ANZ - Variable Rate Home Loan

Main Features and Fees...

Company
Interest Rate	Enquire Here - Variable rate discounts apply
Products Available	Standard Variable
Offset Account	Yes
Redraw Facility	Yes, free and $2K minimum. Not available in Company name
Extra Repayments	Yes
Lump Sum Repayments	Yes
Product Change	Yes. $350 fee applies
Portability	Yes
Construction	Product selected, progress payment $250
Split Loan Facility	Yes, $200 per split
Principle and Interest Payments	Yes
Interest Only Payments	Yes, up to 10 years for variable
FEES
Upfront Fees	$600
Ongoing Fees	$5 monthly
Early Exit Fees	$700 in the first 4 years. Break fees apply for fixed rates
Discharge of Mortgage Fees	$160

Notes

Owner Occupier or Investment purposes

Purchase existing residential property.

Finance of holiday homes (residential properties for use by borrower or family but not as residence) from which they will not earn any income.

Construction of a residential property to be occupied by the borrower upon completion.

Refinance existing loan/s.

Renovations.

Vacant land - must agree to intent to build within 12 months.

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