Intro Rate Home Loan - HomeSide Lending - Reducible 1 Yr Intro Fixed Rate

Comparison Rate	6.35%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,236.64
Monthly Payment Est.	$1,234.09
Total Amount Paid Est.	$447,036
Establishment Fee	$600.00

6.29%

Target Market
A principal and interest housing loan with fixed and variable rate options ,
through out the term of the loan. A 1 or 2 year Introductory rate is available on new loans only. ,
Owner Occupied and Residential Investment Property

Acceptable Income
Self Employed, Salary and Wage Earners

Home Loan Loan Term
Minimum: 8 years
Maximum: 30 years

Home Loan Loan Size
Minimum: $50K ,
Maximum: case by case

Home Loan Repayment Type
Principal & Interest Repayments ,
Home Loan with option of Introductory 1 & 2 year terms, Fixed Rate 1,2,3 &- 5 years terms or Standard Variable rate. ,
Note: Introductory Rate is available on new loans only

Repayment Options
Weekly, fortnightly, monthly.

Extra Repayments
Pre-payment Rules for Fixed rate loans Economic costs and pre-payment fees are waived for additional repayments up to the first $20,000 of a loan, per fixed rate period.

Split Loan Facility
Yes (Additional $100 fee applies for each split/account)

Offset
Not available.

Redraw Facility
Fee Free Redraw & Internet access ,
Available during variable rate period only.

LVR for Intro Rate Home Loan - HomeSide Lending - Reducible 1 Yr Intro Fixed Rate

Owner Occupied Maximum LVR 95% ,
Investment Maximum LVR 95% ,
Construction Maximum LVR 95% ,
Refinancing Maximum LVR 90% ,
Vacant Land Maximum LVR 95% ,
Debt Consolidation Maximum LVR 90% ,
Effective 1st May 2009, Broker Star Rating determines Max LVRs applicable for new customers: ,
4 Star Brokers - Max LVR 95% ,
2 & 3 Star Brokers - Max LVR 90% ,
0 & 1 Star Brokers - Not able to submit new business.

Fees for Intro Rate Home Loan - HomeSide Lending - Reducible 1 Yr Intro Fixed Rate

Application Fee - $600 ,
The Establishment Fee is waived in the following instances for loans with 90% LVR or less (excluding Intro Fixed): ,
NSW, QLD, VIC, WA & ACT >$300K ,
SA, TAS & NT >$200K ,
A fee of $150 for each additional security property is applicable. ,
Loan Service Fee:$6 per month ,
Legal Services Fee $162.50 ,
Document Registration Fee $150 ( varies from state to state) ,
Cheque Access Yes on partial offset account ,
Card Access Yes on partial offset ,
Packaging Yes ,
Fixed Rate Options - Rate Lock fee is calculated as 0.15% of the approved limit, rounded to the nearest $10. The minimum fee is $50. ,
Early Repayment Fees:$360 (plus economic cost during the fixed rate period). ,
Early Exit Fee of $1200 does not reduce over time and is payable if the loan is refinanced or repaid in full within 4 years of the settlement date. ,
Early Exit Fee Reducible Mortgage 1 Year Intro Rate home loan Fee 0.60% Term 4 years.