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1. Guarantor Provisions: Required when there is a guarantor for the loan, detailing their obligations and rights

2. Construction Provisions: Included for construction loans or when the property is under construction

3. Strata Title Provisions: Required for apartments or units under strata title

4. Multiple Security Properties: Included when more than one property is being used as security

5. Fixed Rate Loan Terms: Required for fixed-rate periods, including break costs and variation terms

6. Variable Rate Loan Terms: Required for variable rate loans, including rate variation mechanisms

7. Offset Account Provisions: Included when an offset account facility is offered

8. Electronic Transaction Terms: Required when electronic signing or communications are permitted

9. Company Borrower Provisions: Required when the borrower is a company rather than individual(s)

10. Trust Borrower Provisions: Required when the borrower is borrowing in capacity as trustee

1. Schedule 1 - Property Details: Detailed description of the mortgaged property including title references

2. Schedule 2 - Payment Schedule: Detailed breakdown of payment amounts, dates, and amortization schedule

3. Schedule 3 - Fee Schedule: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Insurance Requirements: Detailed insurance requirements including minimum coverage amounts

5. Schedule 5 - Special Conditions: Any special or additional conditions applicable to the specific loan

6. Appendix A - Direct Debit Request: Form for setting up automatic payment arrangements

7. Appendix B - Privacy Consent: Required privacy consent forms and declarations

8. Appendix C - Guarantor Documents: Required guarantor forms and declarations (if applicable)

9. Appendix D - Loan Calculation Examples: Examples of interest calculations and payment scenarios

10. Appendix E - Property Valuation: Summary of the professional valuation of the security property