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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
	Flexible Home Loan Fixed (Member Package) (Interest In Advance) - Investment	4.96	5.35	4.96	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment	4.36	4.76	4.36	0	2.49	2.49	2.99	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Investment	4.96	5.35	4.96	0	2.89	2.89	3.39	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Variable (Member Package) (Interest Only) - Investment	4.96	5.35	4.96	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Owner Occupied	4.71	5.10	4.71	0	3.49	3.69	3.89	0.00	$310	$0
	Flexible Home Loan Variable (Member Package) (Interest Only) - Owner Occupied	4.71	5.10	4.71	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Variable (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Variable (Member Package) (P & I) - Investment	4.36	4.76	4.36	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	5.59	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	4.46	4.86	4.46	0	-	-	-	0.00	$310	$0
	Flexible Home Loan Fixed (P & I) - Owner Occupied	4.61	4.64	4.61	0	-	-	-	0.00	$510	$0
	Basic Home Loan Variable (P & I) - Investment	3.45	3.48	3.45	0	-	-	-	0.00	$510	$0
	Basic Home Loan Variable (Interest Only) - Owner Occupied	4.17	4.20	4.17	0	-	-	-	0.00	$510	$0
	Basic Home Loan Variable (P & I) - Owner Occupied	4.46	4.49	4.46	0	-	-	-	0.00	$510	$0
	Flexible Home Loan Fixed (P & I) - Owner Occupied	4.61	4.64	4.61	0	-	-	-	0.00	$510	$0
	Flexible Home Loan Variable (Interest Only) - Investment	6.07	6.11	6.07	0	-	-	-	0.00	$510	$0
	Flexible Home Loan Fixed (P & I) - Owner Occupied	4.61	4.64	4.61	0	-	-	-	0.00	$510	$0
	Flexible Home Loan Fixed (P & I) - Investment	5.37	5.40	5.37	0	2.64	2.64	3.14	0.00	$510	$0
	Flexible Home Loan Variable (Interest Only) - Owner Occupied	5.11	5.14	5.11	0	-	-	-	0.00	$510	$0
	Flexible Home Loan Fixed (P & I) - Owner Occupied	4.61	4.64	4.61	0	-	-	-	0.00	$510	$0
	Flexible Home Loan Fixed (P & I) - Owner Occupied	4.61	4.64	4.61	0	5.74	-	-	0.00	$510	$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
	Flexible Home Loan Fixed (Member Package) (Interest In Advance) - Investment		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment		0.00
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Investment		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Variable (Member Package) (Interest Only) - Investment		0.00
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Owner Occupied		0.00
	Flexible Home Loan Variable (Member Package) (Interest Only) - Owner Occupied		0.00
	Flexible Home Loan Variable (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Variable (Member Package) (P & I) - Investment		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied		0.00
	Basic Home Loan Variable (P & I) - Investment		0.00
	Basic Home Loan Variable (Interest Only) - Owner Occupied		0.00
	Basic Home Loan Variable (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied		0.00
	Flexible Home Loan Variable (Interest Only) - Investment		0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (P & I) - Investment		0.00
	Flexible Home Loan Variable (Interest Only) - Owner Occupied		0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied		0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Flexible Home Loan Fixed (Member Package) (Interest In Advance) - Investment	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Investment	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Variable (Member Package) (Interest Only) - Investment	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Variable (Member Package) (Interest Only) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Variable (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Variable (Member Package) (P & I) - Investment	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	310.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	510.00	0.00	0.00	350.00
	Basic Home Loan Variable (P & I) - Investment	510.00	0.00	0.00	350.00
	Basic Home Loan Variable (Interest Only) - Owner Occupied	510.00	0.00	0.00	350.00
	Basic Home Loan Variable (P & I) - Owner Occupied	510.00	0.00	0.00	350.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	510.00	0.00	0.00	350.00
	Flexible Home Loan Variable (Interest Only) - Investment	510.00	0.00	0.00	350.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	510.00	0.00	0.00	350.00
	Flexible Home Loan Fixed (P & I) - Investment	510.00	0.00	0.00	350.00
	Flexible Home Loan Variable (Interest Only) - Owner Occupied	510.00	0.00	0.00	350.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	510.00	0.00	0.00	350.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	510.00	0.00	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
	Flexible Home Loan Fixed (Member Package) (Interest In Advance) - Investment	40000	30	90
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	40000	30	95
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment	40000	30	80
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Investment	40000	30	90
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	40000	30	90
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	40000	30	90
	Flexible Home Loan Variable (Member Package) (Interest Only) - Investment	40000	30	90
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Owner Occupied	40000	30	80
	Flexible Home Loan Variable (Member Package) (Interest Only) - Owner Occupied	40000	30	80
	Flexible Home Loan Variable (Member Package) (P & I) - Owner Occupied	40000	30	95
	Flexible Home Loan Variable (Member Package) (P & I) - Investment	40000	30	80
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	40000	30	80
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	40000	30	90
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	40000	30	95
	Flexible Home Loan Fixed (P & I) - Owner Occupied	40000	30	95
	Basic Home Loan Variable (P & I) - Investment	40000	30	90
	Basic Home Loan Variable (Interest Only) - Owner Occupied	40000	30	80
	Basic Home Loan Variable (P & I) - Owner Occupied	40000	30	80
	Flexible Home Loan Fixed (P & I) - Owner Occupied	40000	30	80
	Flexible Home Loan Variable (Interest Only) - Investment	40000	30	80
	Flexible Home Loan Fixed (P & I) - Owner Occupied	40000	30	90
	Flexible Home Loan Fixed (P & I) - Investment	40000	30	80
	Flexible Home Loan Variable (Interest Only) - Owner Occupied	40000	30	80
	Flexible Home Loan Fixed (P & I) - Owner Occupied	40000	30	95
	Flexible Home Loan Fixed (P & I) - Owner Occupied	40000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Flexible Home Loan Fixed (Member Package) (Interest In Advance) - Investment	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Investment	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Variable (Member Package) (Interest Only) - Investment	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (Interest Only) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Variable (Member Package) (Interest Only) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Variable (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Variable (Member Package) (P & I) - Investment	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Basic Home Loan Variable (P & I) - Investment	$0.00	$0.00
	Basic Home Loan Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Basic Home Loan Variable (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Variable (Interest Only) - Investment	$0.00	$0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (P & I) - Investment	$0.00	$0.00
	Flexible Home Loan Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Flexible Home Loan Fixed (P & I) - Owner Occupied	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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