Great rates

• Ourcompetitivepricingpropositionenablesyoutooffermarket-leadingratestoallofyourcustomers,withevenbiggerdiscountsavailableforapplicationswithlargerloansizesandlowerLVRs.

Flexible range of broker-exclusive products

• Ouruniqueexclusivetobrokerproductrangeallowsyoutotailorsolutionstoyourcustomers’needs,frombasicloansthroughtofully-functionaltransactionalfacilities.

• Ifyourcustomer’ssituationchangesdownthetrack,ourproductsaredesignedtobeflexibleenoughtochangewiththem.

Simplified application process

• Ouronlinedocumentuploadfacilitiesandupfrontvaluationssaveyouandyourcustomersvaluabletime.

• WithdirectaccessandcommunicationwithyourBDMandasolution-basedassessmentteamthat’salignedtoyourbusiness,wemakeiteasiertogetdealsdone.

Market-leading national support network

• Ouraward-winningBDMnetworkwillsupportyouandyourcustomerthroughouttheapplicationprocess.

• WithaccesstoourdedicatedBrokerResponseCentretoassistwithpreandpost-settlementqueries.

• Whetheryoupreferonlineloantracking,orspeakingdirectlywithournationalnetworkofsupportteams,wemakeiteasyforyoutostayinformed.

Ramped trail commissions

• Ourupfrontcommissionandrampedtrailcommissionstructurecomplementsour‘customerforlife’approach.From1October2014,we’llbeintroducing15bpstrailingcommissionfornewloansinthefirstyear.

more reasonstodobusinesswithNABBroker

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Some other fees and charges

Application fee (new and existing customers): The application fee includes multiple home loan applications, provided they are applied for at the same time. New customer is where the customer does not currently have a NAB Homeplus Home Loan, NAB Peak Performance Loan or Fixed Rate (interest only) Home Loan.

‘Valuation’ component: Ask for quote Property value > $. million – a special valuation fee is payable for each property which has an estimated market value of $. million or more.

Variation fee $: Fee applies for each application to increase a facility limit or change the security – including discharge of mortgage.

Early exit fee: Payable if you repay the loan in full within years from the initial loan drawdown date.

• for loan contracts issued between // and // – $

• for loan contracts issued after // – Nil

Rate lock fee: .% of the approved facility limit rounded to the nearest $. Minimum $.

Progressive drawdown fee: $ Payable each time the customer requests a progressive drawdown on a construction loan limit after the first drawing.

Legal service fee and Government fees and charges: May be payable and will be disclosed in the contract.

Terms and conditions apply to all NAB products,

and are available on request. The information

in this brochure is effective from August .

The services and facilities set out in this document

may change without notice from time to time.

NAB product range at a glance

© National Australia Bank Limited ABN AFSL and Australian Credit Licence A109458-0714

Current products NAB Homeplus Home Loan NAB Peak Performance Loan

Full doc and low doc options Yes Yes

Application fee (new customer) $ – currently waived for loans $, or more $ – currently waived for loans $, or more

Application fee (existing customer) $ $

Low doc application fee $ (The application fee will increase by this amount)

$ (The application fee will increase by this amount)

Loan service fee $ per month $ per half year

Principal and interest Yes No

Interest only Optional – first years only Yes

Fixed rate options to year fixed rate terms available No

Rate lock (Fixed rate only) Yes – interest rate locked for days from receipt of Rate Lock Agreement form

N/A

Building conditions Yes – for Variable rate interest only$ progressive drawdown fee applies

No

Acceptable security Owner occupier or residential investment Owner occupier or residential investment

Family guarantee option Yes – not available with low doc loans No

Minimum loan amount $K $K

Maximum Loan term years Payable on demand

Maximum Loan to Value Ratio (LVR)(with LMI) % (% for low doc loans) % (% for low doc loans)

Maximum Loan to Value Ratio (LVR) (without LMI) % (% for low doc loans) % (% for low doc loans)

Direct debit repayments Yes No

Salary sacrifice Yes – on Principal and Interest only No

Repayment frequency Principal and interest – weekly, fortnightly, monthlyInterest only – monthly

N/A

Offset capability Yes – % (During variable rate period only) No

Packaging Yes Yes

Redraw Yes (During variable rate period only, minimum $,, conditions apply)

N/A

Repayment holiday Yes – for loans with principal and interest repayments only

No

Portability Yes Yes

Cheque access N/A Yes

Visa Debit card access N/A N/A

NAB Debit card access N/A Yes

Telephone banking access Yes Yes

Internet banking access Yes Yes