CUSTOMER GUIDE RETRO

Size: px
Start display at page:

Download "CUSTOMER GUIDE RETRO"

Transcription

1 Our classic home loan products with modern features, good old fashioned service and options for a unique tailored approach. CUSTOMER GUIDE RETRO

2 Who is AFG Home Loans? AFG Home Loans has a range of home loans for you to choose from with competitive rates and different features allowing you to choose a product that is right for you. We are all about home loans. AFG Home Loans is part of the Australian Finance Group Ltd (AFG) group of companies. AFG is one of Australia s largest providers of mortgage broking services and as part of AFG s business, AFG Home Loans keeps up to date with the latest product developments. We make sure our own home loan products are as competitive as possible offering the features you want in a complete loan package. Fully featured. Our range at AFG Home Loans includes products with different features such as a redraw facility 1 and a 100% offset facility you can use to reduce interest on your loan (subject to terms & conditions). You can have easy access to cash via ATM networks, BPay and the option of a Visa Debit card, depending on the product you end up choosing, or you can choose to retain the transactional banking you already have in place. In other words you can keep your savings and credit cards as is with your existing lenders, taking away all the hassle and headaches of changing account details and credit card numbers. 1. Subject to loan terms. Only available if 100% Offset Facility is selected with the loan.

3 Personal customer service. When choosing a loan, one of our brokers will come to you, answer any questions you may have and identify the right loan for your situation. Your broker will help you fill out your paperwork and see your loan through to settlement. We can even help process your First Home Owners Grant if you are eligible to receive one. We focus on providing you with the very best customer service over the phone with real people talking to you from our real Australian offices, and of course full access to the convenience of internet banking. You can rely on us. AFG lodges around $4.4 billion worth of loan finance every month through its 2600 plus brokers across the country. AFG has been around since 1994 and has grown to become one of the largest providers of mortgage broking services in Australia. So yes, AFG is big, but through AFG Home Loan we re nimble and we focus on each and every one of our clients to ensure they are leveraging the benefits our products can bring. We pride ourselves on offering our clients products with competitive interest rates with great features, low fees and top notch customer service. Retro Home Loan The low fee basic home loan with no annual fee. Retro Low Doc Our full featured home loan for self employed borrowers. Go Full Doc Our fully featured near prime home loan. 100% Offset Facility Go Low Doc Our near prime home loan for self employed borrowers. Go Plus Full Doc Our fully featured near prime home loan with a flexible credit policy. 3

4 AFG Home Loans Retro Welcome to our Retro Home Loan; a simple, easy to understand variable rate home loan with low upfront costs and no annual fee, where you don t pay for frills that you don t need. Our Retro Home Loan provides 24/7 online access (subject to availability), an optional 100% offset facility (subject to terms & conditions) and your own dedicated mortgage broker to help you along the way. You may not have heard our name before, and there s a good reason. We don t spend money on expensive ad campaigns and we don t have a branch on every street corner. We focus our efforts and our resources on doing what we do best; home loans. Our loan structures, competitive interest rates and top notch customer service are proof of our commitment to each and every one of our clients. Simply speak with your AFG broker to find out more about the Retro Home Loans and how we can help you.

5 Offset Facility Option Using the optional offset facility with your Retro Home Loan can help reduce the interest payable on your nominated home loan. Speak to your mortgage broker for information about how it works and how to effectively use your offset facility. The Retro offset facility comes at no extra cost, simply advise your broker during your application that you would like to take advantage of this option. Tailored Lending Our Retro Go products give home loan options to those who may not fit the criteria of a standard home loan. Retro Go caters to both PAYG and self employed borrowers, offering a unique common sense approach to lending with low doc and full doc options as well as access to our offset facility at no extra cost. Talk to your AFG broker today if you would like more information about Retro Go home loans. Optional Interest Only Period Investor applicants are able to apply for interest only periods of one to five years. After this time, repayments will revert to principal and interest. Please note, redraw is not available on interest only home loans. 5

6 What can the Retro Home Loan offer you? 1. The Retro Home Loan is a classic home loan product with simple features and straightforward functionality, where you don t pay for extra frills that you don t need. 2. The peace of mind knowing your broker is always there to help, with a direct line of communication open at any time. Throughout the life of the loan an AFG broker is able to help you with any questions you have on interest rates or loan changes or other updates to help you stay two steps ahead. 3. Our dedicated Australian Customer Service team is available via or phone and trained to provide the good old fashioned service that we pride ourselves on. 4. We don t pay for large ad campaigns and expensive bank branches. Instead we focus on low fees and competitive interest rates. 5. Access your accounts online 24/7 (subject to availability) with our online banking website. 6. The Retro Home Loan has optional redraw and offset facility features (subject to terms & conditions) and provides flexible options to manage your home finance. 7. Make additional repayments to your home loan as you like with no limit on the amount of funds you can voluntarily repay. Speak to your AFG broker to find out more about AFG Home Loans Retro. 6

7 Retro Features PRODUCT FEATURES RETRO HOME LOAN LOW DOC HOME LOAN Description Variable rate product with 100% Offset Facility and low doc option Owner Occupied/Investment Both Interest Rate based on Loan Characteristics - Loan size and LVR Construction/Vacant Land No Acceptable security Upfront Fees Residential Cat 1 & 2 Genworth locations Settlement fee plus legal disbursements S&P residential metro only (no inner city or non-metro) Settlement fee, valuation costs plus legal disbursements Annual Fee No $330 Repayment Options Monthly 1 Principle and Interest/Interest Only Both 2 Ability to make additional payments Manual Redraw 3 Electronic Redraw 4 Transactional functionality Access to funds in the 100% Offset Facility is via ATM, EFTPOS, VISA Merchants & Internet Banking Splits available Up to 4 Portability Minimum Loan Amount $100,000 Maximum Loan Amount $1,000,000 $750,000 Minimum Loan Split $20,000 Minimum Increase $20,000 Maximum Loan Term 30 years Maximum LVR 90% inc LMI 70% LMI approval for LVR above 70% N/A LMI payable above 80% N/A PAYG/Self Employed Self Employed Only Debt consolidation - Maximum of 4 debts Cashout restrictions Max $100K cashout non controlled - specified purpose always required Individuals, Companies, Trusts Repayment method - Salary credit/direct debit 100% Offset Facility 5 Visa Debit Card 6 BPAY 6 1. Principal and interest repayments are due each calendar month on the anniversary date of the loan advance. Interest only repayments are due on the first day of each calendar month after the loan advance. Payments must be paid by Direct Debit from client s bank account. More frequent payments are permitted and additional repayments may be made at any time. 2. Interest only available on investment loans only. Interest only periods are 1-5 years, after which repayments will convert to principal and interest for the remainder of the loan term. Redraw is not available on interest only loans. Redraw is only available from a linked 100% Offset Facility. 3. Subject to loan terms. Only available if 100% Offset Facility is selected with the loan. 4. All electronic redraws are subject to loan terms. Only available if 100% Offset Facility is selected with the loan. 5. Enables everyday transactions via linked loan sub account. The Offset Sub Account balance offsets against the balance of the home loan. Access to funds in the offset portion is via ATM, EFTPOS, VISA Merchants & Internet Banking. The Offset Sub Account is also known as a 100% Offset Facility. 6. Only available if 100% Offset Facility is selected. 7

8 Go Features PRODUCT FEATURES GO LOW DOC GO FULL DOC GO PLUS FULL DOC Interest rate based on loan characteristics Max LVR 70% Including risk fee Risk Fee determined by LVR Upfront Fees Settlement fee, valuation costs and plus legal disbursements Annual Service Fee $330 Loan Purpose Owner Occupier or Investment Repayment Options Monthly 1 Principal and Interest/Interest Only Both 2 Loan Term 8-30 years Cashout to Max LVR Max $100,000 cashout non controlled - specified purpose always required Acceptable Security - S&P Metro Only (no inner city or non metro) Minimum Loan Amount $200,000 Maximum Loan Amount $750,000 Minor Impairments Up to $1,000 of defaults, Judgements paid/unpaid Impairments Registered > 24 months ago Unlimited paid/unpaid Impairments Registered > 12 months ago No Discharge from Bankruptcy (1 Day) No 30 days or less mortgage arrears (last 6 months) No Payment of Tax Debts Income - PAYG No 2 Payslips plus one other: Letter of Employment / Group Certificate / Notice of Assessment / 3 months of statements Income Self Employed ABN 24 months / GST Registered / Customer Financial Declaration plus two of: 2 Yrs Financials plus Notice of Assessment 6 month Business Statement / 6 month BAS / Accountant Declaration Debt Consolidation - Unlimited Unlimited Redraw - Minimum manual redraw of $3,000 3 Electronic Redraw 4 100% Offset Facility 5 Splits (Max 4) Max of 4 Internet Banking - including Bpay VISA Debit & BPay 6 1. Principal and interest repayments are due each calendar month on the anniversary date of the loan advance. Interest only repayments are due on the first day of each calendar month after the loan advance. Payments must be paid by Direct Debit from client s bank account. More frequent payments are permitted and additional repayments may be made at any time. 2. Interest only available on investment loans only. Interest only periods are 1-5 years, after which repayments will convert to principal and interest for the remainder of the loan term. Redraw is not available on interest only loans. Redraw is only available from a linked 100% Offset Facility. 3. Subject to loan terms. Only available if 100% Offset Facility is selected with the loan. 4. All electronic redraws are subject to loan terms. Only available if 100% Offset Facility is selected with the loan. 5. Enables everyday transactions via linked loan sub account. The Offset Sub Account balance offsets against the balance of the home loan. Access to funds in the offset portion is via ATM, EFTPOS, VISA Merchants & Internet Banking. The Offset Sub Account is also known as a 100% Offset Facility. 6. Only available if 100% Offset Facility is selected. 8

9 Reduce your interest costs with your 100% Offset Facility.* The AFG Home Loans Retro Home Loan comes with an optional 100% Offset Facility*. The Offset Facility is a transactional sub-account linked to your home loan account. When the interest is calculated on your mortgage, you are charged on the balance owing on your home loan minus the balance of your 100% Offset Facility. Enables everyday transactions via a linked loan 100% Offset Facility. Access to funds available via ATM, EFTPOS, VISA Merchants & Internet Banking FEES No ongoing service fees for the Offset Facility Unlimited free VISA Merchant transactions (where credit is chosen on the point of sale terminal and/or the customer signs for the transaction/purchase) 20 free EFTPOS, Internet & Direct Service (External Debits) transactions per calendar month, then 50c per transaction thereafter. ATM Transaction fees are charged at point of transaction and are unascertainable, however all ATM Transactions conducted via the RediATM network are fee free to the customer. Interest Charged On Balance Loan Balance Outstanding $250,000 $220, % Offset Facility Balance $30,000 Therefore, the higher the balance of your Offset Facility, the less interest will be charged on your new loan*. The AFG Home Loans Retro Offset Facility comes at no extra cost, with your Retro Home Loan*. For more information on how it works and how to effectively use your Offset Facility, please contact your AFG broker. *An Offset Facility is only available with any variable interest Retro Home Loan. The Offset Facility is a subaccount linked to your nominated loan account. The Offset Facility forms part of your loan account. AFG Home Loans can debit the Offset Facility with any amounts lent to you or due under your mortgage. Having an Offset Facility does not automatically give you a right to redraw from that Offset Facility. If you have a re-draw facility on your home loan and have made payments into your Offset Facility above your minimum repayment, you may withdraw those extra payments if: You have not defaulted under your loan agreement; The redraw facility has not been suspended or cancelled; and No other redraw restrictions apply to your loan contract. 9

10 To find out more about the modern features with good old fashioned service of the Retro Home Loan, visit retro.afghomeloans.com.au or talk to your AFG broker today. Please note this information is general. The terms and conditions of particular loans differ. Product terms and conditions may change. AFG Home Loans Pty Ltd is the manager of AFG Home Loans Retro. Issued July 2015 by AFG Home Loans Pty Ltd ACN ; Australian Credit Licence RETRO

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at PLAN Lending we re committed to helping turn your dreams into reality, whether you

More information

A simply better home loan for you

A simply better home loan for you A simply better home loan for you A simply better home loan Buying a home is the great Aussie dream. Which is why at ChoiceLend we re committed to helping turn your dreams into reality, whether you re

More information

Pepper Home Loan Product Guide

Pepper Home Loan Product Guide Pepper Home Loan Product Guide 2 November 2015 V4.1 Find out why a growing number of brokers are sold on specialist lending For information on specialist lending including videos, case studies and modules,

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective July 2015 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

Low Doc Home Loan Product Specification

Low Doc Home Loan Product Specification Low Doc Home Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It is for the use

More information

HOME LOANS AND LINES OF CREDIT

HOME LOANS AND LINES OF CREDIT HOME LOANS AND LINES OF CREDIT GENUINE LOANS FOR REAL PEOPLE Product Information Brochure Effective from 1 November 2014 At Queensland Country we offer genuine home loans for real people. We understand

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective February 2016 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

RAMS Home Loan Fees & Charges

RAMS Home Loan Fees & Charges RAMS has provided this guide to help you determine the RAMS loan fees that may be payable before and after your loan settlement. Your specific RAMS fees and other fees and charges (such as government fees)

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 15 April 2013 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 22 November 2015 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you

More information

Fees and Charges. www.homelend.net.au

Fees and Charges. www.homelend.net.au Fees and Charges The fees in this home loan fees and charges brochure may be applicable to HomeLend Home Line, HomeLend Term Loan and HomeLend 100% Offset Home Loan accounts. All information is correct

More information

Your Guide to Adelaide Bank

Your Guide to Adelaide Bank Your Guide to Adelaide Bank 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

More information

Introductory Fixed Rate Home Loan Product Specification

Introductory Fixed Rate Home Loan Product Specification Introductory Fixed Rate Home Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank.

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Quick Reference Guide

Quick Reference Guide Quick Reference Guide Capital Product Range Capital Product Range This quick reference guide to the Well Nigh Capital Product Range is intended for internal and representative use only and must not be

More information

COMMERCIAL DIVISION MOTOR VEHICLE & EQUIPMENT COMMERCIAL PROPERTY

COMMERCIAL DIVISION MOTOR VEHICLE & EQUIPMENT COMMERCIAL PROPERTY Commercial Loans COMMERCIAL DIVISION MOTOR VEHICLE & EQUIPMENT Full Doc Only Leasing Hire Purchase Novated Lease Chattel Mortgage COMMERCIAL PROPERTY Full Doc 75% SMSF 75% Lo Doc 75% Lease Doc 65% Construction

More information

FOR AFM ACCREDITED INTRODUCERS USE ONLY

FOR AFM ACCREDITED INTRODUCERS USE ONLY COMMERCIAL DIVISION Motor Vehicle & Equipment Full Doc Only Leasing Hire Purchase Novated Lease Property Full Doc 75% Lo Doc 75% Lease Doc 65% Construction 60% - 70% end value Chattel Mortgage FOR AFM

More information

AMP Bank. Home loan fees and charges guide

AMP Bank. Home loan fees and charges guide AMP Bank Home loan fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for AMP Bank home loan accounts. For information on fees and charges for our deposit accounts

More information

Home and Investment Loans

Home and Investment Loans Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

Loan Accounts. Charges for specific services and accounts

Loan Accounts. Charges for specific services and accounts Loan Accounts Charges for specific services and accounts Effective Date: 15 April 2013 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of changes

More information

We ll help make buying your first home easier

We ll help make buying your first home easier First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out

More information

Relocation With End Loan Product Specification

Relocation With End Loan Product Specification Relocation With End Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It is for

More information

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Heritage Bank. Accreditation Presentation

Heritage Bank. Accreditation Presentation Heritage Bank Accreditation Presentation Agenda 1. Who is Heritage Bank? 2. We are here to help 3. Residential mortgages 4. Product range 5. Policy guidelines 6. Tips and hints 7. The Heritage difference

More information

Effective Date: 15 April 2013. Loan Accounts. Charges for specific services and accounts

Effective Date: 15 April 2013. Loan Accounts. Charges for specific services and accounts Effective Date: 15 April 2013 Loan Accounts Charges for specific services and accounts Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of changes

More information

Basic Home Loan Product Specification

Basic Home Loan Product Specification Basic Home Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It is for the use

More information

The Pepper Advantage Suite of Home Loans

The Pepper Advantage Suite of Home Loans The Pepper Advantage Suite of Home Loans product guide Contents Pepper Flexi Advantage 2 Pepper Flexi Advantage PLUS 4 Pepper Self-Employed Advantage 6 Pepper Self-Employed Advantage PLUS 8 Pepper Easy

More information

SMSF Property Loans Online Product Training

SMSF Property Loans Online Product Training SMSF Property Loans Online Product Training Contents 01 SMSFs and borrowing 02 Responsibilities and licensing 03 Product overview and features 04 Fees 05 Credit policy 06 Case study 07 Next steps 01 SMSFS

More information

Make yourself at home with the UHomeLoan

Make yourself at home with the UHomeLoan Make yourself at home with the UHomeLoan You ve probably got a few questions about UBank and the UHomeLoan. You should find all of the answers right here. And if you have something specific in mind, just

More information

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

Schedule of Fees and Charges for other Suncorp Personal Accounts

Schedule of Fees and Charges for other Suncorp Personal Accounts Schedule of Fees and Charges for other Suncorp Personal s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account

More information

Home Loan Refinancing Guide

Home Loan Refinancing Guide Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark

More information

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 22 November 2014 The following home loans are no longer available for new loans. Fee or Charge Description Professional

More information

Which home loan is for me?

Which home loan is for me? Which home loan is for me? Home loans made easy Home Loans About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our

More information

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

Fees & Charges. Effective 1 July 2015

Fees & Charges. Effective 1 July 2015 Effective 1 July 2015 Contains for Personal Transaction and Savings Accounts, Term Investment Accounts, Business Transaction and Savings Accounts, Loans and Access Facilities (including EFT Access Facilities).

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending

More information

Supporting documentation and verification guide. For NAB Homeplus and NAB Peak Performance

Supporting documentation and verification guide. For NAB Homeplus and NAB Peak Performance Supporting documentation and verification guide For NAB Homeplus and NAB Peak Performance Contents Income verification 2 Full time and part time employment (PAYG)2 2 Casual employment2 2 Return to work

More information

How To Understand The Laws Of Korea

How To Understand The Laws Of Korea A Additional Payment The method of significantly reducing your home loan with extra payments to your mortgage. Even paying fortnightly rather than monthly can have a big impact. Amortisation Another way

More information

home loan basics Find the home loan that s perfect for you

home loan basics Find the home loan that s perfect for you home loan basics Find the home loan that s perfect for you 2 3 Contents Your mortgage broker 3 Using the services of a mortgage broker 4 Types of home loans 6 Home loans Features and options 12 Borrowing

More information

Credit - How Can I Use My Money to Build Up My Future Equity?

Credit - How Can I Use My Money to Build Up My Future Equity? Australian Credit Licence No 387406 Client Needs Analysis Dated / / YOUR DETAILS: Full name (Client 1): Full name (Client 2): Number of Dependants: Age of Dependants: If Company and/or Trust: Company/Trust

More information

BANK OF MELBOURNE PACKAGE. Terms and Conditions

BANK OF MELBOURNE PACKAGE. Terms and Conditions BANK OF MELBOURNE ADVANTAGE PACKAGE. Terms and Conditions Effective Date: 16 November 2015 Parts A, B and C of this booklet comprise the terms and conditions that apply to the package. Part A Summary of

More information

Lending Terms & Conditions. Current as at 23 November 2015

Lending Terms & Conditions. Current as at 23 November 2015 Lending Terms & Conditions Current as at 23 November 2015 1 Contents About this Brochure... 3 Part 1 - All Contracts... 3 1. Your Contract... 3 2. Acceptance... 3 3. Definitions and Interpretation... 3

More information

lending Lending Advice.much more than just a Mortgage Broker

lending Lending Advice.much more than just a Mortgage Broker lending Lending Advice.much more than just a Mortgage Broker living a life well planned We rebate trail commissions it s our gift to you. We are very well known for our pioneering rebating of trail commission

More information

Lending Fees and Charges. Effective from 20 May 2016

Lending Fees and Charges. Effective from 20 May 2016 Lending Fees and Charges Effective from 20 May 2016 2 Suncorp Bank About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm

More information

Lending Fees and Charges. Effective from 20 July 2015.

Lending Fees and Charges. Effective from 20 July 2015. Lending Fees and Charges Effective from 20 July 2015. About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm that you have

More information

ANZ Margin Lending Integrated with E TRADE

ANZ Margin Lending Integrated with E TRADE ANZ Margin Lending Integrated with E TRADE The ANZ Margin Loan - Integrated with E TRADE What is margin lending? Benefits of gearing The ANZ Margin Loan is an integrated facility that allows you to trade

More information

With every business transaction we make it count.

With every business transaction we make it count. Business Solutions 02 With every business transaction we make it count. business solutions Personal service has a new name When we say we re here to help you, we mean business. Whether you re just starting

More information

Australian Finance Centre Pty Ltd FACT FIND SHEET

Australian Finance Centre Pty Ltd FACT FIND SHEET Australian Finance Centre Pty Ltd Australian Credit License 390436 Prepared by : Andrew Salsbury Date prepared: Phone : (07) 556357227 Fax : 1300 905379 Email: andrew@australianfinancecentre.com.au ABN

More information

How To Pay A Personal Financial Charge In The United Kingdom

How To Pay A Personal Financial Charge In The United Kingdom Personal Financial Charges for Home and Investment Property Loans Effective 1 July 2011 Loan Establishment Fees Home Smart Establishment Fees 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information

Macquarie Mortgages Application for Finance

Macquarie Mortgages Application for Finance Macquarie Mortgages Application for Finance Personal Details Applicant 1 Applicant 2 Borrower Guarantor (please tick one only) Title First name Surname Middle name Date of birth / / Sex F/M Marital Status

More information

Go Home Loan. Fees and Limits Guide. Effective June 2015. Home loans

Go Home Loan. Fees and Limits Guide. Effective June 2015. Home loans Go Home Loan Fees and Limits Guide Effective June 2015 Home loans Transaction services Go Card Withdrawal limits are subject to the redraw balance available in your Go Floating Rate account and any lower

More information

Finance Fees and Charges

Finance Fees and Charges Finance Fees and Charges ANZ BUSINESS BANKING 28.10.2015 Contents Business Finance Loan Approval Fee 3 Credit Facility Fee 4 Loan Administration Charge 6 Renegotiation Fee 7 ANZ Business Select 7 ANZ Commercial

More information

HSBC Home and Investment Property Loans. Booklet of Standard Terms and Conditions Issued 23 August 2014

HSBC Home and Investment Property Loans. Booklet of Standard Terms and Conditions Issued 23 August 2014 HSBC Home and Investment Property Loans Booklet of Standard Terms and Conditions Issued 23 August 2014 Copyright HSBC Bank Australia Limited ABN 48 006 434 162 2011 ALL RIGHTS RESERVED. No part of this

More information

Home Package Plus. Terms and Conditions

Home Package Plus. Terms and Conditions Home Package Plus Terms and Conditions Effective Date: 30 October 2015 2 Suncorp Bank Table of Contents 1. About these terms and conditions...4 2. Definitions...4 3. Eligibility for Home Package Plus...5

More information

managed loans FEES AND LIMITS

managed loans FEES AND LIMITS managed loans FEES AND LIMITS Effective November 2014 Fees and Limits New Zealand Home Loans is committed to helping you and your family become debt free, faster. To help you do this, New Zealand Home

More information

Rural and Commercial Lending

Rural and Commercial Lending Rural and Commercial Lending 12 March 2014 Rural and Commercial Lending Your business, our financing Tasmanian Perpetual Trustees provides mortgage finance for rural, commercial and business purposes.

More information

Finance Fees and Charges. ANZ Business Banking

Finance Fees and Charges. ANZ Business Banking Finance Fees and Charges ANZ Business Banking February 2008 Contents Page Business Finance > Loan Approval Fee 1 > Credit Facility Fee 2 > Loan Administration Charge 3 > Renegotiation Fee 3 > ANZ Business

More information

Client Needs Analysis

Client Needs Analysis Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):

More information

Loan Application Checklist

Loan Application Checklist 22 Delhi Street West Perth WA 6005 PO Box 710 West Perth WA 6872 Tel: 1800 629 948 Fax: 1800 002 881 www.afghomeloans.com.au Loan Application Checklist ALL APPLICATIONS Completed and signed application

More information

Credit Facility Fee. Loan/Facility Type

Credit Facility Fee. Loan/Facility Type Credit Facility Fee The Credit Facility Fees described below apply and are payable in arrears, unless otherwise advised to you in writing by ANZ. Loan/Facility Type ANZ Business Overdraft The Credit Facility

More information

Home Loans. Talk to us today.

Home Loans. Talk to us today. Home Loans Talk to us today. Since 1875 we ve helped more than half a million people buy their dream home. It s what we do best. With 140 years of home loan know-how, you won t find a more experienced

More information

Home Loan Facility Agreement Terms and Conditions

Home Loan Facility Agreement Terms and Conditions Home Loan Facility Agreement Terms and Conditions Terms and Conditions Effective 13th July, 2013 ABN 55 094 317 665, ACL 286655, AFSL 286655. All rights reserved. 1 2 ABN 55 094 317 665, ACL 286655, AFSL

More information

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

Seniors Access Home Loan (SAHL) Product Specification

Seniors Access Home Loan (SAHL) Product Specification Seniors Access Home Loan (SAHL) Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It

More information

How To Get A Suncorp Bank Account

How To Get A Suncorp Bank Account Suncorp Bank Personal Deposit Accounts Product Information Document This document contains information on Suncorp Bank Personal Deposit Accounts Kids Savings Account, Everyday Basics Account, Everyday

More information

HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS

HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS This is an important document. If you have difficulty understanding English, you must use an interpreter to explain it to

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Transaction Accounts Fees and Charges

Transaction Accounts Fees and Charges Transaction Accounts Fees and Charges ANZ BUSINESS BANKING 28.08.2015 For ANZ Business Advantage Accounts, ANZ Business Extra Accounts, ANZ Business Classic Accounts (ii) ANZ Business Extra 50 Accounts

More information

1300 550 467 bosbroker.com.au

1300 550 467 bosbroker.com.au 1300 550 467 bosbroker.com.au Follow us on Apple, the Apple logo, iphone, and ipod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

More information

The Home Loan Process

The Home Loan Process The Home Loan Process Step 1: Find out how much you can borrow Our mortgage consultants will work with you to find your borrowing capacity with our full range of lenders. Many banks and mortgage lenders

More information

Client Needs Analysis

Client Needs Analysis YOUR DETAILS: Full name (Client 1): Date: Client Needs Analysis / / Full name (Client 2): If company and/or Trust: Company/Trust name: ABN/ACN Registered address: Business address (If different from above)

More information

Feel at home with the fine print

Feel at home with the fine print Feel at home with the fine print Home Loans Terms and Conditions Date: 12 March 2014 Do I really need to read this? Thank you for considering an ING DIRECT Home Loan Since you re just about to make one

More information

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014 Terms and conditions BOQ Specialist Banking Package Dated November 2014 2 This page has been intentionally left blank Banking Package This document consists of PART A: Summary of banking package features

More information

Home loan check up. Reviewing the health of your home loan

Home loan check up. Reviewing the health of your home loan Home loan check up Reviewing the health of your home loan 2 3 Contents Debt consolidation & refinancing 3 Considering refinancing? 4 Benefits of refinancing 6 Know the costs of refinancing 12 It s natural

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information

Personal Financial Charges for Home and Investment Property Loans. Effective 1 April 2016

Personal Financial Charges for Home and Investment Property Loans. Effective 1 April 2016 Personal Financial Charges for Home and Investment Property Loans Effective 1 April 2016 Loan Establishment Fees Home Smart Establishment Fee 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information

Save money by avoiding fees

Save money by avoiding fees Effective February 2016 Save money by avoiding fees With New Zealand Home Loans there is no monthly base fee. Use electronic transactions where possible You can save money by using electronic transactions

More information

Responsible Lending Borrower Fact Find

Responsible Lending Borrower Fact Find Responsible Lending Borrower Fact Find Broker Details Source of Loan: Broker Company/Business Name: Broker Name: Contact Number: Credit Registration/Licence/Credit Rep Number: Email address: Borrower Details

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

lending Lending Advice.much more than just a Mortgage Broker

lending Lending Advice.much more than just a Mortgage Broker lending Lending Advice.much more than just a Mortgage Broker Notes: living a life well planned General Advice Warning: Any advice in this publication is of a general nature only and has not been tailored

More information

YOUR GUIDE TO BUYING A NEW HOME.

YOUR GUIDE TO BUYING A NEW HOME. YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

More information

Client Needs Analysis

Client Needs Analysis Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):

More information

Equity Unlock Loan for Seniors Fact Sheet

Equity Unlock Loan for Seniors Fact Sheet Equity Unlock Loan for Seniors Fact Sheet Description Equity Unlock Loan for Seniors is a flexible financing solution for people aged 65 and over. If your clients own their own home, they may be able to

More information

Equity Finance Mortgage (EFM)

Equity Finance Mortgage (EFM) Introducing the award-winning Equity Finance Mortgage (EFM) Best New Product of the Year 2007 Best New Product of the Year 2008 What is an EFM? An Equity Finance Mortgage (EFM) is an award-winning home

More information

BROKER HOME LOAN TOP UP APPLICATION.

BROKER HOME LOAN TOP UP APPLICATION. BROKER HOME LOAN TOP UP APPLICATION. Broker Services Email: brokerservices@mebank.com.au Phone: 1300 728 154 Fax: 1300 305 033 Visit: mebank.com.au/broker Broker details Name ME Bank Broker Identification

More information

RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 RURAL BANK SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Rural Bank Schedule of Fees and Charges This booklet forms part of the Rural Bank Accounts Terms and Conditions for the following

More information

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank.

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. 2. UBank UBank is all about you. We exist for you. Hence our name.

More information

At-Call Savings Accounts

At-Call Savings Accounts At-Call Savings Accounts Part 1 - At-Call Savings Accounts Product Disclosure Statement (Corporations Act (Cth) 2001) comprises of the following documents Part 1 - Product Disclosure Statement for all

More information

QTMB Fees and Charges. Prepared and effective on 13 January 2014

QTMB Fees and Charges. Prepared and effective on 13 January 2014 QTMB Fees and Charges Prepared and effective on 13 January 2014 Introduction At QTMB, you can have as many accounts as you like under the one membership, with the benefits of one statement, one membership

More information

WESTPAC FLEXI LOAN. You call the shots.

WESTPAC FLEXI LOAN. You call the shots. WESTPAC FLEXI LOAN You call the shots. Westpac Flexi Loan at a glance. Apply in as little as 15 minutes Get a response in under 60 seconds 1 Choice of flexible s Make withdrawals at any time up to your

More information

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited Fees and charges UniBank is a division of Teachers Mutual Bank Limited Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 Contents Introduction 3 Transaction fees 4 Payment

More information

IT S MORTGAGE REVERSE A SIGN OF THE TIMES

IT S MORTGAGE REVERSE A SIGN OF THE TIMES IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.

More information

Home Loan Customer Consent Pack

Home Loan Customer Consent Pack Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945 Home Loan Customer Consent Pack Purpose This document tells you about: why we collect your personal information and how

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

Make yourself at home with the UHomeLoan

Make yourself at home with the UHomeLoan Make yourself at home with the UHomeLoan You ve probably got a few questions about UBank and the UHomeLoan. You should find all of the answers right here. And if you have something specific in mind, just

More information