Product
Product	Basic Variable Home Loan
Region availability	ACT, NSW, QLD, VIC, TAS, SA, WA, NT
Product information	Rate benchmarked at 0.7% below Community CPS SVR. First Home Buyers qualify for DEF

Rates (% p.a.)
Initial interest rate	6.14
Default variable/roll rate
Interest effective date	15/05/2012
Comparison rate	6.26
Interest Rate Note	Can make extra repayments penalty free

Fees
Establishment fee (150k loan)	0
Valuation fee (250k property)	200
Ongoing fee	11/m
Application fee	0
Mortgage discharge fee	295
Deferred establishment fee	445
Def estb. fee payable within	5y
Total Startup Cost	1240
Settlement fee	150
Mortgage preparation fee	0
Securitisation fee	0
Solicitor fee	0
Other legal fees
Total legal fees	445
Switch to fix	0
Refix fee	0
Late payment fee	0
Late payment charged on
Fee note	0

Features
Additonal repayments permitted	y
Maximum additional repayments permitted	no limit
Additional repayments fee	0
Free transactions per month	0
Redraw facility available	y
Cost per redraw	10
Minimum redraw	500
Free redraws per year	0
Redraw note	$10 online, $35 self-assisted
Portable loan	y
Portability fee	0
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	y
All in one note
Offset account available	n
Offset account type	n/a
Offset note

Line of credit
Line of credit	n
Credit limit
Minimum repayment
Minimum withdrawal	n/a
Withdrawal fee
Line of credit note

Non-conforming
Non-conforming Rate Note
Start up cost note
Loan type	Self-Employed, Older Borrowers
Additional Notes

Terms & Conditions
Type of repayment	pi
Max LVR % no mort insurance	80
Max LVR % with mort insurance	95
Amount min	50K
Amount max	1M
Min loan term	5
Max loan term	30
Conditions note	FROM 03/06/08: Min.loan amt. $50K
Repay opt	Weekly, Fortnightly, Monthly
Half monthly amt fortnightly	n
Repayment note

Access & Transaction Costs
Mail	n
ATM access	n
ATM own fee
Cheque access	n
Fee per cheque
Phone/fax access	y
Phone fee	0
EFTPOS access	n
EFTPOS fee
Internet access	y
Internet fee	10
Counter access	y
OTC fee	35
GiroPost access	n
GiroPost fee
BPay access	n
BPay fee
Credit card access	n