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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
	Bridging Finance	7.75	7.77	7.75	0	-	-	-	0.00	$221	$0
	SMSF Fixed (P & I) - Investment	8.59	8.65	8.59	0	6.79	7.14	-	0.00	$711	$0
	SMSF Variable 80 (P & I) - Investment	6.99	7.04	6.99	0	-	-	-	0.00	$711	$0
	SMSF Variable 70 (P & I) - Investment	6.49	6.54	6.49	0	-	-	-	0.00	$711	$0
	Basic Variable 80 (P&I) - Owner Occupied	5.79	5.84	5.79	0	-	-	-	0.00	$721	$0
	Offset Variable 90 (P&I) - Owner Occupied	6.29	6.34	6.29	0	-	-	-	0.00	$721	$0
	ZIP Home Loan (P & I) - Owner Occupied	5.94	5.99	5.94	0	-	-	-	0.00	$721	$0
	Basic Variable 70 (P&I) - Owner Occupied	5.69	5.74	5.69	0	-	-	-	0.00	$721	$0
	Basic Variable 90 (P&I) - Owner Occupied	6.19	6.24	6.19	0	-	-	-	0.00	$721	$0
	Solar Offset Home Loan (Interest Only) - Investment	6.39	6.44	6.39	0	-	-	-	0.00	$721	$0
	Offset Variable 80 (OO & INV Package) (P&I) - Owner Occupied	5.68	5.73	5.68	0	-	-	-	0.00	$721	$0
	Basic Variable 80 (OO & INV Package) (P&I) - Owner Occupied	5.58	5.63	5.58	0	-	-	-	0.00	$721	$0
	Solar Basic Home Loan (P & I) - Owner Occupied	6.39	6.44	6.39	0	-	-	-	0.00	$721	$0
	Offset Variable 80 (Interest Only) - Owner Occupied	6.24	6.29	6.24	0	-	-	-	0.00	$721	$0
	Basic Variable 90 (Interest Only) - Investment	6.59	6.64	6.59	0	-	-	-	0.00	$721	$0
	Solar Offset Home Loan (P & I) - Investment	6.39	6.44	6.39	0	-	-	-	0.00	$721	$0
	Offset Variable 80 (OO & INV Package) (Interest Only) - Investment	6.28	6.33	6.28	0	-	-	-	0.00	$721	$0
	Offset Variable 80 (OO & INV Package) (P&I) - Investment	5.89	5.94	5.89	0	-	-	-	0.00	$721	$0
	Basic Variable 90 (P&I) - Investment	6.29	6.34	6.29	0	-	-	-	0.00	$721	$0
	Basic Variable 80 (P&I) - Investment	5.89	5.94	5.89	0	-	-	-	0.00	$721	$0
	Solar Offset Home Loan (P & I) - Owner Occupied	6.39	6.44	6.39	0	-	-	-	0.00	$721	$0
	Fixed Rate (Interest Only) - Investment	5.99	6.04	5.99	0	6.34	6.39	6.74	0.00	$721	$0
	Basic Variable 80 (OO & INV Package) (P&I) - Investment	5.79	5.84	5.79	0	-	-	-	0.00	$721	$0
	Solar Basic Home Loan (P & I) - Investment	6.39	6.44	6.39	0	-	-	-	0.00	$721	$0
	Offset Variable 90 (P&I) - Investment	6.39	6.44	6.39	0	-	-	-	0.00	$721	$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
	Bridging Finance		0.00
	SMSF Fixed (P & I) - Investment		0.00
	SMSF Variable 80 (P & I) - Investment		0.00
	SMSF Variable 70 (P & I) - Investment		0.00
	Basic Variable 80 (P&I) - Owner Occupied		0.00
	Offset Variable 90 (P&I) - Owner Occupied		0.00
	ZIP Home Loan (P & I) - Owner Occupied		0.00
	Basic Variable 70 (P&I) - Owner Occupied		0.00
	Basic Variable 90 (P&I) - Owner Occupied		0.00
	Solar Offset Home Loan (Interest Only) - Investment		0.00
	Offset Variable 80 (OO & INV Package) (P&I) - Owner Occupied		0.00
	Basic Variable 80 (OO & INV Package) (P&I) - Owner Occupied		0.00
	Solar Basic Home Loan (P & I) - Owner Occupied		0.00
	Offset Variable 80 (Interest Only) - Owner Occupied		0.00
	Basic Variable 90 (Interest Only) - Investment		0.00
	Solar Offset Home Loan (P & I) - Investment		0.00
	Offset Variable 80 (OO & INV Package) (Interest Only) - Investment		0.00
	Offset Variable 80 (OO & INV Package) (P&I) - Investment		0.00
	Basic Variable 90 (P&I) - Investment		0.00
	Basic Variable 80 (P&I) - Investment		0.00
	Solar Offset Home Loan (P & I) - Owner Occupied		0.00
	Fixed Rate (Interest Only) - Investment		0.00
	Basic Variable 80 (OO & INV Package) (P&I) - Investment		0.00
	Solar Basic Home Loan (P & I) - Investment		0.00
	Offset Variable 90 (P&I) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Bridging Finance	221.00	0.00	0.00	550.00
	SMSF Fixed (P & I) - Investment	711.00	0.00	0.00	550.00
	SMSF Variable 80 (P & I) - Investment	711.00	0.00	0.00	550.00
	SMSF Variable 70 (P & I) - Investment	711.00	0.00	0.00	550.00
	Basic Variable 80 (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Offset Variable 90 (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	ZIP Home Loan (P & I) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 70 (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 90 (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Solar Offset Home Loan (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 80 (OO & INV Package) (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 80 (OO & INV Package) (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Solar Basic Home Loan (P & I) - Owner Occupied	721.00	0.00	0.00	550.00
	Offset Variable 80 (Interest Only) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 90 (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Solar Offset Home Loan (P & I) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 80 (OO & INV Package) (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 80 (OO & INV Package) (P&I) - Investment	721.00	0.00	0.00	550.00
	Basic Variable 90 (P&I) - Investment	721.00	0.00	0.00	550.00
	Basic Variable 80 (P&I) - Investment	721.00	0.00	0.00	550.00
	Solar Offset Home Loan (P & I) - Owner Occupied	721.00	0.00	0.00	550.00
	Fixed Rate (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Basic Variable 80 (OO & INV Package) (P&I) - Investment	721.00	0.00	0.00	550.00
	Solar Basic Home Loan (P & I) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 90 (P&I) - Investment	721.00	0.00	0.00	550.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Bridging Finance	50000	30	80
	SMSF Fixed (P & I) - Investment	50000	30	80
	SMSF Variable 80 (P & I) - Investment	50000	30	80
	SMSF Variable 70 (P & I) - Investment	50000	30	70
	Basic Variable 80 (P&I) - Owner Occupied	50000	30	80
	Offset Variable 90 (P&I) - Owner Occupied	50000	30	90
	ZIP Home Loan (P & I) - Owner Occupied	250000	30	90
	Basic Variable 70 (P&I) - Owner Occupied	50000	30	70
	Basic Variable 90 (P&I) - Owner Occupied	50000	30	90
	Solar Offset Home Loan (Interest Only) - Investment	50000	30	90
	Offset Variable 80 (OO & INV Package) (P&I) - Owner Occupied	50000	30	80
	Basic Variable 80 (OO & INV Package) (P&I) - Owner Occupied	50000	30	80
	Solar Basic Home Loan (P & I) - Owner Occupied	50000	30	90
	Offset Variable 80 (Interest Only) - Owner Occupied	50000	30	80
	Basic Variable 90 (Interest Only) - Investment	50000	30	90
	Solar Offset Home Loan (P & I) - Investment	50000	30	90
	Offset Variable 80 (OO & INV Package) (Interest Only) - Investment	50000	30	80
	Offset Variable 80 (OO & INV Package) (P&I) - Investment	50000	30	80
	Basic Variable 90 (P&I) - Investment	50000	30	90
	Basic Variable 80 (P&I) - Investment	50000	30	80
	Solar Offset Home Loan (P & I) - Owner Occupied	50000	30	90
	Fixed Rate (Interest Only) - Investment	50000	30	80
	Basic Variable 80 (OO & INV Package) (P&I) - Investment	50000	30	80
	Solar Basic Home Loan (P & I) - Investment	50000	30	90
	Offset Variable 90 (P&I) - Investment	50000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Bridging Finance	$0.00	$0.00
	SMSF Fixed (P & I) - Investment	$0.00	$0.00
	SMSF Variable 80 (P & I) - Investment	$0.00	$0.00
	SMSF Variable 70 (P & I) - Investment	$0.00	$0.00
	Basic Variable 80 (P&I) - Owner Occupied	$0.00	$0.00
	Offset Variable 90 (P&I) - Owner Occupied	$0.00	$0.00
	ZIP Home Loan (P & I) - Owner Occupied	$0.00	$0.00
	Basic Variable 70 (P&I) - Owner Occupied	$0.00	$0.00
	Basic Variable 90 (P&I) - Owner Occupied	$0.00	$0.00
	Solar Offset Home Loan (Interest Only) - Investment	$0.00	$0.00
	Offset Variable 80 (OO & INV Package) (P&I) - Owner Occupied	$0.00	$0.00
	Basic Variable 80 (OO & INV Package) (P&I) - Owner Occupied	$0.00	$0.00
	Solar Basic Home Loan (P & I) - Owner Occupied	$0.00	$0.00
	Offset Variable 80 (Interest Only) - Owner Occupied	$0.00	$0.00
	Basic Variable 90 (Interest Only) - Investment	$0.00	$0.00
	Solar Offset Home Loan (P & I) - Investment	$0.00	$0.00
	Offset Variable 80 (OO & INV Package) (Interest Only) - Investment	$0.00	$0.00
	Offset Variable 80 (OO & INV Package) (P&I) - Investment	$0.00	$0.00
	Basic Variable 90 (P&I) - Investment	$0.00	$0.00
	Basic Variable 80 (P&I) - Investment	$0.00	$0.00
	Solar Offset Home Loan (P & I) - Owner Occupied	$0.00	$0.00
	Fixed Rate (Interest Only) - Investment	$0.00	$0.00
	Basic Variable 80 (OO & INV Package) (P&I) - Investment	$0.00	$0.00
	Solar Basic Home Loan (P & I) - Investment	$0.00	$0.00
	Offset Variable 90 (P&I) - 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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