Professional Package Home Loan - HomeSide Lending - HomePlus 1 Yr Intro Fixed Rate <$250K

Comparison Rate	6.10%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,223.64
Monthly Payment Est.	$1,195.85
Total Amount Paid Est.	$435,096
Establishment Fee	$600.00

6.19%

Target Market
Owner Occupier and Investment purposes

Acceptable Income
PAYG Salary & wage earners, Self Employed as per normal lending guidelines ,
No income minimums apply

Home Loan Loan Term
Minimum: 8 years
Maximum: 30 years

Home Loan Loan Size
Minimum: $100K ,
Maximum: case by case

Home Loan Repayment Type
Principal & Interest or Interest Only ,
Interest Only option for 5 years ,
Principal & interest prior to the end of 5 years Interest Only period ,
Interest rate concessions are available during a variable rate period.

Repayment Options
Weekly Fortnightly or Monthly for Principal and Interest. ,
Monthly for Interest Only

Extra Repayments
Additional repayments can be made during the Variable or Introductory Fixed Rate Period without penalty ,
During the 1- 5 Year Standard Fixed rate term borrowers can pay up to an extra $20,000 during each fixed rate period. Principal reductions above the $20,000 limit can be made to the loan during both the interest only and principal and interest period ,
A prepayment fee of $360 plus economic costs may be payable for prepayments during the fixed rate periods

Split Loan Facility
Additional accounts/splits area available (Note $100 split fee applies for each additional account).

Offset
Yes 100% Offset when the Homeplus Loan is in variable rate period

Redraw Facility
Fee Free Redraw is available to approved applicants during the variable rate period only

LVR for Professional Package Home Loan - HomeSide Lending - HomePlus 1 Yr Intro Fixed Rate <$250K

Owner Occupier LVR 95% ,
Construction LVR 95% ,
Refinance - LVR 95% ,
Investment - LVR 95% ,
Effective 1st May 2009, Broker Star Rating determines Max LVRs applicable for new customers: ,
4 Star Brokers - Max LVR 95% (Peak Performance Max LVR 90%) ,
2 & 3 Star Brokers - Max LVR 90% ,
0 & 1 Star Brokers - Not able to submit new business. ,
,
Construction/Land now on case by case refer to BDM.

Fees for Professional Package Home Loan - HomeSide Lending - HomePlus 1 Yr Intro Fixed Rate <$250K

Application Fee - $600 ,
The Establishment Fee is waived in the following instances for loans with 90% LVR or less (excluding Intro Fixed): ,
NSW, QLD, VIC, WA & ACT >$300K ,
SA, TAS & NT >$200K ,
Monthly Service Fee$ 10 ,
Variation fee $300 Variation of Loan Contract ,
Legal Services Fee $162.50 ,
Additional Security $150 per mortgage account/loan product after the first one ,
Packaging Fee $100 per mortgage account/loan product after the first one ,
Fixing Fee $100 where loan is refixed from a variable period ,
Security Discharge Fee $300 ,
Prepayment Fee $360 ,
Loan Modification Fee $200 where loan is switched from interest only to Principal & interest prior to the end of 5 years Interest Only period ,
Early Exit Fee of $1200 does not reduce over time and is payable if the loan is refinanced or repaid in full within 4 years of the settlement date ,
Homeside HomePlus 1 Year Intro Rate home loan (including with Interest Only payments) Fee 0.60% Term 4 years