Basic Home Loan - moneyQuest - Promotional Basic Home Loan

Comparison Rate	5.60%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,144.38
Total Amount Paid Est.	$411,840
Establishment Fee	$500.00

6.17%

Target Market
To buy or refinance residential security, for both Owner Occupiers and Investors. Consolidation of debt may form part of loan sought. ,
The Family Pledge option is available refer to Family Pledge Profile - for policy details.

Acceptable Income
Self employed, Salary & Wage earners.

Home Loan Loan Term
Principal & Interest: 3 - 30 years.
Interest Based: 3 - 15 years. All interest only loans will be Combination Loans, ie Interest Only for up to the first 15 years reverting to t P & I for at least 1 year

Home Loan Loan Size
Minimum: $30K ,
Maximum: $1M

Home Loan Repayment Type
Principal & Interest : 3 - 30 yrs ,
Interest Based: 3 - 15 yrs.

Repayment Options
Weekly, fortnightly or monthly frequencies allowed on Principal & ,
Interest loans. Monthly frequency only for Interest Based repayments. ,
Repayment Pause available.

Extra Repayments
Principal and Interest- Fortnightly, Monthly or weekly. ,
Interest Only 15yrs - Monthly. ,
Standard monthly repayments by automatic transfer or phone/internet (via Freedom Savings Account).

Split Loan Facility
Yes

Offset
No.

Redraw Facility
Redraw Fee Electronic $0 ,
Manual $50. ,
No minimum amount applicable. ,
Note redraw isn't available until the next payment due date after settlement.

LVR for Basic Home Loan - moneyQuest - Promotional Basic Home Loan

Owner Occupied Maximum LVR 95% ,
Investment Maximum LVR 95% ,
Construction Maximum LVR 0% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Residential vacant land LVR 95% ,
,
Maximum LVR of 95% for existing customers only (please refer to St George Special Credit Critera for definition of an existing customer). ,
Maximum LVR of 90% for new customers. ,
,
No second mortgages. Apart from a second mortgage used with a family pledge. ,
,
FASTRefi® is a process that allows settlement for refinancing of residential loans to be completed within days of the customer signing the loan documents

Fees for Basic Home Loan - moneyQuest - Promotional Basic Home Loan

Establishment Fee $500 ,
Early Repayment Fee $1k if loan is discharged within the first 3 years ,
Settlement/Lodgement Fee:$ 100 (Fee displayed as Mortgage Preparation) ,
Monthly Service Fee: Nil ,
Additional Valuations:$100 for each additional security after the first. Valuers traveling allowance charged for remote properties. ,
Additional security fee $100 ,
Additional Security Fee: $100 per security ,
Redraw Fee Electronic $0. ,
Manual Redraw Fee $50. ,
Increase Fee $500 ,
Switch Fee to LIS $500 ,
Rate lock fee N/A ,
Consent to Subdivision $350. ,
Substitution of Security $350. ,
Renegotiation $500 ,
Discharge of Mortgage Fee $500. ,
Discharge Settlement Processing Fee $100 ,
Arrears Letter Fee $50