Professional Package Home Loan - moneyQuest - 3 yr fixed Advantage 0.15% Disc>$250K 0.70% Disc

Comparison Rate	5.95%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,197.82
Monthly Payment Est.	$1,150.30
Total Amount Paid Est.	$437,262
Establishment Fee	$0.00

5.99%

Target Market
This package is available to personal clients only.

Acceptable Income
No income or Professional Hurdles ,
Self employed At the Lending Managers discretion ,
Serviceability up to LVR 80% 1.00 x over LVR 80% 1.10 x Non Resident and serviced apartments 1.25 x ,
On Income Calculations Worksheet use 2 % of limit, highest balance in the last 3 mths, or nil limit if card cleared each month for the last 3 mths ,
,
For Investment Loans calculate 12 months worth of interest at the qualifying rate and take this amount off taxable income before assessing for tax.

Home Loan Loan Term
As per individual product specifications.

Home Loan Loan Size
Minimum $50K.

Home Loan Repayment Type
As per individual product specifications.

Repayment Options
As per individual product specifications.

Extra Repayments
As per individual product specifications.

Split Loan Facility
Yes. Multiple Loans up to 5 loans for the annual fee of $375.

Offset
Yes (not available on Portfolio Loans).

Redraw Facility
Yes (not available on Portfolio Loans) & Fixed Rate Loans. ,
Fee free phone and internet redraws. ,
Note redraw isn't available until the next payment due date after settlement.

LVR for Professional Package Home Loan - moneyQuest - 3 yr fixed Advantage 0.15% Disc>$250K 0.70% Disc

As per individual product specifications.

Fees for Professional Package Home Loan - moneyQuest - 3 yr fixed Advantage 0.15% Disc>$250K 0.70% Disc

Annual Package Fee $395 ,
Home Loan Establishment Fee Nil ,
Home Loan Increase Fee Nil ,
Switch/Conversion Fee Nil ,
Portfolio Loan sub-account set up Nil ,
Home loan monthly Admin fee Nil ,
Complete Freedom monthly fee Nil ,
Credit Card annual fee Nil ,
Mortgage equaliser monthly service fee Nil (Includes Repayment Offset monthly service fee.) ,
Phone and Internet Redraw fees Nil ,
Fees apply as per product specifications