Professional Package Home Loans - ING DIRECT - Smart Pack LOC >$300K 0.50% Disc

This loan is suitable for
As per individual product specifications.

Home Loan Loan Term
As per individual product specifications.

Home Loan Loan Size
As per individual product specifications.

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Home Loan Repayment Type
As per individual product specifications.

Repayment Options
As per individual product specifications.

Extra Repayments
As per individual product specifications.

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Split Loan Facility
SmartPack waives any split fees (usually $100 per split)

Offset
As per individual product specifications.

Redraw Facility
As per individual product specifications.

LVR for Professional Package Home Loans - ING DIRECT - Smart Pack LOC >$300K 0.50% Disc

LVR without Mortgage Insurance up to 80%
LVR with Mortgage Insurance:
Up to 90% for Owner Occupier plus capitalised LMI Premium
Up to 90% for Investment Loans plus capitalised LMI Premiums
LVR based on Mortgage Simplifier and Smart Home Loan product, as per individual product specifications.

Reduced Equity Fee (REF):
LVR with REF Maximum up to 90% plus capitalised REF fee.
REF is available as an alternative to LMI to borrowers that meet more stringent credit criteria and are borrowing >80% of the property value. It is generally cheaper than LMI and is available on all Full Doc product.
Refer separate Policy for details.

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Fees for Professional Package Home Loans - ING DIRECT - Smart Pack LOC >$300K 0.50% Disc

Application Fee - $699
Additional Valuations fees commence at $200 for a standard valuation which are paid upfront, Refer to Postcode Valuation Costs in INGD's Loan Applications folder.
Variation Fee - $250
Annual Fee - $180 for SmartPack LOC
No monthly fee
A legal fee of $220 minimum applies and is charged directly by the solicitor (displayed as Mortgage Preparation). Additional fees may be payable, for further information please consult your local INGD BDM or refer to ING DIRECT’s Pre-Settlement Fees & Charges brochure.
Fees for Changes to the Letter of Offer:$250 applies to make changes to the Letter of Offer between disclosure date and settlement.
Deferred Establishment Fee:
1 Year $1400
2 Year $1050
3 Year $700
4 Year $350