Fixed Rate Home Loan - Home Loans Ltd - Smart Saver 5 yr fixed

Comparison Rate	7.08%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,550.60
Monthly Payment Est.	$1,224.42
Total Amount Paid Est.	$460,759
Establishment Fee	$499.00

8.59%

Target Market
The Smart Saver offers attractive ongoing variable or fixed rate options with no ongoing fees and is available to individuals, company and trust borrowers.

Acceptable Income
PAYG: Minimum 6 mths in current employment with 2 yrs in same industry ,
Self-employed: Minimum 2 yrs in current situation (GST registered for minimum of 12 months). ,
Applicants must demonstrate 5% genuine savings (for 3 months) for all applications where LMI or REF applies.

Home Loan Loan Term
Up to 30 years

Home Loan Loan Size
Minimum $50K

Home Loan Repayment Type
Principal & Interest 10 to 30 Years. and Interest Only 1 to 5 Years

Repayment Options
Fortnight, Monthly.

Extra Repayments
Additional repayments may be made at any time. During a fixed rate period up to a maximum of $10K per annum over and above the normal repayments are permitted.

Split Loan Facility
Available.

Offset
Not available.

Redraw Facility
Unlimited free redraws if done via telephone & internet banking. Manual: Fee $25 and minimum redraw amount $2K.

LVR for Fixed Rate Home Loan - Home Loans Ltd - Smart Saver 5 yr fixed

Owner Occupier 90% ,
Construction Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Refinancing Maximum LVR 85% ,
Vacant Land Maximum LVR 50% ,
Debt Consolidation Maximum LVR 90% ,
Owner Occupied with Reduced Equity Fee Maximum LVR 90% ,
Investment with Reduced Equity Fee Maximum 90% without Reduced Equity Fee 85% (loans $800K<$1,000K maximum LVR 85% excluding fee

Fees for Fixed Rate Home Loan - Home Loans Ltd - Smart Saver 5 yr fixed

Establishment Fee $499 (Application fee includes one standard valuation fee) ,
Mortgage Prep Fee $490 ( Legal & Loan Processing Fee & Settlement Fee) ,
Valuation Fee Included in Application Fee ,
Additional Contract Fee $0 ,
Ongoing Fees Nil ,
Fixed Rate Lock available for $499 ,
Deferred Establishment Fee ,
0 -1 yr =1.75%, 1-3 yrs = 1.50 3-4 = 1.25, 4-5 =1.00% of approval amount ,
Redraw Fee: Nil Fees apply if done via telephone and internet banking. Manual fee: $25 ,
Product change Fee: $250