Basic Home Loan - RAMS - Basic

Comparison Rate	5.70%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,155.74
Total Amount Paid Est.	$416,755
Establishment Fee	$595.00

5.66%

Target Market
Savvy customers eligible for professional pricing who want a flexible discounted variable rate loan. ,
Customers who have a longer term ownership horizon who want to benefit from lower rates in the earlier stages of their loan ,
Business purpose loans, loan amount and LVR restrictions apply refer separate guidelines.

Acceptable Income
PAYG Salary / Wages /Self Employed

Home Loan Loan Term
Maximum term 30 years.

Home Loan Loan Size
Minimum $50K. ,
No Maximum ,
Maximum: depending on LVR, mortgage insurer and postcode.

Home Loan Repayment Type
Principal and Interest & Interest Only term 1 - 5 years & 10 yrs (NB. 10 yrs IO for Investment purpose only)

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

Extra Repayments
Extra Repayments may be made at any time

Split Loan Facility
Available at anytime minimum of $50k

Offset
Not available.

Redraw Facility
Redraw $25 Fee ,
No Minimum

LVR for Basic Home Loan - RAMS - Basic

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Land Max LVR 90%. (Metro/Regional <0.5ha) ,
Debt consolidation Maximum LVR 90% ,
Construction: Full Doc & Low Doc Max LVR 90% - $750k/ LVR 80% - $1M ,
Refinance LVR 90%. (For 90+ LVR equity release funds allowed to maximum of 5% of total loan). ,
Debt Consolidation LVR 90% (to $750,000 metro) loans only. ,
Consolidate up to five personal debts. ,
Max LVR on purchase price evidence of transaction costs required.

Fees for Basic Home Loan - RAMS - Basic

Application Fee $395. ,
Valuation Fee $200. ,
Additional Valuation Fee $220 . ,
Discharge Fee $295 plus legals. ,
Loan Settlement Fee $250 (shown as Mortgage Prep Fee). ,
Account Servicing Fee (displayed as Annual Fee) Nil ,
Redraw Fee $25 ,
Loan Conversion Fee $295 ,
Loan Fixing Fee $295. ,
Early payout: Years 1-3: 1% of the original loan amount. ,
original loan amount. ,
Early Repayment Refund to customers that settle a new loan within 6 months of incurring the ERF on their original closed RAMS loan. ,
Conditions apply refer to BDM for further details. ,
Loan Fixing Fee $295 post settlement only ,
Customers who convert their current loan to a construction loan will not be charged the $295 Conversion Fee. A Conversion Fee is payable if changes are made such an increase or a change of product. ,
Construction Loan Fee Progress Payment Fee $50 per Progress Payment