| Lender |
 |
St George Bank Home Loan |
|
| Product |
Promotional Basic Home Loan |
Current
Interest Rate |
6.17% |
Current
Comparison Rate
Estimated |
6.21% |
| Amount Borrowing |
$150,000 |
| Home Loan Term |
30 years |
Monthly Repayment
Estimated |
$915.79 |
Total Payment
Estimated |
$330,260 |
| Establishment Fee |
$500.00 |
| Apply/Enquire |
 
|
| Suitable For |
To buy or refinance residential security, for both Owner Occupiers and Investors. Consolidation of debt may form part of loan sought.
,
The Family Pledge option is available refer to Family Pledge Profile - for policy details. |
| Acceptable Income |
Self employed, Salary & Wage earners. |
| Home Loan Term |
Principal & Interest: 3 - 30years.
,
Interest Based: 3 - 15 years. All interest only loans will be Combination Loans, ie Interest Only for up to the first 15 years reverting to t P & I for at least 1 year. |
| Home Loan Size |
Minimum: $30K
,
Maximum: $1M |
| Payment Type |
Principal & Interest : 3 - 30 yrs
,
Interest Based: 3 - 15 yrs. |
| Payment Options |
Weekly, fortnightly or monthly frequencies allowed on Principal &
,
Interest loans. Monthly frequency only for Interest Based repayments.
,
Repayment Pause available. |
| Extra Repayments |
|
| Split Loan |
Yes |
| Offset |
No. |
| Redraw Facility |
Redraw Fee Electronic $0
,
Manual $50.
,
No minimum amount applicable. |
| LVR |
Owner Occupied Maximum LVR 95%
,
Investment Maximum LVR 95%
,
Construction Maximum LVR 0%
,
Refinancing Maximum LVR 90%
,
Debt consolidation Maximum LVR 90%
,
Residential vacant land LVR 95%
,
No second mortgages. Apart from a second mortgage used with a family pledge.
,
No Genuine Savings is available refer to Special Lenders Criteria for information.
,
FASTRefi is a process that allows settlement for refinancing of residential loans to be completed within days of the customer signing the loan documents. For more information on this service contact your broker support centre Mortgage Central on 1300 137 532. |
| Home Loan Fees |
Establishment Fee:$500 (Inc. 1 Val.)
,
Early Repayment Fee $1k if loan is discharged within the first 3 years
,
Settlement/Lodgement Fee:$ 100 (Fee displayed as Mortgage Preparation)
,
Monthly Service Fee: Nil
,
Additional Valuations:$0 Valuers travelling allowance payable by customer.
,
Additional security fee $100
,
Additional Security Fee: $100 per security
,
Redraw Fee Electronic $0.
,
Manual Redraw Fee $50.
,
Increase Fee $500
,
Switch Fee to LIS $500
,
Rate lock fee N/A
,
Consent to Subdivision $350.
,
Substitution of Security $350.
,
Renegotiation $500
,
Discharge of Mortgage Fee $500.
,
Discharge Settlement Processing Fee $100
,
Arrears Letter Fee $50. |
| Apply/Enquire |
|