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Applicant type

Facility limit is assessed on the age of the youngest applicant and the loan to value ratio. The limit available must fall between the acceptable limit range.

Employment requirements

n/a.

Income: required proofs

n/a

Loan amounts minimum & maximum

$20k > no maximum for loans, subject to property valuation and applicant's age

Purpose

Any personal purpose. Refinance any existing loan where the original purpose was for personal use only. Loan can be drawn down in a lump sum payment or periodically or a combination of both. Applicants must be over 65.
Independent legal advice and a signed Statutory Declaration is required as well as independent financial advice from an accredited Financial Planner or accountant and signed Estate Planning and Financial Advice Certificate. Property must be insured.
No negative equity guarantee - conditions apply.

LVR

Age is based on lowest age of borrowers
Customers Min & Max Limit Max LVR ,

65 to 75    20% > 25% LVR = 1% per year
75 to 79    35% > 40% LVR = 1% per year
85 + 45%

Coded, non-coded, or either

Either

Credit related issues

CLEAR.

Variable, fixed or both

n/a

P&I, I/O, or both

n/a

Residency Status

Citizens and permanent residents

Comments, special conditions

No ongoing fees or charges

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