Product
Product	Home Loan HQ Fixed Loan
Region availability	ACT, NSW, QLD, VIC, TAS, SA, WA, NT
Product information

Rates (% p.a.)
Initial interest rate	5.93
Default variable/roll rate	6.24
Interest effective date	09/12/2011
Comparison rate	6.38
Interest Rate Note

Fees
Establishment fee (150k loan)	0
Valuation fee (250k property)	236.5
Ongoing fee	330/y
Application fee	0
Mortgage discharge fee	295
Deferred establishment fee	0
Def estb. fee payable within	na
Total Startup Cost	671
Settlement fee	0
Mortgage preparation fee
Securitisation fee
Solicitor fee	434.5
Other legal fees
Total legal fees	434.5
Switch to fix	395
Refix fee
Late payment fee
Late payment charged on
Fee note

Features
Additonal repayments permitted	n
Maximum additional repayments permitted	0
Additional repayments fee
Free transactions per month
Redraw facility available	n
Cost per redraw
Minimum redraw
Free redraws per year
Redraw note
Portable loan	y
Portability fee
Combination loan	n
Combination loan fee
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	n
Credit limit
Minimum repayment
Minimum withdrawal
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	90
Amount min	0
Amount max	1.5M
Min loan term	0
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
Cheque access	n
Fee per cheque
Phone/fax access	y
Phone fee
EFTPOS access	n
EFTPOS fee
Internet access	y
Internet fee
Counter access	n
OTC fee
GiroPost access	n
GiroPost fee
BPay access	n
BPay fee
Credit card access	n