Your Guide to Adelaide Bank

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1 Your Guide to Adelaide Bank

2 Why Adelaide Bank? Because we understand that your customer s home loan is more than just another mortgage. It s your hard work, your time, and your reputation. But it s also how we connect with you, and how we treat you. How we listen to you and understand what you need. We take you and your business, personally. You see, we ve been delivering prosperity and homeownership to generations of Australians for over 150 years. Our product offering is simple, reliable, and good value. Our service is exceptional, award winning, and personal. Above all, we believe everyone has a right to own their own home. Which is why we specialise in delivering affordable home lending solutions for all. It s personal. A streamlined approach Adelaide Bank offers a streamlined approach to home lending that appeals to a broad range of customers. Whether your client is buying a home, or an investment property, or refinancing an existing debt, we have a product to suit their individual needs. SmartFit a competitive variable rate with 100% offset SmartFix a choice between 1-5 year fixed terms with 100% offset SmartSaver a basic home loan with a lower variable rate SmartDoc (low doc) choose between a variable or fixed rate with 100% offset, supporting evidence of income not required SmartDoc Plus (doc) a variable rate with 100% offset (available for loans with an LVR of 60-70% with no LMI only), supporting evidence of income not required

3 Who are our loans for? Our home loans explained Applicant type Loan purpose Other criteria Available for individuals and joint borrowers wishing to borrow between $10,000 and $5,000,000. (Not available for companies or trusts, self employed less than 2 years, family pledge, overseas, or non-permanent Australian resident applicants.) Our home loans can be used to: Purchase an owner occupied or investment property Refinance an existing mortgage Consolidate debts Extract equity Provide an alternative to a pro-pack Buy a new home before selling an existing home (Go-Between bridging finance) (Not available for construction, land, or inner city apartments.) Maximum of 3 securities per application No second mortgages No credit defaults (SmartDoc and SmartDoc Plus) (Consideration can be given to other proposals which have defaults provided the circumstances have been investigated and the default(s) rectified.) SmartFit (variable rate) SmartFit s variable rate gives your client the flexibility to take advantage of interest rate decreases as repayments and interest charges change with the market. SmartFit is a fullyfeatured variable home loan that puts your client in control. Features include: CANSTAR 5 star award rating 100% offset account A competitive variable rate Unlimited additional repayments at any time without penalty FREE electronic redraw (minimum $500) Transact on the offset balance (fee free for almost all transaction types) Monthly statements LVRs up to 95% (subject to location and LMI), including capitalised LMI FREE conversion to a fixed rate at any time SmartFix (fixed rate) A fixed rate gives your client peace of mind knowing their repayments will not change over the fixed period. SmartFix is a fully-featured fixed rate home loan that puts your client in control. Features include: 100% offset account Competitive 1-5 year fixed terms Additional repayments up to $20,000 p.a. without penalty FREE electronic redraw (minimum $500) Transact on the offset balance (fee free for almost all transaction types) Monthly statements LVRs up to 95% (subject to location and LMI), including capitalised LMI FREE to re-fix or convert to a SmartFit low rate variable loan

4 Our home loans explained cont. SmartSaver (lower variable rate) SmartSaver is a basic home loan with a lower variable rate. It is ideal for budget-conscious borrowers who don t need all the additional features of the SmartFit. Available for the purchase or refinance of an owner occupied or investment property, your clients will benefit from: CANSTAR 5 star award rating A great low variable rate No monthly administration fees FREE electronic redraw (minimum $500) Unlimited additional repayments at any time without penalty A choice between Principal and Interest and Interest Only repayments LVRs up to 95% (subject to location and LMI), including capitalised LMI $50,000 cash out available (total borrowings) SmartDoc (doc) Suitable for self-employed borrowers, SmartDoc is a low documentation loan that does not require your clients to provide supporting evidence of income. SmartDoc provides access to a fully-featured home loan without the usual hassles associated with providing payslips and tax returns. Key benefits include: 100% offset account FREE electronic redraw (minimum $500) Choice of repayment frequency Variable and fixed rates available Transact on the offset balance (fee free for almost all transaction types) Monthly statements LVRs up to 80% (subject to location and LMI), plus capitalised LMI FREE conversion from a SmartDoc variable to fixed rate at any time (convert to a SmartFix rate with proof of income) SmartDoc Plus (doc) SmartDoc Plus loans do not require your clients to provide supporting evidence of income and do not require LMI to be taken out for higher LVRs. Suitable for self-employed borrowers and customers refinancing from other lenders, SmartDoc Plus provides access to a fully-featured home loan without the usual hassles associated with providing payslips and tax returns. Available for the purchase or refinance of an owner occupied or investment property, SmartDoc Plus offers: 100% offset account Unlimited additional repayments without penalty FREE electronic redraw Choice of repayment frequency A competitive variable rate Transact on the offset balance (fee free for almost all transaction types) Monthly statements LVRs between 60% and 70% without LMI

5 Key features Redraw Whether it s for a holiday, a new car or home renovations, our free electronic redraw facility gives your clients instant access to their additional repayments whenever they need them. Your clients will benefit from: Minimum redraw amount $500 Available 24 hours a day, 7 days a week Available on any owner occupied or investment loan Available on our variable and fixed rate home loans Mortgage reduction The ability to make extra repayments without penalty on a home loan is a much sought after option. Our flexible repayment options can help your clients pay off their home loans sooner and reduce the amount of interest they pay over the life of their loans. These options include: 100% offset, 100% of the time - even with fixed rates (excluding SmartSaver) Weekly, fortnightly or monthly repayment options Unlimited extra repayments on variable rate loans Additional repayments of up to $20,000 p.a. without penalty on fixed rate loans 100% offset Put simply, an offset account is a savings account that offsets the balance in that account against the balance of your client s home loan. By having their savings in an offset account linked to their mortgage, your client can reduce the amount of interest they are paying on their home loan. An offset account could potentially take years off a borrower s home loan and save them thousands of dollars in interest over time. Our offset account offers 100% offset, 100% of the time - meaning that 100% of your client s savings will be reducing their home loan interest every day. For example, if your client has a home loan balance of $200,000 and has $20,000 in their offset account, they will only be charged interest on $180,000. Our 100% offset account lets your clients see at a glance what they owe and what they own because the offset balance is shown separately. This feature is even available on our SmartFix home loan. We are one of few lenders in the market that offers 100% offset on a fixed rate product. Go-Between A Go-Between loan offers your client an easy way to purchase a new home before they sell their existing one. Rather than making two sets of loan repayments while they are selling their existing home, no repayments are required on the new home loan during the Go-Between period. (Interest capitalises in this time.) Assessment is based on the end debt amount. The Go-Between is designed to cater for both the peak debt and the end debt, all in the one account. (Not available with SmartSaver.) Your clients will benefit from: LVRs up to 85% for standard loans or 80% for SmartDoc (including capitalised interest) Interest capitalisation for up to 6 months.

6 Other products Adelaide Bank offers a competitive range of products, available exclusively for our existing home loan customers. These include transaction accounts, savings accounts, term deposit accounts, credit cards and insurance. Deposit accounts MyEveryday Account this low fee everyday transaction account gives your client convenient access to their funds anywhere Visa is accepted, including online, overseas or over the phone. Lending policy The following table provides a quick guide to LVR and loan amount. The maximum LVR values according to the loan type, purpose and loan amount are: Loan type or purpose Maximum LVR* Principal and interest 95%** Interest only 90% Refinance 90% MySaver Account accessible primarily online, this at-call deposit account provides a higher interest rate than an everyday transaction account. Money Market Term Deposit Account our term deposits are designed to provide higher interest rates than traditional savings accounts; we offer terms ranging from 30 days to 5 years. Insurance Investment 90% Debt consolidation 90% Home equity/cash out 90% *LVRs are subject to location and LMI criteria. LMI premiums can be capitalised in excess of the max LVRs listed above. **Loans greater than 90% LVR require a minimum serviceability ratio of 1.2. LMI premiums can be capitalised inclusive for 95% LVR. Contact your BDM or Partner Assist for more information. Home and Contents Insurance covers your client s home, garage, any domestic outbuildings and contents for either; damage caused by specific events such as fire, storm, flood, water damage, impact, malicious acts and accidental breakage of glass (Bronze and Silver Home Cover) OR accidental damage (Gold Home Cover). Landlords Insurance, Car Insurance and Travel Insurance are also available. Credit cards Visa your clients will enjoy the convenience of shopping anywhere, anytime with an Adelaide Bank Visa card. They can also maximise the benefits of their offset account by making their purchases through Visa and setting up a monthly sweep to pay it off from their offset account. This can help reduce the amount of interest they are paying on their home loan.

7 Compare our home loans SmartFit and SmartFix SmartSaver SmartDoc SmartDoc Plus Key benefits available for a wide variety of purposes principal and interest or interest only repayments transact on your offset balance via Cashcard and electronic banking (fee free for almost all transaction types) low variable rate no monthly administration fee principal and interest or interest only repayments suits self-employed and, in some cases, PAYG borrowers available for a wide variety of purposes principal and interest or interest only repayments transact on your offset balance via Cashcard and electronic banking (fee free for almost all transaction types) suits self-employed and, in some cases, PAYG borrowers no LMI required for up to 70% LVR principal and interest or interest only repayments transact on your offset balance via Cashcard and electronic banking (fee free for almost all transaction types) Loan purpose Owner-occupied Investment Purchase/ Refinance Equity Debt consolidation Go-Between Min $200 fee applies Cash out up to $50,000 total borrowing Limits apply Limits apply Min $200 fee applies Application fee $375 $375 $375 $375 Settlement fee $120 $120 $120 $120 Administration fee $15 per month $15 per month $15 per month Interest rate Variable SmartFit Fixed 1-5 year terms SmartFix Variable Variable or Fixed 1-5 year terms Variable Standard max LVR 95% principal and interest* 90% interest only* 95% principal and interest* 90% interest only* 80% principal and interest* 80% interest only* 70% principal and interest* 70% interest only* Loan amount Min $10,000 Max $5 Million subject to LMI Min $10,000 Max $5 Million subject to LMI Min $10,000. Max varies according to LMI provider, LVR, employment status and security location Min $10,000. Max varies according to LMI provider, LVR, employment status and security location Loan term 5 to 30 years 5 to 30 years 5 to 30 years 5 to 30 years 100% offset Repayment options Principal and interest interest only Principal and interest interest only Principal and interest interest only Principal and interest interest only Extra repayments Max $20,000 p.a. (fixed) Max $20,000 p.a. (fixed) Statements Monthly Half yearly Monthly Monthly Repayment frequency Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Redraw Min $500 Min $500 Min $500 Min $500 Split loans $100 per split $100 per split $100 per split $100 per split Break costs 1 Fixed rate break costs - economic loss adjustment Fixed rates Variable rate Fixed rates Variable rate *Including Capitalised LMI and subject to LMI acceptability, location and loan purpose. 1 May be applicable depending on age of loan and the terms.

8 brokers.adelaidebank.com.au Adelaide Bank is a Division of Bendigo and Adelaide Bank Limited, ABN AFSL and Australian Credit Licence GPO Box 1048, Adelaide SA 5001, adelaidebank.com.au. Information correct and effective as at 1 October 2015 and is subject to change. Adelaide Bank lending criteria, terms, conditions, fees and charges apply. Full details of terms & conditions available on application. (S52882)(08/15)

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