Fixed Rate Home Loan - The Rock Building Society - 1 yr fixed

Comparison Rate	6.54%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,236.64
Monthly Payment Est.	$1,262.27
Total Amount Paid Est.	$456,420
Establishment Fee	$600.00

6.29%

Target Market
Owner Occupier and Investors.

Acceptable Income
PAYG and Self Employed applicants, Company and Trust.

Home Loan Loan Term
Minimum: 1 year.
Maximum: 30 years.

Home Loan Loan Size
Minimum $50K . ,
Maximum $3.5 million.

Home Loan Repayment Type
Principal & Interest OR Interest Only (maximum 5 years). ,
Line of Credit option available.

Repayment Options
Weekly, Fortnightly or Monthly payments.

Extra Repayments
Any amount at any time, without penalty (excluding full repayment within 4 years).

Split Loan Facility
Yes up to six splits available.

Offset
Up to six 100% Mortgage Offset accounts are available on every loan Monthly Offset Account Keeping Fee $12 per Offset Account.

Redraw Facility
Nil Fee Minimum redraw $1000, A/C must hold one month payment in advance.

LVR for Fixed Rate Home Loan - The Rock Building Society - 1 yr fixed

Owner Occupied & Construction Maximum LVR 95% inc LMI. ,
Investment Maximum LVR 95%. ,
Vacant Land Maximum LVR 90%. ,
Interest Only Loans Maximum LVR 90% inc LMI. ,
Refinancing Maximum LVR 95% (One debt only). ,
Debt consolidation Maximum LVR 90%. ,
Where LVR>90% repayment must be principal and interest

Fees for Fixed Rate Home Loan - The Rock Building Society - 1 yr fixed

Rate Lock Fee $395 or 0.15% of the loan amount whichever is greater. ,
Application Fee $600 (includes the valuation of one security property) ,
Additional Valuation Fee $275. (To the value of $1 million the Valuation Fee will be added to the Application Fee). ,
Progress Inspection Fee $125. This fee is charged for each of the first and final builders payments ,
Release Fee:$380. ,
Switch Fee:$250. ,
Monthly Account Keeping Fee $5 per month ,
Offset Account Keeping Fee $12 ,
Cheques written - $0.75 per cheque. ,
ATM withdrawal - $0.50. ,
EFTPOS - $0.65. ,
Variation Fee: $275 plus documentation costs of $110. ,
All Deferred Establishment Fees: ,
Year 1 or Year 2 minimum $1,500 or 0.25% (whichever is greater). ,
Year 3 minimum $1,200 or 0.20% (whichever is greater). ,
Year 4 minimum $900 or 0.15% (whichever is greater). ,
(Calculated on the approved loan amount). Plus deferred LMI if original LVR was less than or equal to 80% or Loan amount is <$500K.