| Home Loan type |
Premium Variable Rate |
Standard Variable Rate |
Low Doc Loan |
Line of Credit |
| Minimum Loan Amount: |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
| Maximum Loan Amount: |
$2,500,000 |
$2,500,000 |
Fast doc 70: $750,000
Fast doc 80: $1,000,000 |
$750,000 stand alone $2,500,000 in combination with a standard account. |
| Loan Term: |
10, 15, 20, 25 or 30 Years |
10, 15, 20, 25 or 30 Years |
10, 15, 20, 25 or 30 Years |
30 years |
| Interest: |
Variable or fixed for 2,3 or 5 years. |
Variable or fixed for 2,3 or 5 years. |
Variable or fixed for 2,3 or 5 years. |
Variable. All or part of the loan can be converted to fixed at the end of the 15-year revolving credit period. |
| Repayments: |
Principal & Interest or Interest Only for 2, 3, 5 or 10 years |
Principal & Interest or Interest Only for 2, 3, 5 or 10 years |
Principal & Interest or Interest Only for 2, 3, 5 or 10 years |
Interest only for the first 15 years. Reverting to principal and interest for the remainder of the term. |
| Interest Rate: |
7.22% |
7.37% |
Fast doc 70: 9.30%
Fast doc 80: 9.65% |
8.95% |
| Application Fee: |
Nil |
Nil |
Nil |
Nil |
| Settlement Fee: |
$350 |
Nil |
Nil |
Nil |
| Solicitors Costs: |
$273.90 |
$273.90 |
$273.90 |
$273.90 |
| Disbursement Fee: |
$53.90 |
$53.90 |
$53.90 |
$53.90 |
| Valuation Fee: |
$220 |
$220 |
$220 |
$220 |
| Annual Fee: |
$395 |
Nil |
Nil |
Nil |
| Redraw ($50 min): |
Nil |
Nil |
Nil |
Nil |
| Top-up/Loan Increase Fee: |
$273.90 |
$273.90 |
$273.90 |
$273.90 |
| Split Fee: |
Nil |
Nil |
Nil |
Nil |
| Loan Switching Fee to Fixed: |
$250 |
$250 |
$250 |
$250 |
| BPay Fee |
$0.30 |
$0.30 |
$0.30 |
$0.30 |