Professional Package Home Loan - AMP - Professional $100K<$250K

Comparison Rate	5.99%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,165.88
Total Amount Paid Est.	$430,230
Establishment Fee	$0.00

5.74%

Target Market
Borrowings over $100K

Acceptable Income
PAYG, Self Employed, Salary & Wage Earners

Home Loan Loan Term
Minimum Principal & Interest - 10 years; Interest Only selected IO period
Maximum Interest Only term 5 years (10 years subject to Credit approval)
Maximum total term- 30 years

Home Loan Loan Size
Minimum $100K ,
Maximum Loan amount Variable Rate Loan = $2M. For larger amounts contact your BDM.

Home Loan Repayment Type
Principal & Interest ,
Interest Only

Repayment Options
P & I Weekly, Fortnightly, Monthly ,
Interest Only Monthly

Extra Repayments
Yes at any time by electronic transfer, by mail or deposit made at Australia Post.

Split Loan Facility
Available up to 10 splits permitted for free with min $10,000 per split.. ,
Additional splits available include Fixed Rates, LOC, Basic Loan and Business Classic Loan.

Offset
Yes 100% Mortgage Offset no account keeping or domestic transactions fees and no minimum balance.

Redraw Facility
No minimum redraw amount or fee.

LVR for Professional Package Home Loan - AMP - Professional $100K<$250K

Existing Customers - May borrow up to 95% LVR + LMI cap ,
New Customers - May borrow up to 90% LVR + LMI cap ,
Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 0% ,
Refinancing Maximum LVR 90% ,
Vacant Land Maximum LVR N/A ,
Debt consolidation Maximum LVR 90% up to 5 debts ,
Over $1M subject to security location and maximum LVR allowable.

Fees for Professional Package Home Loan - AMP - Professional $100K<$250K

Establishment Fee $350 for LVR >90% (including any LMI capitalisation) ,
Establishment Fee nil if LVR <90% ,
Settlement Fee of $250 plus Solicitors Fee $295 (Displayed as Mortgage Prep Fee) ,
Annual Package Fee $349 (payable at settlement then annually) ,
LMI processing Fee $100 (in addition to any LMI premium payable) ,
Deferred Establishment Fee $ 1,000 if discharged within 4 years from original ,
Additional Deferred Establishment Fee (for Intro 1 yr loans only): 1% if discharged within two years 1-2 in lieu of the $1000 DEF above, however the $1000 still applies for years 3-4. ,
Valuation fees First is free. For valuations <$1M customers pays excess of $220 for metro and $330 for non-metro. For $1M customer pays excess of $550 in all areas. ,
Loan Variation Fee / Switch / Increase Fee $350 ,
Pre Approval Fee $350 ,
Master Limit Application Fee $200 ,
Multiple Security Fee of $250 (payable for each additional security property)