Fixed Rate Home Loans - Police and Nurse Credit Society - 3 yr fixed

This loan is suitable for
Full Time, Permanent Part Time, Family Allowance A & B, Age Pension
Please refer to the Income and Debt to Servicing Ratios provided by Police and Nurses in the Lender Manuals.

Home Loan Loan Term
3 year term & 5 year term.

Home Loan Loan Size
Minimum Amount - $20K,
Maximum Amount Subject to PNCS,

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Home Loan Repayment Type
Fixed Principal & Interest, Owner Occupier.
Fixed Principal & Interest, Residential Investment.
Fixed Interest Only, Owner Occupier.
Fixed Interest Only, Residential Investment.

Repayment Options
Weekly, fortnightly or monthly.

Extra Repayments

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Split Loan Facility
Clients may split loans and have one fixed product and one variable product,

Offset
Not available.

Redraw Facility
Not available,

LVR for Fixed Rate Home Loans - Police and Nurse Credit Society - 3 yr fixed

Maximum LVR 97% Owner Occupier,
Maximum LVR 95% Residential Investment,
Maximum LVR 95% Refinance,

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Fees for Fixed Rate Home Loans - Police and Nurse Credit Society - 3 yr fixed

Fees are added to loan amount
Establishment fee $650 (metro <$1m)
Establishment fee $880 (metro >$1m on non metro property)
Monthly Fee $5
Settlement Fee $168 ($110 registration of mortgage (varies per state), title search $32 and title search admin fee $26)
Establishment Fee plus Settlement Fee is shown as Establishment Fee
Documentation Fee $500 (not including WA) - shown as Preparation Fee
Early payout fees - if the fixed loan is paid out any time piror to the term of the fixed rate a break cost fee may apply in line with market rates.
Valuation Fee is covered in the Establishment/Application Fee. Any additional valuation fees are charged as below:
Metro:
Property value $0 - $1M - $210
Property value $1M+ - $440
Property value $1.5M+ - at cost
Non Metro:
Property value $0 - $1M - $440
Property value $1M+ - at cost
Opening any Savings Account or Lending Product required to purchase a $10 share per member/person.