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  Self-Managed Super Fund Fully Drawn Loan Variable Residential Interest Only

 General Lending Rates

 Product Features

• Other Additional Information: Variable or Fixed interest rate options

• Other Additional Information: Loan terms up to 25 years with residential security and up to 15 years with commercial security.

• Other Additional Information: Principal and interest repayments on all security types

• Other Additional Information: Repayments are monthly in arrears.

• Other Additional Information: Maximum loan to valuation (LVR) ratio is 80% for residential property, 70% for commercial property

 Product Eligibility

• Other Additional Information: SMSF Trustee must be a Company and separate from the Property Trustee

• Other Additional Information: Property Trustee must be a Company and separate from the SMSF Trustee

 Bank Fees and Charges

• Application Fee (Upfront), Amount: 0.00. Additional Information: Available upon application

• Administration Fee (Periodic), Amount: 20.00.

• Loan Finalisation Fee (Exit), Amount: 300.00.

• Default Fee (Event), Amount: 30.00. Additional Information: Will be charged monthly until no longer in default

• Approval Fee (Event), Amount: 100.00.

• Consent Fee (Event), Amount: 200.00. Additional Information: Per Consent if required to Consent to the registration of a Land Titles document over the security property to a third party

• Production Fee (Event), Amount: 100.00. Additional Information: If Heritage is required to produce a security document to the State's Land Titles Authority or agency

• Partial Release Fee (Event), Amount: 200.00. Additional Information: $200.00 per security

• Redocumentation Fee (Event), Amount: 450.00. Additional Information: If you apply to change the specific details of your facility or substitute securities

• Audit Certificate Fee (Event), Amount: 15.00.

• Overseas Cheque Deposit Fee (Event), Amount: 10.00. Additional Information: If a cheque in foreign currency is deposited to your facility account (note: Heritage does not always accept these deposits).

• Document/record Search Fee (Event), Amount: 12.00. Additional Information: For record searches, traces, supplying copy of details of transactions (including Visa card transaction slips) on your facility account (refunded if fee was charged for transaction-specific information and the transaction was incorrectly debited).

• Heritage Cheque Fee (Event), Amount: 10.00. Additional Information: For each cheque drawn by Heritage on itself which is issued from your facility account. $10.00 per cheque (including replacement cheques).

• Telegraphic Transfer Fee (Event), Amount: 30.00. Additional Information: If a telegraphic transfer is made from your facility account via RTGS within Australia

• Rtgs Deposit Fee (Event), Amount: 10.00. Additional Information: If a payment/transfer to your facility account via RTGS occurs.

• Transaction Listing Fee (Event), Amount: 5.00. Additional Information: When a transaction listing between two given dates is issued on your facility account.

• Additional Statement Fee (Event), Amount: 1.00. Additional Information: For the second and each subsequent statement issued during a month, or when a statement is issued on your facility account at your request at any time before the next statement issuing date

• Direct Debit Dishonour Fee (Event), Amount: 10.00. Additional Information: If a direct debit authorised to be made from or to your account is dishonoured

• Sms Alert (Event), Amount: 0.25. Additional Information: $0.25 for each SMS Alert delivered by SMS to your mobile phone.

• Capital Reduction Fee (Event), Amount: 75.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 250000.00 Additional Information: Preferred minimum amount