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Disclosure Documents

Below is a list of all disclosure documents (containing information regarding fees and charges, and information regarding loan and account terms and conditions) applicable to your NMMC HomeLend™ home loan.

Your NMMC HomeLend home loan number is designated by the letter H plus a number from 1 to 5. Where a disclosure document does not relate to every H-designation of loan, the specific loan designator/s to which the document relates will be given.

For each disclosure document there is a note of which loans it applies to, a description of what it is, advice of its effective date, and a summary of the last change to the document.

This page was last updated on 30 July 2020

Type Fees and Charges
Name NMMC HomeLend Fees and Charges Schedule
Applies to loan/s All H-designator loans.
Description A document containing all of the fees and charges that might apply to your NMMC HomeLend loan.
Effective from  1 July 2019
Last changes

Page 4:
- Amended Bank@Post fees.



Type Terms and Conditions
Name NMMC e-banking Terms and Conditions
Applies to loan/s All H-designator loans.
Description A document containing the terms and conditions for using the Bendigo e-banking service to view or transact upon your NMMC HomeLend loan.
Effective from 16 September 2019
Last changes Clause numbers realigned


Type Terms and Conditions
Name Home Loan Booklet (Term Loan)
Applies to loan/s Regulated term loans of designator H1 or H3.
Description A document containing the terms and conditions for your term loan that is regulated by a credit code.
Effective from 30 July 2020
Last changes Change wording from - their external dispute resolution scheme to Australian Financial Complaints Authority


Type Terms and Conditions
Name Line of Credit (Regulated) Home Loan Booklet
Applies to loan/s Line of credit loans of designator H5, and where the loan is regulated by a credit code.
Description A document containing the terms and conditions for your line of credit loan that is regulated by a credit code.
Effective from 30 July 2020
Last changes Change wording from - their external dispute resolution scheme to Australian Financial Complaints Authority


Type Terms and Conditions
Name Line of Credit (Unregulated) Home Loan Booklet
Applies to loan/s Line of credit loans of designator H5, and where the loan is unregulated.
Description A document containing the terms and conditions for your line of credit loan that is unregulated.
Effective from 28 February 2020
Last changes Change notice period from 20 days to 30 days


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