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General Details
InstitutionPolice Department Employees Credit Union
 
 Police Department Employees Credit Union
 
Product NameRetirement Lifestyle Loan Retirement Lifestyle Loan
Loan Conditions
Is there a guarantee of 'No Negative Equity'Yes Yes
Legal Advice RequiredYes Yes
Lending in all AreasYes Yes
Age 60
Min. Loan-To-Valuation ratio (LVR)- -
Max. Loan-To-Valuation ratio (LVR)- -
Min Loan Amount- -
Max Loan Amount- -
Age 65
Min. Loan-To-Valuation ratio (LVR)- -
Max. Loan-To-Valuation ratio (LVR)30 30
Min Loan Amount20000 20000
Max Loan Amount300000 300000
Age 70
Min. Loan-To-Valuation ratio (LVR)- -
Max. Loan-To-Valuation ratio (LVR)30 30
Min Loan Amount20000 20000
Max Loan Amount300000 300000
Age 80
Min. Loan-To-Valuation ratio (LVR)- -
Max. Loan-To-Valuation ratio (LVR)30 30
Min Loan Amount20000 20000
Max Loan Amount300000 300000
Interest Rates
Rates AvailableVariable Variable
Variable Rate9.46 9.46
1 Yr Fixed- -
2 Yr Fixed- -
3 Yr Fixed- -
4 Yr Fixed- -
5 Yr Fixed- -
Fees
Total Setup Fees600.00 600.00
Ongoing/Annual Fee84 84
Discharge Fee350 350
Early Termination/Deferred Establishment Fee$500 Payable if and when you terminate your retirement Lifestyle Loan within 36 months of the initial funding. $500 Payable if and when you terminate your retirement Lifestyle Loan within 36 months of the initial funding.
Features
Partial Repayments AllowedYes Yes
Repayment NotesVoluntary regular repayments Voluntary regular repayments
Drawdown - Lump Sum or Regular PaymentsLump Sum Lump Sum
Further AdvancesYes Yes
Revaluation RequiredYes Yes
Revaluation Frequency (yrs)5 5
Revaluation Fee- -
PortabilityNo No
Limit to Equity Reduction- -
Avaliablility
NSWYes Yes
ACTYes Yes
QLDYes Yes
VICYes Yes
TASYes Yes
SAYes Yes
WAYes Yes
NTYes Yes

All information on this website is of a general nature and does not take into account your individual circumstances. Artog does not give financial advice for advice that takes your circumstances into account please consult a qualified financial advisor.
#Where actual testimonial savings or potential savings are mentioned, these are specific to the circumstances in question and may have been achieved with specific Artog partner offers. These may not apply to your situation.

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