Fixed Rate Home Loan - AMP - 2 yr fixed >$100K Professional LVR >90%

Comparison Rate	6.87%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,452.22
Monthly Payment Est.	$1,282.46
Total Amount Paid Est.	$465,950
Establishment Fee	$350.00

7.89%

Target Market

Acceptable Income
PAYG, Self Employed, Salary & Wage Earners

Home Loan Loan Term
Fixed terms available for introductory 1 year, 1, 2, 3, or 5 years
Minimum Principal & Interest - 10 years; Interest Only selected IO period
Maximum Interest Only - 5 years (10 years subject to credit approval)
Maximum total term 30 years

Home Loan Loan Size
Minimum $40K Classic Club Fee Structure ,
Minimum $100K for Pro Pack Fee Structure ,
Maximum $2 million. For more refer to BDM

Home Loan Repayment Type
Principal and Interest ,
Interest Only

Repayment Options
Principal and Interest Weekly, Fortnightly or Monthly. ,
Interest Only Monthly

Extra Repayments
Extra repayments of up to $10K in a 12 month period. Additional repayments in excess of $10k will incur Early Repayment Fees and Interest.

Split Loan Facility
Classic $75 per additional split. ,
Pro Pack up to 10 splits permitted for free with minimum $10,000 per split.

Offset
Not available

Redraw Facility
Not available

LVR for Fixed Rate Home Loan - AMP - 2 yr fixed >$100K Professional LVR >90%

Existing Customers - May borrow up to 95% LVR + LMI cap ,
New Customers - May borrow up to 90% LVR + LMI cap ,
Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% up to 5 other debts ,
Over $1M subject to security location and maximum LVR allowable. ,
,
Note a margin of 0.60%p.a. will be added to all loans for borrowings with a LVR greater than 90%, including any LMI capitalisation. These rates are currently displayed in the following format example 1 yr fixed >$100K LVR>90%

Fees for Fixed Rate Home Loan - AMP - 2 yr fixed >$100K Professional LVR >90%

Classic club fee structure minimum $40K; ,
Establishment fee of $350 ,
Settlement fee of $250 plus solicitors fee $295 (displayed mortgage pre fee) ,
Account keeping fee $10 per month ,
Pro pack fee structure minimum $100K; ,
Establishment fee $350 for LVR >90% (including any LMI capitalisation) ,
Establishment fee Nil if LVR <90% ,
Settlement fee of $250 ,
Mortgage prep fee (solicitors costs) $295 ,
Annual package fee $349 (not payable while fixed) ,
All fee structures: ,
Pre approval fee $350 ,
Multiple Security Fee of $250 (each additional security property) ,
Master limit application Fee $200 ,
LMI processing fee $100 (in addition to any LMI premium payable) ,
Deferred establishment fee $ 1,000 if discharged within 4 years from original ,
Additional deferred establishment fee (for intro 1 yr loans only): 1% if discharged within two years 1-2 in lieu of the $1000 DEF above, however the $1000 still applies for years 3-4. ,
Valuation fees - First is free. For valuations <$1M customers pays costs in excess of $220 for metro and $330 for non-metro. For $1M customer pays costs in excess of $550 in all areas. ,
Loan Variation Fee / Switch / Increase Fee $350 ,
Fixed Rates Secure Rate Guarantee (SRG); ,
- Included with the initial loan application at any time 0.15% of fixed rate facility amount ,
- After the initial loan application, and AMP has not announced a fixed rate loan interest rate change - 0.15% of fixed rate facility amount ,
- After the initial loan application, and AMP has announced a fixed rate loan interest rate change and before the effective date of that change - 0.25% of fiixed tate facility amount ,
Early Repayment Fee $150 plus break costs if loan is partially or fully repaid during the fixed period.