Fixed Rate Home Loan - Citibank - 4 yr fixed Self Certification

Comparison Rate	8.15%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,552.02
Monthly Payment Est.	$1,441.35
Total Amount Paid Est.	$527,367
Establishment Fee	$399.00

8.60%

Target Market
A flexible loan for clients who are unable to provide income documentation to the bank to verify their income.

Acceptable Income
Complete a Self Certified Declaration and application form. Income to be declared. Regulated and unregulated. Borrower must have an active ABN for a minimum of 2 years, BAS statements are required with a 12 month continuous period and at least 12 months registration for GST is required.

Home Loan Loan Term
Minimum term 1 year
Maximum: 30 years.

Home Loan Loan Size
Minimum $50K ,
Maximum $2.5M for Category 1 locations. ,
Category 2 - $750K ,
Category 3 - $500K (up to 80% LVR) all states ,
WA & SA & Tas & NT Maximum $750K (per 1 security) anything outside of this range please refer to BDM.

Home Loan Repayment Type
Principal and Interest and Interest Only

Repayment Options
Standard Interest Only & Principal & Interest

Extra Repayments
Variable Rate: Can be made at anytime, No Minimum and without penalty. ,
Fixed Rate: Penalties may apply - refer to FEE SCHEDULE section for further details.

Split Loan Facility
Yes $150 Fee per request. Payable when a product is split into additional accounts. The overall facility cannot exceed 4 loan accounts. ,
Fee is waived when part of a Mortgage Plus Package. ,
Minimum split $20K. Maximum 4 splits.. Multiple splits of one option available.

Offset
Not available under self certified loans.

Redraw Facility
Yes - Anytime on variable rate products.

LVR for Fixed Rate Home Loan - Citibank - 4 yr fixed Self Certification

Self Certified Max LVR 80% plus LMI, regulated and unregulated loans

Fees for Fixed Rate Home Loan - Citibank - 4 yr fixed Self Certification

Establishment Fee: $399 ,
Settlement Fee $250 (displayed as Mortgage Prep Fee) ,
Monthly Service Fee: $8 per month per account for Standard Variable, Standard Fixed and Standard Offset loans and $12 per month per account for Mortgage Power loans ,
Product change: $300 ,
EPO or Interest Equalisation may apply to a mid-term rate break on ,
Fixed Rate loan. ,
Additional Fees and Charges may apply. ,
Substitution of Security - is Available ,
Substitution of Security Fee: $450 (covers 1 valuation only) ,
Stamp duty applies to any additional borrowings. If the new security is in another state, then full stamp duty will apply. ,
Government registration fees apply and vary from state to state. ,
,
Self Certified Deferred Establishment Fee ,
< 12 months after settlement: Min $2000. Max $3000. ,
> 12 < 24 months after settlement: Min $1500. Max $2500. ,
> 24 < 36 months after settlement: Min $1000. Max $2000.