Low Doc Home Loan - St George Bank - BOLP Lo Doc Portfolio

Comparison Rate	7.35%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,354.87
Total Amount Paid Est.	$494,670
Establishment Fee	$750.00

7.18%

Target Market
The Business Owners Loan Package (BOLP) is designed for small business customers who want business lending or want to combine personal and business/investment lending, and who can offer residential property as security. Available as a Portfolio Loan or Low Doc Portfolio Loan. BOLP is an all-in-one solution.

Acceptable Income
Self employed applicants.

Home Loan Loan Term
As per individual product specifications.

Home Loan Loan Size
Maximum $1M

Home Loan Repayment Type
As per individual product specifications.

Repayment Options
As per individual product specifications.

Extra Repayments

Split Loan Facility
Up to 10 sub-accounts, each with its own credit limit. These sub-accounts could be multiple trading accounts in different names set up under the one Portfolio.

Offset
Not Applicable

Redraw Facility
Not Applicable

LVR for Low Doc Home Loan - St George Bank - BOLP Lo Doc Portfolio

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction N/A ,
Refinancing Maximum LVR 90% ,
As per individual product specifications Portfolio Loan: ,
Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 85% ,
Up to < 80% for Vacant Land as a single security ,
LVR > 80% LMI ,
LVR 85% for Refinance with or without consolidation of Debt ,
LVR 90% for Purchase, Construction. ,
,
Low Doc Portfolio ,
Owner Occupier Maximum LVR 80% ,
Investment Maximum LVR 80% ,
Refinance Maximum LVR 80% ,
Debt Consolidation Maximum LVR 80% ,
Construction N/A ,
FASTRefi® is a process that allows settlement for refinancing of residential loans to be completed within days of the customer signing the loan documents. For more information on this service contact your broker support centre Mortgage Central on 1300 137 532.

Fees for Low Doc Home Loan - St George Bank - BOLP Lo Doc Portfolio

As per product specifications. ,
Portfolio Loan: Application Fee: $700 (Split Facilities $100 ea) Application and split fee nil if taken with Advantage Package ,
Settlement/Lodgement Fee: $100 per sub account (Fee displayed as Mortgage Preparation ) ,
Additional Securities: $100 Additional Security Fee, Plus Govt. Costs. ,
Additional Valuations: $0 Valuers travelling allowance payable by customer. ,
Redistribution of Limits: $ 10 per redistribution ,
Applicants have an option to choose to pay one annual fee for up for up to 10 sub accounts or pay a monthly fee ,
Administration Fee: $14 per month or capped Annual Fee $200 No admin fees payable when taken as part of the Advantage Package ,
Low Doc Fees: ,
Establishment Fee $750 ,
Applicants have an option to choose to pay one annual fee for up for up to 10 sub accounts or pay a monthly fee ,
Administration Fee $17 per month ,
Additional security fee $100 ,
Redraw Fee N/A ,
,
Increase Fee $500 ,
Switch Fee to Low Doc Standard Variable Rate Home Loan $350 ,
Consent to Subdivision $350 ,
Progress Payment Administration Fee N/A ,
Substitution of Security $350 ,
Renegotiation $500 ,
Discharge of Mortgage Fee $500 ,
Discharge Settlement Processing Fee $100 ,
Arrears Letter Fee $50 ,
Settlement/Lodgement Fee: $100 per loan (Fee displayed as Mortgage Preparation ) ,
The standard fees and charges for the products are applicable, however, by taking out the Business Owners' Loan package the following discounts apply ,
$55 annual fee on the BusinessVantage Visa credit card for the life of the package. Discounted monthly EFTPOS rental. 5 months home and contents insurance cover for the usual cost of 12 months, and Free legal and taxation advice. ,
Switching Fee $500 ,
Split Fee $150 ,
Refer to Fee Guide in Lender Manual Folder for full list of the fees.