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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

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.

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
	Professional Package Fixed (P & I) - Investment	2.49	2.88	3.61	0	2.49	2.49	-	1,820.83	$-399,705	$1,158
	Basic Package Variable (Interest Only) - Investment	2.99	3.01	2.99	0	-	-	-	1,684.26	$-399,705	$1,158
	Basic Package Variable (P & I) - Owner Occupied	2.49	2.51	2.89	0	-	-	-	1,662.78	$-399,705	$1,158
	Professional Package (Construction) (Interest Only) - Owner Occupied	3.60	3.97	3.60	0	-	-	-	1,818.58	$-399,705	$1,158
	Professional Package Variable (P & I) - Investment	2.49	2.88	3.61	0	-	-	-	1,820.83	$-399,705	$1,158
	Professional Package Variable (Interest Only) - Owner Occupied	3.60	3.97	3.60	0	-	-	-	1,818.58	$-399,705	$1,158
	Essential Home Loan (P & I) - Owner Occupied	2.22	2.24	4.00	0	-	-	-	1,909.66	$-399,705	$1,158
	Professional Package Fixed (Interest Only) - Owner Occupied	3.60	3.97	3.60	0	3.49	2.95	-	1,818.58	$-399,705	$1,158
	Basic Package Fixed (P & I) - Owner Occupied	2.49	2.51	2.89	0	2.04	2.34	-	1,662.78	$-399,705	$1,158
	Basic Package Variable (P & I) - Investment	2.74	2.76	3.27	0	-	-	-	1,745.22	$-399,705	$1,158
	Professional Package Line of Credit - Investment	2.99	3.37	3.69	0	-	-	-	1,838.87	$-399,705	$1,158
	Professional Package Fixed (P & I) - Owner Occupied	2.29	2.69	2.89	0	2.04	2.34	-	1,662.78	$-399,705	$1,158
	Professional Package Variable (P & I) - Owner Occupied	2.29	2.69	2.89	0	-	-	-	1,662.78	$-399,705	$1,158
	Basic Package (Construction) (Interest Only) - Owner Occupied	2.99	3.26	2.99	0	-	-	-	1,684.26	$-399,705	$1,158
	Essential Home Loan (P & I) - Investment	4.59	4.61	4.59	0	-	-	-	2,048.19	$-399,705	$1,158
	Professional Package (Construction) (Interest Only) - Investment	2.79	3.18	3.33	0	-	-	-	1,758.44	$-399,705	$1,158
	Basic Package Fixed (Interest Only) - Investment	2.99	3.01	2.99	0	2.54	2.59	-	1,684.26	$-399,705	$1,158
	Professional Package Variable Special (Interest Only) - Investment	2.98	3.36	2.98	0	-	-	-	1,682.10	$-399,705	$1,158
	Basic Package Variable (Interest Only) - Owner Occupied	2.99	3.01	2.99	0	-	-	-	1,684.26	$-399,705	$1,158
	Basic Package Fixed (P & I) - Investment	2.74	2.76	3.27	0	2.50	2.60	-	1,745.22	$-399,705	$1,158
	Basic Package (Construction) (Interest Only) - Investment	2.99	3.26	2.99	0	-	-	-	1,684.26	$-399,705	$1,158
	Basic Package Fixed (Interest Only) - Owner Occupied	2.99	3.01	2.99	0	4.63	4.79	-	1,684.26	$-399,705	$1,158
	Professional Package Line of Credit - Owner Occupied	3.80	4.16	3.80	0	-	-	-	1,863.83	$-399,705	$1,158
	Professional Package Variable (Interest Only) - Investment	2.79	3.18	3.33	0	-	-	-	1,758.44	$-399,705	$1,158
	Professional Package Fixed (Interest Only) - Investment	2.79	3.18	3.33	0	2.44	2.49	-	1,758.44	$-399,705	$1,158
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
	Professional Package Fixed (P & I) - Investment		0.00
	Basic Package Variable (Interest Only) - Investment		0.00
	Basic Package Variable (P & I) - Owner Occupied		0.00
	Professional Package (Construction) (Interest Only) - Owner Occupied		0.00
	Professional Package Variable (P & I) - Investment		0.00
	Professional Package Variable (Interest Only) - Owner Occupied		0.00
	Essential Home Loan (P & I) - Owner Occupied		0.00
	Professional Package Fixed (Interest Only) - Owner Occupied		0.00
	Basic Package Fixed (P & I) - Owner Occupied		0.00
	Basic Package Variable (P & I) - Investment		0.00
	Professional Package Line of Credit - Investment		0.00
	Professional Package Fixed (P & I) - Owner Occupied		0.00
	Professional Package Variable (P & I) - Owner Occupied		0.00
	Basic Package (Construction) (Interest Only) - Owner Occupied		0.00
	Essential Home Loan (P & I) - Investment		0.00
	Professional Package (Construction) (Interest Only) - Investment		0.00
	Basic Package Fixed (Interest Only) - Investment		0.00
	Professional Package Variable Special (Interest Only) - Investment		0.00
	Basic Package Variable (Interest Only) - Owner Occupied		0.00
	Basic Package Fixed (P & I) - Investment		0.00
	Basic Package (Construction) (Interest Only) - Investment		0.00
	Basic Package Fixed (Interest Only) - Owner Occupied		0.00
	Professional Package Line of Credit - Owner Occupied		0.00
	Professional Package Variable (Interest Only) - Investment		0.00
	Professional Package Fixed (Interest Only) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Professional Package Fixed (P & I) - Investment	295.00	349.00	0.00	350.00
	Basic Package Variable (Interest Only) - Investment	295.00	0.00	0.00	390.00
	Basic Package Variable (P & I) - Owner Occupied	295.00	0.00	0.00	390.00
	Professional Package (Construction) (Interest Only) - Owner Occupied	295.00	349.00	0.00	390.00
	Professional Package Variable (P & I) - Investment	295.00	349.00	0.00	390.00
	Professional Package Variable (Interest Only) - Owner Occupied	295.00	349.00	0.00	390.00
	Essential Home Loan (P & I) - Owner Occupied	295.00	0.00	0.00	390.00
	Professional Package Fixed (Interest Only) - Owner Occupied	295.00	349.00	0.00	390.00
	Basic Package Fixed (P & I) - Owner Occupied	295.00	0.00	0.00	390.00
	Basic Package Variable (P & I) - Investment	295.00	0.00	0.00	390.00
	Professional Package Line of Credit - Investment	295.00	349.00	0.00	390.00
	Professional Package Fixed (P & I) - Owner Occupied	295.00	349.00	0.00	390.00
	Professional Package Variable (P & I) - Owner Occupied	295.00	349.00	0.00	390.00
	Basic Package (Construction) (Interest Only) - Owner Occupied	295.00	0.00	20.00	390.00
	Essential Home Loan (P & I) - Investment	295.00	0.00	0.00	390.00
	Professional Package (Construction) (Interest Only) - Investment	295.00	349.00	0.00	390.00
	Basic Package Fixed (Interest Only) - Investment	295.00	0.00	0.00	390.00
	Professional Package Variable Special (Interest Only) - Investment	295.00	349.00	0.00	390.00
	Basic Package Variable (Interest Only) - Owner Occupied	295.00	0.00	0.00	390.00
	Basic Package Fixed (P & I) - Investment	295.00	0.00	0.00	390.00
	Basic Package (Construction) (Interest Only) - Investment	295.00	0.00	20.00	390.00
	Basic Package Fixed (Interest Only) - Owner Occupied	295.00	0.00	0.00	350.00
	Professional Package Line of Credit - Owner Occupied	295.00	349.00	0.00	390.00
	Professional Package Variable (Interest Only) - Investment	295.00	349.00	0.00	390.00
	Professional Package Fixed (Interest Only) - Investment	295.00	349.00	0.00	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
	Professional Package Fixed (P & I) - Investment	100000	30	80
	Basic Package Variable (Interest Only) - Investment	40000	30	60
	Basic Package Variable (P & I) - Owner Occupied	40000	30	60
	Professional Package (Construction) (Interest Only) - Owner Occupied	100000	30	90
	Professional Package Variable (P & I) - Investment	100000	30	60
	Professional Package Variable (Interest Only) - Owner Occupied	100000	30	80
	Essential Home Loan (P & I) - Owner Occupied	40000	30	90
	Professional Package Fixed (Interest Only) - Owner Occupied	100000	30	80
	Basic Package Fixed (P & I) - Owner Occupied	40000	30	90
	Basic Package Variable (P & I) - Investment	40000	30	90
	Professional Package Line of Credit - Investment	100000	30	80
	Professional Package Fixed (P & I) - Owner Occupied	100000	30	80
	Professional Package Variable (P & I) - Owner Occupied	100000	30	90
	Basic Package (Construction) (Interest Only) - Owner Occupied	40000	30
	Essential Home Loan (P & I) - Investment	40000	30
	Professional Package (Construction) (Interest Only) - Investment	100000	30	60
	Basic Package Fixed (Interest Only) - Investment	40000	30	60
	Professional Package Variable Special (Interest Only) - Investment	100000	30	80
	Basic Package Variable (Interest Only) - Owner Occupied	40000	30	80
	Basic Package Fixed (P & I) - Investment	40000	30	90
	Basic Package (Construction) (Interest Only) - Investment	40000	30
	Basic Package Fixed (Interest Only) - Owner Occupied	40000	30
	Professional Package Line of Credit - Owner Occupied	100000	30	80
	Professional Package Variable (Interest Only) - Investment	100000	30	80
	Professional Package Fixed (Interest Only) - Investment	100000	30	80
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Professional Package Fixed (P & I) - Investment	$1,158.30	$827.36
	Basic Package Variable (Interest Only) - Investment	$1,158.30	$827.36
	Basic Package Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Professional Package (Construction) (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Professional Package Variable (P & I) - Investment	$1,158.30	$827.36
	Professional Package Variable (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Essential Home Loan (P & I) - Owner Occupied	$1,158.30	$827.36
	Professional Package Fixed (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Basic Package Fixed (P & I) - Owner Occupied	$1,158.30	$827.36
	Basic Package Variable (P & I) - Investment	$1,158.30	$827.36
	Professional Package Line of Credit - Investment	$1,158.30	$827.36
	Professional Package Fixed (P & I) - Owner Occupied	$1,158.30	$827.36
	Professional Package Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Basic Package (Construction) (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Essential Home Loan (P & I) - Investment	$1,158.30	$827.36
	Professional Package (Construction) (Interest Only) - Investment	$1,158.30	$827.36
	Basic Package Fixed (Interest Only) - Investment	$1,158.30	$827.36
	Professional Package Variable Special (Interest Only) - Investment	$1,158.30	$827.36
	Basic Package Variable (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Basic Package Fixed (P & I) - Investment	$1,158.30	$827.36
	Basic Package (Construction) (Interest Only) - Investment	$1,158.30	$827.36
	Basic Package Fixed (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Professional Package Line of Credit - Owner Occupied	$1,158.30	$827.36
	Professional Package Variable (Interest Only) - Investment	$1,158.30	$827.36
	Professional Package Fixed (Interest Only) - Investment	$1,158.30	$827.36
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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