Variable Rate Home Loan - Home Loans Ltd - Premium Saver

Comparison Rate	6.84%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,276.00
Total Amount Paid Est.	$469,459
Establishment Fee	$199.00

6.59%

Target Market
The Homeloans Premium Saver is a fully featured loan for purchase, refinance or debt consolidation at a great variable rate.

Acceptable Income
PAYG, Self-Employed, Part-time, Casual, Second job, Overtime, Shift allowance, Social security benefits, Government pensions, Investment income (interest and dividends), Business income. NOTE: Special conditions apply for each income, please contact your BDM for further information.

Home Loan Loan Term
Principal & Interest: 5 to 30 years.
Interest Only: 5 years.
Once Principal & Interest option is selected, P&I repayments are required for the term of the loan. Interest only converts into P&I after maximum of 5 years for the remainder of the time.

Home Loan Loan Size
Minimum: $30K ,
Maximum <=80% LVR: $2M, Maximum >80% LVR: $1M ,
Regional Max $750K ,
Country Max $500K

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Home Loan Repayment Type
Principal & Interest ,
Interest Only

Repayment Options
Monthly, fortnightly or weekly.

Extra Repayments
Additional repayments may be made at any time (not applicable for fixed option).

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Split Loan Facility
Available.

Offset
Not Available.

Redraw Facility
Available. No fee and no minimum redraw amount. Telephone & Internet Banking, Cheque, ATM and EFTPOS and Direct credit. $45 fee via Client Services.

LVR for Variable Rate Home Loan - Home Loans Ltd - Premium Saver

Owner Occupied Maximum LVR 90% plus LMI ,
Investment Maximum LVR 90% ,
Construction Maximum LVR NA ,
Refinancing Maximum LVR 90% including LMI ,
Vacant Land Maximum LVR NA ,
Debt consolidation Maximum LVR 90% ,
Non Residents Maximum LVR 80%

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Fees for Variable Rate Home Loan - Home Loans Ltd - Premium Saver

Establishment Fee $199 ,
Valuation Fee - At Cost (Average valuation costs on a standard property are $240). Valuation fee is chargeable following conditional approval and prior to the valuation/s being ordered. ,
Ongoing Fee: $330 Yearly payable at settlement ,
Mortgage Prep Fee: $642.50 (Settlement Fee, Solicitors Fee and Loan Processing Fee) ,
Deferred Establishment Fee - 1.0 x notional repayment. ,
Deferred Establishment Fee > $500k - 1.5 x notional repayments. ,
Deferred Establishment Fee is payable where the loan facility is fully repaid within 5 years of settlement. The notional repayment is defined as the calculation of a monthly repayment assuming that the loan is fully drawn.