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

General Lending Rates

Product Variations

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 (Variable), Amount: Not Listed.. Additional Information: Available upon application

• Administration Fee (Periodic), Amount: 20.00.

• Loan Finalisation Fee (Exit), Amount: 345.00.

• 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: 220.00. Additional Information: $220.00 per security

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

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

• Break Fee (Variable), Amount: Not Listed.. Additional Information: Calculating the interest amount that Heritage would have received over the remaining fixed rate period of your Loan less the interest amount Heritage will receive on a comparable loan for the remaining fixed rate period at the date the Credit Contract is paid out.

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

• 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.

• Paper Based Statement Fee (Variable), Amount: 3.00. Additional Information: Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.

 Limitations & Restrictions (Constraints)

• Min Limit of 250000.00 Additional Information: Preferred minimum amount