Variable Rate Home Loan - RAMS - Standard Variable

Comparison Rate	6.23%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,223.64
Total Amount Paid Est.	$441,235
Establishment Fee	$595.00

6.19%

Target Market
A flexible standard variable home loan that helps you pay off your loan sooner by making additional payments.

Acceptable Income
PAYG Salary / Wages/ Self Employed

Home Loan Loan Term
Maximum term 30 years.

Home Loan Loan Size
Minimum $50K ,
No Maximum (conditions apply) ,
Maximum: depending on LVR, mortgage insurer and postcode.

Home Loan Repayment Type
Principal & Interest ,
Interest Only up to a total of 5 years

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 $500

Split Loan Facility
Available at anytime minimum fixed loan amount $50K

Offset
Not Available

Redraw Facility
Available Minimum Amount $100 ,
Redraw fee = $0

LVR for Variable Rate Home Loan - RAMS - Standard Variable

Owner Occupied Maximum LVR 90% ,
Investment Maximum LVR 90% ,
Construction Maximum LVR 90% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Construction: Full Doc & Low Doc Max LVR 90% - $750k/ LVR 80% - $1M ,
Refinance LVR 90% ,
Land Max LVR 90%. (Metro/Regional <0.5ha) ,
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 Variable Rate Home Loan - RAMS - Standard Variable

Application Fee $395 ,
Valuation Fee $200 ,
Additional Valuation $220 ,
Account Servicing Fee (displayed as Annual Fee) Nil ,
Discharge Fee $295 plus Legal ,
Loan Settlement Fee $250 shown as Mortgage Prep Fee). ,
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. ,
Switching Fee $295 ,
Loan Fixing $295 post settlement ,
Customers who convert their current loan to a construction loan will not be charged the $295 Conversion Fee. A Conversion Fee is payable if changes are made such an increase or a change of product. ,
Construction Loan Fee Progress Payment Fee $50 per Progress Payment