COMMERCIAL LOAN - FULL DOC - LO DOC - NO DOC Product Classification: Full Commercial Mortgage Features Key Features 25 Years   NO LMI   Large Loans Variable Interest Rate p Fixed Rates available p Available Australia wide p Minimum Loan Size $250,000 Maximum Loan Size $5,000,000 Maximum Loan to Value Ratio with Mortgage Insurance 75% Available as a Lo and No Document Loan *Conditions Apply p Max Lo Doc LVR 70% Max No Doc LVR 65% Additional Payments without penalty p Redraw Facility p Cost for Redraw $0 Minimum Redraw (manual) $5000 Split Loan Available N/A Number of Splits available N/A Purpose Purchase / Refinance Owner Occupied Home x Purchase / Refinance Investment Property p Debt Consolidation p Property Renovation / Improvement p General Investment Purposes p Business Purposes p Construction fixed price contract x Construction investment owner builder (max 50% LVR) x Set Up Costs Establishment Fee 5% Application Fees   Valuation Fee TBA Legal Fees Approx .72% Mortgage Insurance all LVRs N/A Ongoing Fees $0 Statements 6 monthly Payment Options Principal and Interest p Interest Only p Interest Capitalisation p Maximum Interest Only Option 5 Years Repayments Monthly p Fortnightly x Weekly x Types Principal Reduction p Loan to Value Ratios Full Doc Lo Doc Residential less than $750k** 90% 90% Residential less than $1.25m** 90% 80% Residential less than $1.75m** 80% 75% Residential greater than $1.75m** 70% 65% Commercial Tenanted 75% 70% Commercial – owner occupied 75% 65% Industrial – tenanted 75% 70% Industrial – owner occupied 75% 65% Retail – tenanted 75% 70% Retail – owner occupied 75% 65% Vacant Land – Residential 60% 55% Vacant Land – Commercial/Industrial 50% 50%

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