• Investment Line of Credit (interest only capitalising facility with nominated credit limit) with optional Secured Investment Visa Card (up to $20,000)

The investment line of credit is used to pay any balance of purchase price on the investment acquisition with available credit remaining to meet the on-going interest and costs associated with your investment property or share portfolio.

You are not required to make interest payments to the investment line of credit (provided you are within your credit limit).

Check out these great benefits!

1. The 100% Offset Savings account attaches to your Home Loan Account. You can salary credit and/or put rent and other savings into the offset savings account. You pay less interest because interest is calculated daily on the outstanding loan balance less the offset savings account balance. As a result…the interest component of your home loan monthly repayment reduces and the principal component correspondingly increases so you pay down your non-deductible home loan debt faster.

2. This offset account is unique because other Offset Accounts are available only with variable rate loans. This Offset Account is available with both variable and fixed rate home loans. If you are concerned about rising interest rates you can fix your rate, sleep easy at night and still enjoy the benefits of the 100% Offset Account.

3. Bill payments can be made electronically from the Offset Account which is convenient, quick and easy –you avoid hassles and save time.

4. The investment line of credit (LOC), together with the investment term loan allows you to borrow 100% of the purchase price of an investment + the acquisition costs. This maximises your negative gearing benefits and allows you to apply personal savings (that might otherwise have been used for a deposit and/or costs on the investment purchase) as an additional payment to your home loan so that you pay down your personal home loan debt faster.

5. The investment LOC gives you immediate access to funds providing you with a buffer to cover unexpected vacancies or costs (e.g. property maintenance or margin calls) so there is no strain on your cash flow.

6. The capitalising feature of the investment LOC means no interest payment is required on the LOC (provided it does not exceed the credit limit). This puts additional money in your pocket which you can save for personal use. You enjoy a cash flow benefit which if used wisely can help you build wealth faster.

7. Having an investment LOC in place means you no longer have to subsidise your investment costs with personal income. Instead you draw down on your investment line of credit. You can use your personal income to take a holiday and / or if you are in wealth building mode pay down your personal non-deductible loans - the holiday refreshes and you reduce burdensome personal debt.

8. An investment visa card for up to $20,000 is an added bonus. It includes a 55 day interest free period on purchases and the interest charged is at the same low rate as the line of credit. A further buffer for investment expenses but more importantly you can say goodbye to the pain of 18% + credit card interest and save yourself money.

Investor Advantage - Rates as at 17/12/2010

Initial Set-up Fees

Product Features at a Glance

Minimum Loan Amount	$150,000
Maximum Loan Amount	$5,000,000 - Lender A (Home & Investment Loan) $750,000 - Lender B (Investment Line of Credit)
Maximum Loan: Value Ratio (LVR) Lenders Mortgage Insurance applies over 80% LVR	90% - Lender A (P&I accounts) 90% - Lender A (I/O accounts) 90% - Lender B (I/O accounts)
Loan Terms up to	30 years
Interest Only up to	10 years
Fixed Rate	5 years
Online Account Management System
Direct Debit
Direct Salary Crediting
Ability to switch between variable and fixed intereset rates (fee applies)
Unrestricted Additional Repayments (Fixed Rate - term portion max. $20,000)
No repayments required on LOC until credit limit is reached
Loan is portable to another security property
Secured Visa Card at same interest rate as your mortgage, 55 days interest free