Welcome to Melbourne Mortgage Group

MMG SMART START

Target clients:	Individuals (PAYG or self-employed), Companies, Partnerships or Trusts

Loan features:	Basic variable or fixed rate loan with direct credit and debit facilities Full supporting documentation and evidence of income is required for all applicants

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 - $2,000,000 A minimum of 85% of approved loan amount must be drawn down at settlement

Loan to value ratio:	Full Doc 95% for loans up to $500,000 - metro NSW, Vic, Qld, SA, WA, NT and ACT 95% for loans up to $400,000 - metro Tas 90% for loans up to $500,000 - metro Tas 95% for loans up to $350,000 - regional areas of Australia 90% for loans up to $500,000 - regional areas of Australia Full Doc Jumbo 95% for loans from $500,001 to $650,000 - metro NSW 90% for loans from $500,001 to $750,000 - metro NSW, Vic, Qld, SA, WA, NT and ACT 85% for loans from $500,001 to $600,000 - metro Tas 80% for loans from $600,001 to $750,000 - metro Tas 85% for loans from $750,001 to $1,000,000 - metro NSW, Vic, Qld, SA, WA, NT and ACT 85% for loans from $750,001 to $1,000,000 - metro NSW, Vic, Qld, SA, WA, NT and ACT 75% for loans from $1,500,001 to $2,000,000 - metro NSW, Vic. Qld, SA, WA, and ACT Refer to NGS (90/10) Program Fact Sheet where 5% genuine savings cannot be demonstrated Refer to LowStart Program Fact Sheet where introductory discounted variable rate is required

Interest rate:	Variable or fixed rates (up to 5 years) available

Repayment options:	Principal and Interest Interest-Only I/O for 10 years 5 85% LVR then amortisation program commences I/O for 5 years > 85% LVR then amortisation program commences

Repayment methods:	Direct debit from bank account Direct Salary and Other Income Credits BPay

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 - except when fixed

Redraw:	No minimum redraw amount Funds paid into bank account Optional direct debit StarNet (Internet) StarCall (telephone) Credit card sweep

Loan account fees:	No monthly account maintenance or ongoing fees No withdrawal/redraw fees 6 free non-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 (Jumbo) Fixed rate break costs

The detail shown above is a summary of MMG's full product and program criteria. This information is subject to change by MMG at its sole discretion and no responsibility is assumed by MMG or its employees to any other person for any loss or damage (whether caused by negligence or not) from the use of the information and advice contained herein.