Line Of Credit - All In One

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	> Split Facility Take the Line of Credit as a sub account within a split loan, which has up to 4 loan accounts allowed. Otherwise it can be a stand alone facility. > Loan Size - $50,000 up to $1,000,000 if taken as stand alone - $25,000 up to $2 Million if taken in combination with a standard account. > Purpose As per the Standard Variable loan. > Term 30 years.	> Repayments Interest Only based on loan balances. > Statements Monthly. > Drawdown Funds available for drawdown can be accessed via the internet or phone banking to a nominated bank account, $50 minimum drawdown and fee free. > Fees No monthly account keeping or monthly fees.

> LVR

	Home Loan Amount	Max LVR
	$50,000 - $1,000,000	99%
	> $1,000,000	80%

Please note LVR’s to 95% can be achieved if combined with
Advantage Rate Loan for refinance applications.

> Nil Interest Visa Access (NIVA)
With the monthly balance automatically swept across
at the end of each month, the NIVA is ideal to pay
bills etc while your salary is credited to your loan
and minimising the interest paid!

> Chequebook Access
A cheque is an easy way to access funds available in
the Line of Credit. It's a great alternative for payment
of larger goods and services.

> Pay Anyone
Transfer funds or set up an external direct debit to any
other Australian bank account or to your other loans.

> Direct Debit
Pay your loan by direct debit monthly or fortnightly.

> Direct Salary Crediting
Have your income directly paid into your loan account
and use your linked credit card, Chequebook or
drawdown facility over the phone or via the internet to
access your money or pay bills.