Fixed Rate Home Loan - RAMS - 5 yr fixed Pro Pack 2

Comparison Rate	6.59%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,417.65
Monthly Payment Est.	$1,162.53
Total Amount Paid Est.	$443,575
Establishment Fee	$595.00

7.64%

Target Market
Savvy customers eligible for professional pricing who want a flexible fixed rate Low Doc loan. ,
Business purpose loans, loan amount and LVR restrictions apply refer separate guidelines.

Acceptable Income
PAYG Salary / Wages /Self Employed

Home Loan Loan Term
1, 2, 3, 4, 5 and 10 yr fixed term.

Home Loan Loan Size
Fixed Rate Pro Pack 1 = Minimum $250K. Maximum $499,999 ,
Fixed Rate Pro Pack 2 = Minimum $500K. No Maximum

Home Loan Repayment Type
Fixed 1 to 5 & 10 year ,
Principal and Interest & Interest Only term 1 - 5 years & 10 yrs (NB. 10 yrs IO for Investment purpose only & IO can not be less that fixed term)

Repayment Options
Weekly, fortnightly or monthly. ,
Available as an interest only or principal and interest option. ,
Available for accelerated payments.

Extra Repayments
Extra Repayments may be made at any time up to $25,000 in total during the fixed rate period. No minimum.

Split Loan Facility
Available at anytime minimum of $50k.

Offset
Not available.

Redraw Facility
Redraw $10 Fee. Minimum redraw amount $1000.

LVR for Fixed Rate Home Loan - RAMS - 5 yr fixed Pro Pack 2

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% plus LMI capitalisation Maximum 92% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Owner Occupied Max LVR 90% (Ability to cover transaction costs required). ,
Investment Maximum LVR 90% Refinance LVR 90%. (Where equity release funds/debt consolidation required LVR <=90%). ,
Land Max LVR 90%. (Metro/Regional <0.5ha) ,
Debt Consolidation LVR 90% (to $750,000 metro) loans only. ,
Consolidate up to five personal debts. (Where equity release funds/debt consolidation required LVR <=90%).

Fees for Fixed Rate Home Loan - RAMS - 5 yr fixed Pro Pack 2

Application Fee $395. ,
Valuation Fee $200. ,
Discharge Fee $295 plus legals. ,
Loan Settlement Fee $250 (shown as Mortgage Prep Fee). ,
Account Servicing Fee (displayed as Annual Fee): Single Pro Pack loan $300 p.a. / 2-4 Pro Pack loans $150 p.a. per loan / 5+ Pro pack loans $100 p.a. per loan ,
Redraw Fee $10 ,
Early payout: Years 1-3: 1% of the original loan amount. Plus Break costs for fixed period ,
Fixed Rate Lock-in Fee = 0.15% of credit limit available at application