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Standard Loans:
A standard loan is as
it suggests, a traditional housing or investment loan provided
to borrowers whose income can be confirmed through pay slips
and/or tax returns.
Read
More |
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Low Doc Loans:
Low Document loans are loans where, for whatever
reason, the borrower can not verify his income through tax returns.
Available to self employed borrowers.
Read More |
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No Doc Loans:
The No Doc loan is similar to a Low Doc facility with the exception
that the borrower does not provide an income declaration.
Read More |
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Non-Conforming Loans:
We have lenders who are willing to lend to borrowers who can show
a reason for their financial problem
Read More |
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What
is a standard loan?
A
standard loan is as it suggests, a traditional housing or investment
loan provided to borrowers whose income can be confirmed through payslips
and/or tax returns. In
addition, the borrowers past credit history is free from any problems
such as writs and summons, defaults etc.
We
have a number of home loan and home equity products available to suit
your needs.
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Home
Loan Features:
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No monthly fees, account keeping fees or annual fees. |
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Maximum term 30 years. |
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Fixed rate terms 1, 2, 3, 4, 5, 7 and 10 years.
At the end of the fixed rate term the loan will automatically
rollover to the variable rate unless you elect to take a further
fixed rate term. |
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You can split loans with the option one variable rate loan and
up to two fixed rate loans. |
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Direct salary crediting. |
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Debit card. |
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Telephone banking. |
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Redraws:
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Amounts
of $2,500 or more through our office at no cost.
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Amounts of $2,500 or less through debit card, BPay and direct
debit at a cost of $1.50 per transaction
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Repayment options:
- Repayments
are Interest Only for up to 10 years or Principal and Interest
up to 30 years.
- Interest
only payments to be made monthly by direct debit.
- Principal
and Interest payments to be made monthly, fortnightly or weekly
by direct debit or direct salary crediting.
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Home
Equity or Line of Credit Facility Features:
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No monthly fees, account keeping fees or annual fees |
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No
set term |
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Direct salary crediting |
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Debit card. |
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Telephone banking. |
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Cheque book |
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Monthly statements |
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Redraw at any time:
- Amounts
of $2,500 or more through our office at no cost.
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Amounts of $2,500 or less via debit card, BPay, cheque and
direct debit. First
six transactions per month are free then $1.50 per transaction.
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Please
contact us to discuss your needs.
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