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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
	Advantage Package Fixed Loan (IIA) - Investment	5.41	5.77	5.41	0	2.89	2.89	3.39	0.00	$100	$0
	Advantage Package Loan (P&I) - Investment	5.12	5.49	5.12	0	-	-	-	0.00	$100	$0
	Advantage Package Fixed Loan (I/O) - Investment	5.41	5.77	5.41	0	2.69	2.69	2.99	0.00	$100	$0
	Advantage Package Loan (P&I) - Owner Occupied	4.56	4.94	4.56	0	-	-	-	0.00	$100	$0
	Advantage Package Portfolio Loan - Investment	5.98	6.33	5.98	0	-	-	-	0.00	$100	$0
	Advantage Package Fixed Loan (P&I) - Investment	5.12	5.49	5.12	0	2.49	2.49	2.79	0.00	$100	$0
	Advantage Package Loan (I/O) - Owner Occupied	5.15	5.52	5.15	0	-	-	-	0.00	$100	$0
	Advantage Package Loan (I/O) - Investment	4.09	4.48	4.09	0	-	-	-	0.00	$100	$0
	Advantage Package Fixed Loan (I/O) - Owner Occupied	5.15	5.52	5.15	0	3.69	3.69	4.14	0.00	$100	$0
	Advantage Package Portfolio Fixed Loan - Investment	5.98	6.33	5.98	0	2.69	2.69	2.99	0.00	$100	$0
	Advantage Package Fixed Loan (P&I) - Owner Occupied	4.56	4.94	4.56	0	2.09	2.09	2.29	0.00	$100	$0
	Basic Variable Loan (P&I) - Owner Occupied	3.98	4.02	3.98	0	-	-	-	0.00	$600	$0
	Basic Variable Loan Special (I/O) - Investment	4.83	4.87	4.83	0	-	-	-	0.00	$600	$0
	Relocation with End Loan - Owner Occupied	5.15	5.30	5.15	0	-	-	-	0.00	$600	$0
	Basic Variable Loan Special (P&I) - Owner Occupied	3.98	4.02	3.98	0	-	-	-	0.00	$600	$0
	Basic Variable Loan (P&I) - Investment	4.54	4.58	4.54	0	-	-	-	0.00	$600	$0
	Basic Variable Loan (I/O) - Owner Occupied	4.57	4.61	4.57	0	-	-	-	0.00	$600	$0
	Basic Variable Loan (I/O) - Investment	4.83	4.87	4.83	0	-	-	-	0.00	$600	$0
	Basic Variable Loan Special (I/O) - Owner Occupied	4.57	4.61	4.57	0	-	-	-	0.00	$600	$0
	Basic Variable Loan Special (P&I) - Investment	4.54	4.58	4.54	0	-	-	-	0.00	$600	$0
	Standard Loan (P&I) - Owner Occupied	4.56	4.72	4.56	0	-	-	-	0.00	$700	$0
	Standard Fixed Loan (IIA) - Investment	5.41	5.57	5.41	0	3.04	3.04	3.54	0.00	$700	$0
	Standard Fixed Loan (P&I) - Owner Occupied	4.56	4.72	4.56	0	2.24	2.24	2.44	0.00	$700	$0
	Standard Fixed Loan (I/O) - Owner Occupied	5.15	5.31	5.15	0	3.84	3.84	4.29	0.00	$700	$0
	Standard Loan (I/O) - Investment	5.41	5.57	5.41	0	-	-	-	0.00	$700	$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
	Advantage Package Fixed Loan (IIA) - Investment		0.00
	Advantage Package Loan (P&I) - Investment		0.00
	Advantage Package Fixed Loan (I/O) - Investment		0.00
	Advantage Package Loan (P&I) - Owner Occupied		0.00
	Advantage Package Portfolio Loan - Investment		0.00
	Advantage Package Fixed Loan (P&I) - Investment		0.00
	Advantage Package Loan (I/O) - Owner Occupied		0.00
	Advantage Package Loan (I/O) - Investment		0.00
	Advantage Package Fixed Loan (I/O) - Owner Occupied		0.00
	Advantage Package Portfolio Fixed Loan - Investment		0.00
	Advantage Package Fixed Loan (P&I) - Owner Occupied		0.00
	Basic Variable Loan (P&I) - Owner Occupied		0.00
	Basic Variable Loan Special (I/O) - Investment		0.00
	Relocation with End Loan - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Owner Occupied		0.00
	Basic Variable Loan (P&I) - Investment		0.00
	Basic Variable Loan (I/O) - Owner Occupied		0.00
	Basic Variable Loan (I/O) - Investment		0.00
	Basic Variable Loan Special (I/O) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Investment		0.00
	Standard Loan (P&I) - Owner Occupied		25.00
	Standard Fixed Loan (IIA) - Investment		0.00
	Standard Fixed Loan (P&I) - Owner Occupied		0.00
	Standard Fixed Loan (I/O) - Owner Occupied		0.00
	Standard Loan (I/O) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Advantage Package Fixed Loan (IIA) - Investment	100.00	395.00	0.00	350.00
	Advantage Package Loan (P&I) - Investment	100.00	395.00	0.00	350.00
	Advantage Package Fixed Loan (I/O) - Investment	100.00	395.00	0.00	350.00
	Advantage Package Loan (P&I) - Owner Occupied	100.00	395.00	0.00	350.00
	Advantage Package Portfolio Loan - Investment	100.00	395.00	0.00	350.00
	Advantage Package Fixed Loan (P&I) - Investment	100.00	395.00	0.00	350.00
	Advantage Package Loan (I/O) - Owner Occupied	100.00	395.00	0.00	350.00
	Advantage Package Loan (I/O) - Investment	100.00	395.00	0.00	350.00
	Advantage Package Fixed Loan (I/O) - Owner Occupied	100.00	395.00	0.00	350.00
	Advantage Package Portfolio Fixed Loan - Investment	100.00	395.00	0.00	350.00
	Advantage Package Fixed Loan (P&I) - Owner Occupied	100.00	395.00	0.00	350.00
	Basic Variable Loan (P&I) - Owner Occupied	600.00	0.00	0.00	350.00
	Basic Variable Loan Special (I/O) - Investment	600.00	0.00	0.00	350.00
	Relocation with End Loan - Owner Occupied	600.00	0.00	10.00	350.00
	Basic Variable Loan Special (P&I) - Owner Occupied	600.00	0.00	0.00	350.00
	Basic Variable Loan (P&I) - Investment	600.00	0.00	0.00	350.00
	Basic Variable Loan (I/O) - Owner Occupied	600.00	0.00	0.00	350.00
	Basic Variable Loan (I/O) - Investment	600.00	0.00	0.00	350.00
	Basic Variable Loan Special (I/O) - Owner Occupied	600.00	0.00	0.00	350.00
	Basic Variable Loan Special (P&I) - Investment	600.00	0.00	0.00	350.00
	Standard Loan (P&I) - Owner Occupied	700.00	0.00	10.00	350.00
	Standard Fixed Loan (IIA) - Investment	700.00	0.00	10.00	350.00
	Standard Fixed Loan (P&I) - Owner Occupied	700.00	0.00	10.00	350.00
	Standard Fixed Loan (I/O) - Owner Occupied	700.00	0.00	10.00	350.00
	Standard Loan (I/O) - Investment	700.00	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
	Advantage Package Fixed Loan (IIA) - Investment	150000	30	80
	Advantage Package Loan (P&I) - Investment	100000	30	90
	Advantage Package Fixed Loan (I/O) - Investment	150000	30	90
	Advantage Package Loan (P&I) - Owner Occupied	100000	30	60
	Advantage Package Portfolio Loan - Investment	100000	30	80
	Advantage Package Fixed Loan (P&I) - Investment	150000	30	60
	Advantage Package Loan (I/O) - Owner Occupied	100000	30	60
	Advantage Package Loan (I/O) - Investment	100000	30	80
	Advantage Package Fixed Loan (I/O) - Owner Occupied	150000	30	60
	Advantage Package Portfolio Fixed Loan - Investment	50000	30	80
	Advantage Package Fixed Loan (P&I) - Owner Occupied	150000	30	60
	Basic Variable Loan (P&I) - Owner Occupied	30000	30	60
	Basic Variable Loan Special (I/O) - Investment	30000	30	80
	Relocation with End Loan - Owner Occupied	10000	1	60
	Basic Variable Loan Special (P&I) - Owner Occupied	30000	30	95
	Basic Variable Loan (P&I) - Investment	30000	30	90
	Basic Variable Loan (I/O) - Owner Occupied	30000	30	80
	Basic Variable Loan (I/O) - Investment	30000	30	90
	Basic Variable Loan Special (I/O) - Owner Occupied	30000	30	60
	Basic Variable Loan Special (P&I) - Investment	30000	30	90
	Standard Loan (P&I) - Owner Occupied	10000	30	60
	Standard Fixed Loan (IIA) - Investment	10000	30	90
	Standard Fixed Loan (P&I) - Owner Occupied	10000	30	60
	Standard Fixed Loan (I/O) - Owner Occupied	10000	30	60
	Standard Loan (I/O) - Investment	10000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Advantage Package Fixed Loan (IIA) - Investment	$0.00	$0.00
	Advantage Package Loan (P&I) - Investment	$0.00	$0.00
	Advantage Package Fixed Loan (I/O) - Investment	$0.00	$0.00
	Advantage Package Loan (P&I) - Owner Occupied	$0.00	$0.00
	Advantage Package Portfolio Loan - Investment	$0.00	$0.00
	Advantage Package Fixed Loan (P&I) - Investment	$0.00	$0.00
	Advantage Package Loan (I/O) - Owner Occupied	$0.00	$0.00
	Advantage Package Loan (I/O) - Investment	$0.00	$0.00
	Advantage Package Fixed Loan (I/O) - Owner Occupied	$0.00	$0.00
	Advantage Package Portfolio Fixed Loan - Investment	$0.00	$0.00
	Advantage Package Fixed Loan (P&I) - Owner Occupied	$0.00	$0.00
	Basic Variable Loan (P&I) - Owner Occupied	$0.00	$0.00
	Basic Variable Loan Special (I/O) - Investment	$0.00	$0.00
	Relocation with End Loan - Owner Occupied	$0.00	$0.00
	Basic Variable Loan Special (P&I) - Owner Occupied	$0.00	$0.00
	Basic Variable Loan (P&I) - Investment	$0.00	$0.00
	Basic Variable Loan (I/O) - Owner Occupied	$0.00	$0.00
	Basic Variable Loan (I/O) - Investment	$0.00	$0.00
	Basic Variable Loan Special (I/O) - Owner Occupied	$0.00	$0.00
	Basic Variable Loan Special (P&I) - Investment	$0.00	$0.00
	Standard Loan (P&I) - Owner Occupied	$0.00	$0.00
	Standard Fixed Loan (IIA) - Investment	$0.00	$0.00
	Standard Fixed Loan (P&I) - Owner Occupied	$0.00	$0.00
	Standard Fixed Loan (I/O) - Owner Occupied	$0.00	$0.00
	Standard Loan (I/O) - Investment	$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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