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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
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	2.99	3.40	4.39	0	-	-	-	2,000.68	$-400,000	$1,025
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	2.72	2.72	3.74	0	-	-	-	1,850.19	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	3.84	4.23	5.24	0	-	-	-	2,206.34	$-400,000	$1,025
	Breakfree Interest in Advance Fixed (Standard Discount) - Investment	4.64	5.01	5.24	0	2.59	2.59	3.09	2,206.34	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (P & I) - Investment	3.59	3.99	4.99	0	2.64	3.14	7.69	2,144.84	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	3.84	4.23	5.24	0	2.84	3.34	7.69	2,206.34	$-400,000	$1,025
	Simplicity PLUS Variable (P & I) - Owner Occupied	3.74	3.74	3.74	0	-	-	-	1,850.19	$-400,000	$1,025
	Breakfree Variable (Standard Discount) (Interest Only) - Investment	3.84	4.23	4.04	0	-	-	-	1,918.90	$-400,000	$1,025
	Breakfree Equity Manager Variable (Standard Discount) - Owner Occupied	4.61	4.98	6.01	0	-	-	-	2,400.77	$-400,000	$1,025
	Breakfree Variable (Standard Discount) (P & I) - Owner Occupied	2.99	3.40	3.19	0	-	-	-	1,727.68	$-400,000	$1,025
	Simplicity PLUS Variable Special Offer (Interest Only) - Investment	3.32	3.32	3.73	0	-	-	-	1,847.93	$-400,000	$1,025
	Simplicity PLUS Variable (P & I) - Investment	3.74	3.74	3.74	0	-	-	-	1,850.19	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	2.99	3.40	4.39	0	2.24	2.44	7.69	2,000.68	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (P & I) - Investment	3.59	3.99	4.99	0	-	-	-	2,144.84	$-400,000	$1,025
	Simplicity PLUS Variable (Interest Only) - Investment	3.73	3.73	3.73	0	-	-	-	1,847.93	$-400,000	$1,025
	Breakfree Variable (Standard Discount) (Interest Only) - Owner Occupied	3.54	3.94	3.74	0	-	-	-	1,850.19	$-400,000	$1,025
	Breakfree Variable (Standard Discount) (P & I) - Investment	3.59	3.99	3.79	0	-	-	-	1,861.55	$-400,000	$1,025
	Simplicity PLUS Variable Special Offer (P & I) - Investment	3.12	3.12	3.74	0	-	-	-	1,850.19	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	3.54	3.94	4.94	0	3.78	3.98	7.64	2,132.64	$-400,000	$1,025
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	3.54	3.94	4.94	0	-	-	-	2,132.64	$-400,000	$1,025
	Breakfree Equity Manager Variable (Standard Discount) - Investment	4.61	4.98	6.01	0	-	-	-	2,400.77	$-400,000	$1,025
	Standard Fixed (P & I) - Owner Occupied	4.39	4.66	4.39	0	-	-	-	2,000.68	$-399,400	$1,025
	Standard Fixed (Interest Only) - Owner Occupied	4.94	5.21	4.94	0	-	-	-	2,132.64	$-399,400	$1,025
	Standard Variable (P & I) - Owner Occupied	4.39	4.61	4.39	0	-	-	-	2,000.68	$-399,400	$1,025
	Standard Variable (P & I) - Investment	4.99	5.20	4.99	0	-	-	-	2,144.84	$-399,400	$1,025
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
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied		0.00
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied		0.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment		0.00
	Breakfree Interest in Advance Fixed (Standard Discount) - Investment		0.00
	Breakfree Fixed (Standard Discount) (P & I) - Investment		0.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment		0.00
	Simplicity PLUS Variable (P & I) - Owner Occupied		0.00
	Breakfree Variable (Standard Discount) (Interest Only) - Investment		0.00
	Breakfree Equity Manager Variable (Standard Discount) - Owner Occupied		0.00
	Breakfree Variable (Standard Discount) (P & I) - Owner Occupied		0.00
	Simplicity PLUS Variable Special Offer (Interest Only) - Investment		0.00
	Simplicity PLUS Variable (P & I) - Investment		0.00
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied		0.00
	Breakfree Fixed (Standard Discount) (P & I) - Investment		0.00
	Simplicity PLUS Variable (Interest Only) - Investment		0.00
	Breakfree Variable (Standard Discount) (Interest Only) - Owner Occupied		0.00
	Breakfree Variable (Standard Discount) (P & I) - Investment		0.00
	Simplicity PLUS Variable Special Offer (P & I) - Investment		0.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied		0.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied		0.00
	Breakfree Equity Manager Variable (Standard Discount) - Investment		0.00
	Standard Fixed (P & I) - Owner Occupied		0.00
	Standard Fixed (Interest Only) - Owner Occupied		0.00
	Standard Variable (P & I) - Owner Occupied		0.00
	Standard Variable (P & I) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	0.00	395.00	0.00	160.00
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	0.00	0.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	0.00	395.00	0.00	160.00
	Breakfree Interest in Advance Fixed (Standard Discount) - Investment	0.00	395.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (P & I) - Investment	0.00	395.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	0.00	395.00	0.00	160.00
	Simplicity PLUS Variable (P & I) - Owner Occupied	0.00	0.00	0.00	160.00
	Breakfree Variable (Standard Discount) (Interest Only) - Investment	0.00	395.00	0.00	160.00
	Breakfree Equity Manager Variable (Standard Discount) - Owner Occupied	0.00	395.00	0.00	160.00
	Breakfree Variable (Standard Discount) (P & I) - Owner Occupied	0.00	395.00	0.00	160.00
	Simplicity PLUS Variable Special Offer (Interest Only) - Investment	0.00	0.00	0.00	160.00
	Simplicity PLUS Variable (P & I) - Investment	0.00	0.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	0.00	395.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (P & I) - Investment	0.00	395.00	0.00	160.00
	Simplicity PLUS Variable (Interest Only) - Investment	0.00	0.00	0.00	160.00
	Breakfree Variable (Standard Discount) (Interest Only) - Owner Occupied	0.00	395.00	0.00	160.00
	Breakfree Variable (Standard Discount) (P & I) - Investment	0.00	395.00	0.00	160.00
	Simplicity PLUS Variable Special Offer (P & I) - Investment	0.00	0.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	0.00	395.00	0.00	160.00
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	0.00	395.00	0.00	160.00
	Breakfree Equity Manager Variable (Standard Discount) - Investment	0.00	395.00	0.00	160.00
	Standard Fixed (P & I) - Owner Occupied	600.00	0.00	20.00	160.00
	Standard Fixed (Interest Only) - Owner Occupied	600.00	0.00	20.00	160.00
	Standard Variable (P & I) - Owner Occupied	600.00	0.00	15.00	160.00
	Standard Variable (P & I) - Investment	600.00	0.00	15.00	160.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	150000	30	92
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	50000	30	80
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	150000	30	80
	Breakfree Interest in Advance Fixed (Standard Discount) - Investment	150000	30	80
	Breakfree Fixed (Standard Discount) (P & I) - Investment	150000	30	80
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	150000	30	80
	Simplicity PLUS Variable (P & I) - Owner Occupied	50000	30
	Breakfree Variable (Standard Discount) (Interest Only) - Investment	150000	30	80
	Breakfree Equity Manager Variable (Standard Discount) - Owner Occupied	150000	30	80
	Breakfree Variable (Standard Discount) (P & I) - Owner Occupied	150000	30	92
	Simplicity PLUS Variable Special Offer (Interest Only) - Investment	50000	30	90
	Simplicity PLUS Variable (P & I) - Investment	50000	30
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	150000	30	80
	Breakfree Fixed (Standard Discount) (P & I) - Investment	150000	30	80
	Simplicity PLUS Variable (Interest Only) - Investment	50000	30
	Breakfree Variable (Standard Discount) (Interest Only) - Owner Occupied	150000	30	80
	Breakfree Variable (Standard Discount) (P & I) - Investment	150000	30	80
	Simplicity PLUS Variable Special Offer (P & I) - Investment	50000	30	90
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	150000	30	80
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	150000	30	80
	Breakfree Equity Manager Variable (Standard Discount) - Investment	150000	30	80
	Standard Fixed (P & I) - Owner Occupied	20000	30	80
	Standard Fixed (Interest Only) - Owner Occupied	20000	30
	Standard Variable (P & I) - Owner Occupied	20000	30
	Standard Variable (P & I) - Investment	20000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	$1,024.65	$731.89
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	$1,024.65	$731.89
	Breakfree Interest in Advance Fixed (Standard Discount) - Investment	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (P & I) - Investment	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (Interest Only) - Investment	$1,024.65	$731.89
	Simplicity PLUS Variable (P & I) - Owner Occupied	$1,024.65	$731.89
	Breakfree Variable (Standard Discount) (Interest Only) - Investment	$1,024.65	$731.89
	Breakfree Equity Manager Variable (Standard Discount) - Owner Occupied	$1,024.65	$731.89
	Breakfree Variable (Standard Discount) (P & I) - Owner Occupied	$1,024.65	$731.89
	Simplicity PLUS Variable Special Offer (Interest Only) - Investment	$1,024.65	$731.89
	Simplicity PLUS Variable (P & I) - Investment	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (P & I) - Investment	$1,024.65	$731.89
	Simplicity PLUS Variable (Interest Only) - Investment	$1,024.65	$731.89
	Breakfree Variable (Standard Discount) (Interest Only) - Owner Occupied	$1,024.65	$731.89
	Breakfree Variable (Standard Discount) (P & I) - Investment	$1,024.65	$731.89
	Simplicity PLUS Variable Special Offer (P & I) - Investment	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	$1,024.65	$731.89
	Breakfree Fixed (Standard Discount) (Interest Only) - Owner Occupied	$1,024.65	$731.89
	Breakfree Equity Manager Variable (Standard Discount) - Investment	$1,024.65	$731.89
	Standard Fixed (P & I) - Owner Occupied	$1,024.65	$731.89
	Standard Fixed (Interest Only) - Owner Occupied	$1,024.65	$731.89
	Standard Variable (P & I) - Owner Occupied	$1,024.65	$731.89
	Standard Variable (P & I) - Investment	$1,024.65	$731.89
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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