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

2. Construction Provisions: Required for construction loans or when property is under development

3. Cross-Collateralization: When multiple properties secure the same loan

4. Variable Rate Terms: Specific provisions for variable rate loans

5. Redraw Facility: Terms for accessing additional funds from advance payments

6. Electronic Communication Consent: Terms for electronic notices and communications

7. Foreign Investment Declarations: Required for foreign borrowers under FIRB regulations

1. Schedule 1 - Property Description: Detailed legal description of the property including lot number, plan, title reference

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

3. Schedule 3 - Special Conditions: Any special or additional conditions specific to this mortgage

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

5. Appendix A - Fee Schedule: List of applicable fees and charges

6. Appendix B - Variable Rate Calculation Method: For variable rate loans, details of how rate changes are calculated

7. Appendix C - Required Property Maintenance Standards: Specific requirements for property maintenance and upkeep