Fixed Rate Home Loan - Police and Nurse Credit Society - 3 yr fixed

Comparison Rate	6.58%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,410.78
Monthly Payment Est.	$1,222.26
Total Amount Paid Est.	$449,342
Establishment Fee	$818.00

7.59%

Target Market
Clients who are wanting an interest rate fixed for a set period.

Acceptable Income
Full Time, Permanent Part Time, Family Allowance A & B, Age Pension ,
Please refer to the Income and Debt to Servicing Ratios provided by Police and Nurses in the Lender Manuals.

Home Loan Loan Term
3 year term & 5 year term.

Home Loan Loan Size
Minimum Amount - $20K, ,
Maximum Amount Subject to PNCS,

Home Loan Repayment Type
Fixed Principal & Interest, Owner Occupier. ,
Fixed Principal & Interest, Residential Investment. ,
Fixed Interest Only, Owner Occupier. ,
Fixed Interest Only, Residential Investment.

Repayment Options
Weekly, fortnightly or monthly.

Extra Repayments

Split Loan Facility
Clients may split loans and have one fixed product and one variable product,

Offset
Not available.

Redraw Facility
Not available,

LVR for Fixed Rate Home Loan - Police and Nurse Credit Society - 3 yr fixed

Maximum LVR 97% Owner Occupier, ,
Maximum LVR 95% Residential Investment, ,
Maximum LVR 95% Refinance,

Fees for Fixed Rate Home Loan - Police and Nurse Credit Society - 3 yr fixed

Fees are added to loan amount ,
Establishment fee $650 (metro <$1m) ,
Establishment fee $880 (metro >$1m on non metro property) ,
Monthly Fee $5 ,
Settlement Fee $168 ($110 registration of mortgage (varies per state), title search $32 and title search admin fee $26) ,
Establishment Fee plus Settlement Fee is shown as Establishment Fee ,
Documentation Fee $500 (not including WA) - shown as Preparation Fee ,
Early payout fees - if the fixed loan is paid out any time piror to the term of the fixed rate a break cost fee may apply in line with market rates. ,
Valuation Fee is covered in the Establishment/Application Fee. Any additional valuation fees are charged as below: ,
Metro: ,
Property value $0 - $1M - $210 ,
Property value $1M+ - $440 ,
Property value $1.5M+ - at cost ,
Non Metro: ,
Property value $0 - $1M - $440 ,
Property value $1M+ - at cost ,
Opening any Savings Account or Lending Product required to purchase a $10 share per member/person.