Document ID: chunk:federal_register_of_legislation:F2024C00882:schedule:5:p1
Version: federal_register_of_legislation:F2024C00882
Segment Type: schedule
Provision Reference: sch 5 (pt 1/6)
Character Range: 517055–520751

Schedule 5—Key Facts Sheets for standard home loans
Note: See regulation 28LB.

Part 1—Model of Key Facts Sheets

This Key Facts Sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009

KEY FACTS ABOUT THIS HOME LOAN
Date produced: [date]  [lender logo]
                       Australian credit licence number: [lender's ACL number] 1

THIS IS NOT AN OFFER OF CREDIT. This Key Facts Sheet is provided to help you compare this home loan with the home loans of other lenders.

What you have told us
Loan Amount:              [loan amount]
Term of the home loan:    [loan term]
Interest type:            [fixed or variable] 2
Lender and product name:  [lender and product name]

HOW DOES THIS HOME LOAN COMPARE?

Description of this home loan
Repayment method                                              Principal and interest 3
Repayment frequency                                           Monthly (other repayment options are available) 4
                                                              5 [variable interest rate] per annum

                                                              [fixed interest rate] per annum fixed for [number] years, then a variable rate currently [variable interest rate] per annum

Interest rate                                                 [variable interest rate] per annum variable for [number] years, then a [*fixed/*variable/*discount interest rate] per annum
                                                              * Delete whichever is not applicable

                                                              [*fixed/*variable] [introductory interest rate] per annum for [number] years, then a variable rate currently [variable interest rate] per annum
                                                              * Delete whichever is not applicable
Personalised comparison rate: (interest rate including fees)  [Personalised comparison rate] per annum 6

Estimated cost of this home loan
Total amount to be paid back (including the loan amount and fees)            [repaid amount] 7
This means you will pay back                                                 [amount] for every $1 borrowed 8
Establishment fees                                                           [establishment fees] 9
Ongoing fees                                                                 [monthly fees] 11 per month
                                                                             [annual fees] 12 per year
10 Repayment per month (including ongoing fees)                              [monthly repayment] 13
10 Repayment per year (including ongoing fees)                               [yearly repayment] 14
10 Repayment per month for first [number] 15 years (including ongoing fees)  [monthly repayment] 13
10 Repayment per year for first [number] 15 years (including ongoing fees)   [yearly repayment] 14
10 Repayment per month after [number] 15 years (including ongoing fees)      [monthly repayment] 13
10 Repayment per year after [number] 15 years (including ongoing fees)       [yearly repayment] 14

There may be circumstances in which other fees are payable. Fees applicable for the loan you apply for will be shown in the loan contract. You can also obtain a list of fees applicable to this type of loan from our branches 16 or through our website at [lender's website].
Other loan set‑up fees, such as valuation fees 16A and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.
Additional fees may be payable if you choose to repay your fixed