Fixed Rate Home Loan - NAB - Tailored 4 yr fixed

Comparison Rate	7.53%
Amount	$200,000
Term	30 years
Initial Payment Est.	$1,438.36
Monthly Payment Est.	$1,368.82
Total Amount Paid Est.	$500,352
Establishment Fee	$600.00

7.79%

Target Market
General Home Market

Acceptable Income
PAYG SELF EMPLOYED

Home Loan Loan Term
Loan Term 30 Years ( Renewable yearly)

Home Loan Loan Size
Minimum amount $20K ,
No Maximum

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Home Loan Repayment Type
Principal & Interest ,
Interest calculated daily upon drawdown on outstanding balance

Repayment Options
Repayment frequency - weekly, fortnightly or monthly

Extra Repayments
Additional lump sum payments permitted.. An Early Payout Fee is payable if the loan is fully repaid within 4 years from the settlement date.

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Split Loan Facility
Yes

Offset
Yes standard savings rate

Redraw Facility
Yes - redraw on surplus funds where repayments to the loan are running ahead of the prescribed schedule (minimum $2,000).

LVR for Fixed Rate Home Loan - NAB - Tailored 4 yr fixed

Owner Occupier Maximum LVR 95% ,
Refinance Maximum LVR 95% higher LVR refer to Lender ,
Investment Maximum LVR 95% ,
Construction Maximum LVR 95% ,
Land Maximum LVR 95% ,
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 - NAB - Tailored 4 yr fixed

Application Fee $600 for < $300K ,
Application Fee $0 for > $300K (NA for Intro Home Loan) ,
Valuation Fee N/A ,
Account Keeping Fee $10pm ,
Progressive Drawdown Fee $60 per payment ,
100% Offset (if applicable) $10 per month ,
Settlement Fee Nil ($200 if bank staff attend settlement) ,
Legal Fee N/A ,
Switch Fee Nil (Change Type Interest Rate/Repayments, Increase Credit Except By Redraw, Other Changes $600) ,
Rate Lock Fee (fixed rates only) available on request. ,
Early Exit Fee if loan repaid in full within 4 years $900 (Non Introductory Rate H/L) ,
Early Exit Fee if loan repaid in full within 4 years 0.40% Initial Facility Limit (Introductory Rate H/L) ,
Early Repayment Fee $360 (plus any economic cost for all or part of a fixed rate loan. Refer to lender for costs)