Lender News and Updates

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ChoiceLend is pleased to announce a product enhancement that will extend our maximum LVR limit to 95% (inclusive of LMI capitalisation). This limited offer will only apply to the purchase of existing dwellings (owner-occupied and investment).

From ING: Following our recent announcement to increase the maximum LVR available to home loan customers, effective immediately ING DIRECT will offer the Reduced Equity Fee (REF) for new purchases up to 95% LVR plus fee, subject to the REF assessment criteria being met.

Good news is we are back on track with current turnarounds of approximately 4 days for Conditional and 7 days for Formal, including self employed deals. And yes we want to be even better now and long term and are continually working on ways to improve our service. We are pleased to announce that our Basic Package has been recognised by Money Magazine as one of the best home loan offers in 4 categories in the Best of the Best 2011 awards, as published in the latest Money Magazine. This is a result of having some of the most competitive fixed and variable basic products in the market of which today we are still offering 7.09% fixed for 3 yrs under our Basic Package of which also includes option of Basic variable at 7.02% with free 100% offset which gives you free and unlimited ATM withdrawals at NAB and Redi-Teller. You can take either or combine and we still don't have any split or ongoing fees. Set up cost $545, includes one free standard valuation.

Homeloans’ thoughts and well wishes are with all those affected by the devastating floods currently surging across the country. We will be supporting affected customers through our ‘hardship’ arrangements, which are designed to help borrowers during difficult times. If you receive any queries from affected clients who are Homeloans customers, please tell them to contact our client services team on 1300 78 78 74 for more details. For the latest information on the Queensland floods, refer to the State Government website: http://www.qld.gov.au/floods/ To donate to the relief funds for the Queensland floods and Carnarvon floods, please see the below links: Queensland: http://www.qld.gov.au/floods/donate.html Carnarvon: http://www.appealswa.org.au/pledge.html

The team at Liberty are certainly ready, armed with a suite of competitive new products and enhancements that cater to a broad range of customers. These include: • AAA (Prime) home loans, starting from just 7.09%*, with $495 payable to cover valuations and basic searches; • Options such as split loans, redraw, interest only; • SuperCredit, a loan that allows SMSFs to borrow funds to purchase investment property; and • Care, designed specifically for the purpose of financing an aged care accommodation bond.

From HomeSide: Where the LVR is less than 85% we have no limitations on the amount your borrower would like to cashout if we can verify the purpose through Homeside Lending on all full doc applications. For LVR's between 85% and 90% max cashout is 20% of loan amount. ***Please note at any LVR Business use of funds is an unacceptable purpose

We have made available a special “flood relief package” that offers the following: • Customers with Westpac mortgages may defer repayments for up to three months • Businesses with Westpac lending should contact their Relationship Manager directly • Customers with credit cards may request an emergency credit limit increase or defer payments to their card for 90 days • Customers needing to replace damaged goods may apply for a personal loan at a discounted rate with no establishment fee • Term deposit customers can withdraw funds without incurring an interest penalty • Customers that hold a current Westpac Home and contents insurance policy may be eligible for emergency funds and temporary accommodation. Note: The Westpac home and contents insurance policy covers the defined event of ‘flood’. Affected property will be subject to normal policy terms and conditions.

I have been shocked and saddened by the devastating effects of the floods in Queensland. By their very nature disasters are not something that can be anticipated or planned for and I would like to assure any of our customers who have been affected by these floods that we are here to help. Relief and consideration that may be available at our discretion under our Disaster Relief policy includes: - deferral of loan repayments for up to 3 months (owner-occupied loans) - early break on Term Deposits without rate adjustments. Customers affected by the floods and seeking consideration or relief should contact us on 13 30 30 to discuss their circumstances and the options that may be available to them.

In response to the devastating flooding situation in Queensland, ING DIRECT has established a dedicated home loan customer assistance team to help affected customers. We will take a compassionate approach toward customers adversely impacted by the disaster. ING DIRECT will consider the following assistance to affected customers on a case by case basis:  Suspended home loan repayments for up to 3 months  Waiver of loan variation fees for customers who require a restructure to their loan and waived discharge fees where loans are discharged due to insurance payouts  Assistance to savings customers with fast access to savings balances and access to term deposit funds without incurring an interest rate reduction Home loan customers in need of assistance are encouraged to call us on 1300 349 166 to make arrangements specific to their circumstances. Settlements for loans due to occur in Queensland (or where security properties are located in Queensland) will not be completed for at least the next few days. Pipeline applications pending approval or settlement (new and existing customers) where security properties are in flood affected areas will be handled on a case by case basis. ING DIRECT has also donated $100,000 to the Premier’s Flood Relief Appeal to help the broader Queensland community rebuild itself during this time.

For any loans where the LVR is 80% or less rates start at 6.88% which in today's market is great.

•A discounted variable rate product which has the interest rate continually discounted for the next 5 years. •The customer will receive an initial 0.4% rate discount for the first year (off the SVR) and a further 0.1% reduction each year for the next 4 years, resulting in a total ongoing discount of 0.8% for the rest of the loan term. •One off application fee (currently waived). •Minimum loan size $20k •Borrow up to 90%+LMI of the property value •100% offset facility available with a ZERO Transaction Account