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  Advantage Special Austral Advantage Home Loan First Home Buyer AdvantagePlus -100% Offset Variable AdvantagePlus - 100% Offset Fixed AdvantagePlus - 100% Offset Home Buyer Advantage
Line of Credit
GoBetween AdvantagePlus - 100% Offset AdvantagePlus  Construction Loan
Description A standard term loan option that offers Principal & Interest repayments for the full term of the loan. Interest rate flexibility allows you to have a fixed or variable interest rate, and you can also split your Standard term loan with no offset facility. P&I or Interest Only option. First Home Buyer Special
Fully featured loan with 100% offset facility
Up to $1000 fee Refunded on settlement
Fully featured loan with 100% offset facility
Interest charges calculated on the net balance
Fully featured loan with 100% offset facility
1 - 5 year Fixed
Repay up to $20K extra pa without penalty
A flexible Line of Credit interest only facility to access the equity in your home. Capitalising feature helps manage cash flow. Fully featured loan with 100% offset facility. Allows you to purchase/build a new home before selling your existing
6 Months to sell No Repayments for 6 mths
Loan is drawn down progressively during construction period
Construction must be carried out by a licenced builder under a fixed price contract
Suitable For Home Buyers Refinancers Investors Home Buyers Refinancers Investors First Home Buyers Home Buyers Refinancers Investors Home Buyers Refinancers Investors Home Buyers Refinancers Investors Up-Sizers
Right-Sizers
Down-Sizers
Builders Renovators

Rates & Fees

(at 27 February 2015)
Rate Type Variable or Fixed 1-5 yrs Variable Variable Variable Fixed 1-5 yrs Variable Variable Variable
Interest Rate 4.49% refer to Advantage Plus for fixed rates
1 yr 4.63%
2 yr 4.53%
3 yr 4.63%
4 yr 4.83%
5 yr 4.93%
4.81% 4.84% 4.84%
1 yr 4.63%
2 yr 4.53%
3 yr 4.63%
4 yr 4.83%
5 yr 4.93%
4.94% 4.94% 4.94%
Comparison Rate Variable is 4.57%

Fixed is:
1 yr 5.07%
2 yr 5.02%
3 yr 5.00%
4 yr 5.04%
5 yr 5.07%
4.89% 4.92% 4.92%
1 yr 5.07%
2 yr 5.02%
3 yr 5.00%
4 yr 5.04%
5 yr 5.07%
n/a 5.05% 5.05%
Application Fee $330 $330 $330 $330 $330 $330 $440 $440
Valuation Fee per quote - generally $295 per property <$1M; $505 per property $1M-$2M; subject to location
Lenders Legal Fees per quote - for personal borrowers/single security loans generally $385
On-Going Fees $NIL $NIL $NIL $NIL $NIL $150 p.a $NIL $NIL
Lenders Contract Fee $150
plus $50 per split
$150
plus $50 per split
$150
plus $50 per split
$150
plus $50 per split
$150
plus $50 per split
$150
plus $50 per split
$250
plus $50 per split
$250
plus $50 per split

Features

Loan Size $100,000 to $5M
subject to Lending
$100,000 to $5M
subject to Lending & LMI criteria
$100,000 to $600,000
subject to Lending & LMI criteria
$100,000 to $5M
subject to Lending & LMI criteria
$100,000 to $5M
subject to Lending & LMI criteria
$100,000 to $5M
subject to Lending & LMI criteria
$100,000 to $5M
subject to Lending & LMI criteria
$100,000 to $5M
subject to Lending & LMI criteria
100% Offset YES N/A YES YES YES N/A YES YES
Max Loan Term 30 years 30 years 30 years 30 years 30 years 25 years 30 years 30 years
Interest Only Option N/A 0-10 years 0-10 years 0-10 years 0-10 years 0-10 years 0-10 years 0-10 years
Split Option Up to 4 split accounts. Min $10K per account Up to 4 split accounts. Min $10K per account Up to 4 split accounts. Min $10K per account Up to 4 split accounts. Min $10K per account Up to 4 split accounts. Min $10K per account Up to 4 split accounts. Min $20K per account Up to 4 split accounts. Min $10K per account Up to 4 split accounts. Min $10K per account
Redraw Free Online redraw Manual redraw $50 fee for min $500 Free Online redraw Manual redraw $50 fee for min $500 Free Online redraw Manual redraw $50 fee for min $500 Free Online redraw Manual redraw $50 fee for min $500 Free Online redraw Manual redraw $50 fee for min $500 N/A Free Online redraw Manual redraw $50 fee for min $500 Free Online redraw Manual redraw $50 fee for min $500
Online Banking
Phone Banking
Salary Crediting
Direct Debiting
Portability
Cash Card
10 free transations p.m.
Linked to Offset N/A Linked to Offset Linked to Offset Linked to Offset N/A Linked to Offset Linked to Offset
Visa Card
Fees & Charges apply
N/A N/A N/A N/A N/A Up to $20K N/A N/A
Cheque Book
Fees & Charges apply
N/A N/A N/A N/A N/A YES - $1/withdrawal N/A N/A
Repayment Options Weekly, Fortnightly or Monthly Weekly, Fortnightly or Monthly for P & I Monthly for I/O Weekly, Fortnightly or Monthly for P & I Monthly for I/O Weekly, Fortnightly or Monthly for P & I Monthly for I/O Weekly, Fortnightly or Monthly for P & I Monthly for I/O Monthly Weekly, Fortnightly or Monthly for P & I Monthly for I/O Weekly, Fortnightly or Monthly for P & I Monthly for I/O
Extra Repayments Variable rate: Unlimited. Fixed Rate: Up to $20k p.a. per account allowed Variable rate: Unlimited Variable rate: Unlimited Variable rate: Unlimited Fixed Rate: Up to $20K p.a. per account allowed Unlimited Variable rate: Unlimited Variable rate: Unlimited
Max Loan to Value 70% and under for P & I 95% for P & I Owner-occupied
90% for Interest Only/Investment
95% for P & I Owner-occupied
90% for Interest Only/Investment
95% for P & I Owner-occupied
90% for Interest Only/Investment
95% for P & I Owner-occupied
90% for Interest Only/Investment
95% for P & I Owner-occupied
90% for Interest Only/Investment
80% on Peak Debt
80% on End Debt
95% for P & I Owner-occupied
90% for Interest Only/Investment
Lenders Mortgage Insurance N/A Borrower pays if LVR >80% Borrower pays if LVR >80% Borrower pays if LVR >80% Borrower pays if LVR >80% Borrower pays if LVR >80% No cost to Borrower Borrower pays if LVR >80%
Business Purpose 20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
20% to $100K
Excludes working capital and personal or tax liabilities
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