Fixed Rate Home Loan - Home Loans Ltd - All In One 3 yr fixed

Comparison Rate	6.73%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,473.11
Monthly Payment Est.	$1,247.23
Total Amount Paid Est.	$460,981
Establishment Fee	$499.00

8.04%

Target Market
The Homeloans All In One combines a discounted variable rate loan, full functional transaction account and nil interest Visa account. The Homeloans All In One allows your salary to go to work immediately to help reduce your interest bill while at the same time you can use your Nil Interest Visa Account card for day to day purchases.

Acceptable Income
PAYG: Minimum 6 months in current employment with 2 yrs in same industry ,
Self-employed: Minimum 2 yrs in current situation (GST registered for minimum of 12 months) ,
Applicants must demonstrate 5% genuine savings (for 3 months) for all applications where LMI or REF applies

Home Loan Loan Term
Up to 30 years

Home Loan Loan Size
Minimum $50K ,
Maximum <80% 2 Million ,
Maximum >80% 1 Million (subject to Mortgage Insurer / Location)

Home Loan Repayment Type
Principal & Interest 10 to 30 Years. ,
Interest Only 1 to 5 Years

Repayment Options
Fortnight, Monthly.

Extra Repayments
Additional repayments may be made at any time. Interest capitalised to 100% of the credit limit before interest payments are required.

Split Loan Facility
Available.

Offset
100% Offset Not Available

Redraw Facility
Available for all Variable Products. Unlimited free redraws if done via telephone & internet banking. Manual: Fee $25 and minimum redraw amount $2K.

LVR for Fixed Rate Home Loan - Home Loans Ltd - All In One 3 yr fixed

Owner Occupier 90% ,
Investment Maximum LVR 90% ,
Refinancing Maximum LVR 85% ,
Debt Consolidation Maximum LVR 85% ,
Owner Occupied with Reduced Equity Fee Maximum LVR 90% ,
Investment with Reduced Equity Fee without Reduced Equity Fee 85%

Fees for Fixed Rate Home Loan - Home Loans Ltd - All In One 3 yr fixed

Establishment Fee $499 (Application fee includes one standard valuation fee) ,
Annual Fee $295 ,
Mortgage Prep Fee $490 ( Legal & Loan Processing Fee & Settlement Fee) ,
Valuation Fee Included in Application Fee ,
Additional Contract Fee $0 ,
,
Deferred Establishment Fee ,
$1500.00 in year 1, $1200 in year 2 and $900 in year 3 ,
,
Redraw Fee: Nil Fees apply if done via telephone and internet banking. Manual fee: $25 ,
Product change Fee: $250 ,
REF Fee - refer to REF Calculator ,
Fix Rate Lock Fee $499