Low Doc Home Loan - Home Loan Centre Australia - Homeline Lo Doc LOC Saver

Comparison Rate	7.37%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,364.35
Total Amount Paid Est.	$494,645
Establishment Fee	$605.00

7.25%

Target Market
Customers that want a fully featured line of credit. ,
Evidence of income is not required for applicants that have substantial equity and servicing capacity. Suited to self-employed and PAYG borrowers.

Acceptable Income
Borrowers are required to complete and sign a statement of income. ,
Self Employed for a minimum of 2 years. PAYG income in current position for at least 6 months. Applicant who have been employed for > 6 months < 12 months must have been with previous employer for at least 2 years.

Home Loan Loan Term
25 Years.

Home Loan Loan Size
Minimum $20K. ,
Maximum $1M per security, up to $2.5M for multiple securties. Refer to Lending Policy for specific details.

Home Loan Repayment Type
Interest Only.

Repayment Options
Monthly.

Extra Repayments
Permitted.

Split Loan Facility
Available up to 4 (no fees).

Offset
Not applicable.

Redraw Facility
Yes, minimum $500.00 / Manual withdrawal $25.00.

LVR for Low Doc Home Loan - Home Loan Centre Australia - Homeline Lo Doc LOC Saver

Owner Occupied Maximum LVR 80%. ,
Investment Maximum LVR 80%. ,
Construction Maximum LVR 80%. ,
Refinancing Maximum LVR 80%. ,
Vacant Land Maximum LVR 80%. ,
Debt Consolidation Maximum LVR 80%.

Fees for Low Doc Home Loan - Home Loan Centre Australia - Homeline Lo Doc LOC Saver

Establishment Fee shown as $605 (includes Application Fee $330 plus first Valuation Fee $275) ,
Additional Valuation $275 ,
Annual Fee $100 ,
Legal Disbursements & Solicitors Document Preparation Fee $550 approximate shown as Preparation fee. ,
Construction Admin Fee plus Progress Payments $250. ,
Manual Redraw Fee $25. ,
Deferred Establishment Fee. ,
Within Year 1 - 1% / Year 2 - 0.75% / Year 3 - 0.5% / Year 4 - 0.25%. ,
Break Cost may be applicable contact Lender. ,
Transaction Fee after an allocation of $20 in each statement period $2 per transaction for Cheque Deposit, GiroPost withdrawal & EFTPOS withdrawal. ,
Cash withdrawal and Balance Enquiry. ,
Transaction Fees not Included in the above allocation. ,
Personal Cheque withdrawal $1. ,
ABL Cash Withdrawal & Debit Transfer $2. ,
Cash Withdrawal & Balance Enquiry from ATM not owned by ABL $2 ,
Fee Free. ,
BPay, ABL ATM, Express Line, Online Banking, Direct Credits, Automatic deductions to other ABL Bank accounts. ,
Rate conversion fee $150.