• Property Share allows for borrowers to purchase one property using separate loan facilities. Note: A maximum of two loan facilities per security is allowed where each loan may have multiple borrowers. Borrowers can split their loan facility to best suit their needs (see example below).

• Each loan facility can be for different amounts, with different loan types, duration and payment structures.

• LVR is calculated on the combined debt and LMI (where applicable) will be split proportionately and capitalised to each loan.

• All applicants must be owners of the property – i.e. no third party guarantors.

• Customers must prove servicing for their own loan facility.

• Customers must always guarantee each others loan(s) (security support only).

• It is mandatory that customers seek independent legal advice before entering into a Property Share arrangement and sign a Statutory Declaration which will be sent with the Guarantee to each Guarantor.

Property Share is available on all Home and Investment Home Loans and Colonial Lines of Credit, including Low Docs. Mortgage Advantage (MAV) benefits may apply.

• No LMI – Up to 80%

• With LMI – Up to 95% (97% after LMI is added to the loan amount) Conditions apply.