LJH 5STAR HOME LOAN INVESTMENT

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 7.03%, Comparison Rate 7.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 6.55%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.54%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.52%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.63%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.89%, Comparison Rate 6.69%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 7.00%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.94%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.49%, Comparison Rate 6.88%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.94%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 6.89%, Comparison Rate 6.97%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.83%, Comparison Rate 6.67%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.33%, Comparison Rate 7.17%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 7.01%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 6.96%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.90%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.89%, Comparison Rate 6.98%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.99%, Comparison Rate 7.01%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.79%, Comparison Rate 6.56%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.69%, Comparison Rate 6.56%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.59%, Comparison Rate 6.55%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.89%, Comparison Rate 6.67%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.99%, Comparison Rate 6.74%
• Repayment Type: Interest Only
• Loan Purpose: Investment

 Product Features

• Digital Banking Additional Information: SCCU Netbanking

• Offset

• Npp Enabled

• Redraw Additional Information: Available on variable rates only

• Other Additional Information: Construction Loans available

• Other Additional Information: Terms up to 30yrs available. Up to 40yrs for applications under 80%

• Other Additional Information: Extra Repayments. Capped at $10k per annum while rate fixed.

• Other Additional Information: Interest Only options available up to 5yrs at a time.

 Product Eligibility

• Other Additional Information: Only available for business introduced through LJ Hooker Home Loans

• Natural Person

• Min Age - 18.

• Other Additional Information: Meets SCCU assessment criteria and demonstrates capacity demonstrated to repay loan

• Residency Status Additional Information: Must be an Australian citizen or permanent resident with an Australian residential address

• Other Additional Information: Provide acceptable residential mortgage security which must be insured with SCCU noted as an interested party.

 Bank Fees and Charges

• Home Loan Legal Fee (Event), Amount: 430.00. Additional Information: A one off fee required to document and settle your loan.

• Recontracting Fee (Event), Amount: 150.00. Additional Information: Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee.

• Loan Discharge Fee (Event), Amount: 150.00. Additional Information: This fee covers the costs associated with releasing your title and is charged per security discharged

• Avm Valuation Fee (Event), Amount: 25.00. Additional Information: service that can provide real estate property valuations using mathematical modelling combined with a database.

• Desktop Valuation Fee (Event), Amount: 170.00. Additional Information: automated computer valuation completed using property data, recent comparable sales and property listings

• Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable if a FIXED rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate

• Fixed Rate Lock Fee (Variable), Amount: Not Listed.. Additional Information: May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request

• Home Loan Product Switch (Event), Amount: 300.00. Additional Information: Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee.

• Home Loan Security Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the security used for an existing loan agreement. Charged per security.

• Loan Top-up (Event), Amount: 250.00. Additional Information: Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans

• Guarantor Security Variation (Event), Amount: 300.00. Additional Information: Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security

• Security Guarantee Fee (Event), Amount: 200.00. Additional Information: If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor.

• Home Loan Trust Deed Legal Fee (Event), Amount: 132.00. Additional Information: A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan.

• Construction Loan Progress Fee (Event), Amount: 450.00. Additional Information: Applicable to construction loans only when progressive payments are made to your builder.

• Redraw In Branch (Transaction), Amount: 25.00. Additional Information: Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only

• Loan Consolidation (Event), Amount: 250.00. Additional Information: Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans.

• Loan Variation (Event), Amount: 150.00. Additional Information: When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term.

• Property Valuation Fee Broker (Event), Amount: 300.00. Additional Information: If using a property as security for the loan, we need to confirm what the property is worth. This fee covers the cost of valuing your property which can vary depending on type and complexity of the property. Fee varies dependent on type and complexity of property. Minimum fee shown.

 Limitations & Restrictions (Constraints)

• Min Limit of 100000.00

• Max Limit of 4500000.00