Principal & Interest
This repayment option offers principal and
interest repayments for the full term of
the loan.
Interest Only
Ideal for investors, this option allows you
to have up to 10 years interest only
repayments before principal and interest
repayments are required.

Loan purpose

Use a SmartDoc Home Loan for:
• purchase or refinance of an owner occupied or investment property
• debt consolidation
• home equity loan for investment or personal purposes
• Go-Between bridging finance
Application restrictions • no construction
• no land as security
• no company applicants
• no trust applicants
• no overseas applicants
• no non-permanent Australian resident applicants
• no second mortgages
• maximum of 3 securities
• no defaults
• category 1 and 2 locations (refer to brokers.adelaidebank.com.au for location listings)
• no inner city apartments
• no self employed less than 2 years
Interest rate • variable rate (SmartDoc) with 100% offset
• fixed rates for 3 or 5 years (SmartDoc) with 100% offset
Deposit interest is not paid if the net balance is positive (that is if the offset balance
exceeds the amount owned).
Application/settlement fee • standard application fee $595
• settlement fee $100
• funds disbursement fee $15
• additional fees are payable if you have more than one security property, require the
support of a guarantor or are taking a Go-Between bridging finance option.
*All LVRs are subject to LMI criteria.
Administration fee $10 per month
Minimum loan amount $10,000
Maximum loan amount $2 million, subject to LMI
Loan term • minimum 5 years
• maximum 30 years
Statements issued Monthly, on the last day of the month
Interest calculated Interest is calculated daily on the net closing balance of the loan (that is the amount owed
less the offset balance) and is charged monthly.
Loan to valuation ratio • up to 80% plus capitalised LMI
Repayment frequency • weekly, fortnightly or monthly repayments (principal and interest)
• monthly repayments (interest only)
• payments automatically debit from the offset balance
Voluntary repayments • variable rate – extra repayments may be made at any time without penalty
• funds can be transferred from the offset balance to the loan portion via Online Banking
or phone banking
• no maximum deposit to offset portion
• fixed rate – up to $20,000 p.a. above normal repayments may be made without penalty
Split loans Available. Split your loan into more than one portion.
Additional $100 loan application fee applies per split.
Redraw Available. Free online/phone banking redraws. Manual redraw requests – $50.
Minimum redraw amount $500.
Credit increases Available. $175 credit increase fee and $150 security handling fee applies.
Minimum credit increase amount $10,000.
Rate conversion • Convert from a SmartDoc variable rate to a SmartDoc fixed rate at any time. A loan
variation fee maybe payable.
• Convert to a SmartFit rate by providing proof of income. A loan variation fee
maybe payable.

Smart Doc Low Doc Home Loans – Adelaide Bank is a post from: Sydney Mortgage Brokers MortgageCorp

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Loan Conditions

• Max loan $1,000,000
• Max LVRs
  • 70% for residential (credit impaired)
  • 70% for retail shops and commercial offices
  • 65% for industrial properties
  • 50% for other income producing assets (suitable for >100 acre farms)

• Interest rates starting from 8.19% for both variable and fixed rates
• Locations:  All metro capital cities and major regional centres
• Term 1-2 years interest only
• Credit Impairment – Light to moderate credit impairment considered on merit
• Any worthwhile purpose
• Non regulated loans only.

Call Mike Nicholls on 0411 222 551 or (02) 8014 4288 or use our contact form.Re

Credit Impaired Commercial and Residential Loans from La Trobe is a post from: Sydney Mortgage Brokers MortgageCorp

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Loan Product Information

A low priced variable rate term loan with no account keeping fee

The business essentials loan is a low cost variable rate term loan at the core of your business finance.

The Business Essentials loan may help businesses wanting to:

• Expand
• Buy a property to operate from
• Purchase plant and machinery

for more information contact MortgageCorp on (02) 8014 4288 or use our contact form

Suncorp announces aggressive loan rates for Small Business is a post from: Sydney Mortgage Brokers MortgageCorp

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This loan can benefit you in a number of ways. By paying interest up front for a fixed term this loan offers you a lower rate than our standard ANZ Fixed Rate loan. It also offers flexibility with regard to repayments frequency and fixed rate terms. Plus there are no ongoing fees. Taxation benefits may also apply via negative gearing. We recommend you discuss this with your Accountant or Financial Advisor.
You can even make additional repayments up to a set tolerance* each year of the fixed rate period, without triggering an early repayment cost calculation.

Principal repayments are deferred on this loan until the fixed rate period has ended. Once the fixed interest-in-advance period has expired the rate automatically reverts to the ANZVariable Residential Investment loan rate.

Purpose
Fund purchase of residential investment property such as a house, holiday house, unit, apartment or town house to let.

Repayments
Interest-in-Advance repayment options allow you to pay annually, half-yearly, quarterly, or monthly in-advance. Repayment of the principal portion of the loan is deferred until the Interest-in-Advance term is complete. Once the Interest-in-Advance term is complete, repayments can be made weekly, fortnightly or monthly. These repayments can be automatically debited from your ANZ Access account or from an account held at another bank.

Lock Rate Option
With ANZ Interest-in-Advance Residential Investment Loan the interest rate that will apply is the rate for the term you select as at the day you settle your loan. However, if you would like to ‘lock in’ the interest rate current at the time you apply you can do this with ANZ Lock Rate. By paying a Lock Rate fee, the rate is ‘locked in’ for up to ninety days, protecting you from the potential risk of interest rates increasing before you drawdown your loan. Lock rate gives the extra security of knowing exactly what your repayments will be for a set period.

Lenders Mortgage Insurance
With Lender Mortgage Insurance we can lend you up to 90% of the purchase price. To find out more please enquire at any ANZ Branch or call 1800 333 123 for more details.

Negative gearing
For advice about how negative gearing could work for you, and to ensure that any requests by you to the Australian Taxation Office (ATO) are accurate, we recommend you consult your accountant or financial advisor.

ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual. ANZ Interest-in-Advance Residential Investment Loan

Interest Rate
For the latest Interest Rates, visit the MortgageCorp Mortgage Calculator
Lock Rate
Yes, Lock Rate is available on the 1-5 Year Fixed Rate Residential Investment Loans maximum amount $1,000,000.
Lock Rate fee applies ($600 plus 0.15% of loan amount)

Term
Interest-in-Advance term – 1 to 5, 7, and 10 years
Overall loan term – 30 years

Minimum amount
$20,000
Interest-in-Advance repayment
Annually, half-yearly, quarterly, monthly repayment options – Interest-Only

Fees
Standard loan approval fee applies.

Repayment options when loan converts to Variable Rate
Weekly, fortnightly or monthly
Additional Repayments
Additional repayments can be made up to a set amount known as a tolerance*.
Repayment source
Repayment can be made by Direct Loan repayment (DLP) or Deposit Book

Talk to MortgageCorp today
If you’re ready to invest in residential property, talk to your ANZ manager today. We’ll work with you to prepare exactly the right loan to suit your needs today, and structure it to suit your needs in the future. Like more information? Visit our website at www.anz.com, Phone the Property Investor’s Hotline on 1800 333 123 8am – 11pm EST seven days a week, or visit any ANZ branch.
Further information
This Fact Sheet contains general information about the ANZ Interest-in-Advance Residential Investment Loan option. It does not form part of the Terms and Conditions.
#All applications are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.

ANZ Interest-in-Advance Residential Investment Loan for property investors is a post from: Sydney Mortgage Brokers MortgageCorp

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This loan provides you with repayment security as the rate is fixed and the repayments are locked in for the fixed rate period. ANZ Fixed Rate Residential Investment Loan has a range of terms of 1 to 5, 7 or 10 years. It offers flexible repayment options, which you can choose at the outset of the loan.

You can even make additional repayments up to a set tolerance* each year of the fixed interest rate period, without triggering an early repayment cost calculation. The amount of the tolerance can vary according to the tolerance of your loan and the date that your current fixed rate period commenced.

Plus ANZ also offers the ability to link your loan to a 100% offset account on the ANZ One Year Fixed Rate Residential Investment Loan. This means you can deposit funds in your ANZ Offset Account and reduce your interest cost in a tax effective way. You are also able to access the extra repayments made to your 100% mortgage offset account when you need them.

Once the fixed rate period is finalised the loan automatically converts to the ANZ Variable Residential Investment Loan rate applicable at the time.

If you are looking to pay interest up-front on your loan and receive a lower rate, we also offer the ANZ Interest-in-Advance Residential Investment Loan. For more details, please see the Fact Sheet titled ANZ Interest-in-Advance Residential Investment Loan or ask MortgageCorp

Repayments
Your repayments can be automatically debited from your ANZ Access or ANZ Personal Cheque account, or from an account held at another bank. You can choose weekly, fortnightly or monthly repayments.
In additional to the standard principal and interest repayments, you can have interest only payments for up to ten years.

Lock Rate Option
With an ANZ Fixed Rate Residential Investment Loan the interest rate that will apply is the rate for the term you select as at the day you settle your loan. However, if you would like to ‘lock in’ the interest rate current at the time you apply you can do this with ANZ Lock Rate. By paying a Lock Rate fee, the rate is ‘locked in’ for up to ninety days, protecting you from the potential risk of interest rates increasing before you drawdown your loan. Lock Rate gives the extra security of knowing exactly what your repayments will be for a set period.

Negative gearing
For advice about how negative gearing could work for you, and to ensure that any requests by you to the Australian Taxation Office (ATO) are accurate, we recommend you consult your Accountant or Financial Advisor.

Lenders Mortgage Insurance
With Lender Mortgage Insurance we can lend you up to 90% of the purchase price. To find out more please contact MortgageCorp

ANZ Rapid Refinance. Why wait?
Has an ANZ loan caught your eye? ANZ Rapid Refinance# allows you to quickly switch your current loan to ANZ in only a matter of weeks. So, you will benefit from your refinance plans far quicker than usual.

ANZ Fixed Rate Residential Investment Loan
Interest Rate
For the latest Interest Rates, visit the MortgageCorp Mortgage Calculator

Lock Rate
Yes, Lock Rate is available on the 1-5 Year Fixed Rate Residential Investment Loans, maximum loan amount $1,000,000.
Lock Rate fee applies.

Term
Terms from 1 to 5, 7 & 10 year fixed period. Total loan term up to 30 years.

Minimum amount
$20,000.

Repayment frequency

Repayment options: Weekly, fortnightly or monthly.

Principal & interest for 1-5, 7 and 10 years
Interest only up to 10 years. The Interest Only period must equal the fixed interest rate period.

Additional Repayments
Additional repayments can be made up to a set amount known as a tolerance*.

Repayment source
Repayments can be made by Periodical Payment (PP) or Deposit Book

Other
Free $1,000 ANZ Assured facility on an ANZ One cheque or savings account linked to the ANZ One Year Fixed Rate Residential Investment Loan

If you’re ready to invest in residential property, talk to your MortgageCorp representative today. We’ll work with you to prepare exactly the right loan to suit your need today, and structure it to suit your needs in the future. Like more information?

Further information
This Fact Sheet contains general information about the ANZ Fixed Rate Residential Investment Loan. It does not form part of the terms and conditions.
#All applications are subject to ANZ’s normal credit approval criteria. Terms and conditions available on application. Fees and charges are payable.

ANZ Fixed Rate Residential Investment Loan for property investors is a post from: Sydney Mortgage Brokers MortgageCorp

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How does the ANZ Residential Land Loan in a Company Name work for you?
An ANZ Residential Land Loan in a Company Name is a competitively priced loan to help fund the purchase of land, on which you intend to build within 12 months. When you are ready to build, ANZ can help you finance this with any one of our award winning Residential Investment Loans.

Purpose
Purchase of residential land, to build a residential investment property in the name of a business entity, for the personal benefit of the director/s or beneficiaries of a trust.

Flexible Repayments
You can choose weekly, fortnightly or monthly repayments as well as making lump sum reductions. This will shorten the loan term, and may save you thousands of dollars. Whatever suits your needs, ANZ is there for you! Plus you can make interest only payments for up to 12 months. Repayments can be made by using Direct Loan Payments (DLP) or deposit book.
Interest Rate
For the latest Interest Rates, visit our Mortgage Calculator

Term
Repayments based on maximum 30 year term
Building must commence within 12 months

Fees and charges
Standard Loan Approval Fee applies.

Refer to ANZ’s Small Business Banking Fees and Charges brochure for details of current fees.

Minimum Loan
$20,000

Additional repayments
Additional repayments can be made at any time

Repayment source
Repayments can be made by Direct Loan Payment (DLP) or Deposit Book

Repayment options
Principal and Interest or Interest Only up to 1 years
Terms and conditions available on application. Fees and charges are payable.
All applications are subject to ANZ’s normal credit approval criteria.

ANZ Residential Investment Land Loan in a Company Name is a post from: Sydney Mortgage Brokers MortgageCorp

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Call us now on (02) 8014 4288

Bankwest Commercial Property Finance special offer. Bankwest Business is fighting for the Australian economy, business and jobs by committing billions to help Australian business keep fighting. The Commercial Property Finance Fighting Fund has been established to enable Australian businesses to keep investing, helping to protect our economy from the worst of the global financial crisis.

As part of this offer, we have established a market leading 4.99% p.a. 12 month variable lending fund:

12 month intro variable interest rate
Business Edge Loan
After intro period, offer converts to standard variable Business Edge loan rate with option to fix
Minimum loan amount of $250 000 and maximum $5 million
Up to 30 year term

Application for this special offer is available until 30/09/2009 and must be drawn down by 30/11/2009.

Call MortgageCorp today on (02) 8014 4288 or 0411 222 551

Bankwest Commercial Property Finance Special Offer 1 Year 4.99% is a post from: Sydney Mortgage Brokers MortgageCorp

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ANZ Portfolio provides customers with a simple way to put their equity to work by allowing the flexibility to open up to 12 Sub-accounts and the convenience of a broad choice of sub-account types and repayment options. Sub-accounts can be held in the name of one or more of the Portfolio holders (except the Primary Sub-account, which must be in the name of all Portfolio holders*).

Those named as the Sub-account holders, are authorised to operate and manage the Sub-account, however all Portfolio holders are liable for all Sub-accounts if they are in default.

* Exception where a Portfolio holder is a Company or Trust, in which case the Primary Sub-account will be in the name of the company or Trust only.

For more information about a Portfolio Loan please contact MortgageCorp on (02) 8014 4288 or use the contact page to send an online enquiry

ANZ Launches Portfolio Loan for Investors is a post from: Sydney Mortgage Brokers MortgageCorp

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