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					                                        Paramount Mortgages
                                        Product Matrix




                                           95% 5% Non Genuine Savings                         90% Non Genuine Savings 2 Paid Defaults                    75% Paid Defaults Considered
      Product                                                                                              Considered



        Type                                         Securitised                                             Securitised                                           Securitised


                                                       8.02%                                                   8.02%                                                 8.02%
Term & Interest Rate                               Up to 30 years                                          Up to 30 years                                        Up to 30 years


    Commission                                0.6% Upfront 0.20% Trail                                0.6% Upfront 0.20% Trail                              0.6% Upfront 0.20% Trail



  Application Fee                                      $995.00                                                 $995.00                                               $995.00


                                                  P/I Up to 30 years                                      P/I Up to 30 years                                    P/I Up to 30 years
P & I or Interest Only                     I/O considered for investor only                        I/O considered for investor only                      I/O considered for investor only


    Repayment                                 Fortnightly and Monthly                                 Fortnightly and Monthly                               Fortnightly and Monthly


      Max LVR                                            95%                                                    90%                                                   75%


      Security                                       Residential                                             Residential                                        Residential/Rual


    Tax Returns                                          Yes                                                     Yes                                                   Yes
                                                   (self emplyed)                                          (self emplyed)                                        (self emplyed)
                                                $30,000 - $650K                                         $30,000 - $650K                                        $30,000 - $1M
   Loan Amounts                             Amounts subject to location                             Amounts subject to location                           Amounts subject to location

      Exit Fee                                       Y1 – Y4 1%                                              Y1 – Y4 1%                                            Y1 – Y4 1%


     Other Fees                                  Legal and valuation                                     Legal and valuation                                   Legal and valuation


  Pre-pay Interest                                       No                                                      No                                                    No


   Loan Purpose                                         Code                                            Code and Non-Code                                     Code and Non-Code


                                                                                        Max 2 Paid Telco’s no more than $1K in total paid
                                                                                                                                              Paid defaults considered with good explanation.
Special Conditions                                                                      more than 12 months ago. Deposit cannot include
                                 Deposit cannot include proceeds of a personal loan.                                                          Deposit cannot include proceeds of a personal loan.
                                                                                        proceeds of a personal loan. Any post code
                                                         #1                                                                                   Any post code considered.
                                                                                        considered.
                                                                                                                                                                       #16
                                                                                                                 #15




    1 of 4     Paramount Mortgages ACL:392788 Newlend RN: 393423 Updated: Jan 2011 Commissions include GST, Rates and LVR are indicative only and subject to change without notice.
                                               Paramount Mortgages
                                               Product Matrix



                                                                          80% Full Doc Arrears And Minor Defaults             75% Residential Lo Doc                    80% Residential Lo Doc
      Product               80% Full Doc Unlimited Arrears and Defaults
                                                                                        Considered                                                                  No BAS & No Trading Statements


        Type                                  Private                                      Private                                     Private                                    Private

                                           From 9.84%                                      7.85%                                   9.60% - 9.70%                                  7.33%
Term & Interest Rate                      Up to 30 Years                               Up to 30 Years                              Up to 30 Years                             Up to 30 years


    Commission                             0.7% Upfront                                  0.7 Up front                                0.5 Upfront                             0.5 – 1% Up front
                                                                                                                                       Nil Trail                                  Nil Trail


  Application Fee                              2.1%                                         2.1%                                         2%                                   1-2% + $395.00



P & I or Interest Only                       P/I and I/O                                  P/I and I/O                                P/I and I/O                                P/I and I/O


    Repayment                       Weekly/Fortnightly/Monthly                   Weekly/Fortnightly/Monthly                   Fortnightly and monthly                  Weekly/Fortnightly/Monthly


                                                                                                                       75% Self employment 2 years ABN min                Up to 80% considered
      Max LVR                                   80%                                          80%                                    12 months


      Security                              Residential                                  Residential                                 Residential                      Residential, Rural/ Residential

                                                                                                                                                                 Income declaration and accountant letter
                                                                                                                        Self certify income and accountants
                                                                                                                                                                 or 12 months BAS statements
                                                                                                                              letter required for lo doc
    Tax Returns                          Yes (self emplyed)                          Yes (self employed)




   Loan Amounts             QLD VIC NSW WA SA Metro max 30K-800K          QLD VIC NSW WA SA Metro 30K-800K                           up to 750K                                 Up to $1M

                                                                          Y1, 5 mnths int + $200.Y2,4 mnths int +
                            Y1, 5 mnths int + $200.Y2,4 mnths int +
                                                                          $200.Y3,3 mnths int + $200.Y4,2 mnths          $980 + 3 months additional interest     1800 in yr 1 1$100 yr 2 and $800 yr three
      Exit Fee              $200.Y3,3 mnths int + $200.Y4,2 mnths int +
                                                                          int + $200.Y5, and thereafter 1 mnths int                                                    & $295 +costs discharge fee
                            $200.Y5, and thereafter 1 mnths int + $200.
                                                                          + $200.
                                                                                                                                                                 Valuation $200.00 (additional $220.00) &
     Other Fees                         Legal and Valuation                          Legal and Valuation                        Legal and Valuation                           legal $275.00

  Pre-pay Interest                              No
                                                                                              No                                         No                                         No

   Loan Purpose                         Code and Non-Code                           Code and Non-Code                           Code and Non-Code                          Code and Non-Code


                                                                                                                                                                 Cash out restrictions apply call 1300 799
                                                                                                                      One paid or unpaid default under $5K,      399 to discus
                                                                          Construction OK (owner builder no) will
Special Conditions                               #2                                                                   Up to 2 telco/utility defaults under $2K   #20
                                                                          take up to 2 non-financial defaults
                                                                                                                      ignored. Defaults paid over 2 years ago
                                                                          ignored if total < $1,000
                                                                                                                      and under $5K ignored.
                                                                                               #3
                                                                                                                                            #4


          2 of 4     Paramount Mortgages ACL:392788 Newlend RN: 393423 Updated: Jan 2011 Commissions include GST, Rates and LVR are indicative only and subject to change without notice.
                                     Paramount Mortgages
                                     Product Matrix




                                                                                66% Paramount Jumbo Residential
          Product                       Paramount Lo Doc Residential &                                                    Paramount Credit Repair Lo Doc         50% Lo Doc Construction
                                                                                           No Doc
                                           Commercial Construction

           Type                                       Private                                   Private                                 Private                            Private


Term & Interest Rate                              From 10.40%                             From 9.5%-11.5%                        From 10.30 -11.85%                      From 8.75%
                                                  Up to 2 years                                                                    Up to 6 months                         12 month
                                                                                             1% up front
     Commission                                    0.5 up front                                                                       1% up front                       0.5% Up front
                                                                                             0.25% Trail
                                                     Nil Trail                                                                          Nil trail                          Nil Trail

   Application Fee                                     2.5%                                       2%                                                                         2%
                                                                                                                                          3%

P & I or Interest Only                                  I/O                             12 months – 5 Years                               I/O                                 I/O


         Repayment                      Weekly, Fortnightly and Monthly                        Monthly                                 Monthly                             Monthly


         Max LVR                                70% Residential                               Up to 66%                                  75%                                 50%
                                                65% Commercial

          Security                         Residential & Commercial             Commercial, Industial & Residential                                                    Residential and
                                                                                                                                      Residential                       Commercial
     Tax Returns                                                                                  No
                                                        No                                                                                No                                  No

    Loan Amounts                                   $30K - $1M                                $100K - $5M                             $50K - $1.5M                         Up to $3M


          Exit Fee                        3 months additional interest          One months interest after 6 months                        N/A                     One month’s additional
                                                                                                                                                                        interest

         Other Fees                             Legal & Valuation                        Legal and Valuation                 Legal, Valuation & Risk fee              Legal & Valuation


   Pre-pay Interest                                     No                                       Yes                                      Yes                                Yes

    Loan Purpose                                  Construction                                Non-Code                            Code & Non-code                         Non-code

                                           Accountant letter and self
                                         cerfication of income. Cannot                 NSW, QLD & VIC Metro                                                        Accountants Letter of
 Special Conditions
                                         exceed 80% of hard costs #14                          #5                                         #7                           affordability
                                                                                                                                                                            #8



3 of 4      Paramount Mortgages ACL:392788 Newlend RN: 393423 Updated: Jan 2011 Commissions include GST, Rates and LVR are indicative only and subject to change without notice.
                                     Paramount Mortgages
                                     Product Matrix


                                            75% Paramount                                                                                       60% Paramount Jumbo
                                                                       70% Paramount Commercial
          Product                             Commercial                                                     66% Jumbo Commercial                    Commercial                    Paramount Short Term
                                                                                Lo Doc
                                               Full Doc                                                       Credit Impaired Lo Doc                   No Doc

           Type                                 Private                         Securitised                            Private                           Private                          Private


                                           From 8.85-9.80%                   From 9.45-10.15%                                                                                           3% - 4.5%
Term & Interest Rate                                                                                                 From 11%                      From 9.50-11.50%
                                            Up to 25 Years                    Up To 25 Years                                                                                          30,60,90 Days
                                                                                                                    Up To 1 year
                                                                                                                     1% upfront                                                     0.55% Up Front min
                                            0.55% Up Front                    0.55% Up Front                                                          1% up front
     Commission                                                                                                       Nil trail                                                          $1650.00
                                              0.22% Trail                       0.22% Trail                                                           0.25% Trail
                                                                                                                                                                                          Nil Tail
                                                                                                                     3% + GST                                                             2% or
   Application Fee                               1.50%                          From 1.50%                                                                 2%
                                                                                                                                                                                    Min $3300.00 + 1%

                                          Up To 25 Years P/I                Up To 25 Years P/I
P & I or Interest Only                                                                                                   I/O                      12 months – 5 Years                       N/A
                                          Up To 5 Years I/O                 Up To 3 Years I/O


         Repayment                              Monthly                           Monthly                              Montly                           Monthly                     Interest Capitalised


                                              Up to 75%
         Max LVR                                                                    70%                              Up to 66%                         Up to 66%                           75%
                                             Case by case

                                      Residential, Commercial &         Residential, Commercial &                                               Commercial, Industial &
          Security                                                                                          Commercial, Residential &                                          Residential/Commercial
                                              Industrial                        Industrial                                                          Residential
                                                                                                                    Rural

     Tax Returns                                  Yes                                No                                Lo Doc                              No                               No


    Loan Amounts                              $100k - $3M                       $100k - $2M                         Up to $3mil                       $100K - $5M                          $1M

                                         Year 1 – 5: 3 Months              Year 1 – 5: 3 Months                                                One months interest after
          Exit Fee                                                                                             1 – 3 months Interest                                                        N/A
                                          additional Interest               additional Interest                                                      6 months

         Other Fees                       Legal and Valuation              Legal and Valuatiuon                  Legal & Valuation                Legal and Valuation               Valuation and Legal


   Pre-pay Interest                                No                                No                                 Yes                               Yes                               NO


    Loan Purpose                               Non-Code                          Non-Code                            Non-Code                          Non-Code                         Non-Code

                                                                                                                                                                               Needs current valuation
                                                                         Lo Doc Declaration & or                                                                                 and also clear exit
                                                                                                                                                NSW, QLD & VIC Metro
 Special Conditions                                #9                   accountants letter required                     #11                                                    strategy, $750.00 - $2K
                                                                                                                                                        #12
                                                                                   #10                                                                                              settlement fee
                                                                                                                                                                                          #13

4 of 4      Paramount Mortgages ACL:392788 Newlend RN: 393423 Updated: Jan 2011 Commissions include GST, Rates and LVR are indicative only and subject to change without notice.

				
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