Fixed Rate Home Loan - Home Loans Ltd - Balanced Special 5 yr fixed

Comparison Rate	7.05%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,489.90
Monthly Payment Est.	$1,250.23
Total Amount Paid Est.	$464,899
Establishment Fee	$499.00

8.16%

Target Market
Forming part of our standard range of loans the Balanced Securitised Loan offers flexibility combined with a competitive interest rate. It incorporates 100% Offset facility and Go Between loan. This loan also has a range of features including redraw, choice of repayment frequency, and the ability to make extra repayments at any time. ,
Standard residential loan purposes such as: Purchase or refinance an owner-occupied or investment property, debt consolidation, Equity for personal purposes, construction loans, loans for business purposes up to 20% of the loan amount and Go Between loans.

Acceptable Income
PAYG, Self-employed, Second job, Car allowance, Permanent allowances, Commissions, Centrelink long term pensions, Austudy, Superannuation payments, Family tax benefits, Child support/maintenance, Rental income, Share dividends, royalties, interest, annuities, distributions from property trusts and other sustainable income from investments. NOTE: Special conditions apply for each income, please contact your BDM for further information

Home Loan Loan Term
Principal & Interest: 5-30 years
Interest Only: 1-10 years

Home Loan Loan Size
Minimum: $10K ,
Maximum: ,
up to 80% LVR: $2m ,
up to 75% LVR: $2.5m ,
up to 70% LVR: $3m ,
up to 65% LVR: >$3.5m

Home Loan Repayment Type
Principal & Interest: 5-30 years ,
Interest Only: 1-10 years

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

Extra Repayments
Additional repayments may be made at any time. During a fixed rate period up to maximum of $20K per annum over and above the normal repayments are permitted.

Split Loan Facility
Available.

Offset
100% Offset Loan. ,
100% Offset facility available. ,
Minimum account balance: $0 (opening and operating) ,
Maximum account balance: No maximum. However the customer receives no benefit (or interest) on any offset balance that exceeds the loan balance. ,
Repayments must be debited from the offset balance ,
Interest and statements: Interest is calculated daily. Statements are issued monthly ,
Transactions fees: Borrower receives $20 worth of free transactions p/m, then fees apply. ,
Go Between Loan available. ,
Minimum loan amount: $20,000 ,
Maximum loan amount: No maximum ,
Maximum LVR: 85% ,
Repayments: For established property, you are not required to make any repayments for the first six months or until the sale of your existing property (whichever occurs first). For construction, you are not required to make repayments for the first 12 months. However you can make regular or one off payments at any time if you choose. The interest repayments during this time are capitalised. ,
Loan increases: Available after Go Between period. ,
100% Offset Facility: Available during Go Between period. ,
Redraw : Only available after the initial Go Between period.

Redraw Facility
Available during both variable and fixed rate periods. Free if done via Internet and Telephone banking with minimum redraw of $500. Manual fee: $50 and minim redraw $2000. ,
For Go Between loans redraw is only available after the initial Go Between period

LVR for Fixed Rate Home Loan - Home Loans Ltd - Balanced Special 5 yr fixed

Owner Occupied Maximum LVR 90% plus LMI capitalisation ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Vacant Land Maximum LVR 90% ,
Debt consolidation Maximum LVR 90%

Fees for Fixed Rate Home Loan - Home Loans Ltd - Balanced Special 5 yr fixed

Establishment Fee $499 (Application fee includes one standard valuation fee) ,
Mortgage Prep Fee - $465 ( Legal & Loan Processing Fee & Settlement Fee) ,
Valuation Fee Included in Application Fee ,
Additional Contract Fee - $50 ,
Deferred Establishment Fee: ,
0 -12m = 1.25%; 13-24m = 0.94%; 25-36m = 0.625%; 37-48m =0.31% of approval amount ,
Redraw Fee: Nil Fees apply if done via telephone and internet banking. Manual fee: $50 ,
Switching Fee: $250 (Switch from variable to fixed rate) ,
Refix Fee: Nil (Refix the fixed rate)