Professional Package Home Loan - NAB - Portfolio Package LOC >$1M

Comparison Rate	6.95%
Amount	$200,000
Term	30 years
Monthly Payment Est.	$1,278.64
Total Amount Paid Est.	$476,940
Establishment Fee	$0.00

6.61%

Target Market
Professional & Investors or Lenders. A total financial solution that provides A Line of Credit and a range of banking and wealth management products and services for one annual package fee.

Acceptable Income
A minimum income of $80K per household

Home Loan Loan Term
Max 30 Years

Home Loan Loan Size
Minimum amount $250K ,
No Maximum

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Home Loan Repayment Type
Principal & Interest ,
Interest calculated daily upon drawdown on outstanding balance

Repayment Options
Repayment frequency - weekly, fortnightly or monthly ,
Interest Capitilisation available for 4 star brokers only

Extra Repayments
Additional repayments permitted. ,
Early payout: No fees applicable.

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Split Loan Facility
Available up to 12 Sub Accounts

Offset
100% offset available (except fixed rate account)

Redraw Facility
Yes - redraw on surplus funds where repayments to the loan are running ahead of the prescribed schedule (minimum $2,000).

LVR for Professional Package Home Loan - NAB - Portfolio Package LOC >$1M

Investment Maximum LVR 95% ,
Owner Occupier Maximum & Vacant Land can be used as security together with residential Normal LMI applies above 80% We can look at 95% - but it is of course subject to LMI ,
Refinance Maximum LVR 95% ,
Debt Consolidation Maximum LVR 90% ,
Effective 1st May 2009, Broker Star Rating determines Max LVRs applicable for new customers: ,
4 Star Brokers - Max LVR 95% ,
2 & 3 Star Brokers - Max LVR 90% ,
0 & 1 Star Brokers - Not able to submit new business.

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Fees for Professional Package Home Loan - NAB - Portfolio Package LOC >$1M

Annual Service Fee $550 ,
No Application or Facility Fee ,
Settlement Fee Nil ($200 if bank staff attend settlement) ,
100% Offset (if applicable) $10 per month ,
Early Exit Fee if loan repaid in full within 4 years $900 ,
Other standard service fees may apply: repeat statements, dishonour fees etc refer to Guide to Fees & Charges - Personal Banking Fees. ,
Eligible up to two NAB Gold Credit Card accounts per package and No annual card fees for life of the package.