Homeside Lending (NAB) Fixed Rate Home Loans

Main Features and Fees...

Company
Interest Rate	Enquire Here
Products Available	1,2,3,4 and 5 year fixed rates for full and lo doc
Offset Account	No
Redraw Facility	No
Extra Repayments	Yes - $20,000 per year
Lump Sum Repayments	Yes - $20,000 per year
Product Change	Yes, $300 fee applies plus break fees
Portability	Yes, $200
Construction	-
Split Loan Facility	Yes - $100 per split
Principle and Interest Payments	Yes
Interest Only Payments	Yes up to 5 years
Rate Lock	-
FEES
Upfront Fees	$600 to Nil (see notes) plus $162.50 legal fee
Ongoing Fees	$10 per month
Early Exit Fees	$1,200 if loan is paid within first 3 years plus break fees
Discharge of Mortgage Fees	$300

Notes

During the 1- 5 Year Standard Fixed rate term borrowers can pay up to an extra $20,000 during each fixed rate period. Principal reductions above the $20,000 limit can be made to the loan during both the interest only and principal and interest period

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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