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Full Doc // LoDoc // Self Certified // NoDoc |
INTEREST TYPE |
Variable Interest Rate |
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Line of credit (LOC) with optional term loan split / VISA. Not available for construction. Regulated and unregulated. |
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Line of credit is 30 years with interest only for the full term (evergreen). Maximum loan term is 30 years. |
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Pay offf home loans more quickly by depositing income into the home loan account - plus save interest and pay bills on an interest FREE VISA debit card (Which is automatically swept each month). Use the loan to purchase home or investment property, or to access the equity in property for any worthwhile personal or investment purposes. |
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Owner-occupiers or investors. Also individuals, companies or trusts. |
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FULL DOC
Minimum: $50,000
Maximum: $2,000,000 |
LO DOC
Minimum: $50,000
Maximum: $1,000,000 |
NO DOC
Minimum: $50,000
Maximum: $1,000,000 |
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FULL DOC
Available up to 90% |
LO DOC
Available up to 80%. For over 80% go to our 100% LVR loan
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NO DOC
Available up to 70% |
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Funder pays if LVR <80% and loan amount <$750,000. Borrower pays or capitalised to the loan account on FullDoc. Capitalised on Lo & No Doc loans. |
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An income test applies. |
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No ongoing monthly account keeping or annual fees. Unlimited free ATM transactions for credit selections when using the zero interest VISA debit card (any other ATM selections incur a fee). Core account: Unlimited free phone (IVR), internet, EFTPOS, biller payments and cheques per month. Over the counter transactions incur a $2 fee. |
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Line of credit: Interest Only repayments required monthly - only pay interest on what is used. VISA: Balance automatically swept back to Line Of Credit 2nd day of each month. Term loan: Interest only for the life of the loan (30 years) paid monthly or principal and interest repayments paid weekly, fortnightly or monthly. |
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This option is available to pay off loans more quickly plus redraw up to the loan balance limit for the term of the loan. |
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Choose to split loans into a fixed portion (post-settlement) from $10,000 and variable portion (pre-settlement). |
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0% Interest, Access funds, even cash advances interest free VISA account. Limit to set up to 3% of the approved LOC loan amount or up to max of $10,000. Portability available on all loans, subject to approval. |
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SIMPLY FILL IN THE APPLICATION AND SEND TO:
FAX: 1300 789 452 OR
MAIL: P.O.BOX 189, Mitcham VIC 3132 |
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