Variable Rate Home Loan - Home Loans Ltd - Premium Full Doc

Comparison Rate	5.78%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,165.88
Total Amount Paid Est.	$420,259
Establishment Fee	$499.00

5.74%

Target Market
The Homeloans Premium Full Doc is a fully featured loan for purchase, refinance or debt consolidation. A discounted rate is available for an annual fee.

Acceptable Income
PAYG, Self-Employed, Part-time, Casual, Second job, Overtime, Shift allowance, Social security benefits, Government pensions, Investment income (interest and dividends), Business income. NOTE: Special conditions apply for each income, please contact your BDM for further information.

Home Loan Loan Term
Principal & Interest: 5-30 years.
Interest Only: 1-10 years.

Home Loan Loan Size
Minimum: $30K ,
Maximum: $2M(1M per security)

Home Loan Repayment Type
Principal & Interest: 5-30 years ,
Interest Only: 1-10 years ,
Once Principal & Interest option is selected, P&I repayments are required for the term of the loan. Interest only converts into P&I after maximum of 10 years for the remainder of the time.

Repayment Options
Monthly, fortnightly or weekly.

Extra Repayments
Additional repayments may be made at any time (not applicable for fixed option)

Split Loan Facility
Available up to 4 splits.

Offset
Not available.

Redraw Facility
Available. No fee and no minimum redraw amount. Telephone & Internet Banking, Cheque, ATM and EFTPOS and Direct credit.

LVR for Variable Rate Home Loan - Home Loans Ltd - Premium Full Doc

Owner Occupied Maximum LVR 90% plus LMI ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% including LMI ,
Debt consolidation Maximum LVR 90%

Fees for Variable Rate Home Loan - Home Loans Ltd - Premium Full Doc

Application Fee $499 Includes one standard valuation. ,
Ongoing Fee $0 ,
Mortgage Prep Fee $365 (Legal & Loan Processing Fee & Settlement Fee) ,
Deferred Establishment Fee Payable if the customer discharges the loan within the first 5 years. 1.0 x notional repayment is payable where the loan facility is fully repaid within 5 years of settlement. ,
,
Pro Pack: ,
Mortgage Prep Fee $502.50 ( Legal & Loan Processing Fee & Settlement Fee) ,
Deferred Establishment Fee Payable if the customer discharges the loan within the first 5 years. 2.0 x notional repayment is payable where the loan facility is fully repaid within 5 years of settlement.