Advantage Home Loan

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	> Loan Size $50,000 up to $2,000,000. > Split Facility Can combine with LOC to access NIVA Card and Chequebook. > Purpose Purchase or refinance for investment and/or private purposes. > Security Owner occupied or Investment properties. > Term 10, 15, 20, 25 or 30 years. > Repayments Variable rate only, Principal and Interest or Interest Only to 5yrs.	> Direct Debit Pay your loan by direct debit monthly or fortnightly. > Direct Salary Crediting Available on P & I loans only. 1st repayment must be made by direct debit. > Redraw No minimum redraw via internet or phone banking. No fee to redraw. > Mortgage Insurance Payable by borrower where LVR exceeds 80%. > Fees $120 Annual Fee. Even with this fee, with the reduced interest rate you can still save thousands on your home loans payments.

LVR

	Home Loan Amount	Max LVR
	$50,000 - $750,000	95%
	$750,001 - $1,000,000	90%
	> $1,000,000	80%

Please note maximum refinance is $750,000 @ 95%.
This includes refinance of Mortgage & Car Loan, and up to
5 unsecured debts such as credit cards or personal loans.
Mortgage Insurance required on loans > 80% LVR.

> Portablility
The security property can be substituted if required.
Note there may be restrictions if loan size needs to be altered.

> Statements
Free Quarterly statements.

> Additional Repayments
Unlimited additional repayments at any time on variable rate.