Fixed Rate Home Loan - Home Loans Ltd - 4 yr fixed Easy Saver

Comparison Rate	6.98%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,506.75
Monthly Payment Est.	$1,250.58
Total Amount Paid Est.	$463,147
Establishment Fee	$499.00

8.28%

Target Market
The Easy Saver offers attractive ongoing variable or fixed rate options with no ongoing fees and is available to individuals, company and trust borrowers. Loan purpose: Purchase or refinance an owner-occupied or investment property, Debt consolidation, Equity loans for investment or personal purposes and loans business purposes (50% of loan amount).

Acceptable Income
PAYG: Minimum 6 mths in current employment and at least 2 years in same field. ,
Self Employed: Minimum 2 yrs trading in current business. ,
Permanent part time, Casual, Second job, Contract employment, Car allowance, Overtime, Rental income, Investment income, Social security benefits, Workers compensation. NOTE: Special conditions apply for each income, please contact your BDM for further information.

Home Loan Loan Term
Principal & Interest minimum 5 years.
Maximum 30 years.
Interest Only up to 10 years, converting to P&I for the remainder of the term.

Home Loan Loan Size
Minimum $50K ,
Maximum $750K

Home Loan Repayment Type
Principal & Interest and Interest Only: ,
Interest-Only - Up to 10 years (minimum 1 year) interest-only, converting to P&I for the remainder of the loan term.

Repayment Options
Monthly, fortnightly or weekly. ,
Interest Only Monthly.

Extra Repayments
Additional repayments may be made at any time (not applicable for fixed option).

Split Loan Facility
Available.

Offset
Not available.

Redraw Facility
Unlimited free redraws if done via telephone & internet banking; minimum redraw $500. Manual: Fee $20 and minimum redraw amount $2K.

LVR for Fixed Rate Home Loan - Home Loans Ltd - 4 yr fixed Easy Saver

Owner Occupier Maximum LVR 85% ,
Investment Maximum LVR 85% ,
Construction Maximum LVR N/A ,
Refinance Maximum LVR 85% ,
Land Maximum LVR N/A ,
Debt Consolidation Maximum LVR 85%

Fees for Fixed Rate Home Loan - Home Loans Ltd - 4 yr fixed Easy Saver

Establishment Fee $499 (Application fee includes one standard valuation fee) ,
Mortgage Prep Fee $440 ( Legal & Loan Processing Fee & Settlement Fee) ,
Valuation Fee Included in Application Fee ,
Additional Contract Fee $65 ,
Ongoing Fee Nil ,
Fee for additional contracts $65 ,
Deferred Establishment Fee (Payable if the customer discharges the loan as below): ,
0 -12m = 1.75%; 13-36m = 1.50%; 37-48m = 1.25%; 49-60m =1.00% of approval amount ,
Partial Deferred Establishment Fee (Payable if the customer repays 50% or more of the loan as below): ,
0 -12m = 0.875%; 13-36m = 0.75%; 37-48m = 0.625%; 49-60m =0.50% of approval amount ,
Redraw Fee: Nil Fees apply if done via telephone and internet banking. Manual fee: $20