Basic Home Loan Product Specification

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1 Basic Home Loan Product Specification For further information Mortgage Central This product specification is the property of St.George Bank. It is for the use of St.George Bank employees, contractors and accredited brokers only. It is not to be distributed to customers.

2 Product description The Basic Home Loan is a variable rate loan at a competitive variable interest rate with no monthly administration fees for the life of the loan. No honeymoon rate period applies to this product. Key benefits / target market The main selling features of the Basic Home loan are its simplicity and price. Key benefits Unlimited additional repayments Redraw facility Flexible repayment frequency Availability The Basic Home Loan is available to new and existing borrowers as long as the application criteria are met: The Basic Home Loan is AVAILABLE for: Owner Occupiers Investors New loans Existing loans (switching) First mortgages only (can apply with multiple securities as first mortgage) Company title properties Existing properties used for other St.George facilities Loan amount increases Vacant land Loans with guarantors (eg Family Pledge) End debt of a Relocation Loan The Basic Home Loan is NOT AVAILABLE for: Building loans Interest in Advance repayment option Savings plan loans Rent to buy proposals Extended settlement loans Company borrowers Trusts Splitting An existing Basic Home Loan can be split to create an additional sequence. Switching Existing loans may switch to the Basic Home loan as long as all applicable criteria are met. Switch fees and break costs are payable as applicable. Refer to the interest rates and fees section of the website. All standard Basic Home Loan criteria must be met when switching into a Basic Home Loan product: Loan amount (minimum and maximum loan amounts to be observed) Security must be acceptable for Basic Home Loan Loan term No capitalisation of interest Lender s Mortgage Insurance no action required when converting No Companies or Trusts Loan amount increase A loan amount increase to an existing Basic Home Loan is allowed. Further Loan and loan amount increase The Basic Home Loan can be selected as a further loan. A further loan is an additional loan under the same security and borrowers and where a new loan is created as an additional sequence. Loan amount increases on the current sequence are allowed on the Basic Home Loan. Customers who would like to increase their current Basic Home Loan have the ability to request a switch to a standard fixed rate automatically on settlement of the increase. Building Loan The Basic Home Loan is not available during the construction period. Refinances from other Financial Institutions LVR cannot exceed 90% Loan statements must be obtained from the current lender to verify the loan repayment history during the previous six (6) month period. Loan amount Minimum: $30,000 Maximum: $1,000,000 Page 2 of 5

3 Note: Minimum loan amount also applies to increases Loan amounts in excess of $1,000,000 are not acceptable for the Basic Home Loan. Interest rate Refer to the interest rates and fees section of the website. Loan term Principal & Interest: 1 30 years Interest Based Term: - maximum of 15 years (the loan term has a maximum period of 30 years) At the end of the interest based term the repayments automatically change to Principal and Interest for the remainder of the contract term, which must be for a minimum of 12 months. Repayment types Principal & Interest Interest Based Principal & Interest Repayments are calculated at the interest rate charged to the loan using the loan balance + prepayments. This figure is rounded to the next whole dollar. The minimum repayment frequency required is monthly. Customers may nominate to pay weekly or fortnightly. Fortnightly repayments are one half of the minimum monthly repayment. Weekly repayments are one quarter of the minimum monthly repayment. Weekly and fortnightly frequency repayments must be in whole dollars. If necessary, these payments are rounded up to the nearest dollar. Interest Based Repayments are calculated at the interest rate charged to the loan using the loan balance at the time of calculation multiplied by the interest rate divided by 12. This final figure is NOT rounded up. Monthly repayment frequencies ONLY are allowed for interest based repayments ie, the customer cannot nominate to pay weekly or fortnightly. Repayment due date The first repayment is due one month after the settlement date, unless that date is the 29th, 30th or 31st of the month; then the repayment is due on the 28th of the next month. All subsequent repayments are due on the same day as the first repayment in each following month. For customers nominating weekly or fortnightly repayments, these payments will commence as follows: Weekly on the first nominated day following monthly payment due date Fortnightly on the second nominated day following the monthly payment due date Example: The monthly repayment is due on the 24th and the customer has nominated Tuesday as the repayment day. If weekly repayments were nominated, the first weekly repayment would come out of the transaction account on the first Tuesday after the 24th of the month following the input of the frequency. If fortnightly repayments were nominated, the first fortnightly repayment would come out of the transaction account on the second Tuesday after the 24th of the month. Customers may nominate any week day (Monday to Friday) for weekly or fortnightly repayment frequencies. Monthly repayments ONLY are allowed when paying interest based repayments. Repayment method The monthly payment is the minimum amount a borrower is required to pay each month under the loan contract. All borrowers should be encouraged to open A St.George transaction account from which loan repayments can be deducted. Automatic transfer Automatic transfer from a St.George transaction account is the repayment method preferred by St.George Bank (also referred to as Bank ). Note: May not apply to all transaction accounts (refer to Bank Account Fees and Charges and how to minimise them for applicable conditions.) Page 3 of 5

4 Direct Credit (Inward Direct Entry) A payment via Direct Credit to the loan initiated from another financial institution can be accepted. Direct Debit (Outward Direct Entry) Payments can be made via an automatic transfer (set up by St.George) from a transaction account at another financial institution. Branch Payment / Internet / Phone Banking Additional payments to the loan via these methods are also available (a processing fee may apply). Repayment Pause The Repayment Pause option is available on this product. Please refer to the Repayment Pause Option Product Specification for more details. Bank (those applicants who have not been a customer for at least 6 months) the maximum LVR for owner occupiers and investors is 90%. For refinances from other financial institutions, the LVR cannot exceed 90%. These LVRs can be increased by the amount of the LMI premium to a maximum of 2% above the maximum LVR for that customer. Valuation Valuations to be obtained in accordance with current credit policy. Refinances Valuations to be obtained in accordance with current credit policy. Principal reductions Customers with a Basic Home Loan may make unlimited additional payments to their loan. Borrowers may nominate to pay additional payments via automatic transfer from a St.George transaction account or make payments over the counter at any St.George branch or via Internet or Phone Banking (a processing fee may apply). Redraws Borrowers may request to redraw prepayments whilst on a Basic Home Loan, subject to the Bank s approval. There is no minimum redraw amount and a redraw fee applies to each manual approved request. Phone and Internet Banking redraw requests are free. Redraw requests on loans that have an expired status must be referred to the Mortgage Central. Reviews Not applicable. Serviceability Current credit policy applies. Loan to Valuation Ratio Current credit policy applies. For existing customers the maximum LVR for owner occupiers and investors is 95%. For new customers to the Security Only the security types listed below are acceptable for the Basic Home Loan All securities must be first mortgages. Security property must be an existing dwelling or newly completed property or vacant land*. Units held in a Community title or Company Title plan are also acceptable. Vacant land The Family Pledge option is available on this loan type. Refer to the Family Pledge Home Loan Product Specification for further details. The following security/loan purpose is not permitted, under any circumstances: Properties under construction Second Mortgage (behind other financial institutions) (includes Defence Service Homes) second mortgages on the guarantor s property are permitted when the Family Pledge option is taken up Non Residential, industrial or commercial properties Unit trust Any security property being used to derive income from retail, commercial, farming or agricultural activities. Lenders Mortgage Insurance LMI must be obtained in accordance with the Bank s current criteria. Lenders Mortgage Insurance premium, if applicable, is automatically deducted from the loan amount at settlement. Page 4 of 5

5 Fees Reference: Refer to the interest rates and fees section of the website for current fees and charges. Establishment Fee The fee includes the Bank legal fees for one new security property and any number of existing securities and one standard valuation for the primary security property only, regardless of whether a valuation on that property is required or not. Additional security fees and valuers travelling allowance (if applicable) must be collected for each additional security property. Settlement Processing Fee This fee is automatically deducted from the loan amount at settlement. Administration Fee Not applicable. Interest offset facility No interest offset is available. Statement Statements are generated every six months. The statement cycle will be six months from the month of advance of the loan and every six months thereafter. Investment loans have a statement cycle that coincides with the end of the Financial Year. These are the only statement frequencies available. Borrowers cannot nominate any other frequency. Customers with CCC-regulated loans can nominate one of the borrowers to receive statements and notices on behalf of the other borrowers providing they all agree. Interim Statements / Replacement Statements These are available for mailing out on request. A fee is applicable. Substitution of security Substitution of security allowed subject to the Bank s consent. Simultaneous settlement required. Security to be substituted must be a like for like otherwise new loan is required. Substituted security cannot represent a reduction in security for the Bank. Note: Like for like is, for example, ready built house substituted with a ready built house a house under construction is not permitted; 1st mortgage substituted for a 1st mortgage - 1st mortgage substituted for a 1st mortgage with a guarantee is not permitted. Discharge A Discharge of Mortgage fee applies. This fee is payable to the Bank. It is in addition to the fee for the Registration of the Discharge of Mortgage, payable to the Land Titles Office. An early repayment fee is payable when a customer discharges the loan within 3 years of settlement. This fee is also payable when a customer not in a Basic Home Loan switches to a Basic Home Loan. In that situation, the fee is payable if the loan is discharged within 3 years of that switch. End Procedure Basic Home Loan Product Specification. June 2010 For further information Mortgage Central This document is owned and updated by St.George Bank Intermediary Distribution and is subject to change. Terms and Conditions and fees and charges apply and are available on request. All applications are subject to St.George Bank s prevailing credit criteria. St.George Bank - A Division of Westpac Banking Corporation ABN AFSL STGW /10 Page 5 of 5

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