Home andInvestment Loans

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Our options make your choice easy

First home buyersNext home buyersInvesting in propertyRefinancing your home loanHome loan rate optionsHome loan packagesMember Loyalty ProgramHome Loan RewardsWhat do I need to bring to an interview?Insurance SolutionsFinancial difficultiesHome Buyer Checklist

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With more then 50 years experience in providing financial services, Northern Inland’s prudent lending criteria means we do all we can to ensure your loan is affordable for you.

Secure

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We'rededicated to understandingyour needs

First Home BuyersBuying your first home puts you in unchartered territory. Allow Northern Inland’s lending experts to help you make the right decision for your first big purchase.

Whether you’re buying an existing home or building from scratch, Northern Inland Smart Home Loans have key features to give you the best possible start in the housing market. • A low honeymoon interest rate• No establishment fees • Fast approval

Next Home BuyersYour next home loan must suit your changing lifestyle needs just as your house does. Northern Inland offers Smart Home Loan rates to suit your ever-changing circumstances and repayment needs. Let a member of our lending team guide you through the available options and home loan packages.

Investing in PropertyWhether you are investing in residential property for the first time or expanding an established portfolio Northern Inland is dedicated to understanding the needs of our investors.

Refinancing your home loanNorthern Inland can help you reassess your home loan to meet your changing needs along the way. Whether you are looking to renovate, or you have a fixed-rate loan that is about to expire, our lending team will work with you to finalise a smart solution to suit your goals and repayment needs.

Northern Inland Loans offer:• A choice of either Principal & Interest loan or an Interest Only Loan (for up to 5 years)• Lending for up to 80% of the value of your investment property without mortgage insurance, and up to 95% with mortgage insurance (conditions apply)• A free redraw facility (for eligible loans, conditions apply)• Additional repayments available • 100% Offset Account (for eligible loans, conditions apply)

Northern Inland offers flexible home loan rate options to meet the evolving needs of our Members as they progress through life.Whether you operate on a budget with a family, or are in a position to expand your investment portfolio, we have your lending needs covered.

Flexible

Whether you are...

See pages 5 & 6 for loan rate options

Basic Home Loan Variable RateDesigned for home buyers and investors who want a discount on the ‘Smart Home Loan Variable Rate’. This is a simple no-frills loan with a low monthly fee.

Introductory Home Loan Settle into mortgage life with a low introductory variable or fixed rate. After the chosen introductory period, the rate reverts back to a variable rate or you can choose to fix it for another term.

Smart Home Loan Variable RateA flexible loan with a variable rate. Our fee structure means you have no ongoing or account keeping fees on your loan. This means your outlay over the life of your loan could be significantly less than with loans at other institutions.

Smart Home Loan Fixed RateA secure loan with a fixed interest rate for a set period to suit you. Enjoy the peace of mind of knowing what your regular monthly repayments will be. After the fixed rate period the interest rate reverts to the standard variable rate.

Smart Home Loan Split RateEnjoy the best of both worlds. Combine the security of fixing a portion of your loan and know your set monthly repayments whilst leaving the remaining portion as a variable rate; giving you the freedom to pay extraand reduce the overall life of your loan.

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Options to suit your changing needs

Conditions1Northern Inland reserves the right to withdraw, extend or vary this offer.# Personal Memberships only. The mortgage loan account must not be in arrears or in default of the terms and conditions of the loan. Home Loans Rewards & Classic Credit Card Rewards rate applies only to eligible loan types and access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and arepayable by the Member.* Loan payments must be in advance. Minimum redraw $500.

Key Features Variable Fixed Split Introductory

Smart loan rate options

Variable

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Discounted 3yr Variable or Fixed

(for 1-3 years)

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Fixed(for 1-3 years, then reverts to current variable

rate)

Rate type

Discounted Credit Card rate#

No transaction fees for the life of the loan #

Member LoyaltyProgram Home Loan Rewards

Additional Repayments

Free redraw facility.*

100% offset account

Free transfers through phone or online banking

Flexible weekly, fortnightly, monthly repayment options

Fixed and variable

on variable portion

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Basic

Discounted Variable

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Make extra repayments

totalling $10000 every 12 months from the date of

funding(2 x $5000 pymnts)

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on variable portion

First Home Buyer PackageYou are buying your first home and want to make a head start. By bundling together your home loan, bank accounts and credit card, you can enjoy all our First Home Buyer package extras:

• No establishment fee• Classic Credit Card approved with a

$2000 limit and reduced interest rate for the life of the loan

• Choice of variable or fixed rates• 100% offset account• Free redraw

Am I eligible?To be eligible for a Northern Inland First Home Buyer Package you must:• Hold one Northern Inland transaction account, and • Hold at least one Northern Inland Smart Home Loan product • and, hold one Northern Inland Visa Credit Card.

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Giving you a head start

Conditions# Personal Memberships only. The home loan account must not be in arrears or in default of the terms and conditions of the loan. Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and will be payable by the Member. Home Loan Rewards Credit Card discounted rate applies for the life of the Home Loan.*Lenders Mortgage Insurance required for borrowings over 80%. Credit criteria and fees and charges apply. Terms and Conditions are available on application

First Home Buyer Package

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Smart Features First Home Buyer Package

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Rate type

No establishment fee Borrow up to 95% of the purchase price*

No transaction fees for the life of the loan #

Free Redraw facility

100% offset account available

Classic Credit Card

Additional Repayments allowed

Loan Repayment Insurance available

Free access through phone or online banking

Choose from weekly, fortnightly, monthly repayment options

Choose from any of our fixed or variable loan rate options

Member LoyaltyProgram Home Loan Rewards

Minimum $500 redraw from funds in advance

On Variable rate loans only

with a $2,000 limit and reduced interest rate for the life of the loan#

Make extra repayments totalling $10000 every 12 months from date of funding during

honeymoon period(2 x $5000 lump sums)

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Home Loan Value Package

You want to be rewarded for your loyalty with great value. Bundle together your eligible home loan (with a total balance of $150,000 or more), everyday accounts and credit card to enjoy the full impact of our Home Loan Value Package.For an annual fee, receive discounts on your Northern Inland Smart Variable Loan rate.

Tiered Minimum Amount* Tier 1 $150,000. Discount 0.50%

Tier 2 $350,000. Discount 0.65%

Tier 3 $500,000. Discount 0.80%

Tier 4 $750,000. Discount 0.95%

Am I eligible?To be eligible for a Northern Inland Home Loan Value Package you must hold:• one Northern Inland transaction account• at least one home loan product with a total loan balance of at least $150,000• and, one Northern Inland Credit Card.

To receive the interest rate and fee benefits on new loans with the Northern Inland Home Loan Value Package, you must have a Northern Inland Smart Variable Rate Home Loan.

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Ultimate Value:Discounted interest rates

Conditions* Please be advised these Tiers are not available for amounts less than $150,000** Lenders Mortgages Insurance required for borrowings over 80%# Personal Memberships only. The home loan account must not be in arrears or in default of the terms and conditions of the loan. Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and will be payable by the Member. Home Loan Rewards Classic Credit Card discounted rate applies for the life of the Home loan.

Credit criteria and fees and charges apply. Terms and Conditions are available on application

Home Loan Value Package

You want to be rewarded for your loyalty with great value. Bundle together your eligible home loan (with a total balance of $150,000 or more), everyday accounts and credit card to enjoy the full impact of our Home Loan Value Package.For an annual fee, receive discounts on your Northern Inland Smart Variable Loan rate.

Tiered Minimum Amount* Tier 1 $150,000. Discount 0.50%

Tier 2 $350,000. Discount 0.65%

Tier 3 $500,000. Discount 0.80%

Tier 4 $750,000. Discount 0.95%

Am I eligible?To be eligible for a Northern Inland Home Loan Value Package you must hold:• one Northern Inland transaction account• at least one home loan product with a total loan balance of at least $150,000• and, one Northern Inland Credit Card.

To receive the interest rate and fee benefits on new loans with the Northern Inland Home Loan Value Package, you must have a Northern Inland Smart Variable Rate Home Loan.

Home Loan Value Package

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Smart Features Home Loan Value Package

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Variable rate

Member LoyaltyProgram Home Loan Rewards

Minimum $500 redraw from funds in advance

with a reduced interest rate for the life of the loan# and no annual fee

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Rate type

No establishment fee

Annual fee

No transaction fees for the life of the loan #

Free Redraw facility

100% offset account available

Classic Credit Card approved

Additional Repayments allowed

Loan Repayment Insurance available

Borrow up to 95% of the purchase price**

Free access through phone or online banking

Flexible weekly, fortnightly, monthly repayment options

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It’s all about saving you money

When you hold a home loan with us, you are exempt from excess rebated transaction charges for the life of the loan.* Just another way we reward you for your loyalty!

Fee Exempt

We reward you furtherSmart Offset AccountsNorthern Inland offers a transaction account which attaches to your eligible variable home or investment loan. The daily closing balance of your Offset Account reduces the interest payable on your home loan by offsetting the outstanding loan balance.

How could it benefit you?E.g. A Member with a $150,000 home loan at an interest rate of 7.34% would have monthly repayments of $1,092.92 which is approximately $177,877 in interest to be paid over the term of the loan.With a Smart Offset Account linked to the home loan for the entire loan term with a constant balance of $10,000 a Northern Inland member would pay the loan off in 21 years and pay approximately $134,299 in interest. This represents a saving of four years and approximately $43,577 in interest.These figures are based on a scenario for a Northern Inland Smart Home Loan - variable rate of 7.34%, on the premesis that the interest rate does not change for the life of the loan.

Member Loyalty ProgramYour membership and loyalty is rewarded with savings at Northern Inland. The higher your balance (deposits and loans), the fewer fees you pay. Most Members can avoid paying any fees at all.What’s even better is when you have a home loan with Northern Inland, you qualify for Home Loan Rewards. This means that you will be exempt from

excess rebated transaction charges for the life of your loan.

*Full details on fees and rebatable transactions are outlined in the Product Fact Sheet (PFS) for Fees & Charges/Member Loyalty Program, available at www.nicu.com.au or from any branch.

Home Loan RewardsDiscounted credit card:When you take out a Northern Inland Smart Home Loan, you automatically become eligible for a Northern Inland Classic Credit card. As an added bonus, you are entitled to our Home Loan Reward Rate which offers a special lower interest rate on the Classic card for the life of your loan. This great interest rate not only applies to new purchases but also to cash advances.Full details of interest rates available in our InterestRates Update.

To determine if this account suits your needs, read the Product Fact Sheet at any branch or by visitingwww.nicu.com.au

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Proof of income and expenses • Rent receipt OR• Rates notice• Payslips (at least three of your most recent payslips) OR• Letter from employer (stating what you are employed as, how many years service, hours and regular earnings)• Statements of any other income (eg: Centrelink letter)• Up-to-date statement of other loans and/or credit cards from other financial institutions. Please note we require six months worth of home loan, personal loan and savings account statements, plus one month of credit card statements.Current Members: your requirements will be assessed at the time of application.

Self EmployedProof of income and expenses• Tax return details last two years • Up-to-date figures and projected figures from Accountant (if requested).

With all the correct supporting paperwork, your loan officer can approve your loan application usually within 24 hours of your interview.Based locally, you can enjoy fast local approval to purchase your dream home or investment when you want it.

Fast

What do I need to bring to a loan interview?

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We're here to help

If you are in financial difficulty or having trouble repaying your Northern Inland home loan please call our Credit Control Department on 02 67635111.

Assistance

Every little bit countsHome Insurance SolutionsNorthern Inland knows it is impossible for our Members to predict the future. That’s why we offer a range of competitive insurance solutions to help keep your most valuable assets protected:

Home Buidling & Contents Insurance Offers cost effective protection for your home buidling and contents against a wide range of events.

Landlord’s Insurance – Covers a wide range of events including damage by tenants. Get further peace of mindwith the Rent Default and Theft by Tenant optional cover.

With Home and Landlord Insurance you also have the option to pay in instalments at no extra charge†.

Insurance policies are issued by Allianz Australia Insurance Limited (Allianz). ABN 15 000 122 850 AFSL 234708. Allianz is the insurer of the Disability and Unemployment cover. Allianz Australia Life Insurance Limited (Allianz Life) ABN 27 076 033 782 AFS Licence No: 296559 of 2 Market Street, Sydney NSW 2000 is the insurer of the Death cover. Allianz acts as Allianz Life’s agent in offering and administering the Death cover. Allianz acts as Allianz Life’s agent in offering and administering the Death cover. Northern Inland Credit Union Limited arrange these insurance as agent for Allianz.We do not provide advice based on any consideration of your objective, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about your insurance needs, please consider the Product Disclosure Statement available from your local Northern Inland branch, If you purchase this insurance, Northern Inland will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services on this product. †Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

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Together it’s easy

Our lending team are committed to helping you find the smartest ways to manage your money. We pride ourselves on personalised, friendly service and we are there for you through the process of buying your new home. Whether you are a first home buyer or experienced investor, Together, it’s easy.

Step by step

Home Buyer checklist:

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Research properties to find the best one for you

Determine your budget

Choose the right home loan

Organise property inspections and legal advice

Make an offer

Finalise your loan

Settlement

Move in to your new home

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Any advice or information on this page does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Disclosure Documents, Financial Services Guide and Credit Guide before acquiring a product.

Contact us today02 6763 5111

481 Peel Street TamworthShop 22 Tamworth Shoppingworld

252 Conadilly Street Gunnedah73 Maitland Street Narrabri

www.nicu.com.auPhone Banking (24 hour access) 1300 65 64 28

Northern Inland Credit Union Limited

ABN 36 087 650 422 AFSL 235022 Australian Credit Licence 235022

Contact us today1300 65 65 81

481 Peel Street Tamworth142 Bridge Street Tamworth

252 Conadilly Street Gunnedah73 Maitland Street Narrabri132 Merton Street Boggabri

www.nicu.com.auPhoneTeller (24 hour access) 1300 65 64 28

Northern Inland Credit Union Limited

ABN 36 087 650 422 AFSL 235022

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Contact us today1300 65 65 81

481 Peel Street Tamworth142 Bridge Street Tamworth

252 Conadilly Street Gunnedah73 Maitland Street Narrabri132 Merton Street Boggabri

www.nicu.com.auPhoneTeller (24 hour access) 1300 65 64 28

Northern Inland Credit Union Limited

ABN 36 087 650 422 AFSL 235022

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