Professional Package Home Loan - St George Bank - 12Mth Disc Vbl Advantage>$250K

Comparison Rate	6.98%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,294.54
Total Amount Paid Est.	$478,050
Establishment Fee	$0.00

6.73%

Target Market
This package is available to personal clients only.

Acceptable Income
No income or Professional Hurdles ,
Self employed At the Lending Managers discretion ,
Serviceability up to LVR 80% 1.00 x over LVR 80% 1.10 x Non Resident and serviced apartments 1.25 x ,
On Income Calculations Worksheet use 2 % of limit, highest balance in the last 3 mths, or nil limit if card cleared each month for the last 3 mths ,
,
For Investment Loans calculate 12 months worth of interest at the qualifying rate and take this amount off taxable income before assessing for tax.

Home Loan Loan Term
As per individual product specifications.

Home Loan Loan Size
Minimum $50K.

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Home Loan Repayment Type
As per individual product specifications.

Repayment Options
As per individual product specifications.

Extra Repayments
As per individual product specifications.

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Split Loan Facility
Yes. Multiple Loans up to 5 loans under the one annual fee

Offset
Yes (not available on Portfolio Loans).

Redraw Facility
Yes (not available on Portfolio Loans). ,
Fixed Rate Loans: Customers have the ability to redraw additional payments made (referred to as prepayments) up to a limit of $10,000 per 12 month period. ,
Fee free phone and internet redraws. ,
Note redraw isn't available until the next payment due date after settlement. ,
With most products (excluding Portfolio Loan/line of credit) funds paid into the loan are not available when they have been deposited, until the next payment date. The system holds the deposit until the payment due date and then shows the additional funds (over and above the repayment due) as available redraw. Redraw is not automatic on a loan and clients may need to apply for a redraw facility to be active on their loan. ,
When a St George loan settles, the surplus funds are usually deposited into a nominated St George Bank account on date of settlement. This needs to be specified in the disbursement form which the client receives with the loan documentation. ,
Maximum Redraw: via Internet Banking is $30,000 per day, phone and internet transfers can only be made into St George Bank accounts.

LVR for Professional Package Home Loan - St George Bank - 12Mth Disc Vbl Advantage>$250K

As per individual product specifications.

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Fees for Professional Package Home Loan - St George Bank - 12Mth Disc Vbl Advantage>$250K

Annual Package Fee $395 ,
Home Loan Establishment Fee Nil ,
Home Loan Increase Fee Nil ,
Switch/Conversion Fee Nil (Intro products - $500 switch fee applies) ,
Portfolio Loan sub-account set up Nil ,
Home loan monthly Admin fee Nil ,
Complete Freedom monthly fee Nil ,
Credit Card annual fee Nil ,
Mortgage equaliser monthly service fee Nil (Includes Repayment Offset monthly service fee.) ,
Phone and Internet Redraw fees Nil ,
Fees apply as per product specifications