Basic Home Loan - St George Bank - Promotional Basic Home Loan

Comparison Rate	6.79%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,298.53
Total Amount Paid Est.	$468,140
Establishment Fee	$500.00

6.76%

Target Market
To buy or refinance residential security, for both Owner Occupiers and Investors. Consolidation of debt may form part of loan sought. ,
The Family Pledge option is available refer to Family Pledge Profile - for policy details.

Acceptable Income
Self employed, Salary & Wage earners.

Home Loan Loan Term
Principal & Interest: 3 - 30years.
Interest Based: 3 - 15 years. All interest only loans will be Combination Loans, ie Interest Only for up to the first 15 years reverting to t P & I for at least 1 year.

Home Loan Loan Size
Minimum: $30K ,
Maximum: $1M

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Home Loan Repayment Type
Principal & Interest : 3 - 30 yrs ,
Interest Based: 3 - 15 yrs.

Repayment Options
Weekly, fortnightly or monthly frequencies allowed on Principal & ,
Interest loans. Monthly frequency only for Interest Based repayments. ,
Repayment Pause available.

Extra Repayments
Principal and Interest- Fortnightly, Monthly or weekly. ,
Interest Only 15yrs - Monthly. ,
Standard monthly repayments by automatic transfer or phone/internet (via Freedom Savings Account).

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Split Loan Facility
Yes

Offset
No.

Redraw Facility
Redraw Fee Electronic $0 ,
Manual $50. ,
No minimum amount applicable. ,
Note redraw isn't available until the next payment due date after settlement. ,
With most of our 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 Basic Home Loan - St George Bank - Promotional Basic Home Loan

Owner Occupied Maximum LVR 95% ,
Investment Maximum LVR 95% ,
Construction Maximum LVR 0% ,
Refinancing Maximum LVR 90% ,
Debt consolidation Maximum LVR 90% ,
Residential vacant land LVR 95% ,
,
Maximum LVR of 95% for existing customers only (please refer to Special Credit Critera for definition of an existing customer) ,
Maximum LVR of 90% for new customers. ,
,
No second mortgages. Apart from a second mortgage used with a family pledge. ,
,
FASTRefi is a process that allows settlement for refinancing of residential loans to be completed within days of the customer signing the loan documents. For more information on this service contact your broker support centre Mortgage Central on 1300 137 532.

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Fees for Basic Home Loan - St George Bank - Promotional Basic Home Loan

Establishment Fee $500 ,
Early Repayment Fee $1k if loan is discharged within the first 3 years ,
Settlement/Lodgement Fee:$ 100 (Fee displayed as Mortgage Preparation) ,
Monthly Service Fee: Nil ,
Additional Valuations:$100 for each additional security after the first. Valuers traveling allowance charged for remote properties. ,
Additional security fee $100 ,
Additional Security Fee: $100 per security ,
Redraw Fee Electronic $0. ,
Manual Redraw Fee $50. ,
Increase Fee $500 ,
Switch Fee to LIS $500 ,
Rate lock fee N/A ,
Consent to Subdivision $350. ,
Substitution of Security $350. ,
Renegotiation $500 ,
Discharge of Mortgage Fee $250. ,
Discharge Settlement Processing Fee $100 ,
Arrears Letter Fee $50. ,
Split Fee $150 ,
Refer to Fee Guide in Lender Manual Folder for full list of the fees.