Fixed Rate Home Loan - Wide Bay Australia - 3 yr fixed

Comparison Rate	6.86%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,424.54
Monthly Payment Est.	$1,257.25
Total Amount Paid Est.	$463,633
Establishment Fee	$745.00

7.69%

Target Market
Owner occupied, and construction home loans, Investment Loan, Vacant Residential Land, Refinance and Debt consolidation.

Acceptable Income
Self employed applicants with 2 years of financials, Salary & Wage earner, applicants with no probation period. ,
Self employed borrowers, 2 full years of personal and business tax returned must be obtained. Interim financials are unacceptable.

Home Loan Loan Term
Maximum: 1 year, 2 year and 3 year fixed rates available.
Interest rate reverts to standard variable at the end of fixed term.
Maximum Loan Term 30 years.

Home Loan Loan Size
Minimum: $10K ,
Maximum: $1M ,
Maximum loan amount for SA is $350K

Home Loan Repayment Type
Principal and Interest or Interest Only repayments.

Repayment Options
Weekly, Fortnightly or Monthly.

Extra Repayments
Lump sum of additional payments allowed. ,
Payment holiday available.

Split Loan Facility
Not available.

Offset
Mortgage offset Account (Mortgage Muncher) available.

Redraw Facility
Available.

LVR for Fixed Rate Home Loan - Wide Bay Australia - 3 yr fixed

Owner Occupied Maximum LVR 95% ,
Construction Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Refinance Maximum LVR 90% ,
Maximum LVR 95% inc LMI Premium.

Fees for Fixed Rate Home Loan - Wide Bay Australia - 3 yr fixed

Establishment Fee: $495. ,
Valuation Fee ($250 payable upfront). ,
Additional Valuation refer to lender. ,
Settlement Fee $160 & Agency Fee $187 total $347 (displayed as Mortgage Prep Fee) ,
Monthly Service Fee: $12 on fixed Rate Loans for the term of the fix. ,
Early Repayment Fee: if within first 4yrs. $1,500 ,
Switching Fee:$300 for switching to fixed rate.