Fixed Rate Home Loan - HomeSide Lending - 5 Yr Fixed Interest Only In Arrears

Comparison Rate	7.57%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,452.22
Monthly Payment Est.	$1,375.39
Total Amount Paid Est.	$500,220
Establishment Fee	$600.00

7.89%

Target Market
Interest only loan for residential investment properties where the interest rate is fixed for the period of the loan. ,
Regardless of interest rate fluctuations, driven by changing economic conditions, the interest rate and interest repayments remain the same for the period of the loan. ,
Note: Fixed Rate Mortgage is Interest Only and is Only Available For Investment Purposes.

Acceptable Income
Self Employed, Salary and Wage Earners

Home Loan Loan Term
1,2,3 & 5 years

Home Loan Loan Size
Minimum: $50K ,
Maximum: case by case

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Home Loan Repayment Type
Interest only (Monthly in arrears), or ,
Interest in advance 1 year only

Repayment Options
Monthly in arrears or annually in advance

Extra Repayments
Pre-payment Rules for Fixed rate loans Economic costs and pre-payment fees are waived for additional repayments up to the first $20,000 of a loan, per fixed rate period.

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Split Loan Facility
Yes

Offset
NOT Available.

Redraw Facility
NOT Available.

LVR for Fixed Rate Home Loan - HomeSide Lending - 5 Yr Fixed Interest Only In Arrears

Investment only - Max LVR 95% (case by case). ,
Refinance Max LVR 90% ,
Effective 1st May 2009, Broker Star Rating determines Max LVRs applicable for new customers: ,
4 Star Brokers - Max LVR 95% ,
2 & 3 Star Brokers - Max LVR 90% ,
0 & 1 Star Brokers - Not able to submit new business.

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Fees for Fixed Rate Home Loan - HomeSide Lending - 5 Yr Fixed Interest Only In Arrears

Application Fee - $600 ,
The Establishment Fee is waived in the following instances for loans with 90% LVR or less: ,
NSW, QLD, VIC, WA & ACT >$300K ,
SA, TAS & NT >$200K ,
A fee of $150 for each additional security property is applicable. ,
Loan Service Fee - Nil ,
Legal Services Fee - $162.50 ,
Fees on Deposits/Cheques - Nil ,
Cheque Access No ,
Deposit Book No ,
Card Access No ,
Packaging Yes ,
DDR Repayments Yes ,
Phone Enquiry Access Yes ,
Internet Banking Access Yes ,
Variation fee $300 Variation of Loan Contract ,
Document Registration Fee $83.60 ,
Additional Security $150 per mortgage account/loan product after the first one ,
Packaging Fee - $100 per mortgage account/loan product after the first one ,
Fixing Fee - $100 where loan is refixed from a variable period ,
Prepayment Fee - $360 + Economic Cost ,
Early Exit Fee Reducible Mortgage 1 Year Intro Rate home loan Fee 0.60% Term 4 years.