---
title: "Home Equity Access — Coastline Bank"
description: "Overdrafts from Coastline Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/coastline-bank/products/19
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-15T06:00:15.4982803Z
---

# Home Equity Access — Coastline Bank

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

**Overdrafts**

Home Equity Access

## At a glance

- **From (owner occupied):** 8.31% (Variable)

## Apply

Applications are handled by the provider: [Apply at Coastline Bank](https://foss.coastline.com.au/FileView/Form/personal-products-enquiry-form)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Existing customers only · New accounts only · New customers only) | 8.31% | — | USER-INPUT-RATE/$150K+ |
| Variable (Existing customers only · New accounts only · New customers only) | 8.61% | — | USER-INPUT-RATE/$50K-$150K |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Emergency Card Issue Fee | Event | $15.00 |
| Security Token | Event | $20.00 |
| Home Equity Base Bal Fee — Charged monthly | Ongoing | $5.00 |
| Agency Withdrawal Fee | Event | $10.00 |
| Elec Outbound Rejection Fee | Event | $5.00 |
| Duplicate Statement Fee | Event | $5.00 |
| Card Dispute Fee | Event | $33.00 |
| BPAY Error Correction Fee | Event | $11.50 |
| ATM Transaction Fee | Event | $1.00 |
| EFTPOS Decl Trans Fee | Transaction | $0.00 |
| Replacement Card Fee | Event | $10.00 |
| Safe Custody Fee | Event | $25.00 |
| Audit Certificate Fee | Event | $25.00 |
| Piggy Bank | Event | $5.00 |
| Home Equity Withdrawal Fee | Transaction | $1.50 |
| Presented Cheque Fee | Transaction | $0.75 |
| Non CCU ATM Transaction Fee | Event | $1.50 |
| Non CCU ATM Decl Trans Fee | Event | $1.50 |
| Non CCU ATM Bal Enq Fee | Event | $1.50 |
| Credit Card Annual Fee | Event | $75.00 |
| ATM Direct Charge | Event | $0.00 |
| Bank's Solicitor Mtg Disch Fee | Transaction | $380.00 |
| Mortgage Discharge Fee | Transaction | $250.00 |
| Non Coastline ATM Wdl Fee | Transaction | $0.00 |
| Staff Assisted Electronic Pmnt | Transaction | $2.25 |
| Honour Fee | Event | $5.00 |
| Dishonour Fee | Event | $5.00 |
| Real Time Transfer Fee | Event | $20.00 |
| Overseas ATM Wdl Fee | Transaction | $5.00 |
| Loan Establishment Fee | Upfront | $595.00 |
| Settlement Disbursement Fee | Upfront | $5.00 |
| CU Solicitor Mtg Discharge Fee | Transaction | $380.00 |
| PPSR Security Interest Fee | Upfront | $50.00 |
| Property Search Fee | Upfront | $30.00 |
| Manual Arrears Transfer Fee | Event | $5.00 |
| Arrears Reminder Fee | Event | $5.00 |
| Final Notice of Demand | Event | $40.00 |
| Real Time Transfer/NPP Fee | Upfront | $20.00 |

## Features

- **Additional cards**
- **Card access** — Visa Debit Card
- **Digital banking**
- **Digital wallet** — Apply Pay, Google, Pay
- **Real-time payments (NPP)**
- **PayID**
- **Overdraft available**
- **Unlimited transactions** (Transactions performed via these channels:
ATM through machines controlled by BCU,Westpac, St George *Bank SA
Eftpos
Internet Banking
BPay
Direct Debits & Credits
Deposits)
- **Guarantor supported**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Australia

## Constraints

- **Minimum limit** — $50,000.00

## More information from Coastline Bank

- [Overview](https://www.coastline.com.au/personal/home-equity-access-loan)
- [Terms & conditions](https://www.coastline.com.au/personal/home-equity-access-loan)
- [Eligibility](https://www.coastline.com.au/personal/home-equity-access-loan)
- [Fees & pricing](https://www.coastline.com.au/conditions-of-use)
- [Bundle information](https://www.coastline.com.au/personal/home-equity-access-loan)

## Data provenance

- Published by Coastline Bank under the Consumer Data Right
- Product ID: `19`
- Last updated by the provider: 15 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/coastline-bank/19
- Provider page: https://www.cdrcompare.au/brands/coastline-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000181

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/coastline-bank/products/19) — 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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