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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.

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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
	Classic Variable (Interest Only) - Owner Occupied	6.18	6.35	6.18	0	-	-	-	0.00	$895	$0
	Business Classic Variable (Interest Only) - Investment	6.69	6.86	6.69	0	-	-	-	0.00	$895	$0
	Business Classic Fixed (Interest Only) - Investment	6.69	6.86	6.69	0	5.37	5.37	-	0.00	$895	$0
	Classic Intro Variable (P & I) - Investment	6.64	6.81	6.64	0	-	-	-	0.00	$895	$0
	Classic Variable (Interest Only) - Investment	6.69	6.86	6.69	0	-	-	-	0.00	$895	$0
	Land Loan Variable (Interest Only) - Investment	7.09	7.16	7.09	0	-	-	-	0.00	$895	$0
	Business Classic Line of Credit - Investment	6.89	7.06	6.89	0	-	-	-	0.00	$895	$0
	Business Classic Variable (P & I) - Investment	6.64	6.81	6.64	0	-	-	-	0.00	$895	$0
	Construction Loan Variable - Owner Occupied	6.40	6.57	6.40	0	-	-	-	0.00	$895	$0
	Classic Variable (P & I) - Investment	6.64	6.81	6.64	0	-	-	-	0.00	$895	$0
	Classic Fixed (Interest Only) - Owner Occupied	6.18	6.35	6.18	0	4.90	4.90	-	0.00	$895	$0
	Classic Line of Credit - Investment	6.89	7.06	6.89	0	-	-	-	0.00	$895	$0
	Land Loan Variable (Interest Only) - Owner Occupied	6.30	6.36	6.30	0	-	-	-	0.00	$895	$0
	Classic Variable (P & I) - Owner Occupied	5.58	5.75	5.58	0	-	-	-	0.00	$895	$0
	Classic Line of Credit - Owner Occupied	6.38	6.55	6.38	0	-	-	-	0.00	$895	$0
	Land Loan Variable (P & I) - Owner Occupied	5.58	5.64	5.58	0	-	-	-	0.00	$895	$0
	Classic Fixed (P & I) - Investment	6.64	6.81	6.64	0	5.17	5.17	-	0.00	$895	$0
	Classic Fixed (P & I) - Owner Occupied	5.58	5.75	5.58	0	4.60	4.60	-	0.00	$895	$0
	Land Loan Variable (P & I) - Investment	6.64	6.71	6.64	0	-	-	-	0.00	$895	$0
	Classic Intro Variable (Interest Only) - Owner Occupied	6.18	6.35	6.18	0	-	-	-	0.00	$895	$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
	Classic Variable (Interest Only) - Owner Occupied		0.00
	Business Classic Variable (Interest Only) - Investment		0.00
	Business Classic Fixed (Interest Only) - Investment		0.00
	Classic Intro Variable (P & I) - Investment		0.00
	Classic Variable (Interest Only) - Investment		0.00
	Land Loan Variable (Interest Only) - Investment		0.00
	Business Classic Line of Credit - Investment		0.00
	Business Classic Variable (P & I) - Investment		0.00
	Construction Loan Variable - Owner Occupied		0.00
	Classic Variable (P & I) - Investment		0.00
	Classic Fixed (Interest Only) - Owner Occupied		0.00
	Classic Line of Credit - Investment		0.00
	Land Loan Variable (Interest Only) - Owner Occupied		0.00
	Classic Variable (P & I) - Owner Occupied		0.00
	Classic Line of Credit - Owner Occupied		0.00
	Land Loan Variable (P & I) - Owner Occupied		0.00
	Classic Fixed (P & I) - Investment		0.00
	Classic Fixed (P & I) - Owner Occupied		0.00
	Land Loan Variable (P & I) - Investment		0.00
	Classic Intro Variable (Interest Only) - Owner Occupied		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Classic Variable (Interest Only) - Owner Occupied	895.00	0.00	10.00	350.00
	Business Classic Variable (Interest Only) - Investment	895.00	0.00	10.00	350.00
	Business Classic Fixed (Interest Only) - Investment	895.00	0.00	10.00	350.00
	Classic Intro Variable (P & I) - Investment	895.00	0.00	10.00	350.00
	Classic Variable (Interest Only) - Investment	895.00	0.00	10.00	350.00
	Land Loan Variable (Interest Only) - Investment	895.00	0.00	0.00	350.00
	Business Classic Line of Credit - Investment	895.00	0.00	10.00	350.00
	Business Classic Variable (P & I) - Investment	895.00	0.00	10.00	350.00
	Construction Loan Variable - Owner Occupied	895.00	0.00	10.00	350.00
	Classic Variable (P & I) - Investment	895.00	0.00	10.00	350.00
	Classic Fixed (Interest Only) - Owner Occupied	895.00	0.00	10.00	350.00
	Classic Line of Credit - Investment	895.00	0.00	10.00	350.00
	Land Loan Variable (Interest Only) - Owner Occupied	895.00	0.00	0.00	350.00
	Classic Variable (P & I) - Owner Occupied	895.00	0.00	10.00	350.00
	Classic Line of Credit - Owner Occupied	895.00	0.00	10.00	350.00
	Land Loan Variable (P & I) - Owner Occupied	895.00	0.00	0.00	350.00
	Classic Fixed (P & I) - Investment	895.00	0.00	10.00	350.00
	Classic Fixed (P & I) - Owner Occupied	895.00	0.00	10.00	350.00
	Land Loan Variable (P & I) - Investment	895.00	0.00	0.00	350.00
	Classic Intro Variable (Interest Only) - Owner Occupied	895.00	0.00	10.00	350.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Classic Variable (Interest Only) - Owner Occupied	40000	30
	Business Classic Variable (Interest Only) - Investment	40000	30
	Business Classic Fixed (Interest Only) - Investment	40000	30
	Classic Intro Variable (P & I) - Investment	40000	30
	Classic Variable (Interest Only) - Investment	40000	30
	Land Loan Variable (Interest Only) - Investment	40000	30
	Business Classic Line of Credit - Investment	40000	30
	Business Classic Variable (P & I) - Investment	40000	30
	Construction Loan Variable - Owner Occupied	40000	30
	Classic Variable (P & I) - Investment	40000	30
	Classic Fixed (Interest Only) - Owner Occupied	40000	30
	Classic Line of Credit - Investment	40000	30
	Land Loan Variable (Interest Only) - Owner Occupied	40000	30
	Classic Variable (P & I) - Owner Occupied	40000	30
	Classic Line of Credit - Owner Occupied	40000	30
	Land Loan Variable (P & I) - Owner Occupied	40000	30
	Classic Fixed (P & I) - Investment	40000	30
	Classic Fixed (P & I) - Owner Occupied	40000	30
	Land Loan Variable (P & I) - Investment	40000	30
	Classic Intro Variable (Interest Only) - Owner Occupied	40000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Classic Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Business Classic Variable (Interest Only) - Investment	$0.00	$0.00
	Business Classic Fixed (Interest Only) - Investment	$0.00	$0.00
	Classic Intro Variable (P & I) - Investment	$0.00	$0.00
	Classic Variable (Interest Only) - Investment	$0.00	$0.00
	Land Loan Variable (Interest Only) - Investment	$0.00	$0.00
	Business Classic Line of Credit - Investment	$0.00	$0.00
	Business Classic Variable (P & I) - Investment	$0.00	$0.00
	Construction Loan Variable - Owner Occupied	$0.00	$0.00
	Classic Variable (P & I) - Investment	$0.00	$0.00
	Classic Fixed (Interest Only) - Owner Occupied	$0.00	$0.00
	Classic Line of Credit - Investment	$0.00	$0.00
	Land Loan Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Classic Variable (P & I) - Owner Occupied	$0.00	$0.00
	Classic Line of Credit - Owner Occupied	$0.00	$0.00
	Land Loan Variable (P & I) - Owner Occupied	$0.00	$0.00
	Classic Fixed (P & I) - Investment	$0.00	$0.00
	Classic Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Land Loan Variable (P & I) - Investment	$0.00	$0.00
	Classic Intro Variable (Interest Only) - Owner Occupied	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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