Intro Rate Home Loan - Police and Nurse Credit Society - Concessional Lifestyle 1 yr Disc

Comparison Rate	6.19%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,210.70
Total Amount Paid Est.	$438,578
Establishment Fee	$818.00

6.09%

Target Market
Owner Occupier and Investment purposes.

Acceptable Income
Self Employed, Full Time, Permanent Part Time, Family Allowance A & B, Age Pension. Please refer to the Income and Debt to Servicing Ratios provided by Police and Nurses in the Lender Manuals.

Home Loan Loan Term
Minimum term 5 years
Maximum loan term 40 years (Owner Occupier or Construction)

Home Loan Loan Size
30 years loan term $20,K Subject to credit policy ,
40 years loan term $150K to $1 million

Home Loan Repayment Type
Principal & Interest.

Repayment Options
Weekly, Fortnightly or monthly.

Extra Repayments
Additional repayments allowed.

Split Loan Facility
Available.

Offset
Mortgage Breaker (offset) account available (not available on interest only)

Redraw Facility
Available minimum $2k. Nil redraw fee applicable.

LVR for Intro Rate Home Loan - Police and Nurse Credit Society - Concessional Lifestyle 1 yr Disc

Owner Occupier Maximum LVR 95% plus capped LMI ,
Investment Maximum 95%. ,
Construction Maximum 95% plus capped LMI ,
Refinance Maximum LVR 90% subject to LMI terms & conditions. ,
Land Maximum LVR 95%. ,
Owner occupier: ,
30 years - maximum LVR95% plus capped LMI ,
40 years - maximum LVR 95% plus capped LMI ,
Residential investment: ,
30 years - maximum LVR 95% plus capped LMI . ,
Subject to relevant lending guidelines for insurers.

Fees for Intro Rate Home Loan - Police and Nurse Credit Society - Concessional Lifestyle 1 yr Disc

Fees are added to loan amount ,
Establishment fee $650 (metro <$1m) ,
Establishment fee $880 (metro >$1m on non metro property) ,
Monthly fee applies only when there is no offset $5, with offset $8 ,
Settlement Fee $168 ($110 registration of mortgage (varies per state), title search $32 and title search admin fee $26) ,
Establishment Fee plus Settlement Fee is shown as Establishment Fee ,
Documentation Fee $500 (not including WA) - shown as Preparation Fee ,
A Deferred Establishment Fee of $1500 is payable if 75% or more of the amount of loan is repaid within 3 years of the establishment of the loan ,
Valuation Fee is covered in the Establishment/Application Fee. Any additional valuation fees are charged as below: ,
Metro: ,
Property value $0 - $1M - $210 ,
Property value $1M+ - $440 ,
Property value $1.5M+ - at cost ,
Non Metro: ,
Property value $0 - $1M - $440 ,
Property value $1M+ - at cost ,
Product Change $410. ,
Increase fee $410. ,
Opening any Savings Account or Lending Product required to purchase a $10 share per member/person