Professional Package Home Loan - RAMS - Smartway Pro Pack 1>$250K

Comparison Rate	5.83%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,146.90
Total Amount Paid Est.	$422,515
Establishment Fee	$595.00

5.59%

Target Market
An All In One Loan designed to help you pay off your loan sooner - with a preferential rate

Acceptable Income
PAYG Salary / Wages/Self Employed.

Home Loan Loan Term
Maximum term 30 years.

Home Loan Loan Size
Minimum: $250K. & $500k ,
No Maximum ,
High Value Loan Maximum: depending on LVR, mortgage insurer and postcode.

Home Loan Repayment Type
Principal and Interest and Interest Only up to a total of 5 years.

Repayment Options
Weekly, fortnightly or monthly on any nominated day. ,
Available as an interest only or principal and interest option.

Extra Repayments
No minimum.

Split Loan Facility
Available at anytime (minimum $50K).

Offset
Not applicable

Redraw Facility
Available No Minimum ,
Redraw fee = $0.

LVR for Professional Package Home Loan - RAMS - Smartway Pro Pack 1>$250K

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Refinance LVR 90%. (For 90+ LVR equity release funds allowed to maximum of 5% of total loan). ,
Land Max LVR 90%. ,
Debt Consolidation LVR 90% (to $750,000 metro) loans only. Consolidate up to five personal debts. ,
Max LVR on purchase price evidence of transaction costs required.

Fees for Professional Package Home Loan - RAMS - Smartway Pro Pack 1>$250K

Application Fee $395 ,
Valuation Fee $200 ,
Additional Valuation Fee $220 ,
Account Keeping Fee (displayed as Annual Fee) Single loan $300 ,
2-4 loans $150 per loan ,
5 or more loans $100 per loan (based on total number of RAMS Pro Packs held by customer) ,
Loan Settlement Fee $250 (shown as Mortgage Prep Fee) ,
Discharge Fee $295 plus Legal ,
Early Repayment Fee: ,
Year 1-3: 1% 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. ,
ATM, EFTPOS Cheque access fee s 25 Free Transactions per month across all access methods. (Free Transactions refer to WBC, St George & Bank SA branded ATM’s only) ,
After free trans: $2.00 for ATMs. ,
$0.65 for EFTPOS, $0.90 for Chq ,
Switch Fee $295. ,
Loan Fixing Fee $295 post settlement only