Fixed Rate Home Loan - Home Loan Centre Australia - 4 yr fixed Balanced Term Loan

Comparison Rate	6.84%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,474.51
Monthly Payment Est.	$1,237.77
Total Amount Paid Est.	$457,551
Establishment Fee	$495.00

8.05%

Target Market
Borrowers looking for a flexible home loan with no ongoing fees that has many features/facilities such as Construction, 100% Offset and Security Switching. Internet and phone banking avaialbe.

Acceptable Income
Salary, Rental, Family Allowance.

Home Loan Loan Term
30 years

Home Loan Loan Size
Minimum $10K. ,
Maximum Loan (Varies according to LVR and security location).

Home Loan Repayment Type
Principal & Interest . ,
Interest Only.

Repayment Options
Monthly repayments. ,
More frequent repayments are permitted Weekly & Fortnightly.

Extra Repayments
Variable Rate additional repayments can be made at any time. Fixed Rate maximum of $20K pa in excess of normal repayments after which Break Costs apply:

Split Loan Facility
Yes, up to 4 (no fees)

Offset
Available.

Redraw Facility
Available minimum amount $500.

LVR for Fixed Rate Home Loan - Home Loan Centre Australia - 4 yr fixed Balanced Term Loan

Owner Occupied Maximum LVR 90% plus LMI Cap ,
Investment Maximum LVR 90% plus LMI Cap ,
Construction Maximum LVR 90% plus LMI Cap ,
Refinancing Maximum LVR 90% plus LMI Cap ,
Vacant Land Maximum LVR 90% plus LMI Cap ,
Debt Consolidation Maximum LVR 90%. ,
Interest Only Maximum LVR 80% plus LMI Cap

Fees for Fixed Rate Home Loan - Home Loan Centre Australia - 4 yr fixed Balanced Term Loan

Establishment Fee shown as $495 (includes Application Fee $220 plus first Valuation Fee $275) ,
Additional Valuation $275 ,
Legal Disbursements & Solicitors Document Preparation Fee $550 approximate shown as Preparation fee. ,
Construction Admin Fee plus Progress Payments $250. ,
Rate Conversion Fee $150. ,
Transaction Fee Nil. ,
Redraw Fee Electronic fee Free Manual Redraw Fee $25. ,
Deferred Establishment Fee. ,
Within Year 1 - 1% / Year 2 - 0.75% / Year 3 - 0.5% / Year 4 - 0.25% ,
Break Cost may be applicable contact Lender.