AIMS First Choice Home Loan

Full Doc Product

Purpose	To purchase or refinance an owner occupied or investment residential property.
Borrower Types	- Individual or partnership - Business/Company - Trust (Discretionary or Unit)
Security	- Registered First Mortgage - Must be zoned for residential use - A house, villa, home unit, townhouse or duplex - At least 50m2 in living area, excluding balconies and car space - Other security types may be accepted, subject to limitations
Minimum Loan Amount	$100,000.00
Maximum Loan Amount	$1,000,000.00
Loan Term	Up to 30 years
Loan to Valuation Ratio(LVR)	Up to 70%
Interest Rate	Variable rate, refer to Pricing Matrix below
Repayment Type	P & I or Interest Only (Available from 1-5 years)
Repayment Method	Direct Debit
Repayment frequency	Monthly or Fortnightly
Application Fees	Upfront $1,950.00 (include one valuation fee)
Lender's Mortgage Insurance	n/a
Legal Fee	n/a
Risk Fee	4.99% Upfront
Account Keeping Fee	n/a
Additional Repayments	Available - Unlimited on variable rate loan only
Early Repayment Fees	Not applicable
Redraw Facility	Available
Splits	Available at request
Vacant land	Not Available
Construction	Not Available
Internet Access	Available

PRICING MATRIX

	LVR
LOAN AMOUNT	Up to 60.00%		60.01-65.00%		65.01-70.00%
	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate	Interest Rate	Comparison Rate
$100K - $300K	6.15%	6.78%	6.25%	6.88%	6.35%	6.99%
$300K - $500K	6.35%	6.99%	6.45%	7.09%	6.55%	7.19%
$500K - $750K	6.55%	7.19%	6.65%	7.30%	6.75%	7.40%
$750K - $1M	6.75%	7.40%	6.85%	7.50%	n/a	n/a

All comparison rates are calculated on the basis of secured credit of $150,000 over a 30 year term.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.