Variable Rate Home Loan - Home Loans Ltd - Premium Saver

Comparison Rate	5.85%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,146.90
Total Amount Paid Est.	$423,319
Establishment Fee	$499.00

5.59%

Target Market
The Homeloans Premium Saver is a fully featured loan for purchase, refinance or debt consolidation at a great variable rate.

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 converting to Principal & Interest for the remainder of the term.

Home Loan Loan Size
Minimum $30K ,
Maximum $1.5M (1M per security)

Home Loan Repayment Type
Principal & Interest: 5-30 years ,
Interest Only: 1-10 years ,
Once P&I 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.

Offset
Not Available.

Redraw Facility
Redraw Fee: Nil Fees apply if done via telephone and internet banking. Manual fee: $45.

LVR for Variable Rate Home Loan - Home Loans Ltd - Premium Saver

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 Saver

Establishment Fee: $499 (Application fee includes one standard valuation fee). ,
Ongoing Fee: $330 Yearly payable at settlement ,
Mortgage Prep Fee: $502.50 (Settlement Fee, Solicitors Fee and Loan Processing Fee) ,
Redraw Fee Manual Fee $45 ,
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. The notional repayment is defined as the calculation of a monthly repayment assuming that the loan is fully drawn.