Line of Credit Home Loan - ANZ - Equity Manager

Comparison Rate	6.58%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,258.88
Total Amount Paid Est.	$458,340
Establishment Fee	$600.00

6.46%

Target Market
Any Personal Purpose

Acceptable Income
Full Docs: Self employed applicants to provided returns for last year (must have been self employed for atleast 2 years), Salary and wage earner. ,
Lo Doc 60: ANZ may accept the customers signed Statement of Position as sufficient evidence of income without the requirement to provide supporting documents. ANZ will confirm employment for PAYG customers who have not been with ANZ for 12 months and will complete an ABN/ACN search for self employed customers.

Home Loan Loan Term
30 Years

Home Loan Loan Size
Minimum: $20,000 ,
Full Doc. Maximum total customer limit 2.5 million ,
Full Doc: Max loan amount - $1 million when max LVR > 80% Total customer limit 3 million (LMI applies) ,
No maximum loan amount where LVR is up to 80% LVR ,
Lo Doc 60 Total Consumer Limit - $2.5M, Maximum individual loan size lending $2.5M

Home Loan Repayment Type
Interest Only

Repayment Options
Monthly Deposit

Extra Repayments
Principal reductions and full repayment can be made at any time without a prepayment fee

Split Loan Facility
Yes Split Loans/Combination Home Loan Package $600 for first loan ,
$200 for each subsequent loan.

Offset
Not available on equity manager account.

Redraw Facility
Available

LVR for Line of Credit Home Loan - ANZ - Equity Manager

Maximum LVR 90% ,
Not available for construction lending. ,
Lo Doc Max LVR 60%

Fees for Line of Credit Home Loan - ANZ - Equity Manager

Loan Approval Fee: $600 - Waiver of one valuation administration fee applies where full loan approval fee of $600 is paid. Second and subsequent valuations will incur the $150 fee. ,
Valuation administration fee $150 applies for administration costs incurred for each valuation or price estimate required. VAF not applicable for second and subsequent vals if contract of sale used (in line with ANZ Valuation policy) or for Progress Inspections. ,
Loan Administration Fee $150 pa (waived under breakfree package) ,
Discount for Loan Approval Fees may apply refer to Lender: ,
Deferred Establishment Fee $700 applies if the limit is cancelled within the first four years. ,
Renegotiation Fee may apply when a change is requested. Depending on the type of change requested, fee is $200 (non-credit critical) or $350 (credit critical) ,
VAF may apply if a valuation is required. ,
Loan Admin Charge Nil ,
Guarantee Administration Fee $200 ,
Split loans/Combination home loan package $600 for first loan ,
$200 for each subsequent loan.