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1. Guarantor Provisions: Required when there are guarantors for the loan, detailing their obligations and rights

2. Construction Provisions: Required for construction loans, including progress payment terms and building requirements

3. Fixed Rate Terms: Specific terms that apply when the borrower chooses a fixed interest rate option

4. Offset Account Provisions: Terms and conditions for linked offset accounts if this feature is included

5. Package Benefits: Details of any home loan package benefits or discounts if applicable

6. Multiple Security Properties: Required when more than one property is used as security for the loan

7. Electronic Communication Consent: Optional section for borrowers consenting to electronic communications and statements

8. Special Condition: Any special or custom conditions specific to the particular loan arrangement

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, term, interest rate, fees, and charges

2. Schedule 2 - Security Property Details: Full legal description of the security property and title details

3. Schedule 3 - Payment Schedule: Repayment schedule showing payment amounts, frequency, and due dates

4. Schedule 4 - Fee Schedule: Comprehensive list of all applicable fees and charges

5. Schedule 5 - Variable Rate Terms: Detailed terms applicable to variable rate periods

6. Schedule 6 - Insurance Requirements: Specific insurance requirements and minimum coverage amounts

7. Appendix A - Direct Debit Request: Direct debit authorization form and terms

8. Appendix B - Privacy Consent: Privacy acknowledgment and consent form

9. Appendix C - Key Facts Sheet: Mandatory NCCP Act key facts sheet about the loan