Target clients

• Individuals (PAYG or self-employed), Companies, Partnerships or Trusts

Loan features

• Full supporting documentation and evidence of income is required for all applicant/s

Loan purpose

• Loans considered for purchase, refinance or consolidation
• Investment or owner-occupied residential security property
• Loans can be regulated or non-regulated by UCCC

Loan term

• Up to 30 years

Loan size

• $30,000 - $4,000,000

Loan to value ratio

• 95% LVR for loans up to $750,000 – metro areas of Australia
• 90% LVR for loans from $750,001 to $1,000,000 – metro areas of Australia
• 80% LVR for loans from $1,000,001 to $1,500,000  – metro areas of Australia
• 75% LVR for loans from $1,500,001 to $2,000,000 – metro areas of Australia
• 95% LVR for loans up to $500,000 – regional areas of Australia
• 90% LVR for loans from $500,001 to $750,000 – regional areas of Australia

Uninsured

• 90% LVR for loans up to $300,000 – metro, regional and country areas of Australia
• 85% LVR for loans from $300,001 to $500,000 – metro, regional and country areas of Australia
• 80% LVR for loans from $500,001 to $1,000,000  – metro, regional and country areas of Australia
• 80% LVR for loans from $1,000,001 to $1,500,000 – metro areas of Australia
• 70% LVR for loans from $1,000,001 to $1,500,000 – regional areas of Australia
• 70% LVR for loans from $1,500,001 to $2,000,000 – metro and regional areas of Australia
• 65% LVR for loans from $2,000,001 to $3,000,000 – metro areas of NSW, ACT, Vic, Qld, SA and WA
• 60% LVR for loans from $3,000,001 to $4,000,000 – metro areas of NSW and Vic

Repayment methods

• Direct debit from bank account
• BPay Credit

• Direct Salary and Other Income Credits

Repayment frequency

• Weekly, fortnightly, twice monthly or monthly
• Day and date can be nominated

Additional repayments

• Can be made at any time using the above methods

Redraw

• No minimum redraw amount
• Funds paid into bank account

• StarNet (Internet)
• StarCall (telephone)

Loan account fees

• No monthly account maintenance or ongoing fees
• Unlimited free standard transactions p/m
• No portability or top-up fees
• No Internet or telephone banking fees

• Early repayment fee – if loan facility (or loan split) repaid in full and closed < 5 years
• Deferred LMI fee (Insured)
• Credit Risk fee (Uninsured)