Bridging Home Loan - The Rock Building Society - Home to Home

Comparison Rate	6.54%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,262.82
Total Amount Paid Est.	$456,780
Establishment Fee	$300.00

6.49%

Target Market
Residential owner occupied or investment property. ,
Purchase of residential land. ,
Construction of residential property ,
Home improvements. ,
Refinance of other financial institution loans. ,
Personal or consumer items ,
Purchase of an investment portfolio ,
Purchase or construction of owner occupied or investment property. ,
Loans for working capital or payment of personal or business tax liabilities are specifically excluded.

Acceptable Income
PAYG and Self Employed applicants, Company and Trust.

Home Loan Loan Term
Maximum 30 years

Home Loan Loan Size
Preferred Minimum: $150K ,
Maximum: $3.5 million.

Home Loan Repayment Type
Principal & Interest. ,
Interest Only maximum term 5 years. ,
Variable or Fixed.

Repayment Options
Weekly, Fortnightly or Monthly.

Extra Repayments
Any amount at any time, without penalty (variable or fixed rate loans).

Split Loan Facility
Available.

Offset
Yes 100% Offset - Account can be held in one borrower's name. ,
Can operate up to six Offset accounts for the $12 per month per Offset.

Redraw Facility
Nil Fee Minimum Redraw: $1,000. (Account must hold one months advance payment). Maximum LVR after redraw not to exceed 95%..

LVR for Bridging Home Loan - The Rock Building Society - Home to Home

Owner Occupied & Construction Maximum LVR 95% inc LMI. ,
Residential Investment Maximum LVR 95%. ,
Vacant Land Maximum LVR 90%. ,
Interest Only Loans: Up to 90% inc LMI. ,
Refinancing Up to 95% (One debt only). ,
Debt consolidation: Up to 90%. ,
,
Maximum LVR for Bridging Loans is 80% Peak and end debt.

Fees for Bridging Home Loan - The Rock Building Society - Home to Home

Application Fee $600 (includes the valuation of one security property) ,
Additional Valuation Fee $275. (To the value of $1 million the Valuation Fee will be added to the Application Fee). ,
Progress Inspection Fee $125. This fee is charged for each of the first and final builders payments ,
Release Fee:$380. ,
Switch Fee:$250. ,
Variation Fee - $275 plus documentation of $110. ,
Monthly Account Keeping Fee $5 per month ,
Offset Account Keeping Fee $12 ,
Cheques written - $0.75 per cheque. ,
Rock ATM withdrawal - Free. ,
Other Financial Institution Withdrawal - $0.50 ,
EFTPOS $0.65. ,
All Deferred Establishment Fees: ,
Year 1 or Year 2 minimum $1,500 or 0.25% (whichever is greater). ,
Year 3 minimum $1,200 or 0.20% (whichever is greater). ,
Year 4 minimum $900 or 0.15% (whichever is greater). ,
(Calculated on the approved loan amount). ,
Plus deferred LMI if original LVR was less than or equal to 80% or $500K.