---
title: "S40 Home Equity Advantage — Broken Hill Bank"
description: "Overdrafts from Broken Hill Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/broken-hill-bank/products/23
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T02:00:18.0541914Z
---

# S40 Home Equity Advantage — Broken Hill Bank

> Overdrafts from Broken Hill Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Overdrafts**

Borrow Using The Equity Of Your Home, Or An Investment Property, With An Overdraft Limit Linked To Your Transactional Account. A Secured Overdraft Facility Gives You The Financial Freedom And Flexibility To Pursue Your Financial Goals.

## At a glance

- **From:** 8.3% (Variable)

## Apply

Applications are handled by the provider: [Apply at Broken Hill Bank](https://brokenhill.apply-online.com.au/#/9339b246-de9f-4752-ac44-6cda94f6b60f)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Reference Rate Provided And Subject To Assessment Of Application For Credit, With Interest Rate Being Offered Upon Approval) | 8.3% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Periodical Payment Rejection | Event | $15.00 |
| Periodical Payment Alteration | Event | $5.00 |
| Periodical Payment Fee | Transaction | $0.00 |
| Statement Copy Fee (> 12 Months) | Event | $5.00 |
| Swift Payment Deposit | Event | $35.00 |
| Over The Counter Cheque Withdrawal Fee | Transaction | $0.00 |
| Electronic Funds Transfer Fee | Transaction | $0.00 |
| Miscellaneous Service Fee | Event | $35.00 |
| ATM/POS Withdrawal — Discount −100% of fee — Only customers older than a minimum age receive the discount (eligibility: Minimum age: 70) | Transaction | $0.00 |
| Direct Debit — Discount −100% of fee — Only customers older than a minimum age receive the discount (eligibility: Minimum age: 70) | Transaction | $0.00 |
| Over The Counter External Transfer Fee | Event | $8.00 |
| BPay Transaction Fee — Discount −100% of fee — Only customers older than a minimum age receive the discount (eligibility: Minimum age: 70) | Transaction | $0.00 |
| Faxed Statement/Transfer Fees | Event | $10.00 |
| Replacement VISA Card Fee | Event | $25.00 |
| Emergency VISA Fee | Event | $50.00 |
| VISA Chargback / Voucher Fee | Event | $35.00 |
| Account Combination Fee | Event | $15.00 |
| VISA Manual Processing Fee | Event | $20.00 |
| Staff Assisted Internet Banking Transaction | Event | $5.00 |
| Paper Statement Fee | Event | $0.00 |
| Discharge Of Mortgage Fee | Event | $500.52 |
| Lenders Mortgage Insurance | Upfront | $0.00 |
| Enforcement Collection Cost | Event | $0.00 |
| Valuation Fee | Upfront | $0.00 |
| Solicitors Fee | Upfront | $0.00 |
| Registration Fee | Upfront | $0.00 |
| Agents Fee | Upfront | $0.00 |
| Credit Report Fee | Upfront | $20.00 |
| Overdraft Establishment Fee - Mortgage Secured | Upfront | $655.00 |
| Overdraft Establishment Fee - Self Employed | Upfront | $705.00 |
| BHCCU Enforcement Expense | Event | $0.00 |
| Contract Variation Fee | Event | $275.00 |
| Guarantee Security Fee | Event | $325.00 |
| Discharge Administration Fee | Event | $250.00 |
| Credit Bureau Default Listing | Event | $75.00 |
| Electronic Settlement Fee | Upfront | $0.00 |
| Security Handling Fee | Event | $200.00 |
| Settlement Fee | Event | $150.00 |
| Debt Agreement Fee | Event | $150.00 |
| Overdraft Account Keeping Fee — Charged monthly | Ongoing | $7.00 |
| Enforcement Expense | Event | $0.00 |

## Features

- **Additional cards**
- **Bill payment (BPAY)** — NPP, PayID, Osko And BPAY (Pay Bills In Branch Or Via Your Digital Services Using NPP, PayID, Osko And BPAY)
- **Card access** — VISA Debit Card (Linked To A VISA Debit Card, With PayWave)
- **Digital banking** (24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone)
- **Digital wallet** — ApplePay, GooglePay And SamsungPay (Secure Contactless Payments, With ApplePay, GooglePay And SamsungPay, With Your Phone)
- **Loyalty program** — "Relationship Rewards" ("Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking)
- **Real-time payments (NPP)** ("New Payments Platform (NPP)" - Making Payments Faster And Simpler)
- **PayID** ("PayID" - An Alternative Way To Make Payments Instead Of Remembering Account Numbers)
- **Overdraft available** (Subject To Eligibility For Credit Via Loan Application Assessment)
- **Unlimited transactions** ("Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking)
- **Extra repayments**
- **No Penalties For Early Payouts**

## Eligibility

- **Minimum age** — 18 years
- **Subject To Eligibility For Credit Via Loan Application Assessment**
- **Residency status** — Australian Citizens Or Permanent Residents (Residents Of Australia Are Eligible)

## Constraints

- **Minimum limit** — $2,000.00

## More information from Broken Hill Bank

- [Overview](https://brokenhill.bank/home-loan)
- [Fees & pricing](https://brokenhill.bank/home-loan)

## Data provenance

- Published by Broken Hill Bank under the Consumer Data Right
- Product ID: `23`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/broken-hill-bank/23
- Provider page: https://www.cdrcompare.au/brands/broken-hill-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000114

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/broken-hill-bank/products/23) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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