Intro Rate Home Loans - Police and Nurse Credit Society - Concessional Lifestyle 1 yr Disc

This loan is suitable for
Self Employed, 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
Minimum term 5 years
Maximum loan term 40 years (Owner Occupier or Construction)

Home Loan Loan Size
30 years loan term $20,K Subject to credit policy
40 years loan term $150K to $1 million

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Home Loan Repayment Type
Principal & Interest.

Repayment Options
Weekly, Fortnightly or monthly.

Extra Repayments
Additional repayments allowed.

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Split Loan Facility
Available.

Offset
Mortgage Breaker (offset) account available (not available on interest only)

Redraw Facility
Available minimum $2k. Nil redraw fee applicable.

LVR for Intro Rate Home Loans - Police and Nurse Credit Society - Concessional Lifestyle 1 yr Disc

Owner Occupier Maximum LVR 95% plus capped LMI
Investment Maximum 95%.
Construction Maximum 95% plus capped LMI
Refinance Maximum LVR 90% subject to LMI terms & conditions.
Land Maximum LVR 95%.
Owner occupier:
30 years - maximum LVR95% plus capped LMI
40 years - maximum LVR 95% plus capped LMI
Residential investment:
30 years - maximum LVR 95% plus capped LMI .
Subject to relevant lending guidelines for insurers.

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Fees for Intro Rate Home Loans - Police and Nurse Credit Society - Concessional Lifestyle 1 yr Disc

Fees are added to loan amount
Establishment fee $650 (metro <$1m)
Establishment fee $880 (metro >$1m on non metro property)
Monthly fee applies only when there is no offset $5, with offset $8
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
A Deferred Establishment Fee of $1500 is payable if 75% or more of the amount of loan is repaid within 3 years of the establishment of the loan
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
Product Change $410.
Increase fee $410.
Opening any Savings Account or Lending Product required to purchase a $10 share per member/person