Fixed Rate Home Loan - moneyQuest - 3 yr fixed

Comparison Rate	6.36%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,217.16
Monthly Payment Est.	$1,235.35
Total Amount Paid Est.	$458,196
Establishment Fee	$600.00

6.14%

Target Market
To buy, block &/or build or refinance residential security. ,
Consolidation of debt may form part of loan sought. ,
The Family Pledge option is available on the Standard Housing Loan refer to Family Pledge Profile - for policy details.

Acceptable Income
Self employed, Salary & Wage earners.

Home Loan Loan Term
30 years.
Interest Only Loans revert to Standard Variable P & I after I/O term at which time they may be renegotiated.

Home Loan Loan Size
Minimum: $10K ,
Maximum no maximum.

Home Loan Repayment Type
Principal & Interest ,
Interest Based 1 - 15 years.

Repayment Options
Weekly Fortnightly or monthly ,
Interest Only monthly repayment.

Extra Repayments
interest based repayments without incurring break costs. Extra repayments allowed on Standard Variable and Discount Variable Rate P & I and or Interest Only ,
Automatic Additional repayments not allowed on Fixed Interest Only Loans. ,
Break cost may apply on early payout of Fixed Rates and Early termination Fee on the Honeymoon loans.

Split Loan Facility
Yes.

Offset
100% offset available on both Honeymoon and Standard Variable products on a P & I and Interest only basis. Link loan to Freedom Savings Account. Offset Service Fee: $5 pm on loan.

Redraw Facility
No minimum Amount (available on internet). Manual Fee: $25. Electronic Fee $10 Only available on variable rates. ,
Note redraw isn't available until the next payment due date after settlement.

LVR for Fixed Rate Home Loan - moneyQuest - 3 yr fixed

Owner Occupied Maximum LVR 95% ,
Investment Maximum LVR 95% ,
Construction Maximum LVR 95% - Construction N/A for Fixed ,
Refinancing Maximum LVR 90% ,
,
Maximum LVR of 95% for existing customers only (please refer to St George Special Credit Critera for definition of an existing customer). ,
Maximum LVR of 90% for new customers. ,
,
Where Consolidation of debt forms part of loan sought to 85% - 90% neg. ,
Country & Special Rural Zoned Securities - LVR on application. ,
Mortgage Insurance over LVR 80%.

Fees for Fixed Rate Home Loan - moneyQuest - 3 yr fixed

Establishment Fee:$600 (includes 1 valuation) ,
Settlement/Lodgement Fee:$ 100 per loan (Fee displayed as Mortgage Preparation ) ,
Monthly Service Fee:$10 per month ,
Additional Valuations:$0 Valuers travelling allowance payable by customer. ,
Additional security fee $100 ,
Early Repayment Fee $1K for negotiated interest rates standard loans with Advantage Package with discounted rates or receive a discount on a Fixed Rate and discharge the loan within 3 years will be liable for ERF plus Breakcosts if applicable. ,
Early Termination fee. 0.9% of the loan amount if an introductory home loan is discharged in full within 4 years of the settlement date. ,
Fixed Rate Repayment Fee this fee will apply to home loans that are fully discharged before the end of their fixed rate period : $150 ,
Redraw Fee Electronic $10 ,
Manual Redraw Fee $25 ,
Increase Fee $500 ,
Switch Fee $500 ,
Switch Fee to Portfolio $500 ,
Rate Lock Fee 0.15% of the loan amount or $500 whichever is higher ,
Consent to Subdivision $350 ,
Substitution of Security $350 ,
Renegotiation $500 ,
Discharge of Mortgage Fee $500 ,
Discharge Settlement Processing Fee $100 ,
Progress Payment Administration Fee $250 (Contract Builders) ,
Progress payment final inspection fee $102.50 ,
Arrears Letter Fee $50