Variable Rate Home Loan - The Rock Building Society - Advantage Plus

Comparison Rate	5.84%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,174.78
Total Amount Paid Est.	$423,600
Establishment Fee	$600.00

5.81%

Target Market
Home buyers after No Frills low rate product.

Acceptable Income
PAYG and Self Employed applicants, Company and Trust.

Home Loan Loan Term
30 years P & I (5 years Interest Only).

Home Loan Loan Size
Minimum $50K . ,
Maximum $3.5 million.

Home Loan Repayment Type
Principal & Interest. ,
Interest Only for 5 Years.

Repayment Options
Weekly, Fortnightly or Monthly.

Extra Repayments
Unlimited (with the exception of full repayment within 4 years) Refer Deferred Establishment Fee.

Split Loan Facility
Up to six splits available. No fees.

Offset
Not available.

Redraw Facility
Provided the account holds one payment in advance. Any amount in addition to this may be redrawn at anytime. Minimum redraw amount of $1,000.

LVR for Variable Rate Home Loan - The Rock Building Society - Advantage Plus

Up to 90% for Owner Occupied Purchases & Construction. ,
Up to 90% for Investment, Investment Property Purchases & Construction, Refinances (one debt only). ,
90% Vacant Land & all Multiple Security Properties. ,
Up to 90% for Non Genuine Savings (no vacant land security, required 3% genuine savings). ,
Up to 90% for Debt Consolidation involving numerous debts.

Fees for Variable Rate Home Loan - The Rock Building Society - Advantage Plus

Application Fee $600 (includes the valuation of one security property) ,
Additional Valuation Fee $275. (To the value of $1 million the Valuation Fee will be added to the Application Fee). ,
Progress Inspection Fee $125. This fee is charged for each of the first and final builders payments ,
Account Keeping Fee Nil. ,
Redraw Fee Nil ,
Fee Free Telephone Banking ,
Fee Free Internet Banking ,
All Deferred Establishment Fees: ,
Year 1 or Year 2 minimum $1,500 or 0.25% (whichever is greater). ,
Year 3 minimum $1,200 or 0.20% (whichever is greater). ,
Year 4 minimum $900 or 0.15% (whichever is greater). ,
(Calculated on the approved loan amount) plus deferred LMI if original LVR was less than or equal to 80% ,
Release Fee:$380. ,
Switch Fee:$250. ,
Variation Fee: $275 plus documentation cost of $110 (applicable for any amendment to previous terms)