Product
Product	Reduce 3 Year Fixed
Region availability	ACT, NSW, QLD, VIC, TAS, SA, WA, NT
Product information

Rates (% p.a.)
Initial interest rate	6.21
Default variable/roll rate	6.44
Interest effective date	28/02/2012
Comparison rate	6.37
Interest Rate Note

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

Features
Additonal repayments permitted	n
Maximum additional repayments permitted	0
Additional repayments fee	0
Free transactions per month
Redraw facility available	y
Cost per redraw	0
Minimum redraw	no min
Free redraws per year	no limit
Redraw note	$0 internet/phone/EFT. Elec r/draw
Portable loan	y
Portability fee	0
Combination loan	y
Combination loan fee
Use as construction loan	y
Can purchase vacant land?	True

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
Credit limit
Minimum repayment
Minimum withdrawal
Withdrawal fee
Line of credit note

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

Terms & Conditions
Type of repayment	io/pi
Max LVR % no mort insurance	80
Max LVR % with mort insurance	95
Amount min	50k
Amount max	1M
Min loan term	1
Max loan term	30
Conditions note
Repay opt	Weekly, Fortnightly, Monthly
Half monthly amt fortnightly	n
Repayment note

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