OUR PRODUCTS PRODUCTS Residential Residential Full Doc Residential

OUR PRODUCTS

PRODUCTS Residential *Residential Full Doc *Residential Classic - Special 80 *Residential Alt Doc *Residential SMSF Investment Home Loan *Residential SMSF - NLT Investment Home Loan *Residential Ex-Pat Commercial *Commercial Full Doc *Commercial Lease Doc *Commercial Alt Doc *Commercial SMSF *Commercial Ex-Pat

PRODUCTS – RESIDENTIAL FULL DOC Our Full Doc Home Loan helps people to achieve their dream of home ownership. Suitable for a wide range of borrowers and for multiple purposes, our Full Doc Home Loan is perfect for those able to meet our requisite income documentation requirements. Credit Parameters Supporting Documentation Product Features • Up to $1. 5 Million PAYG - Last 2 pay slips plus one of the • Up to 5 years I/O • 30 -year Loan Term following: • Up to 5 years Fixed • Up to 95% LVR • Letter of Employment • Owner Occupied or Investment • Latest Group Certificate / PAYG Summary • Up to $20, 000 - Additional repayments during the Fixed Period • Purchase • Property improvement • Refinance existing loan • Debt Consolidation • Cash Out • Tax Assessment Notice • 100% Offset • Individual Tax Returns • Also available on Fixed Rates SELF-EMPLOYED • Debit Card Access • Last 2 years Tax Returns and Financial Statements • Last 2 years Tax Assessment Notices • Full on-Line Banking Facility • Unlimited Redraws • Weekly, Fortnightly or Monthly Repayments • Unlimited additional repayments for Variable Loans

PRODUCTS – RESIDENTIAL CLASSIC SPECIAL 80 Our Classic Special 80 Owner Occupied Home Loan is aimed at those looking for greater flexibility within their loan. The Home Loan comes with a 100% Offset Account and Redraw Facility. It allows flexible lump sum payments and higher loan repayments. This loan is perfect for those looking for greater flexibility within their lives. Credit Parameters Supporting Documentation Product Features • Up to $1. 5 Million PAYG - Last 3 pay slips plus one of • 30 -year Loan Term the following: • Up to 80% LVR • Letter of Employment • Additional repayments can be made at any time without penalty • Purchase or refinance of Owner-Occupied Property • Latest Group Certificate / PAYG Summary • Principle and Interest Only up to a max of 5 years • Tax Assessment Notice • Owner Occupied Loans only • Refinance existing loan • Clear Credit History • Redraw Available • 100% Offset Account Available • Also available on Fixed Rates • Individual Tax Returns • Up to $20, 000 additional repayments allowed without penalty on Fixed Rates SELF-EMPLOYED • Visa Debit Card Access • Last 2 years Tax Returns and Financial • Free unlimited transactions Statements • Weekly, Fortnightly or Monthly • Last 2 years Tax Assessment Notices Repayments

PRODUCTS – RESIDENTIAL ALT DOC Our Alt Doc Home Loans is suitable for Self-Employed Individuals or Companies, operating for at least 2 years, who do not have sufficient documentation to support a Standard Loan Application and are available for multiple loan purposes. Credit Parameters Supporting Documentation Product Features • Up to $750, 000 • ABN active for minimum 2 years • Up to 5 years I/O at max 65% LVR • 30 year Loan Term • GST registration for at least 12 months. • Up to 5 years Fixed • Up to 80% LVR • Alt Doc Declaration Forms (Accountant • Up to 4 splits • Owner Occupied Purchase • Investment Purchase • Owner Occupied Refinance Only & Borrower) • Past 12 months BAS Statements from the ATO. • Where PAYG borrower, normal income documentation required • Unlimited Redraws • Weekly, Fortnightly or Monthly Repayments • Unlimited additional repayments for Variable Loans

PRODUCTS – SMSF INVESTMENT HOME LOAN THE Variable Rate SMSF Investment Home Loan comes with a 100% Offset Account for tenant payments. This loan is perfect for SMSF Property investors. Credit Parameters Supporting Documentation Product Features • Up to $750, 000 To apply for a SMSF Loan, you will • 30 -year Loan Term need to provide the following specific • Loans up to 75% LVR • Additional repayments can be made at any time without penalty documentation: • Purchase or refinance of an existing SMSF Loan (plus Costs) • Principle and Interest Only • Certified copy of the SMSF Trust Deed • Certified copy of Bear/Property Trust • Refinance existing SMSF loan Deed • Clear credit history • Financial information to ensure • Redraw Availble serviceability (e. g. 2 years SMSF Audited Financial Statements) • Full copy of Contract of Sale or • Refinance Loan Statements • 100% Offset Account Available • Free unlimited transactions • Weekly, Fortnightly or Monthly Repayments

PRODUCTS – SMSF NLT INVESTMENT HOME LOAN THE Variable Rate SMSF Investment Home Loan comes with a 100% Offset Account for tenant payments. This loan is perfect for SMSF Property investors with no Liquidity Test required. Credit Parameters Supporting Documentation Product Features • Max $750, 000 To apply for a SMSF Loan, you will • 30 -year Loan Term need to provide the following • Up to 70% LVR specific documentation: • Additional repayments can be made at any time without penalty • Purchase or refinance of an existing SMSF Loan • Certified copy of the SMSF Trust • 100% Offset Account Available • Principle and Interest Only Deed • Certified copy of Bear/Property Trust • Also available on Fixed Ratesup to $20, 000 added repayments allowed with no penalty • Refinance existing SMSF loan Deed • Free unlimited transactions • Clear Credit History • Financial information to ensure • Weekly, Fortnightly or Monthly serviceability (e. g. 2 years SMSF Audited Financial Statements) • Full copy of Contract of Sale or • Refinance Loan Statements Repayments

PRODUCTS – RESIDENTIAL EX-PAT Our Ex-Pat Home Loan is a great solution for Australian Expatriates living overseas who want to purchase an Australian property for him or his family to live in when they in the country or for an investment. Credit Parameters Supporting Documentation Product Features • Up to $750, 000, 75% LVR max with LMI Permanent Salary/Wage Employment • No Interest Only Repayments (Full-Time or Part-Time) PAYG ONLY • Up to 5 years Fixed • Letter of Employment • Up to 4 splits • Current Employment Contract • Unlimited Redraws • Bank Statements to confirm income • Weekly, Fortnightly or Monthly • Up to $600, 000, 80% LVR max • LVR limits include capitalised LMI • 30 -year Loan Term • Owner Occupied or Investment • Purchase • Property improvement • Refinance existing loan deposits • Must have existing equity in real estate OR • Genuine personal savings of at least 20% of the Property Purchase Price NO SELF-EMPLOYED Repayments • Unlimited additional repayments for Variable Loans

PRODUCTS – COMMERCIAL FULL DOC Our Full Doc Commercial Loans are suitable for a wide range of borrowers and can be used to purchase or refinance Commercial, Industrial, Retail or Residential Property. These “Set-and-Forget” Loans have no Annual Reviews and no Security Revaluations. Credit Parameters Supporting Documentation Product Features • Up to $20 Million PAYG - Last 2 pay slips plus one of the • Up to 5 years I/O • 20 -year Loan Term following: • Up to 5 years Fixed • Up to 75% LVR • Letter of Employment • Up to 4 splits • Minimum 1. 5% DSCR • Latest Group Certificate / PAYG Summary • Unlimited Redraws • Owner Occupied or Investment • Purchase • Property improvement • Refinance existing loan • Debt Consolidation • Controlled Equity Release (NO CASH OUT) • Tax Assessment Notice • Individual Tax Returns SELF-EMPLOYED • Last 2 years Tax Returns and Financial Statements • Last 2 years Tax Assessment Notices • Weekly, Fortnightly or Monthly Repayments • Unlimited additional repayments for Variable Loans

PRODUCTS – COMMERCIAL LEASE DOC Our Lease Doc Commercial Loans are specifically designed for people buying Commercial Investment Properties. We do not require full evidence of the income or confirmation of other assets or other liabilities, instead we rely on a quality Third Party Lease to service the debt and the strength of the tenant to secure the loan. Credit Parameters Supporting Documentation Product Features • Up to $1. 5 Million Satisfactory Lease Agreement for • Up to 5 years I/O • 20 -year Loan Term proposed security property in a • Up to 5 years Fixed • Up to 70% LVR Registrable Format Lease must: • Up to 4 splits • Minimum 1. 5% ICR • have at least 24 months remaining • Unlimited Redraws • Investment Only • be at “arm’s length”, that is, not to • Weekly, Fortnightly or • Purchase your own company • be fully executed and a bond paid • Refinance existing loan • Controlled Equity Release (NO CASH OUT) Monthly Repayments • Unlimited additional before settlement of the loan (draft repayments for Variable can be provided prior to instructing Loans solicitors) NO payslips, tax returns, bank statements, BAS or financial statements are required.

PRODUCTS – COMMERCIAL ALT DOC Our Alt Doc Commercial Loans is suitable for Self-Employed Individuals or Companies, operating for at least 2 years, who do not have sufficient documentation to support a Standard Loan Application and are available for multiple loan purposes. Credit Parameters Supporting Documentation Product Features • Up to $1. 5 Million • ABN active for minimum 2 years • Up to 3 years I/O • 20 -year Loan Term • GST registration for at least 12 months. • Up to 5 years Fixed • Up to 65% LVR • Alt Doc Declaration Forms (Accountant • Up to 4 splits • Minimum 1. 5% DSCR • Owner Occupied or Investment • Purchase or Refinance & Borrower) • Past 12 months BAS Statements from the ATO. • Where PAYG borrower, normal income documentation required • Unlimited Redraws • Weekly, Fortnightly or Monthly Repayments • Unlimited additional repayments for Variable Loans

PRODUCTS – COMMERCIAL SMSF Our Self Managed Super Fund Loan (SMSF) is designed to provide loans to authorised Australian Self-Managed Super Funds for the purpose of purchasing Residential or Commercial (non-specialised) Investment Property. Credit Parameters Supporting Documentation Product Features • Up to $1 Million To apply for a SMSF loan, you will need to • P&I only • 20 -year Loan Term provide the following specific • Up to 5 years Fixed • Up to 65% LVR documentation: • Up to 4 splits • Minimum 1. 5% DSCR • Certified copy of the SMSF Trust Deed • No Redraws • Investment Only • Certified copy of Bear/Property Trust • Weekly, Fortnightly or • Purchase • Refinance existing loan Deed • Financial information to ensure Monthly Repayments • Unlimited additional serviceability (e. g. 2 years SMSF Audited repayments for Variable Financial Statements) Loans • Full copy of Contract of Sale or • Refinance Loan Statements

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