Intro Rate Home Loan - RAMS - Rate Relief

Comparison Rate	5.91%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,109.37
Monthly Payment Est.	$1,193.65
Total Amount Paid Est.	$428,395
Establishment Fee	$595.00

5.29%

Target Market
Savvy customers eligible for professional pricing who want a flexible discounted variable rate loan. ,
Customers who have a longer term ownership horizon who want to benefit from lower rates in the earlier stages of their loan ,
Business purpose loans, loan amount and LVR restrictions apply refer separate guidelines.

Acceptable Income
PAYG Salary / Wages /Self Employed

Home Loan Loan Term
Maximum term 30 years.

Home Loan Loan Size
Minimum $100K. ,
No Maximum ,
Maximum: depending on LVR, mortgage insurer and postcode.

Home Loan Repayment Type
Principal and Interest & Interest Only 1 - 5 years & 10 yrs (NB. 10 yrs IO for Investment purpose only)

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 minimum amount $2000.

Split Loan Facility
Available at anytime minimum of $50k. ,
1st 4 Years - No switching, after 4 Years convert to any Full Doc product (excluding Easy Start & Rate Relief)

Offset
Not available.

Redraw Facility
Yes, Free - $1000 minimum.

LVR for Intro Rate Home Loan - RAMS - Rate Relief

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Must hold 20% equity in other residential real estate ,
Construction Maximum LVR 90% plus LMI capitalisation Maximum 92% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Land Max LVR 90%. (Metro/Regional <0.5ha) ,
Max LVR on purchase price evidence of transaction costs required. ,
Rate Relief can be converted to a Rate Relief Construction only.

Fees for Intro Rate Home Loan - RAMS - Rate Relief

Application Fee $395. ,
Valuation Fee $200. ,
Additional Valuation Fee $220 ,
Loan Settlement Fee $250 ,
Account Servicing Fee (displayed as Annual Fee) Nil. ,
Discharge Fee $295 plus legals. ,
Loan Conversion Fee $295 ,
Early payout: Yr 1-2: 1.25% of the original loan amount & Yr 3-4: 0.75% 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. ,
Loan Fixing Fee $295 ,
Loan Switching Fee $295