Product
ProductCarpe Diem Lo Doc
Region availability|A|N|Q|V|T|S|W|NT|
Product information
Rates (% p.a.)
Initial interest rate2.98
Default variable/roll rate8.36
Interest effective dateTuesday, 13 April 2010
Comparison rate8.08
Interest Rate Note
Fees
Valuation fee (250k property)0.00
Ongoing fee0
Application fee0.00
Mortgage discharge fee750
Deferred establishment fee*
Def estb. fee payable within5y
Total Startup Cost570.00
Settlement fee200.00
Mortgage preparation fee0.00
Securitisation fee
Solicitor fee
Other legal fees
Total legal fees370.00
Switch to fix
Refix fee
Late payment fee
Late payment charged on
Fee note*DEF: 1.50% of loan amount within 5 years
Features
Additonal repayments permitted
Maximum additional repayments permitted Unlimited
Additional repayments fee0.00
Free transactions per month
Redraw facility available
Cost per redraw
Minimum redrawno min
Free redraws per yearUnlimited
Redraw note
Portable loan
Portability fee595
Combination loan
Combination loan fee300
Use as construction loan
Can purchase vacant land?True
All in one & Offset
All in One loan
All in one note
Offset account available
Offset account type100% offset
Offset note
Line of credit
Line of credit
Credit limit
Minimum repayment
Minimum withdrawal
Withdrawal fee
Line of credit note
Non-conforming
Non-conforming Rate Note
Start up cost note
Loan typeSelf-Employed, Low Doc
Additional Notes
Terms & Conditions
Type of repaymentpi
Max LVR % no mort insurance80
Max LVR % with mort insurance80
Amount min100k
Amount max1m
Min loan term7
Max loan term30
Conditions note
Repay optdaily, weekly, fortnightly, monthly
Half monthly amt fortnightly
Repayment note
Access & Transaction Costs
Mail
ATM access
ATM own fee
Cheque access
Fee per cheque100.00
Phone/fax access
Phone fee
EFTPOS access
EFTPOS fee
Internet access
Internet fee
Counter access
OTC fee
GiroPost access
GiroPost fee
BPay access
BPay fee
Credit card access
LenderMortgage House
Loan Brand NameCarpe Diem Lo Doc