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Total Cost (Number of Years) Total Cost includes interest over the loan term eg, 5 years, plus all monthly fees, annual fees, application fees and discharge fees. Specifically it does not include any break fees and government fees. If the loan is for construction purpose, the application fee includes construction fees.

Total Cost includes interest over the loan term eg, 5 years, plus all monthly fees, annual fees, application fees and discharge fees. Specifically it does not include any break fees and government fees. If the loan is for construction purpose, the application fee includes construction fees.

Popular Home Loans

Lender	Product Name	VARIABLE	Comparison Rate	INTRO		FIXED RATES			Initial Monthly Payment	Total Cost At 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 15 years 20 years 25 years 30 years	Refund Up To
Lender	Product Name	VARIABLE	Comparison Rate	Intro Rate	Term (months)	2 Yr	3 Yr	5 Yr	Initial Monthly Payment		Refund Up To
	SmartSaver Fixed (P & I) - Owner Occupied	4.02	4.05	4.02	0	4.35	4.48	4.70	0.00	$495	$0
	SmartSaver Variable (P & I) - Investment	3.82	3.85	3.82	0	-	-	-	0.00	$495	$0
	SmartSaver Variable (P & I) - Owner Occupied	4.02	4.05	4.02	0	-	-	-	0.00	$495	$0
	SmartFix Fixed (Interest Only) - Investment	4.12	4.33	4.12	0	4.24	4.24	4.74	0.00	$495	$0
	SmartSaver Fixed (Interest Only) - Owner Occupied	4.02	4.05	4.02	0	4.35	4.48	4.79	0.00	$495	$0
	SmartSaver Variable (Interest Only) - Investment	4.27	4.30	4.27	0	-	-	-	0.00	$495	$0
	SmartFix Fixed (P & I) - Investment	4.12	4.33	4.12	0	4.45	4.58	4.80	0.00	$495	$0
	SmartSaver Fixed (Interest Only) - Investment	4.12	4.15	4.12	0	4.64	4.69	5.09	0.00	$495	$0
	SmartFit Variable (Interest Only) - Investment	4.27	4.48	4.27	0	-	-	-	0.00	$495	$0
	SmartFit Variable (Interest Only) - Owner Occupied	4.27	4.48	4.27	0	-	-	-	0.00	$495	$0
	SmartSaver Fixed (P & I) - Investment	4.12	4.15	4.12	0	4.45	4.58	4.80	0.00	$495	$0
	SmartSaver Variable (Interest Only) - Owner Occupied	4.27	4.30	4.27	0	-	-	-	0.00	$495	$0
	SmartFix Fixed (P & I) - Owner Occupied	4.02	4.23	4.02	0	4.35	4.48	4.70	0.00	$495	$0
	SmartFit Variable (P & I) - Owner Occupied	4.02	4.23	4.02	0	-	-	-	0.00	$495	$0
	SmartFix Fixed (Interest Only) - Owner Occupied	4.02	4.23	4.02	0	4.35	4.48	4.79	0.00	$495	$0
	SmartFit Variable (P & I) - Investment	3.82	4.03	3.82	0	-	-	-	0.00	$495	$0
Lender	Product Name	VARIABLE	Comparison Rate	INTRO		FIXED RATES			Initial Monthly Payment	Total Cost	Refund Up To
Lender	Product Name	VARIABLE	Comparison Rate	Intro Rate	Term (months)	2 Yr	3 Yr	5 Yr	Initial Monthly Payment	Total Cost	Refund Up To

Lender	Product Name	Redraw	Redraw Fee	100% Offset
	SmartSaver Fixed (P & I) - Owner Occupied		0.00
	SmartSaver Variable (P & I) - Investment		0.00
	SmartSaver Variable (P & I) - Owner Occupied		0.00
	SmartFix Fixed (Interest Only) - Investment		25.00
	SmartSaver Fixed (Interest Only) - Owner Occupied		0.00
	SmartSaver Variable (Interest Only) - Investment		0.00
	SmartFix Fixed (P & I) - Investment		25.00
	SmartSaver Fixed (Interest Only) - Investment		0.00
	SmartFit Variable (Interest Only) - Investment		25.00
	SmartFit Variable (Interest Only) - Owner Occupied		25.00
	SmartSaver Fixed (P & I) - Investment		0.00
	SmartSaver Variable (Interest Only) - Owner Occupied		0.00
	SmartFix Fixed (P & I) - Owner Occupied		25.00
	SmartFit Variable (P & I) - Owner Occupied		25.00
	SmartFix Fixed (Interest Only) - Owner Occupied		25.00
	SmartFit Variable (P & I) - Investment		25.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	SmartSaver Fixed (P & I) - Owner Occupied	495.00	0.00	0.00	325.00
	SmartSaver Variable (P & I) - Investment	495.00	0.00	0.00	325.00
	SmartSaver Variable (P & I) - Owner Occupied	495.00	0.00	0.00	325.00
	SmartFix Fixed (Interest Only) - Investment	495.00	0.00	15.00	325.00
	SmartSaver Fixed (Interest Only) - Owner Occupied	495.00	0.00	0.00	325.00
	SmartSaver Variable (Interest Only) - Investment	495.00	0.00	0.00	325.00
	SmartFix Fixed (P & I) - Investment	495.00	0.00	15.00	325.00
	SmartSaver Fixed (Interest Only) - Investment	495.00	0.00	0.00	325.00
	SmartFit Variable (Interest Only) - Investment	495.00	0.00	15.00	325.00
	SmartFit Variable (Interest Only) - Owner Occupied	495.00	0.00	15.00	325.00
	SmartSaver Fixed (P & I) - Investment	495.00	0.00	0.00	325.00
	SmartSaver Variable (Interest Only) - Owner Occupied	495.00	0.00	0.00	325.00
	SmartFix Fixed (P & I) - Owner Occupied	495.00	0.00	15.00	325.00
	SmartFit Variable (P & I) - Owner Occupied	495.00	0.00	15.00	325.00
	SmartFix Fixed (Interest Only) - Owner Occupied	495.00	0.00	15.00	325.00
	SmartFit Variable (P & I) - Investment	495.00	0.00	15.00	325.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	SmartSaver Fixed (P & I) - Owner Occupied	10000	30	90
	SmartSaver Variable (P & I) - Investment	10000	30
	SmartSaver Variable (P & I) - Owner Occupied	10000	30	90
	SmartFix Fixed (Interest Only) - Investment	10000	30
	SmartSaver Fixed (Interest Only) - Owner Occupied	10000	30	80
	SmartSaver Variable (Interest Only) - Investment	10000	30
	SmartFix Fixed (P & I) - Investment	10000	30
	SmartSaver Fixed (Interest Only) - Investment	10000	30
	SmartFit Variable (Interest Only) - Investment	10000	30	80
	SmartFit Variable (Interest Only) - Owner Occupied	10000	30	80
	SmartSaver Fixed (P & I) - Investment	10000	30
	SmartSaver Variable (Interest Only) - Owner Occupied	10000	30	80
	SmartFix Fixed (P & I) - Owner Occupied	10000	30
	SmartFit Variable (P & I) - Owner Occupied	10000	30	90
	SmartFix Fixed (Interest Only) - Owner Occupied	10000	30
	SmartFit Variable (P & I) - Investment	10000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	SmartSaver Fixed (P & I) - Owner Occupied	$0.00	$0.00
	SmartSaver Variable (P & I) - Investment	$0.00	$0.00
	SmartSaver Variable (P & I) - Owner Occupied	$0.00	$0.00
	SmartFix Fixed (Interest Only) - Investment	$0.00	$0.00
	SmartSaver Fixed (Interest Only) - Owner Occupied	$0.00	$0.00
	SmartSaver Variable (Interest Only) - Investment	$0.00	$0.00
	SmartFix Fixed (P & I) - Investment	$0.00	$0.00
	SmartSaver Fixed (Interest Only) - Investment	$0.00	$0.00
	SmartFit Variable (Interest Only) - Investment	$0.00	$0.00
	SmartFit Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	SmartSaver Fixed (P & I) - Investment	$0.00	$0.00
	SmartSaver Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	SmartFix Fixed (P & I) - Owner Occupied	$0.00	$0.00
	SmartFit Variable (P & I) - Owner Occupied	$0.00	$0.00
	SmartFix Fixed (Interest Only) - Owner Occupied	$0.00	$0.00
	SmartFit Variable (P & I) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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