Interest Rate and margin changes Sample Clauses

Interest Rate and margin changes. The variable ANZ interest rates can be changed at any time including the period between the date of your Letter of Offer and the Date of Drawdown. Your repayments may change if interest rates change. If your Letter of Offer provides for an interest rate margin, that margin is not guaranteed for the life of your loan. You can apply for a review of your margin at any time (though the results of any review are not guaranteed and your margin may increase or decrease). If you vary your Loan Agreement, your margin may increase or decrease. A change to a positive margin will be confirmed to you in writing. ANZ can review, amend, or remove your margin at any time by giving written notice. If the Security you are providing to ANZ is over bare land (with no dwelling on it), you may have an additional margin to reflect that the Security is over bare land.
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Interest Rate and margin changes. The variable ANZ interest rates can be changed at any time including the period between the date of your Letter of Offer and the Date of Drawdown. Your repayments may change if interest rates change. • The fixed ANZ interest rates can also be changed at any time before drawdown, but not once the loan has been drawn and the Fixed Interest Rate Period has started. If a variable ANZ interest rate applies to your loan, at any time you can apply to switch to a fixed ANZ interest rate. If ANZ agrees, you will be advised of any extra or varied terms which will apply. If a fixed ANZ interest rate applies to your loan, at the end of any Fixed Interest Rate Period, you may apply for another Fixed Interest Rate Period and, if ANZ agrees to your request, you will be advised of any extra or varied terms which will apply. Where you have not arranged another Fixed Interest Rate Period, your interest rate will automatically change to the variable ANZ interest rate for your Loan. If your Letter of Offer provides for an interest rate margin, that margin is not guaranteed for the life of your loan (but it will not change during a Fixed Interest Rate Period unless you vary your Loan Agreement). You can apply for a review of your margin at any time (though the results of any review are not guaranteed and your margin may increase or decrease). If you vary your Loan Agreement, your margin may increase or decrease. A change to a positive margin will be confirmed to you in writing. ANZ can review, amend, or remove your margin at any time by giving written notice. If the Security you are providing to ANZ is over bare land (with no dwelling on it), you may have an additional margin to reflect that the Security is over bare land.
Sample 1

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