Business Banking Factsheet

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General Details
Institution
Product Name	SMALLBiz Investment Loan
Institution Phone	1800 088 114
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Loan Details
Loan Type	Fully Drawn Advance
Security Type	Residential
Repayment Type	Principal & Interest
Minimum Margin	-
Maximum Margin	3.00
Interest Calculated	Daily
Min. Loan Amount	$10,000
Max. Loan Amount	$2,000,000
Min. Loan Term	1
Max. Loan Term	20
Loan-to-Value Ratio
Max. Loan-to-Value Ratio	80%
Loan-to-Value Ratio Negotiable	No
Interest Rates
Variable Rate	7.39
Base Rate
Default Rate	-
Fixed Rate: 1 Year	6.29
Fixed Rate: 2 Year	6.29
Fixed Rate: 3 Year	6.29
Fixed Rate: 4 Year	6.84
Fixed Rate: 5 Year	6.89
Fixed Rate: 6 Year	-
Fixed Rate: 7 Year	-

Access and Fees
BusinessCard Access
Business Card Fee
Credit Card Access
Credit Card Fee
ATM Access
ATM Fee
Internet Access
Internet Fee
Cheque Access
Cheque Fee
Drawdown Fee
Early Termination Fee or Penalty
EFTPOS Access
EFTPOS Fee
Redraw Access
Redraw Fee	$35
Establishment Fee	595
Exit Fee
Legal Fee
Over Limit Fee
Other Fee
Line Fee
Overdraft Fee
Over Limit Fee
Service Fee
Switching Fee
Temp Overdraft Fee
Unused Limit Fee
Valuation Fee	$200
Comments	Redraw fee is $35 for Staff Assisted, $10 completed via Internet Banking. Fees are minimum - will be detailed on application. Break Costs apply on early termination of fixed rate.