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Active First Home Loan

The intouch Active First Home has all the features and allows borrowers to borrow up to 95% of the purchase price on an owner occupied property. The Active First is also a great relocation loan for consumers looking to buy a new property

How Much Can You Borrow

• You can borrow between $20,000 and $1M

Interest Rate

• Variable rate 6.09%
• Comparison rate 6.12%

Features of the Loan

• Term up to 30 years
• Owner occupied purchases - construction is allowed
• Principal and Interest or Interest Only up to 10 years
• Up to 95% of the value of the security property
• Direct Debit or Salary Crediting monthly, fortnightly or weekly
• Internet or telephone transfer to pre-nominated account for additional repayments
• Additional repayments can be made at any time at no cost
• No minimum redraws via Internet or telephone banking
• Loan can be split into 4 separate accounts
• 100% offset with card access available
• Up to 55 days interest free secured VISA option that is not included in LVR and available at settlement max. $20,000 limit (subject to servicing criteria)
• Ability to switch all or part of loan limit to another product

Fees

• Application Fee - $Nil
• Valuation Fees - approx $295.00 for a standard valuation
• Legal fees - $550.00 where there is one security
• Settlement Fee - $385.00
• All Fees inclusive of GST
• Exit fee - Nil
• Discharge fee - $350.00

 Terms and conditions apply. Fees and charges are payable. The interest rate and comparison rate quoted is current as at  23/10/2012. The Comparison Rate is calculated on the basis of a loan of $250,000 over a term of 30 years.

*The Comparison Rate is calculated on the basis of a loan of $250,000 over a term of 30 years with an annual fee. Warning: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.