Intro Rate Home Loan - RAMS - Easy Start

Comparison Rate	5.82%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,128.06
Monthly Payment Est.	$1,168.02
Total Amount Paid Est.	$423,655
Establishment Fee	$595.00

5.44%

Target Market
Customer looking for lower repayments in the first few years with the benefit of a low ongoing rate

Acceptable Income
PAYG Salary / Wages /Self Employed

Home Loan Loan Term
Maximum term 30 years.

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

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

Repayment Options
Weekly, fortnightly or monthly on any nominated day. ,
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 minimum amount $2000.

Split Loan Facility
Available at anytime minimum of $50k.

Offset
Not available.

Redraw Facility
Yes, Free - $1000 minimum.

LVR for Intro Rate Home Loan - RAMS - Easy Start

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Refinance LVR 90%. (For 90+ LVR equity release funds allowed to maximum of 5% of total loan). ,
Land Max LVR90%. (Metro/Regional <0.5ha) ,
Debt Consolidation LVR 90% (to $750Kmetro) loans only. ,
Consolidate up to five personal debts. ,
Max LVR on purchase price evidence of transaction costs required.

Fees for Intro Rate Home Loan - RAMS - Easy Start

Application Fee $395. ,
Valuation Fee $200. ,
Additional Valuation Fee $220 ,
Loan Settlement Fee$250 (shown as Mortgage Prep Fee). ,
Account Servicing Fee (displayed as Annual Fee) $150 p.a. ,
Discharge Fee $295 plus legals. ,
Loan Conversion Fee $595 Convert to any full doc product excluding Easy Start & Rate Relief at anytime. ,
Early payout: Yr 1-3: 1% 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 FixingFee $295 post settlement only