Apple Pay now available with Mortgage House

When you borrow money from banks or lenders to buy a property, you enter into a legal agreement that requires you to make agreed home loan repayments over the life of your loan. If you calculate your mortgage options before you start looking for a property, you can make choosing from suitable home loans a little easier. You can do this with any of Mortgage House’s mortgage calculator options, which search all our home mortgages to find suitable options based on your financial situation and property goals.

When you are first looking for the best home loan, or mortgage, there are a few main types to consider:

• Principal and interest. This is the most common of our home loans. Mortgage repayments are made up of both the principal amount and the interest banks and lenders charge to allow them to provide you with the loan.
• Interest only.These kinds of home loans require you to pay back only the interest amount of the mortgage repayments, usually over an agreed, shorter, period of time. The goal of these home loans is to sell the home before the interest-only period ends and use the proceeds to pay off the principal amount.
• Owner Occupier.Owner occupier home loans are mortgages for people who intend to live in the property they are looking to buy. These home loans are the most popular offered by financial institutions, and as a result there are a lot of options to choose from. Use a home loan calculator to calculate your mortgage needs and take one step closer to finding a suitable home loan for you and your family.
• Investor home loans are for those looking to use real estate as an investment. Investing in property can have tax benefits and making regular mortgage repayments in Australia can help your credit rating over the long term

Our lending specialists have helped new home buyers understand the process of entering into a mortgage successfully for 40 years. We have put together a range of helpful guides to give you valuable information as well. Feel free to explore our First Buyer Home Loan Guide today.

What is Apple Pay?

Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchases in stores, within selected apps and participating websites in Safari, on your Easy access Visa debit and credit cards.

Which Apple devices are compatible with Apple Pay?

For a full list of compatible Apple Pay devices, see list of compatible devices.

Does Apple store the card details?

No, your card details are not stored on the device or in the Cloud. When a card is added to Apple Pay, a Device Account Number replaces the need for the card number.

What is the Device Account Number?

The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.

Where can I find the Device Account Number?

The Device Account Number can be found by opening the Wallet app, select a card and tap the () symbol, then scroll down to Device Account Number.

Does it cost me anything to use Apple Pay?

There’s no additional charge in using Apple Pay. The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, contactless or chip and PIN transactions.

Apple Pay requires an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.

With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorise a payment – whilst wearing the Apple Watch.

Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.

How do I make payments within an app or on participating websites?

To pay in selected apps and on the web in Safari on your iPhone, iPad, Apple Watch, select Apple Pay at the check-out and complete the payment.

With Face ID glance at your screen, for Touch ID place your finger on Touch ID or you can enter the device passcode. For Apple Watch double-click on the side button.

Be sure to check your billing, shipping and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card.

If you need to, enter your billing, shipping and contact information. Apple pay will store that information, so you won’t need to enter it again.

Can I use Apple Pay to make a payment on a website using my Mac?

To pay on the web in Safari on your Mac, select Apple Pay and complete the payment using either your iPhone or Apple Watch. On Mac models with Touch ID, pay using Touch ID.

Your Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac.

At the check out:

Select the Buy with Apple Pay or Apple Pay button.
Check your billing, shipping and contact information are correct:
– The default card can be changed by clicking the next to the default card and selecting a new credit or debit card from any iPhone or Apple Watch which is nearby and signed into the same iCloud account.
– If you need to, enter your billing, shipping and contact information. Apple Pay will store that information on your iPhone, so you won’t need to enter it again.
When you are ready, make your purchase. With Face ID glance at your screen, for Touch ID place your finger on Touch ID or you can enter the device passcode. For Apple Watch double-click on the side button.

Which card does Apple Pay use when I pay?

You can choose which card you’d like to use as a default. For more information on managing the cards you use on Apple Pay see Apple’s support page: https://support.apple.com/en-au/HT205583

Do I need an internet connection to use Apple Pay to make purchases?

No. You don’t need an internet connect to use Apple Pay in stores.

Is there a transaction limit when using Apple Pay in store?

No, there is no transaction limit when using Apple Pay. For transaction over $100 you might be asked to enter your card PIN on the retailer’s payment terminal.

Can I use Apple Pay overseas?

Apple Pay will work in all countries where contactless payments are accepted. We recommend you take your plastic card as a backup, as not all merchants in all countries may support contactless payments.

How do I return an item purchased with Apple Pay in stores?

You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.

If the retailer is able to refund the device used to make the original purchase, you:

Select the card you want to be refunded.
Hold the iPhone above or near the contactless reader and authorise the refund using Touch ID, Face ID or the device passcode; or
Hold the Apple Watch display up to the contactless reader and double-click the side button to authorise the refund.
You may need to provide the last four digits of your Device Account Number to the retailer. This can be found by opening the Wallet app on your iPhone, tap the card and tap the and then scroll down to find Device Account Number.

Will I be able to view my Apple Pay transactions within the Wallet app?

Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet app.

Will I be able to view my Apple Pay transactions in my bank statement?

Transactions will appear as they normally do on a bank or credit card statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.

Is Apple Pay secure?

Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.

Other features which help to keep your payments secure and safe include:

iPhone and iPad
Payments can only be authorised by using Touch ID or Face ID (if enabled), or by entering the device passcode.
Apple Watch
Payments can only be authorised if the device passcode has been entered, you’re wearing your Apple Watch and skin contact with the device has not been lost. If the device is removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.
Please note: you should never share your device passcode, or register more than one person’s biometrics (fingerprint or face), while your card is registered to Apple Pay.

To pay in selected apps and on the web in Safari on your iPhone, iPad, Apple Watch, select Apple Pay at the check-out and complete the payment.

With Face ID glance at your screen, for Touch ID place your finger on Touch ID or you can enter the device passcode. For Apple Watch double-click on the side button.

Be sure to check your billing, shipping and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card.

If you need to, enter your billing, shipping and contact information. Apple pay will store that information, so you won’t need to enter it again.

Can I use Apple Pay to make a payment on a website using my Mac?

To pay on the web in Safari on your Mac, select Apple Pay and complete the payment using either your iPhone or Apple Watch. On Mac models with Touch ID, pay using Touch ID.

Your Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac.

At the check out

1. Select the Buy with Apple Pay or Apple Pay button.
2. Check your billing, shipping and contact information are correct:
   • The default card can be changed by clicking the  button next to the default card and selecting a new credit or debit card from any iPhone or Apple Watch which is nearby and signed into the same iCloud account.
   • If you need to, enter your billing, shipping and contact information. Apple Pay will store that information on your iPhone, so you won’t need to enter it again.
3. When you are ready, make your purchase. With Face ID glance at your screen, for Touch ID place your finger on Touch ID or you can enter the device passcode. For Apple Watch double-click on the side button.

Can I use Apple Pay to make cash withdrawals?

No. At this stage you can’t use Apply Pay to withdraw cash. You’ll need to continue to use your plastic card to complete these transactions.

Which card does Apple Pay use when I pay?

You can choose which Bank First card you’d like to use as a default. See the ‘Managing your card in Apple Pay section’ of the FAQs for instructions on how to change your default card.

For more information on managing the cards you use on Apple Pay see Apples support page: https://support.apple.com/en-au/HT205583

Do I need an internet connection to use Apple Pay to make purchases?

No. You don’t need an internet connect to use Apple Pay in stores.

Is there a transaction limit when using Apple Pay in store?

No, there is no transaction limit when using Apple Pay. For transaction over $100 you might be asked to enter your card PIN on the retailer’s payment terminal.

Can I use Apple Pay overseas?

Apple Pay will work in all countries where contactless payments are accepted. We recommend you take your plastic card as a backup, as not all merchants in all countries may support contactless payments.

How do I return an item purchased with Apple Pay in stores?

You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.

If the retailer is able to refund the device used to make the original purchase, you:

1. Select the card you want to be refunded
2. Hold the iPhone above or near the contactless reader and authorise the refund using Touch ID, Face ID or the device passcode; or
3. Hold the Apple Watch display up to the contactless reader and double-click the side button to authorise the refund

You may need to provide the last four digits of your Device Account Number to the retailer. This can be found by opening the Wallet app on your iPhone, tap the card and tap the  symbol and then scroll down to find Device Account Number.

Will I be able to view my Apple Pay transactions within the Wallet app?

Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet app.

Will I be able to view my Apple Pay transactions in my bank statement?

Transactions will appear as they normally do on a bank or credit card statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.

Is Apple Pay secure?

Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.

Other features which help to keep your payments secure and safe include:

iPhone and iPad

Payments can only be authorised by using Touch ID or Face ID (if enabled), or by entering the device passcode.

Apple Watch

Payments can only be authorised if the device passcode has been entered, you’re wearing your Apple Watch and skin contact with the device has not been lost. If the device is removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.

Please note: you should never share your device passcode, or register more than one person’s biometrics (fingerprint or face), while your card is registered to Apple Pay.