Essential Home Loan – Special Offer

Main Features:

• Discounted variable interest rate period for either the first 6 months; or term of loan
• Fully verified applicants only
• No ongoing monthly fees
• Debit Card available to access the Redraw facility via most ATM’s & EFTPOS
• Additional repayments can be made at any time
• Free Internet & phone access
• Up to 4 free splits, $20,000 minimum split

Loan Purpose:

• Purchase or Refinance residential owner occupier or residential investment securities

Borrower Type:

• Individual; Company; Trusts; and Partnerships

Option 1

• Variable Interest Rates:
• No Annual Fee or Settlement Fee applicable – $100,000 Minimum Loan
• 6 months discount: initial 5.73%* pa reverting to 6.53%* pa

Option 2

• Variable Interest Rates:
• With a $330 Annual Fee and a once off $275 Settlement Fee ‐ $250,000 Minimum Loan
• 6 months discount: initial 5.63%* pa reverting to 6.43%* pa

Option 3

• Variable Interest Rate:
• With a $330 Annual Fee and a once off $275 Settlement Fee ‐ $250,000 Minimum Loan 6.23%* pa (variable) for the term of the loan

Maximum Loan Size:

• $1.5M – up to 80% LVR (LMI payable on loans >$1M)
• $1.0M – up to 90% LVR
• $750k – up to 95% LVR

Application Fee:

• $299 fee deducted from loan proceeds

Valuation & Doc Fees:

• As outlined within the Ultimate Home Loan Calculator

LMI Capitalisation:

• Up to 95% LVR (QBE LMI or Genworth LMI)

Interest Only Option:

• Up to 10 years if ≤85% LVR or up to 5 years if >85% LVR

Early Discharge Fee:

• (Option 1): 1.5 Months notional payment if discharged within the first 5 years
• (Option 2): 2.5 Months notional payment if discharged within the first 5 years
• (Option 3): 2.0 Months notional payment if discharged within the first 5 years

Offer Ends:

• Applications must be lodged by COB 31st March 2009

*Contact us with your loan size and option preference to obtain a specific CCR sheet. A general CCR sheet is attached.

Contact Ability Finance Brokers now on 02 8002 4035 for further information.

9th January 2009