PRODUCT COMPARISON - Sapphire Mortgage Services

Product Comparison



Variable Rate	6.75%	6.75%	0.00%	0.00%	7.75%
Fixed 1 yr	6.60%	6.60%	0.00%	0.00%	7.60%
Fixed 2 yr	7.40%	7.40%	0.00%	0.00%	8.40%
Fixed 3 yr	7.45%	7.45%	0.00%	0.00%	8.45%
Fixed 4 yr	7.90%	7.90%	0.00%	0.00%	8.90%
Fixed 5 yr	8.00%	8.00%	0.00%	0.00%	9.00%
Redraw	Yes, $2000.00 min amount and $25.00 per redraw	Yes no fee & unlimited	Yes no feee & unlimited	NO	Yes
Multiple accounts	$250.00 each	Yes	Yes	Yes	Yes
Interest only	NO	Yes (invest)	YES (invest)	YES	YES
Terms	10-30yrs	10-40yrs	10-30yrs	5-20yrs	10-30yrs
Monthly or annual fee	$10.00	NO	$8.00 p/m	NO	NO
Valuation Fee	$250	$250	$250	TBA on app'	$250
Deferred est. fee (only payable if loan repaid in 1st 5 years)	0.30% loan amount first 5 yrs	0.60% loan amount first 5 yrs	Nil	Nil	$300
Legals	$430	$430	$430	On application	$430
Construction Fee	N/A	$250	$250	N/A	$250
LMI	Applicable	Nil under 80% lend & loan size under 500K	Nil under 80% lend & loan size under 500K	Check with lending staff	Applicable
LVR	97% Plus LMI capitalised	97% Plus LMI capitalised	95% o/oc 90% invest	65% higher with residential sec’ and LMI app	80% max for dwellings, 75% max land
Discharge Fee	$30 o/oc or 1 mth int invest	$30 o/oco 1 mth int invest	$30 o/oc or 1 mth int invest	One month's interest	One month's interest
Loan sizes	$50K-$500K	$50k plus	$50k-$500k	$100k plus	$50k-$800k
	more info	more info	more info	more info	more info
	apply	apply	apply	apply	apply
Features current at Saturday, July 31, 2010. Please always check with lending staff re costs & rates as this table should only be used a guide.