| Home Loan Lender |
 |
St George Bank Home Loan |
|
| Home Loan Product Name |
Advantage Portfolio>$250K 0.70% Disc |
| Interest Rate |
7.14% |
Comparison Rate
Estimated |
7.45% |
| Amount |
$150,000 |
| Term |
30 years |
Monthly Payment
Estimated |
$1,012.10 |
Total Paid
Estimated |
$375,570 |
| Establishment Fee |
$0.00 |
| Enquire/Apply |
 
|
| Target Market |
This package is available to personal clients only. |
| Acceptable Income |
No income or Professional Hurdles
,
Self employed At the Lending Managers discretion
,
Serviceability up to LVR 80% 1.00 x over LVR 80% 1.10 x Non Resident and serviced apartments 1.25 x
,
On Income Calculations Worksheet use 2 % of limit, highest balance in the last 3 mths, or nil limit if card cleared each month for the last 3 mths
,
,
For Investment Loans calculate 12 months worth of interest at the qualifying rate and take this amount off taxable income before assessing for tax. |
| Loan Term |
As per individual product specifications. |
| Loan Size |
Minimum $50K. |
| Repayment Type |
As per individual product specifications. |
| Repayment Options |
As per individual product specifications. |
| Extra Repayments |
|
| Split Loan Facility |
Yes. Multiple Loans up to 5 loans for the annual fee of $375. |
| Offset |
Yes (not available on Portfolio Loans). |
| Redraw Facility |
Yes (not available on Portfolio Loans) & Fixed Rate Loans.
,
Fee free phone and internet redraws. |
| LVR |
As per individual product specifications. |
| Fees |
Annual Package Fee $375
,
Home Loan Establishment Fee Nil
,
Home Loan Increase Fee Nil
,
Switch/Conversion Fee Nil
,
Portfolio Loan sub-account set up Nil
,
Home loan monthly Admin fee Nil
,
Complete Freedom monthly fee Nil
,
Credit Card annual fee Nil
,
Mortgage equaliser monthly service fee Nil (Includes Repayment Offset monthly service fee.)
,
Phone and Internet Redraw fees Nil
,
Fees apply as per product specifications |
| Enquire/Apply |
|