Features	FGNZ Housing Loan Facility		FGNZ Equity Line facility
Description	Variable rate or fixed rate loan facility.		Variable rate Line of Credit facility
Repayment options	Principal & Interest (P&I) Interest-Only (IO)		Interest-Only (IO) Additional principal repayments accepted any time.
Interest rate options	Variable P&I up to 30 years IO up to 10 years ≤ 85% LVR IO up to 5 years	Fixed Fixed IO up to 5 years Fixed P&I up to 5 years	Variable Only IO for 10 years ≤85% LVR then amortisation program commences. IO for 5 years >85% LVR then amortisation program commences.
Maximum loan term	30 years approximately.		30 years approximately.
Repayments Methods	Variable interest rate options only can be made via:- Direct debit system from nominated bank account Can be arranged using Internet or Telephone banking		Can be made via:- Direct debit system from nominated bank account Can be arranged using Internet or Telephone banking
Repayment frequency	Weekly, fortnightly or twice monthly or monthly Day & Date can be nominated.		Weekly, fortnightly or twice monthly or monthly Day & Date can be nominated.
Fees	Account Keeping Fees Statement Fees Transaction Fees Early Repayment Fee	No No No Yes	Account Keeping Fees Statement Fees Transaction Fees Early Repayment Fee	No No No Yes
Security	Acceptable residential property		Acceptable residential property
Redraw conditions	Variable interest rate options only can be arranged via: Direct Credit to nominated bank account Internet banking Telephone banking 2 business days notice is required; No minimum redraw amount.		Can be arranged via:- Direct Credit to nominated bank account Internet banking Telephone banking 2 business days notice is required; No minimum redraw amount.
The detail shown in this matrix is a summary of the full FGNZ Homeloans product criteria and for additional information contact FGNZ Homeloans. This information is subject to change by FGNZ Homeloans at its sole discretion and no responsibility is assumed by FGNZ Homeloans or its employees to any other persons for any loss or damage (whether caused by negligence or not) arising from the use of the information and advice contained herein.