Homeside Lending (NAB) Equity Line of Credit

Main Features and Fees...

Company
Interest Rate	Enquire Here - Variable interest rate discounts available (see below)
Products Available	HomePlus - Professional Variable Rate
Offset Account	NA
Redraw Facility	NA
Extra Repayments	Yes
Lump Sum Repayments	Yes
Product Change	Yes, $300 fee applies
Portability	Yes, $200
Construction	No
Split Loan Facility	Yes - $100 per split
Principle and Interest Payments	No
Interest Only Payments	Yes
FEES
Upfront Fees	$600 to Nil (see notes) plus $162.50 legal fee
Ongoing Fees	$70 per half year
Early Exit Fees	$1,200 if loan is paid within first 3 years
Discharge of Mortgage Fees	$300

Notes

Special Offer: Rate discounts apply to LVR/Loan Amount on Variable Rate Loans effective 16th October 2009. Not available on Fixed rate options. Refer to Special Offers folder for details.

Interest Rate Concessions:

Tier 1 - < $150K= nil concession

Tier 2- $150 to $250K+ = 0.20% concession

Tier 3- $250K+ = 0.73% concession

Construction lending is now available to both new and existing borrowers on the HomePlus Variable Rate 5 Year Interest Only product

The Establishment Fee is waived in the following instances for loans with 90% LVR or less (excluding Intro Fixed):

NSW, QLD, VIC, WA & ACT loan greater than $300K

SA, TAS & NT loan greater than $200K

95% LVR available

10% Gen Savings (saved over 3 months) required on investment loans with LVR >85%

Pre-Approved Gold Visa or Gold MasterCard available (limit not included in loan assessment)

Customers choose from either a Gold Visa or Gold MasterCard

Annual Fee on the credit card is waived

Choice of Fly Bys or Gold Rewards

Up to 44 days interest free

Credit Card can be used to access HomePlus Deposit Offset Account

No annual fee on Gold Visa/MasterCard

Offset available during variable rate only

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