a division of Commonwealth Bank of Australia Bankwest ABN 48 123 123 124 AFSL Australian credit licence 234945 All rights reserved To use this Website you are required to read the Financial Services Guide

    Original URL path: http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/solid-gold-saver?tab=features (2014-07-08)
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  • Solid Gold Saver - High Interest Savings Account - Bankwest
    deposits compare savings term deposits solid gold saver Solid Gold Saver http s7 addthis com js 250 addthis widget js pubid bwwebadmin Print this page 2 75 p a solid gold rate variable earn the variable Solid Gold rate each month you make no withdrawals personally manage your account in store minimum balances of 10 000 Overview Features Rates Fees How to Apply We understand you are busy so to make things easier we offer a variety of ways to apply for your Solid Gold Saver Pop into a store Feel free to drop into any Bankwest store and apply in person Our Locator will help you find your nearest store What you will need If you re an existing Bankwest customer If you already bank with us that s great You will only need to bring the following with you Personal details Tax File Number If you re brand new to Bankwest Welcome to Happy Banking We will need to confirm who you are so please bring in the following Personal details Tax File Number Identification documents original or certified copies One form of primary ID with a photo or One form of primary ID without a photo plus one form of secondary ID To see what you can use as ID documents check out our simple guidelines here s a checklist of what you will need to apply Give us a call Call 13 17 19 to open a Solid Gold Saver over the phone Monday to Friday 6am 6pm AWST Saturday 8am 4pm AWST Sunday 8am 1 30pm AWST What you will need Have the below details on hand when you call Personal details Tax File Number here s a checklist of what you will need to apply save this product useful stuff managing your money careers

    Original URL path: http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/solid-gold-saver?tab=how-to-apply (2014-07-08)
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  • need assistance?
    13 17 19 find your nearest store tweet bankwest careers media centre site map terms conditions accessibility privacy policy financial hardship 2014 Copyright Bankwest a division of Commonwealth Bank of Australia Bankwest ABN 48 123 123 124 AFSL Australian credit licence 234945 All rights reserved To use this Website you are required to read the Financial Services Guide which you agree to be provided by accessing the link Bankwest is

    Original URL path: http://www.bankwest.com.au/need-assistance?smid=1269941335130&view=needAssistance (2014-07-08)
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  • Balance transfer credit cards - Terms & Conditions small print
    home personal credit cards managing your credit card apply for a balance transfer balance transfer terms conditions small print balance transfer terms conditions small print http s7 addthis com js 250 addthis widget js pubid bwwebadmin Print this page You may at any time request us and we may agree to transfer any debit balance of a credit card store card or charge card account held with another Australian financial institution by you or an Additional Cardholder to the card account subject to the following terms we do not accept balance transfers from any Bankwest credit cards only Australian issued non Bankwest credit store cards can be balanced transferred you or the Additional Cardholder as relevant are not in default of the terms and conditions applicable to the account from which the transfer is made the request will only be processed up to 95 of the limit applicable to your card at the time of processing If you request a higher amount we will only process up to 95 of your current credit limit we will process the balance transfers in the order that you request them and we will not be responsible for any delay or any charges in connection with processing a request for a balance transfer we will not close a card account held with other financial institutions If you wish to or are required to close a card account you will need to arrange this a request will only be processed to your card account once the card has been activated find out more complete our Balance Transfer Request Form PDF 503 341796875KB and either mail it to Bankwest Reply Paid 64 Perth WA 6838 or fax it to 1300 765 515 lost your card or had it stolen let us help you protect what s

    Original URL path: http://www.bankwest.com.au/personal/credit-cards/managing-your-credit-card/apply-for-a-balance-transfer/balance-transfer-terms-conditions-small-print (2014-07-08)
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  • What You Will Need to Apply for a Credit Card - Bankwest
    here s a checklist of what you ll need to apply Identification details for new customers If you re brand new to Bankwest welcome Once your application is approved we ll need to confirm who you are so pop into your nearest Bankwest store with an original or certified copy of your choice of the following one form of primary ID with a photo i e passport or driver s license or one form of primary ID without a photo i e birth certificate or Citizenship papers plus one form of secondary ID i e a utility bill To see what else you can use as ID documents check out our simple guidelines Not near a Bankwest store No worries Print out our identification form PDF 266 724609375KB and take it down to your local Australia Post Bank Post outlet along with your ID Details for new and existing customers Whether a new or an existing customer you may also need to provide us with additional information such as your two latest original pay slips displaying your employer s name must not be hand written or last year s group certificate or tax return if you are self employed we will need your financial statements with tax returns for the last two years confirmation of other income or expenses trust income Centrelink benefits Family Law Court agreements etc details of your monthly expenses e g utility bills credit card statements hire purchase agreements details of any loans you have that are not with Bankwest details of your declared ongoing living expenses food electricity rates water transport school personal care holidays entertainment and other Our budget planner tool can help you with this Ready to apply Selecting your credit card and applying online is quick and easy how can we help

    Original URL path: http://www.bankwest.com.au/cs/ContentServer?packedargs=pagepath=%2Fpersonal%2Fcredit-cards%2Fhow-to-apply%2Fwhat-you-will-need&c=Page&childpagename=Bankwest/Page/controller&rendermode=previewnoinsite&pagename=Foundation/wrapper&cid=1269940420997 (2014-07-08)
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  • Reverse Mortgage Calculator – Bankwest
    2014 Copyright Bankwest a division of Commonwealth Bank of Australia Bankwest ABN 48 123 123 124 AFSL Australian credit licence 234945 All rights reserved To use this Website you are required to read the Financial Services Guide which you agree to be provided by accessing the link Bankwest is a division of Commonwealth Bank of Australia which is the product issuer unless otherwise stated Rates stated are subject to change

    Original URL path: http://www.bankwest.com.au/personal/home-loans/calculators/reverse-mortgage-calculator (2014-07-08)
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  • First Home Buyers Guide – Buying Your First Home With Bankwest
    you spend each month what other debts and assets you have your credit history and the cost of the home you want to buy For a ballpark idea of how much you can borrow check out our online calculator or if you have a figure in mind work out what your repayments will be A home loan conditional pre approval will ensure you start your house hunting in the right price bracket It also shows potential sellers you mean business Call 13 17 19 to make an appointment with one of our Lending Specialists and arrange for conditional pre approval call our home loan hotline on 1300 424 180 or visit any store Which loan is right for me Loans can be divided into two basic categories variable and fixed loans Fixed loans are great if you think interest rates are going to rise and you want the certainty of knowing how much your repayments will be each month Variable loans are good if you want more flexibility with repayments Your third option is to combine the two and make part of your loan fixed and part variable Loan Type Pros Cons Variable additional repayments can be made without penalty when interest rates drop the savings will be passed on to you when interest rates rise your repayments will go up Fixed your repayments stay fixed so budgeting is easier during the fixed period even if interest rates go up your rate stays the same you have less flexibility to make additional repayments if interest rates go down your rate stays the same and you miss out on the savings if you choose to exit or switch your loan there may be early termination fees If you still can t figure out which is the right loan for you don t worry We have a team of lending experts who are happy to walk you through your options and crunch some numbers for you Feel free to call our home loan hotline 24 7 on 1300 424 180 We re also very happy to come to you A little paperwork before you apply To help us process your application as quickly as possible you ll need to supply the following paperwork Your last two consecutive pay slips or last year s group certificate or tax return If you are self employed financial statements with tax returns for the last three years Details of your monthly expenses what you own and what you owe Confirmation of other income or expenses Trust income Centrelink benefits Family Law Court Agreements etc Details of savings passbooks statements etc If you are applying to refinance a loan which is currently with another lender a copy of the last 6 months loan statements If you are looking to purchase a property and already have the Contract of Sale please bring this along If you want a loan to build please bring a copy of the signed building contract including plans and specifications Don t forget ID

    Original URL path: http://www.bankwest.com.au/personal/home-loans/choosing-the-right-home-loan/first-home-buyers-guide?tab=how-much-to-borrow (2014-07-08)
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  • First Home Buyers Guide – Buying Your First Home With Bankwest
    in their distribution area By keeping a scrapbook of the ads of the homes you have visited you will save yourself from accidentally doing double viewings Real Estate Agents Contact agents in the areas you are interested in They will let you know when homes are open for inspection and give you the heads up on new properties coming on to the market They ll also have brochures of their listings Mailbox Drop Like an area but there are no houses for sale Don t be afraid to drop a note in the letterbox of homes you like saying you re interested in buying Who knows they may be interested in selling The buying process There are two main ways a property can be sold by auction or private treaty Auction This is where you are competing against rival buyers If you are going to be buying at auction it s helpful to go along to a few beforehand so you know what to expect and feel confident about bidding Auctions are all about making a binding sale on the day So make sure you have your finances in order before you bid A home loan pre approval is an excellent idea Another tip is to have your legal representative look over the Contract of Sale before auction day So you ve got your money sorted and intend to bid Next check with the agent to see if you need to register If you do you will be given a bidding number that you should display every time you make a bid At the start of the auction the auctioneer will ask for an opening bid All subsequent bids will be made in amounts specified by the auctioneer If bidding stalls the auctioneer will reduce the bid amount to try and coax out buyers If the final bid exceeds the seller s reserve price i e the minimum they re happy to accept the property will be sold If it doesn t the property is passed in and the agent may negotiate privately with the highest bidder If you are the successful bidder breathe a sigh of relief and get the cheque book out You will need to pay a deposit normally 10 on the spot There is no cooling off period so don t bid if you don t want to buy Private treaty This is when a house is put on the market for a specific asking price Usually there is an agent involved but sometimes you could be dealing directly with the property owner If you like the home you put in a written offer with the real estate agent who then presents it to the seller If they don t accept it you ping pong back and forth with offers and counter offers until you finally get to a price you both agree on You then break out the champagne or sparkling mineral water both parties sign a Contract of Sale COS and you hand over

    Original URL path: http://www.bankwest.com.au/personal/home-loans/choosing-the-right-home-loan/first-home-buyers-guide?tab=buying-your-home (2014-07-08)
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