There are a number of costs which don’t immediately come to mind… Home purchase costs may vary depending on such things as the type of property, the location and value of the property. Let us help you navigate through these costs so when the time comes for you to buy your first home, you have them in your budget. Stamp Duty This will be your biggest upfront cost after the deposit. The exact amount depends on the value of the …
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Member Support
Information for membersGeneral informationYour membership includes access to internet banking tools you can use on any computer, our mobile banking apps you can install on your phone and a Visa Debit card so you can withdraw cash from thousands of ATMs, fee-free.Statements: you can choose to receive statements on paper or electronically (which is the fee-free option). We definitely recommend online statements because they remain secure in your internet banking portal and all your past statements are accessible for future …
Read MoreThe High Life
This overnight Spring hike through Victoria’s alpine region finishes with a glass of Tempranillo and slow cooked Moroccan lamb. The sky is darkly bruised, the breeze stiff. Without a guide, we forge along a faint track on the roof of Victoria in Australia’s southern alpine region, completely encased by mountains. The two-way radio strapped to my pack crackles briefly and, aside from the odd marker pole reassuring us we’re on track, there’s no sign of civilisation. I think to myself, …
Read MoreSavings+Bonus – Mozo
Earn 5% p.a. interest on your at-call savings!* 2.00% p.a. variable interest is the base Savings rate up to $250,000 3.00% p.a. +Bonus interest is earned when you deposit at least $100 in a month and make no withdrawals Interest rates are ongoing, not just for a time-limited introduction Includes First Option Bank membership with linked Spend and Bills accounts for better personal budgeting A $5 monthly membership fee will not apply if your total account balances with us exceed …
Read MoreWhy shopping feels good, and isn’t necessarily bad
Sadness, stress or anxiety are complicated emotions often rooted in bigger feelings like disappointment or powerlessness. Retail therapy can provide you with a sense of reward and control that counteracts these feelings. Choosing to make a purchase (or not to make a purchase) can help you feel empowered and it can also help others: especially when you choose to shop from small businesses, sharing the love and supporting your community. But don’t cross the line… Your brain’s dopamine reward system, the same chemical …
Read MoreDos and Don’ts of property investing
Property investment guru and Sky Business Host, Chris Gray, explains what to do and what to avoid when investing in property to build your wealth. There are many different property investing strategies, and no one single strategy is perfectly suited to meet everyone’s needs. Choosing the right strategy for you will depend on your income, life stage, time availability, skill and your attitude to risk – among many other factors. Before becoming a property investor or adding another property to …
Read MoreKids Bonus Saver – Mozo
A special savings account with big interest for small people A dedicated high-interest savings account exclusively for under-18 members, designed to help kids save up for something they want. Deposit a minimum of $5 per month (pocket money!) without making a withdrawal and you will earn 5.55% p.a. interest on balances up to $5,555. 5.55% p.a. is the total of the base interest rate (0.05% p.a.) plus the bonus interest rate (5.50% p.a.). Kids’ Bonus Saver accounts can …
Read MoreAn introduction to banking, for kids
First Option’s Under-18 Memberships are exclusively for kids, with close parental/guardian supervision. A kid’s membership can include a couple of accounts to help them get used to the idea of budgeting: an everyday account which has an attached Visa debit card (for ages 12 and over only) and a high-interest, online-only savings account: the Kids Bonus Saver, without a Visa card. Having a spending account and a savings account is the foundation of teaching them basic good financial management skills. …
Read MoreSavings+Bonus – FOB
First Option Bank memberships include three accounts to help you manage your money, easily and effectively…SpendWhen you get paid, your money goes in here and you move what you expect your bills to cost over to your Bills account … what’s left in your Spend account is what you can afford to spend.BillsThe place to put the money for your expected costs each month. Set-up direct debits from here, or use your Visa card or BPay to pay bills when …
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