Basic Home Loan - AMP - Basic Variable Rate LVR >90%

Comparison Rate	6.67%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,282.61
Total Amount Paid Est.	$462,230
Establishment Fee	$350.00

6.64%

Target Market

Acceptable Income
PAYG, Self Employed, Salary & Wage Earners.

Home Loan Loan Term
Minimum Principal & Interest - 10 years; Interest Only selected IO period
Maximum Interest Only term 5 years (10 years subject to Credit approval)
Maximum total term- 30 years

Home Loan Loan Size
Minimum loan $40K ,
Maximum Loan $2M ,
For greater than $2M refer to BDM.

Home Loan Repayment Type
Principal & Interest, ,
Interest Only

Repayment Options
Principal & Interest - Weekly, Fortnightly or Monthly. ,
Interest Only - Monthly

Extra Repayments
Yes at any time by electronic transfer, by mail or deposit made at Australia Post.

Split Loan Facility
Yes available up to 10 splits with min $10,000 per split. ,
Additional Splits available are Fixed Rates, Basic Variable and Business Classic Loans. ,
$75 per additional split (Fees are waived if Basic is taken under Pro Pack).

Offset
Yes 100% Mortgage Offset, no account keeping and no minimum balance.

Redraw Facility
Yes. No minimum amount and no charge via BankNet and BankPhone. Via BankAssist operator a $50 fee and $2k minimum.

LVR for Basic Home Loan - AMP - Basic Variable Rate LVR >90%

Existing Customers - May borrow up to 95% LVR + LMI cap ,
New Customers - May borrow up to 90% LVR + LMI cap ,
Owner Occupier Maximum LVR90% ,
Refinance Maximum LVR 90% ,
Debt Consolidation Maximum LVR 90% up to 5 other debts ,
Over $1M subject to security location & and maximum LVR allowable. ,
Maximum LVR of 90% + capitalised LMI premium

Fees for Basic Home Loan - AMP - Basic Variable Rate LVR >90%

Establishment Fee of $350 applies to loans with LVR >90% (including any capitalised LMI premium) ,
Settlement Fee of $250 plus Solicitors Fee $295 (Displayed Mortgage Prep Fee) ,
Pre Approval Fee $350 ,
Multiple Security Fee $250 each additional property ,
Monthly Account Management Fee $0 ,
Redraw Fee $0 ($0 via BankNet and BankPhone. Via Bank Assist its $50 fee and minimum $2000 redraw) ,
LMI processing Fee $100 (in addition to any LMI premium payable) ,
Additional Deferred Establishment Fee: 1% if discharged within two years 1-2 in lieu of the $1000 DEF above, however the $1000 still applies for years 3-4. ,
Valuation fees First is free. For valuations <$1M customers pays excess of $220 for metro and $330 for non-metro. For $1M customer pays excess of $550 in all areas. ,
Loan Variation Fee / Switch / Increase Fee $350 ,
Master Limit Application Fee $200