Product
Product	Rate Smasher
Region availability	ACT, NSW, QLD, VIC, TAS, SA, WA, NT
Product information

Rates (% p.a.)
Initial interest rate	6.39
Default variable/roll rate	6.84
Interest effective date	11/11/2011
Comparison rate	6.41
Interest Rate Note

Fees
Establishment fee (150k loan)	1
Valuation fee (250k property)	275
Ongoing fee	345
Application fee	1
Mortgage discharge fee	350
Deferred establishment fee	0
Def estb. fee payable within	na
Total Startup Cost	551
Settlement fee	0
Mortgage preparation fee	275
Securitisation fee	0
Solicitor fee	0
Other legal fees
Total legal fees	275
Switch to fix	250
Refix fee	250
Late payment fee	40
Late payment charged on
Fee note

Features
Additonal repayments permitted	y
Maximum additional repayments permitted	No Limit
Additional repayments fee	0
Free transactions per month	15
Redraw facility available	y
Cost per redraw	0
Minimum redraw	100
Free redraws per year
Redraw note
Portable loan	y
Portability fee	500
Combination loan	y
Combination loan fee	0
Use as construction loan	n
Can purchase vacant land?	False

All in one & Offset
All in One loan	n
All in one note
Offset account available	n
Offset account type	n/a
Offset note

Line of credit
Line of credit	y
Credit limit	90%
Minimum repayment	interest
Minimum withdrawal	Unlimited
Withdrawal fee
Line of credit note

Non-conforming
Non-conforming Rate Note
Start up cost note
Loan type
Additional Notes

Terms & Conditions
Type of repayment	io/pi
Max LVR % no mort insurance	80
Max LVR % with mort insurance	95
Amount min	100k
Amount max	1m
Min loan term	10
Max loan term	30
Conditions note
Repay opt	Weekly, Fortnightly, Monthly
Half monthly amt fortnightly	y
Repayment note

Access & Transaction Costs
Mail	y
ATM access	y
ATM own fee	1
Cheque access	y
Fee per cheque	0
Phone/fax access	n
Phone fee
EFTPOS access	y
EFTPOS fee
Internet access	y
Internet fee
Counter access	n
OTC fee
GiroPost access	n
GiroPost fee
BPay access	y
BPay fee
Credit card access	n