Bridging Home Loan - moneyQuest - Relocation Loan

Comparison Rate	6.40%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,236.64
Total Amount Paid Est.	$449,520
Establishment Fee	$600.00

6.89%

Target Market
Purchase a new home immediately with 6 months to sell existing property, or Construct new home with 12 months to sell existing (inclusive) ,
Bridging Loan with no end debt also available fee of $1350 applies.

Acceptable Income
Self employed, Salary& Wage Earners.

Home Loan Loan Term
6 months for existing home purchase.
12 months for construction.
Refer Product Specifications for the end debt product.

Home Loan Loan Size
Minimum of $10K ,
Maximum refer to BDM for amount over $1M.

Home Loan Repayment Type
Capitalising. Refer Product Specifications for the end debt product.

Repayment Options
Based on End Loan Amount (end loan may be one of many St.George Products) ,
Weekly, Fortnightly or Monthly Principal & Interest & Interest Only.

Extra Repayments
Surplus repayments allowed no penalties apply on variable rate loan.

Split Loan Facility
Yes.

Offset
Yes 100% on end loan Honeymoon and Standard Variable rate.

Redraw Facility
Not available during the construction period or Relocation period.

LVR for Bridging Home Loan - moneyQuest - Relocation Loan

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 80% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
No End Debt LVR the maximum LVR is 80% based on the Projected Peak Debt. ,
End Debt LVR the maximum LVR is 90% based on the Projected ,
Peak Debt for both owner occupied and investment loans maximum LVR 80% LMI applicable. ,
No End Debt and End Debt Valuations ,
For the property being purchased use the purchase price, where permitted by valuation policy. ,
FASTRefi® is a process that allows settlement for refinancing of residential loans to be completed within days of the customer signing the loan documents. For more information on this service contact your broker support centre Mortgage Central on 1300 137 532.

Fees for Bridging Home Loan - moneyQuest - Relocation Loan

Application Fee $600 ,
Note - with no end debt Application Fee $1350 ,
Settlement/Lodgement Fee:$ 100 per loan account (Fee displayed as Mortgage Preparation ) ,
Additional Valuations:$0 Valuers travelling allowance payable by customer. ,
Additional Security $100 ,
On going fees Depends on end debt product selected. ,
Fixed Rate Repayment Fee this fee will apply to home loans that are fully discharged before the end of their fixed rate period : $150 ,
Redraw Fee Electronic $10 ,
Manual $25 ,
Increase Fee $500 ,
Switch Fee to LIS $500 ,
Rate Lock Fee 0.15% of the loan amount or $500 whichever is higher) ,
Consent to Subdivision $350 ,
Substitution of Security $350 ,
Renegotiation $500 ,
Discharge of Mortgage Fee $500 ,
Discharge Settlement Processing Fee $100 ,
Progress Payment Administration Fee $250 ,
Arrears Letter Fee $50