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FULLY VERIFIED CONFORMING LOAN

This product is a low interest rate option loan designed to assist those clients who fit within the prime mortgage market. Full income declaration must be provided to determine serviceability. This facility is a full-featured product with no ongoing fees and access to a redraw facility free of charge.

Applicant type	Individuals, Companies, Trusts.
Employment requirements	P.A.Y.G. must be full-time or part-time permanent. If Self-Employed, two years.
Income: required proofs	P.A.Y.G. Pay slips, group certificates or employer letter. Self-employed, two years tax returns.
Loan amounts minimum & maximum	$30k to $2 mil
Purpose	Owner-Occupied, or Investment
LVR	If Non-genuine savings 90% LVR If Genuine savings 95% LVR
Coded, non-coded, or either	Either
Credit related issues	CLEAR. Very minor but paid defaults may be o.k.
Variable, fixed or both	Both
P&I, I/O, or both	Both, but if I / O, & > $85%, max 5 years. If < $85%, max 10 years
Residency Status	Citizens and permanent residents
Comments, special conditions
Approximate rate	Call us for the best rate

APPLY NOW OR CALL 1300 305 085 (local rate)