|
Product Matrix - 25 Mar 2008 - Changes Daily - get quote to lock rates
|
1 Year Low Start |
Standard |
Discount Basic |
100% Finance |
Line of Credit |
LoDoc |
LoDoc Line of
Credit |
Fresh Start Series |
Construction |
Seniors |
|
Your Variable Rate |
from 8.30% |
from 8.40% |
from 8.50% |
from 8.67% |
from 8.62% |
from 8.62% |
from 8.70% |
from 8.80% |
from 8.50% |
n/a |
|
Fixed Rate, if available |
|
8.54% $299 rate lock fee applies |
8.54% $299 rate lock fee applies |
|
|
|
|
|
|
9.10% |
| Minimum Loan Amount |
from $50,000 |
from $50,000 |
from $50,000 |
from $50,000 |
from $30,000 |
from $50,000 |
from $30,000 |
from $50,000 |
from $50,000 |
from $10,000 |
| Maximum Loan Amount |
Maximum $500,000 |
No set amount |
maximum $500,000 |
maximum $500,000 |
maximum $2,000,000 |
maximum $2,000,000 |
maximum $2,000,000 |
maximum $500,000 |
No set amount |
Maximum $500,000 |
| Maximum Lend ratio to the value of your
property |
90% |
95% |
95% |
100%, upto 105% |
90% |
95% |
80% |
90% |
95% |
50% |
| Interest Only Option |
1-10 years |
1-10 years |
1-10 years |
N/A |
Full term of the loan |
1-10 years |
Full term of the loan |
N/A |
1-10 years |
|
| Fixed Interest Option |
1-10
years |
1-10
years |
N/A |
1-10
years |
Yes |
1-10
years |
N/A |
1-10
years |
1-10 years |
|
| Minimum Loan Term |
12 months |
12 months |
12 months |
12 months |
No Set Term |
12 months |
No Set Term |
12 months |
12 months |
12 months |
| Maximum Loan Term |
30
years |
30
years |
30
years |
30
years |
No Set
Term |
30
years |
No Set
Term |
30
years |
30
years |
no max |
| Monthly or Annual fee |
Nil |
Nil |
Applies |
Nil |
Nil |
Nil |
Nil |
Nil |
Nil |
Nil |
| Redraw Available |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Split Loan Available |
Yes |
Yes |
N/A |
Yes |
N/A |
Yes |
N/A |
Yes |
Yes |
Yes |
| Repayment frequency |
Monthly,
Fortnightly & Weekly (Interest Only = Monthly) |
Monthly,
Fortnightly & Weekly (Interest Only = Monthly) |
Monthly,
Fortnightly & Weekly (Interest Only = Monthly) |
Monthly,
Fortnightly & Weekly |
Monthly, Fortnightly & Weekly |
Monthly,
Fortnightly & Weekly (Interest Only =
Monthly) |
Monthly |
Monthly,
Fortnightly & Weekly |
Monthly, Fortnightly & Weekly (Interest Only =
Monthly) |
Never |
| Lump Sum repayments |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Inward Direct Debits |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Inward Salary Crediting |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Outward Direct Debit |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Outward Cheque Book |
N/A |
N/A |
N/A |
N/A |
Optional |
N/A |
Optional |
N/A |
N/A |
N/A |
| Outward Debit Card |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Phone Banking |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Internet Banking |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Portability |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Fees and charges
are payable on all mortgages
Details of Terms and Conditions are
available on application. |
