INVESTMENT LOAN

INTEREST RATE		6.43% pa Variable Rate.

LOAN TERMS		30 Years available.

FIXED RATES		1,3,5, & 10 years (Available on request).

PURPOSE		Purchase, Refinance of Residential Real Estate.

LOAN AMOUNTS		$50,000.00-$1,000,000.00.

ACCEPTANCE FEE		$660.00 (Includes valuation and base legal fee).

MAXIMUM LVR		95% up to $650,000. 90% up to $750,000. 85% up to $850,000.

REDRAW OPTION		Unlimited access using Debit Card through ATM’s, EPTPOS, Telephone or INTERNET. First 6 transcations free via ATM & EPTPOS thereafter $1.50 via ATM & $0.60 via EPTPOS.

SPLIT OPTION		The choice of 4 Splits

PAYMENT MODE		• Salary Crediting. • Monthly - FIXED. • Monthly, Fortnightly & Weekly - VARIABLE. INTEREST ONLY OPTION IS AVAILABLE FOR BOTH FIXED AND VARIABLE RATES.

PRINCIPAL REDUCTIONS		VARIABLE: Permitted at any time without any penalty.

DISCHARGE PRIOR TO MATURITY		VARIABLE RATE: One monthly repayment based on original loan amount if discharged within 5 years of settlement.. FIXED RATE: The borrower will be required to compensate the lender by paying break-costs.

LENDERS MORTGAGE INSURANCE		Required in all cases, PAID by lender up to 80% lvr & can be capitalised to 95% lvr max.

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