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Fixed Rate Home Loans

• 1 year - 5.13%, comparison rate 5.88%
  
• 2 years - 5.13%, comparison rate 5.83%
• 3 years - 5.33%, comparison rate 5.62%
  
• 4 years - 5.65%, comparison rate 5.71%
  
• 5 years - 5.71%, comparison rate 5.74%
  

Rates apply to loans where 50% of the total loan facility is fixed - if you are seeking fixed rate option for more than 50% of the total loan amount then add 0.15% to the fixed rate option abaove

How Much Can You Borrow

• You can borrow between $50,000 and $2M (minimum $25,000 in combination or split)
  
  

Features of the Loan

• Term is from 10 - 30 years
• Principal and Interest or interest only up to 5 years
• Up to 90% Loan to value ratio
• Direct Debit or Salary Crediting either monthly or fortnightly
• Internet or telephone transfer to pre-nominated account for additional repayments
• Additional repayments can be made
• No minimum redraws via Internet or telephone banking
• Loan can be split into 4 separate accounts

Fees

• Application Fee - Nil
• Valuation Fees - approx $240.00 for one standard valuation
• Legal Fees - Nil where there is one security property
• Settlement Fee - $250.00
• Early repayment fee dependent on term of fixed rate

Terms and conditions apply. Fees and charges are payable. The interest rate and comparison rate quoted is current as at  30/04/2013. 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.