Home Loan Update
Rates p.a.
As at 25 November 2011
$0 Monthly Loan Service Fees for the life of the loan on new 3 Year Special Economiser/Rate Saver Loans. Package rates include a maximum saving of 1.00% p.a. on Standard Variable Rate and Lines of Credit (VLOC/LOC) and up to 0.15%p.a. on Fixed Rate in packages.*
Package rates p.a.* Standard fees Monthly Upfront Loan Establishment Service Fee Fee Other information
Home Loans and Investment Home Loans
Annual rate Comparison rate Annual rate Comparison rate Offset
Introductory BaseVariable Rate(BVR)
12MonthDiscounted VariableRate(DVR) 1YearGuaranteedRate 3YearSpecialEconomiser/RateSaver Economiser/RateSaver NoFeeVariableRate StandardVariableRate(SVR) 1YearFixedRate
6.86% 6.33% 6.74% 7.05% 6.86% 7.56% 6.48% 6.19% 6.48% 6.79% 6.89% 7.74% 7.74% 7.74% 7.66% 8.66%
7.62% 7.57% 7.01% 7.19% 6.86% 7.70% 7.58% 7.42% 7.38% 7.41% 7.39% 7.81% 7.83% 7.86% 8.76%
Notavailable 6.56% 6.33% 6.04% 6.33% 6.64% 6.74% 7.59% 7.59% 7.59% 6.66% 6.56% 6.98% 6.85% 6.85% 6.90% 6.92% 7.37% 7.45% 7.54% -
Full Full
$600
$8
$600 NoFee $600
$8 NoFee $8
Other fees∞ -RateLockFee$750 -ProgressiveDrawingFee$75perdrawing -SecurityGuaranteeFee$200perborrower - ettlementAttendanceFee$150 S -SecuritySubstitutionFee$300 -AdditionalSecurityFee$150(pernewsecurity) -LoanIncreaseFee$300 Package benefits (annual fee $350) include; -NomonthlyaccountorwithdrawalfeesonEveryday, SmartAccessorCompleteAccessaccounts^ -EligibleMasterCardCreditCardwithnoannualfee -Interestratesavings,$0upfrontEstablishmentFee~ and$0MonthlyLoanServiceFeesforthelifeofthe homeloanonFixedRate,SVRandVLOC/LOC -Savingsontheotherbanking,investmentand insuranceproducts Ask about our Affordability Options -GuarantorSupport,PropertyShareandInterestOnly In Focus -ManageyourhomeloanusingNetBank.Register onlineatnetbank.com.au -WhereLoantoValuationRatio(LVR)isgreaterthan 85%,newborrowersmustcontributeaminimumof 5%towardsthepropertypurchase.Thismustbein theformofgenuinesavingsheldinanaccountforat least3months.

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