SmartSuite Home Loan

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					                                  SmartSuite Home Loan
Our SmartSuite Home Loan puts you in control. It combines a fully-featured home loan with all the benefits of a
transactional 100% offset account, and lets you see at a glance what you owe and what you own because the offset balance
is shown separately. The best part is that interest charges are calculated by applying the interest rate to the net balance
(loan amount less offset balance) each day.

                                       Principal & Interest                                    Interest Only
                                       This repayment option offers principal and              Ideal for investors, this option allows you
                                       interest repayments for the full term of the            to have up to 10 years interest only
                                       loan. Interest rate flexibility allows you to           repayments before principal and interest
                                       have a fixed or variable interest rate, and             repayments are required.
                                       you can also split your loan.

 Loan purpose                          Use a SmartSuite Home Loan for:
                                       •	 purchase	or	refinance	of	an	owner	occupied	or	investment	property
                                       •	 debt	consolidation
                                       •	 home	equity	loan	for	investment	or	personal	purposes
                                       •	 Go-Between	bridging	finance

 Application restrictions              •	   no	construction
                                       •	   no	land
                                       •	   no	company	applicants
                                       •	   no	trust	applicants
                                       •	   no	overseas	applicants
                                       •	   no	inner	city	apartments
                                       •	   no	non-permanent	Australian	resident	applicants
                                       •	   no	second	mortgages
                                       •	   maximum	of	3	securities
                                       •	   only	category	1	and	2	locations	(refer	to	for
                                            location listings)
                                       •	   no	self	employed	less	than	2	years
 Interest rate                         •	 variable	rate	with	100%	offset
                                       •	 fixed	rates	for	3	or	5	years	with	100%	offset
                                       Deposit interest is not paid if the net balance is positive (that is if the offset balance
                                       exceeds the amount owned).

 Application/settlement fee            •	   standard	application	fee	$595
                                       •	   settlement	fee	$100
                                       •	   funds	disbursement	fee	$15		
                                       •	   additional	fees	are	payable	if	you	have	more	than	one	security	property,	require	the	
                                            support	of	a	guarantor	or	are	taking	a	Go-Between	bridging	finance	option

                 Adelaide	Bank	a	Division	of	Bendigo	and	Adelaide	Bank	Limited	ABN	11	068	049	178.	169	Pirie	Street,	Adelaide	SA	5000.
 Administration fee                      $10	per	month

 Minimum loan amount                     $10,000

 Maximum loan amount                     $5	million, subject to LMI

 Loan term                               •	   minimum	5	years
                                         •	   maximum	30	years

 Statements issued                       Monthly, on the last day of the month

 Interest calculated                     Interest is calculated daily on the net closing balance of the loan (that is the amount
                                         owed less the offset balance) and is charged monthly.

 Loan to valuation ratio                 •	   up	to	90%*	plus	capitalised	LMI	(principal	and	interest)
                                         •	   up	to	90%*	plus	capitalised	LMI	(interest	only)
                                         •	   up	to	80%	plus	capitalised	LMI	(SmartDoc)

 Repayment frequency                     •	   weekly,	fortnightly	or	monthly	repayments,	(principal	and	interest)
                                         •	   monthly	repayments	(interest	only)
                                         •	   payments	automatically	debit	from	the	offset	balance

 Voluntary repayments                    •	   variable	rate	-	extra	repayments	may	be	made	at	any	time	without	penalty
                                         •	   fixed	rate	-	up	to	$20,000	p.a.	above	normal	repayments	may	be	made	without	
                                         •	   funds	can	be	transferred	from	the	offset	balance	to	the	loan	portion	via	Online	
                                              Banking	or	phone	banking
                                         •	   no	maximum	deposit	to	offset	portion
 Split loans                             Available. Split your loan into fixed or variable portions, or a combination of both.
                                         Additional	$100 loan application fee applies per split.

 Redraw                                  Available.	Free	online/phone	banking	redraws.	Manual	redraw	requests	-	$50.	
                                         Minimum	redraw	amount	$500.

 Credit increases                        Available.	$175	credit	increase	fee	and	$150	security	handling	fee	applies.	
                                         Minimum	credit	increase	amount	$10,000.
                                         Note: Not	available	during	fixed	rate	periods.

 Rate conversion                         Convert from a variable rate to a fixed rate at any time. A loan variation fee may be payable.

                  Adelaide	Bank	a	Division	of	Bendigo	and	Adelaide	Bank	Limited	ABN	11	068	049	178.	169	Pirie	Street,	Adelaide	SA	5000.

*All	LVRs	are	subject	to	LMI	criteria.
                       Transaction fees             Transact	on	your	offset	balance	with	up	to	$10	worth	of	the	following	transactions	
                                                    FREE every month:

                                                                             FREE                                             $2.00	each

                                                    •	 Cash	deposits                                      •	 Bank@Post	withdrawals
                                                    •	 Internal	standing	orders                           •	 EFTPOS	transactions
                                                    •	 Auto	payment	plan                                  •	 Over	the	counter	withdrawals	and	transfers.
                                                    •	 Adelaide	Bank/Bendigo	Bank	ATM	balance	enquiries
                                                    •	 Direct	debits	for	Adelaide	Bank/Bendigo	Bank	
                                                       insurance payments
                                                    •	 Online	banking	transfers
                                                    •	 Express	Line	(phone	banking)	transfers
                                                    •	 BPAY®1	payments	to	non-Adelaide	Bank	accounts
                                                    •	 AnyPay	payments
                                                    •	 Direct	debits
                                                    •	 Cheque	deposits	(excluding	cheques	deposited	at	

                                                     Other fees apply

                 1. ®	Registered	to	BPAY	Pty	Ltd	ABN	69	079	137	518.
                 2.	Bank@Post™	and	its	device	mark	are	trade	marks	(registered	or	otherwise)	of	the	Australian	Postal	Corporation.	All	rights	reserved.
                 Terms, conditions, fees, charges and lending criteria apply. Information correct and is subject to change. Full details on application.
                 Adelaide	Bank	a	Division	of	Bendigo	and	Adelaide	Bank	Limited	ABN	11	068	049	178.	169	Pirie	Street,	Adelaide	SA	5000.

(S28421)V006	(03/10)

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Description: SmartSuite Home Loan