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Product Name |
Fixed Rate Home Loan 3 Yrs |
Lender |
ANZ |
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Initial Rate % |
7.23 |
Intro Rate |
 |
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Initial Period |
36 months
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Ongoing Rate % |
7.41 |
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Interest Type (Initial) |
Fixed |
Repayment (initial) |
P&I or I/O |
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Interest type (ongoing) |
Standard Variable |
Repayment (after initial) |
Principal and Interest |
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Max Term Fixed Rate % |
3 |
Max Term Interest Only % |
3 |
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Repayment Frequency |
Fortnightly, Monthly, Weekly |
Maximum No of Loan Splits |
9999 |
Extended Information
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States Available |
ACT, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria, Western Australia |
Financials Required |
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Product Type(s) |
Construction,Construction,Investment,Investment,Owner Occupied,Owner Occupied, |
Non-conforming |
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Notes
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Low Doc 60 Option available for ANZ products. Products to 80% LVR available based on bank criteria.
Please check specific fees and charges witth ANZ BDM as they may vary, prior to loan application.
'Lock Rate' facility is available for extra certainty to protect from potential risk of interest rate rises occuring between loan application and loan drawdown.
One off $250 Construction Progress Pymt Fee applicable if progress draws required.
Rate Lock Fee of $750 available for period of 60 days from conditional approval in addition to application fee (Max Loan Amt $500K with no capitalisation of LMI, further discounts or progressive draw downs).
Extra repayments allowed up to 5% of loan amt, max $5K pa.
As of Monday, 23rd March 2009 ANZ?s maximum Loan to Value Ratio (LVR) for properties greater than $2 million will change from 80% to 75%. The loan amount is capped to $1.5M for properties below $2M. |
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Loan Size/LVR |
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Minimum Loan Amount $
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20,000.00 |
Maximum Loan Amount $
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99,999,999.00 |
Capitalise LMI
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 |
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Maximum LVR %
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95 |
Minimum Loan Term
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3 |
Max Loan Term
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30 |
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Loan Fees |
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Establishment $ |
0.00 |
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Cost to switch to fixed $ |
350.00 |
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Application Fee $ |
600.00 |
Exit Fee $ |
300.00 |
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Valuation Fee $ |
0.00 |
Ongoing Fees $ |
10.00 |
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Legal/Solicitor Fee $ |
0.00 |
Ongoing Fee Notes |
$10 ongoing monthly fee |
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Settlement Fee $ |
0.00 |
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Upfront Fees $ |
600.00 |
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Break cost conditions |
Admin fee $300 + economic cost if loan repaid during fixed rate period. |
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Early Repayment Fee Notes |
Deferred Est Fee $700 if loan repaid in full in first 4 Yrs. |
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Other borrowing costs $
|
0.00 |
Other Fee Notes |
$600 applies for the first product, PLUS $200 for each subsequent product (split) applied for at the same time. 1x Valuation included in application fee then $150 per additional valuation. Settlement Fee of $160 is also included in the Application fee.
Cost to switch to fixed $200 (for non-credit critical changes only) otherwise $350 fee applies for credit critical (e.g. loan term, amount, security, changing repayments to I/O or renewing fixed rate loan term). |
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Services |
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Internet Banking |
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Telephone Banking |
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Credit Card Option |
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Bpay Option |
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Portability of loan |
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Professional Pack |
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Cheque account access |
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Reverse Mortgage |
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Free Transactions per month
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0 |
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Redraw Available |
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Minimum Redraw $
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0.00 |
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Offset Account |
No |
Direct Salary Credit |
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Access Fees |
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Loan Redraw fee $
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0.00 |
ATM own wdfee $
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0.00 |
Fee per Cheque $
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0.00 |
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EFTPOS fee $
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0.00 |
Internet banking fee $
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0.00 |
Internet access fee $
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0.00 |
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Bpay charges $
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0.00 |
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