CURATED LENDING PROPOSAL

Rate comparison across three lenders

Prepared by Lydian Private Office. The following slides set out indicative pricing for your two facilities across Macquarie, Westpac and NAB, so you can assess each lender on a consistent basis before we discuss next steps.

View comparison

SLIDE 01

Your facilities at a glance

Two facilities have been assessed across three lenders. Facility A is an investment loan of $1,767,000 structured as interest only for five years on a 30-year term. Facility B is an owner-occupied loan of $3,210,000 structured as principal and interest on a 30-year term. The figures below reflect indicative pricing current at the time of preparation. NAB pricing for Facility A is based on expected pricing following lender escalation.

$1,767,000

Facility A, investment IO, 5-year IO period, 30-year term

$3,210,000

Facility B, owner-occupied P&I, 30-year term

$4,977,000

Combined facility total

SLIDE 02

Lender rate comparison

Each row below sets out the indicative rate for that facility and lender. Combined repayment figures are indicative only and assume both facilities are held with the same lender. Final terms are subject to formal credit assessment and may improve through lender escalation and credit discretion, depending on your transaction profile.

Macquarie, Facility A: $1,767,000 INV IO: Rate 6.35% p.a. Interest only for 5 years, 30-year term.
Macquarie, Facility B: $3,210,000 OO P&I: Rate 6.04% p.a. Principal and interest, 30-year term.
Macquarie combined blended position: Facility A at 6.35% and Facility B at 6.04% across a combined $4,977,000.
Westpac, Facility A: $1,767,000 INV IO: Rate 6.27% p.a. Interest only for 5 years, 30-year term.
Westpac, Facility B: $3,210,000 OO P&I: Rate 5.93% p.a. Principal and interest, 30-year term.
Westpac combined blended position: Facility A at 6.27% and Facility B at 5.93% across a combined $4,977,000.
NAB, Facility A: $1,767,000 INV IO: Rate 6.08% p.a. based on expected pricing following escalation. Interest only for 5 years, 30-year term.
NAB, Facility B: $3,210,000 OO P&I: Rate 6.39% p.a. Principal and interest, 30-year term.