Fixed Rate Home Loan - Adelaide Bank - 5 yr fixed SmartFix

Comparison Rate	7.43%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,487.10
Monthly Payment Est.	$1,314.17
Total Amount Paid Est.	$487,615
Establishment Fee	$595.00

8.14%

Target Market
SmartFix rate option provides investors and homebuyers with the security of knowing how much interest is payable during the fixed period, with: ,
- interest rates fixed for 3 and 5 years ,
- the option to repay up to $20,000 extra per year during the fixed period and free electronic redraw, without penalty ,
- 3 and 5 year products both roll to the variable SmartFit rate after the fixed period unless refixing is requested ,
With a SmartSuite Home Loan, funds in the offset balance can be accessed through ATMs, Online Banking, Express Line and other standard means.

Acceptable Income
Self Employed or PAYG (as per lending guidelines)

Home Loan Loan Term
Minimum 5 years
Maximum 30 years

Home Loan Loan Size
Minimum loan amount $10K ,
Maximum loan amount $5M (subject to LMI)

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Home Loan Repayment Type
Principal and Interest or Interest Only ,
Interest Only for up to 10 years ,
3 Year SmartFix or 5 Year SmartFix (for interest only loans, the fixed rate term must not exceed the length of the interest only period)

Repayment Options
Weekly, fortnightly or monthly repayments, (principal and interest) ,
Monthly repayments (interest only)

Extra Repayments
Variable rate - Additional repayments may be made at any time without penalty. ,
Fixed rate - Maximum of $20K per annum in excess of normal repayments is permitted, after which break costs may apply. Funds can be transferred to from the offset balance to the loan portion via online or phone banking. ,
There is no maximum deposit limit for the offset portion portion however no benefit or interest will be received on any offset balance that exceeds the outstanding loan balance

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Split Loan Facility
Split your loan into fixed or variable portions ,
An additional $100 loan Application Fee applies per split

Offset
Yes, 100% offset on both fixed and variable rates

Redraw Facility
Free online/phone banking redraws. Manual redraw requests - $50. ,
Minimum redraw amount $500

LVR for Fixed Rate Home Loan - Adelaide Bank - 5 yr fixed SmartFix

Owner Occupier Maximum LVR 95% plus capitalised LMI ,
Investment Maximum LVR 90% plus capitalised LMI ,
Refinancing Maximum LVR 90% plus capitalised LMI ,
Construction Maximum LVR N/A ,
Vacant Land Maximum LVR N/A ,
Debt Consolidation Maximum LVR 90% ,
Interest Only Maximum LVR 90%

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Fees for Fixed Rate Home Loan - Adelaide Bank - 5 yr fixed SmartFix

Application Fee $595 (Go Between incurs an additional $200) ,
Settlement fee: $100 (Fee displayed as Mortgage Preparation) ,
Funds Disbursement Fee: $15 ,
Note: Additional fees are payable if you have more than one security property, require the support of a guarantor or are taking a Go-Between bridging finance option ,
Monthly Administration Fee $10 per month ,
Split Loan Fee $100 ,
Loan Variation Fee: $350 ,
Credit Increases available. $175 Credit Increase Fee and $150 Security Handling Fee applies. ,
Note: Minimum credit increase amount $10K. Not available during fixed rate periods ,
Redraw Fees: Electronic Redraw Fee - Free ,
Manual Redraw Fee $50. ,
Deferred Establishment Fee: ,
0 - 12 months 0.70% of loan amount as at contract date ,
13 - 24 months 0.53% of loan amount as at contract date ,
25 - 36 months 0.35% of loan amount as at contract date ,
37 - 48 months 0.18% of loan amount as at contract date ,
Discharge Admin Fee $325 ,
Break Costs Fees may be payable in certain circumstances, Refer to lender for further details. ,
Transaction Fees: ,
The offset balance is entitled to a monthly allocation of $10 of the transaction fees detailed below. ,
Note: The balance of any unused allocation will not carry forward to the next month. ,
Free: ,
- Express Line and Adelaide Bank Online Banking transfers and balance enquiries ,
- Direct Debits ,
- Cheque deposit items (other than cheques deposited at Bank@Post) ,
- BPAY payments ,
- Cash Deposits (including Bank@Post) ,
- Auto Deductions (a transfer from one Adelaide Bank account to another Adelaide Bank account) ,
- Auto Payment Plan ,
- Direct Credits ,
- Adelaide Bank/Bendigo Bank ATM balance enquiries, withdrawals and transfers ,
- VISA purchases ,
- Branch VISA cash advances ,
$2.00 for each transaction detailed below: ,
- EFTPOS transactions ,
- Bank@Post withdrawals ,
- Branch withdrawals and transfers