Homeside Loan - Connective News

Contacts
For enquiries about your:
• Home loan(s)
•NAB Classic Banking Account (including deposit book, debit cards etc.)
• NAB Credit Card (including application for a card)
• Telephone and/or Internet Banking and for SMS alerts
Please contact the Homeside Customer Contact Centre on 13 22 18
Homeside Customer Contact Centre hours of operation are:
Monday – Friday 7am – 9pm (EST)
Saturday and Sunday 8am – 6pm (EST)
If you have already registered for Internet Banking please visit
www.nab.com.au and login to your account.
To withdraw funds from your account you have access to all
NAB and redi-ATMs. For other transactions, and to deposit funds,
you can visit a NAB Branch.
For lost and stolen credit cards, please call 1800 033 103 24 hours,
7 days or +61 3 8641 9121 if you’re overseas.
For any enquiries about your lending needs, to discuss refinancing,
or if you’re buying another property please contact your mortgage broker.
Welcome to Homeside
A range of smart, flexible home loans
– available exclusively through
mortgage brokers
Contents
Homeplus – the complete package
4
Fixed Rate Interest Only – a smart way to invest
6
Peak Performance – a flexible line of credit
6
Footnotes
7
Contacts
8
Smart move – With quality advice from
your mortgage broker, and a smart and
flexible home loan from Homeside, you
can buy your new home with confidence.
Homeside is NAB’s range of home loan solutions for mortgage
brokers and their customers.
Whether you’re a first home buyer, upgrading to a bigger house
or buying an investment property, there is a Homeside home loan
to suit you. We’re also flexible enough to grow with you as your
needs change, and together with your mortgage broker we’ll be
with you every step of the way.
This brochure gives you some information about your Homeside
home loan. It also offers some handy tips to make the most of
the features available to you – helping you make your money
work harder, so you can own your home sooner.
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Homeplus – the complete package
NAB Classic Banking with 100% deposit offset
With Homeplus you get a NAB Classic Banking account, which is linked to your
Homeplus home loan in a 100% offset arrangement4.
NAB Classic Banking is an everyday banking account with
no monthly account service fees and no minimum deposit
requirements. It includes:
Your Homeplus home loan
NAB Classic Banking with
100% deposit offset
NAB Credit Card with annual card
fee waived for life of the loan
• 100% offset functionality during the variable interest
rate period4
• No monthly account service fees
• Unlimited access to your money through NAB’s ATM
network (including rediATMs)and with NAB Internet
Banking, NAB Telephone Banking and NAB SMS Banking5
• As a NAB customer, you can manage your money any time
with NAB Internet Banking, NAB Telephone Banking and
NAB SMS Banking5
You also get a NAB Visa Debit card with Visa payWave
functionality for purchases under $100.
Homeplus is a home loan package that includes both a 100% offset arrangement linked
to a NAB Classic Banking account, and a NAB Credit Card with the annual card fee waived
for the life of the loan.
NAB Credit Card offer
Your Homeplus home loan
A Homeplus home loan enables you to manage and structure your loan in
a way that suits you. The following table shows you some of the features
and benefits available.
Description
With Homeplus you may be eligible to get a NAB Credit Card, with the annual
card fee waived for the life of your Homeplus home loan.
You can choose the NAB Credit Card that suits you:6
Homeplus loan
Principal and interest
Interest only
First five years
Variable interest rate
Offset facility
During variable rate period only
Fixed rate options1
1 to 5 years
Additional repayments1
Economic costs may be payable if there is a fixed rate
Redraw (minimum $2,000)
During variable rate period only
NAB Low Fee Visa Card
($500 minimum credit limit applies)
NAB flybuys Reward Card
($6,000 minimum credit limit applies)
NAB Qantas Gold Card
($5,000 minimum credit card limit applies)
Rate Lock (fixed rate only – fees apply)
NAB Qantas Gold Card
NAB flybuys Rewards Card
Minimum loan amount
$100K
Loan term
8-30 years
The NAB Qantas Gold Card allows you to earn Qantas
Frequent Flyer points on your everyday purchases
(up to $10,000 a month).7
Maximum loan to value ratio (LVR)2
Up to 95% (up to 80% for low doc loans)3
• Customers will earn 1 flybuys point for every $1 spent
on everyday purchases on the NAB flybuys Rewards card12
• Complimentary insurances including Overseas
Travel Insurance, Extended Warranty Insurance,
Purchase Protection Insurance, and Interstate Flight
Inconvenience Insurance10
• 24/7 NAB Platinum Concierge service13
• Up to 44 days interest-free days on purchases (when you
pay the full closing balance by the due date each month)
• Additional cardholder at no extra cost11
Family Guarantee
Not available for low doc loans
Building conditions
Variable rate interest only
Direct debit repayments
Repayment frequency options
Principal and interest – weekly, fortnightly and monthly
Interest only – monthly
Repayment holiday
Principal and interest only
Portability when you move house
Cheque access, deposit book and ATM card access
Available with NAB Classic Banking account
Telephone and internet banking access
A NAB Qantas Gold Card Account comes with a NAB Qantas Gold
American Express® Card for maximum points earn, and a NAB
Qantas Gold MasterCard® for added worldwide acceptance.
Plus you get:
• The annual card fee waived for the life of the home loan
(saving you $145.50)8
• Qantas Frequent Flyer rewards program membership
(saving you $82.50)9
• Complimentary NAB Overseas Travel Insurance, Extended
Warranty Insurance, Purchase Protection Insurance and
Interstate Flight Inconvenience Insurance10
• Up to 44 days interest free on purchases (when you repay
the full closing balance by the due date each month)
• Additional cardholder at no extra cost11
Interest rate discounts are available on Homeplus variable rates – based on
total Homeplus lending and loan to valuation ratio (LVR) at settlement.
Speak to your mortgage broker for more information.
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Fixed Rate Interest Only – a smart way to invest
Footnotes
Available for residential investment properties, the Fixed Rate Interest Only loan gives
you the ability to lock-in a one-year fixed rate period, and pay interest annually in advance
up to a maximum period of 5 years.
1.Economic costs may be payable if, during the fixed rate period:
• additional partial repayments are greater than $20,000;
• the loan is repaid in full, or
• the interest rate is changed from a fixed to a variable rate
2. Loan to Value Ratio (LVR) is the total amount of the loan divided by the appraised value of the property.
For example, if a property is valued at $300,000 and the loan amount if $240,000, the LVR is 80%.
3. Low doc refers to the income evidence documentation and a process required for self-employed customers who
can’t provide standard financial information like tax returns to verify their income at the time of application.
4.The transaction account will be linked to the loan account under the offset arrangement from the date of loan
establishment (whether the loan interest rate is fixed or variable) . While there is this link, no interest will be
paid on the transaction account But the offset is only effective while the loan interest rate is a variable rate.
5. Terms and conditions apply and are available upon registration for these services. Fees and charges may apply.
6.This offer is not available to customers with a Homeside home loan where there are more than two borrowers,
or is in the name of a trust or a company.
7.Excludes transactions NAB decide are wholly or partly for gambling or gaming purposes. Points are offered in
accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions available at nab.com.au/
qantas. Caps and tiers apply to the number of Qantas Frequent Flyer points you can earn in each monthly
statement cycle. To earn points using the NAB Qantas Gold Card Account, you must be a member of the Qantas
Frequent Flyer program. If they aren’t already a member, NAB has arranged for the joining fee to be waived if
they apply and receive a NAB Qantas Gold Card and join through qantas.com.au/joinffnab. Membership and
points are subject to the terms and conditions of the Qantas Frequent Flyer program. For more information visit
qantas.com/frequentflyer.
8.Current as at 01 June 2012 and subject to change. Credit card fee waiver is for the life of the loan for a Homeplus
customer. Fee waiver applies only for the first year for Peak Performance and Fixed rate interest only customers
9.Current as at 01 June 2012 and subject to change. The Qantas Frequent Flyer membership joining fee can be
waived for customers who are not already a Qantas Frequent Flyer member, when you join at qantas.com.au/
joinffnab.
10.Conditions and exclusions apply. These complimentary insurances applying to NAB flybuys Rewards Card and
NAB Qantas Gold Card are issued to NAB by Chubb Insurance Company of Australia Limited ABN 69 003 710 647
AFSL 239778 for the benefit of relevant NAB cardholders. The terms, conditions and exclusions of these
insurances are specified in the NAB Card Insurance Policy Information Booklet (available from nab.com.au or by
calling Chubb Insurance on 1800 788 566) and may be amended. A qualifying purchase is required to get the
benefits of Overseas Travel Insurance.
11.Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the
responsibility of the primary cardholder.
12.To earn flybuys points you must be a member of the flybuys Rewards program. Everyday purchases exclude
transactions NAB decides are wholly or partly for gambling or gaming purchases.
13.NAB Platinum Concierge is provided by Visa WorldWide Pty Ltd.
14.If the credit limit is attached to more than one account, the borrower may only be able to draw up to the account
limit on each account.
Registered trademark of American Express Company.
® MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Description
Fixed Rate Interest Only Loan
Interest only
Fixed rate options
1 year – interest charged annually in advance
Rate Lock
Fees apply
Minimum loan amount
$50,000
Loan term
1,2,3 or 5 years
Maximum loan to value ratio (LVR) with LMI
Up to 90% (up to 80% for low doc loans)3
Maximum loan to value ratio (LVR)2 without LMI
Up to 80% (up to 60% for low doc loans)3
Family Guarantee
Not available for low doc loans
2
Direct debit repayments
Repayment frequency options
Annually – in advance (1 year fixed)
Portability when you move house
Telephone and internet banking access
Peak Performance – a flexible line of credit
Peak Performance is a flexible line of credit that works like a transaction account with
an approved credit limit – making it a great way to access the equity in your home.
It gives you convenient access to cash that you can use to finance home renovations, investments or other personal
purchases. You can generally withdraw funds at any time, up to the credit limit (or facility limit14) There is no fixed
repayment schedule; however you are required to make payments to at least cover the interest and fees on the loan
and you can earn interest on credit balances.
Description
Peak Performance Line of Credit Loan
Interest only
Interest is charged monthly to your nominated
account. Only pay interest on what you've used.
Minimum loan amount
$50,000
Repayment frequency options
M
ake repayments as and when you want. (You just need
to ensure you’ve covered any interest charges each
month, and ensure you don’t exceed your credit limit.)
Important Information
The information in this document is of a general nature and has been prepared by NAB Broker and Homeside for
information purposes only. NAB Broker and Homeside Lending are divisions of National Australia Bank Limited
ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).
The information in this document is current at the time of printing but may change without notice. The products
and services described are available only to approved customers. Terms, conditions, fees, charges and eligibility
criteria apply and are available on application.
Any advice contained in this brochure has been prepared without taking into account your objectives, financial
situation or needs. Before acting on any advice in this brochure, NAB recommends that you consider whether it is
appropriate for your circumstances. NAB recommends you consider the Product Disclosure Statement (PDS),
terms and conditions or other disclosure document before making any decisions regarding these products.
Disclosure documents are available from NAB via your mortgage broker.
A credit card offers you great flexibility and convenience. But it’s important to remember, like any debt, you will
have to repay it. If you are unsure as to whether you will be able to manage repayments for a new credit card,
then you should not consider taking up a NAB credit card at this point in time.
National Australia Bank Limited is the product issuer, unless otherwise specified.
Portability when you move house
Cheque access, deposit book and ATM card access
Telephone and internet banking access
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