1. Guarantor Provisions: Include when there is a guarantor for the loan

2. Multiple Properties: Include when the loan is secured against multiple properties

3. Special Repayment Arrangements: Include for non-standard repayment terms or early repayment options

4. Insurance Requirements: Include when specific insurance coverage is required

5. Cross-Collateralization: Include when multiple loans or securities are involved

6. Redraw Facility: Include if the loan offers redraw capabilities

7. Offset Account: Include if an offset account facility is provided

8. Variable Rate Terms: Include for variable rate loans with specific adjustment mechanisms

1. Schedule 1 - Loan Details: Key financial terms including loan amount, interest rate, and fees

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

3. Schedule 3 - Repayment Schedule: Detailed payment schedule and calculations

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

5. Schedule 5 - Direct Debit Request: Direct debit authorization and bank account details

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

7. Appendix A - Credit Guide: Mandatory credit guide as required by NCCP Act

8. Appendix B - Information Statement: Statutory information statement required under National Credit Code