Line of Credit Home Loan - RAMS - Line of Credit Pro Pack 1>$250K

Comparison Rate	6.12%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,184.99
Total Amount Paid Est.	$436,195
Establishment Fee	$595.00

5.89%

Target Market
A flexible alternative to high interest credit facilities RAMS Line of Credit Pro Pack is ideal whenever you ,
need instant cash for purchases or investments.

Acceptable Income
PAYG Salary / Wages /Self Employed

Home Loan Loan Term
Maximum term 30 years.

Home Loan Loan Size
Minimum $250K. & $500k ,
Maximum: depending on LVR, mortgage insurer and postcode.

Home Loan Repayment Type
Principal and Interest & Interest Only maximum term 10 years

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 no minimum amount.

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

Offset
Not available.

Redraw Facility
Available, no minimum amount & no fee applicable.

LVR for Line of Credit Home Loan - RAMS - Line of Credit Pro Pack 1>$250K

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Refinance LVR 90%. ,
Land Max LVR 90%. ,
Debt Consolidation LVR 90% (to $750k metro) loans only. ,
Consolidate up to five personal debts.

Fees for Line of Credit Home Loan - RAMS - Line of Credit Pro Pack 1>$250K

Application Fee $395 ,
Valuation Fee $200 ,
Additional Valuation Fee $220 ,
Account Keeping Fee (displayed as Annual Fee) Single loan $300/2-4 loans $150 per loan/5 or more loans $100 per loan (based on total number of RAMS Pro Packs held by customer) ,
Loan Settlement Fee $300 (shown as Mortgage Prep Fee) ,
Discharge Fee $295 plus Legal ,
Early Repayment Fee:Year 1-3: 1% of the 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. ,
Switching Fee $295 ,
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