Disclaimer: "The pricing presented is to be used for indicative purposes only and may not reflect the actual fixed-rate or financing ratios offered at the time of a formalized mortgage offer. THFL fixed-rate pricing is quoted for the duration of the initial 5-year period of the mortgage and is subject to change as a result of KIBOR (OFFER) or spread adjustments. Credit risk groups 1, 2 and 3 (decreasing order of credit worthiness) are determined using Trellis Housing Finance Limited internal determinations and are subject to change. The financing ratios presented are the maximum available assuming a Purchase product is being financed and is for illustrative purposes only. Trellis Housing Finance Limited is a licensed Housing Finance Company regulated under the Securities Exchange Commission of Pakistan NBFC."