Line of Credit Home Loan - ANZ - Portfolio Equity Manager $250K<$700K (0.60% Disc)

Comparison Rate	7.34%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,325.24
Total Amount Paid Est.	$494,250
Establishment Fee	$750.00

6.96%

Target Market
Flexible, convenient credit limit that allows you to simplify personal or personal investment lending using up to 12 Sub-accounts.

Acceptable Income
Full Docs: Self employed applicants to provided returns for last year (must have been self employed for atleast 2 years), Salary and wage earner. ,
Lo Doc 60: ANZ may accept the customers signed Statement of Position as sufficient evidence of income without the requirement to provide supporting documents. ANZ will confirm employment for PAYG customers who have not been with ANZ for 12 months and will complete an ABN/ACN search for self employed customers. ,
The minimum registration period the ABN must be held for is 6 months prior to the date of application

Home Loan Loan Term
ANZ Portfolio can be an ongoing facility or a term can be requested. Sub-account term must be of the same or lesser term

Home Loan Loan Size
Minimum: $150,000 ,
Sub-Accounts as per product policy, except Primary EMA Sub-account where there is no minimum. ,
Max customer limit is $3,000,000

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Home Loan Repayment Type
Interest Only, Principle & Interest or Interest In Advance available on sub-accounts

Repayment Options
Weekly, Fortnightly and Monthly - based on sub-account

Extra Repayments
Yes for eligible Sub-account product types (see current policy)

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Split Loan Facility
Up to 12 sub-accounts. Primary Sub-account must be Equity Manager. Loan types that can be tae under ANZ Portfolio as a sub account are: ,
SVR Loan, Fixed Rate Loans, Equity Manager ,
Includes loans in a company name. ,
Simplicity Plus product cannot be included in Portfolio Package

Offset
Yes - for eligible sub-account product types

Redraw Facility
Yes - for eligible sub-account product types

LVR for Line of Credit Home Loan - ANZ - Portfolio Equity Manager $250K<$700K (0.60% Disc)

Max LVR 90% ,
Lo Doc - up to 60%

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Fees for Line of Credit Home Loan - ANZ - Portfolio Equity Manager $250K<$700K (0.60% Disc)

Establishment Fee: $750 (One Off Facility Approval Fee paid upfront) ,
Annual Fee: $550 (Credit Facility Fee, per annum paid in arrears for ongoing provision of the facility (facility only). No ongoing Credit Facility Fee or Loan Administration Fee for Sub-accounts) ,
Valuation administration fee $150 applies for administration costs incurred for each valuation or price estimate required. VAF not applicable for second and subsequent valuations if contract of sale used (in line with ANZ Valuation policy) or for Progress Inspections. ,
Discharge Fee $300 (Plus a $160 Discharge Settlement fee applies if refinancing loan with another lender). ,
Early Repayment/Termination Fees (Event based fees are payable where applicable at the Sub-account, such as Fixed Rate Early Repayment Costs). ,
Deferred Establishment Fee Available ($1000 if the Portfolio facility is repaid and closed, or refinanced within 4 years or date open or renewed. Payable at the Portfolio level rather than sub-account level) ,
Guarantee Administration Fee $200 (not payable where the Guarantee is given by Portfolio holders. Only payable for Third Party Guarantees). ,
Renegotiation Fee - $350 ,
Split Fee There are no fees or charges for establishing new Sub-accounts or amending existing Sub-accounts (except on Fixed rate sub-accounts when amended during a fixed term - Early Repayment Costs apply) ,
$750 for any ANZ Portfolio facility applied for split ($0 for splits within a facility and full approval fees for splits outside the facility)