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...Residential loan agreement general terms and conditions effective date november important note this document does not contain all the of your or information we are required by law to give you before is made further in offer contents how lend amount our requirements make a advance additional if have building begin work r equirements first dditional for advances an owner builder having kit transportable home built loans final options which apply types switching type category what must pay interest charges default when debited account rate i nterest option v ariable f ixed discounted capped offset facility repayments frequency repayment p rincipal only rogressive drawdown period transactions d ebits credits ayment methods repaying early redrawing redraw fees lender s mortgage insurance break costs changes enforcement expenses w hat can happen then matters nternet phone banking l oan term ubstituting security statements valuers quantity surveyors h ow may exercise rights dealing with varia...