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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
	Solar Offset Home Loan (Interest Only) - Owner Occupied	6.39	6.44	6.39	0	-	-	-	2,499.41	$-399,279	$1,069
	Basic Variable 80 (OO & INV Package) (Interest Only) - Investment	6.18	6.23	6.18	0	-	-	-	2,444.69	$-399,279	$1,069
	Fixed Rate (P & I) - Owner Occupied	5.60	5.65	6.09	0	5.74	5.79	5.74	2,421.40	$-399,279	$1,069
	Ex-Pat Variable Home Loan (Interest Only) - Investment	7.18	7.23	7.18	0	-	-	-	2,709.74	$-399,279	$1,069
	Ex-Pat Variable Home Loan (P & I) - Investment	6.98	7.03	6.98	0	-	-	-	2,655.84	$-399,279	$1,069
	Fixed Rate (P & I) - Investment	5.99	6.04	6.49	0	5.94	5.99	6.34	2,525.64	$-399,279	$1,069
	Offset Variable 80 (Interest Only) - Investment	6.39	6.44	6.39	0	-	-	-	2,499.41	$-399,279	$1,069
	Offset Variable 80 (P&I) - Owner Occupied	5.89	5.94	5.89	0	-	-	-	2,369.99	$-399,279	$1,069
	Basic Variable 80 (Interest Only) - Investment	6.29	6.34	6.29	0	-	-	-	2,473.28	$-399,279	$1,069
	Offset Variable 80 (P&I) - Investment	5.99	6.04	5.99	0	-	-	-	2,395.63	$-399,279	$1,069
	Fixed Rate (Interest Only) - Owner Occupied	5.60	5.65	5.60	0	6.14	6.19	6.54	2,296.32	$-399,279	$1,069
	Basic Variable 80 (Interest Only) - Owner Occupied	6.14	6.19	6.14	0	-	-	-	2,434.32	$-399,279	$1,069
	Offset Variable 90 (Interest Only) - Investment	6.69	6.74	6.69	0	-	-	-	2,578.46	$-399,279	$1,069
	Solar Basic Home Loan (Interest Only) - Owner Occupied	6.39	6.44	6.39	0	-	-	-	2,499.41	$-399,279	$1,069
	Solar Basic Home Loan (Interest Only) - Investment	6.39	6.44	6.39	0	-	-	-	2,499.41	$-399,279	$1,069
	Offset Variable 70 (P&I) - Owner Occupied	5.79	5.84	5.79	0	-	-	-	2,344.47	$-399,279	$1,069
	Construction Variable - (Interest Only) - Owner Occupied	6.69	6.80	6.89	0	-	-	-	2,631.73	$-398,509	$1,069
	Green Construction Home Loan (Interest Only) - Owner Occupied	6.39	6.50	6.39	0	-	-	-	2,499.41	$-398,509	$1,069
	Construction Variable - (Interest Only) - Investment	6.79	6.90	6.99	0	-	-	-	2,658.52	$-398,509	$1,069
	Green Construction Home Loan (Interest Only) - Investment	6.79	6.90	6.79	0	-	-	-	2,605.04	$-398,509	$1,069
	Solar Construction 80 (Interest Only) - Investment	6.79	6.90	6.79	0	-	-	-	2,605.04	$-398,509	$1,069
	Solar Construction 90 (Interest Only) - Owner Occupied	6.39	6.50	6.39	0	-	-	-	2,499.41	$-398,509	$1,069
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
	Solar Offset Home Loan (Interest Only) - Owner Occupied		0.00
	Basic Variable 80 (OO & INV Package) (Interest Only) - Investment		0.00
	Fixed Rate (P & I) - Owner Occupied		0.00
	Ex-Pat Variable Home Loan (Interest Only) - Investment		0.00
	Ex-Pat Variable Home Loan (P & I) - Investment		0.00
	Fixed Rate (P & I) - Investment		0.00
	Offset Variable 80 (Interest Only) - Investment		0.00
	Offset Variable 80 (P&I) - Owner Occupied		0.00
	Basic Variable 80 (Interest Only) - Investment		0.00
	Offset Variable 80 (P&I) - Investment		0.00
	Fixed Rate (Interest Only) - Owner Occupied		0.00
	Basic Variable 80 (Interest Only) - Owner Occupied		0.00
	Offset Variable 90 (Interest Only) - Investment		0.00
	Solar Basic Home Loan (Interest Only) - Owner Occupied		0.00
	Solar Basic Home Loan (Interest Only) - Investment		0.00
	Offset Variable 70 (P&I) - Owner Occupied		0.00
	Construction Variable - (Interest Only) - Owner Occupied		0.00
	Green Construction Home Loan (Interest Only) - Owner Occupied		0.00
	Construction Variable - (Interest Only) - Investment		0.00
	Green Construction Home Loan (Interest Only) - Investment		0.00
	Solar Construction 80 (Interest Only) - Investment		0.00
	Solar Construction 90 (Interest Only) - Owner Occupied		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Solar Offset Home Loan (Interest Only) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 80 (OO & INV Package) (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Fixed Rate (P & I) - Owner Occupied	721.00	0.00	0.00	550.00
	Ex-Pat Variable Home Loan (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Ex-Pat Variable Home Loan (P & I) - Investment	721.00	0.00	0.00	550.00
	Fixed Rate (P & I) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 80 (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 80 (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 80 (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 80 (P&I) - Investment	721.00	0.00	0.00	550.00
	Fixed Rate (Interest Only) - Owner Occupied	721.00	0.00	0.00	550.00
	Basic Variable 80 (Interest Only) - Owner Occupied	721.00	0.00	0.00	550.00
	Offset Variable 90 (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Solar Basic Home Loan (Interest Only) - Owner Occupied	721.00	0.00	0.00	550.00
	Solar Basic Home Loan (Interest Only) - Investment	721.00	0.00	0.00	550.00
	Offset Variable 70 (P&I) - Owner Occupied	721.00	0.00	0.00	550.00
	Construction Variable - (Interest Only) - Owner Occupied	1,491.00	0.00	0.00	550.00
	Green Construction Home Loan (Interest Only) - Owner Occupied	1,491.00	0.00	0.00	550.00
	Construction Variable - (Interest Only) - Investment	1,491.00	0.00	0.00	550.00
	Green Construction Home Loan (Interest Only) - Investment	1,491.00	0.00	0.00	550.00
	Solar Construction 80 (Interest Only) - Investment	1,491.00	0.00	0.00	550.00
	Solar Construction 90 (Interest Only) - Owner Occupied	1,491.00	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
	Solar Offset Home Loan (Interest Only) - Owner Occupied	50000	30	80
	Basic Variable 80 (OO & INV Package) (Interest Only) - Investment	50000	30	80
	Fixed Rate (P & I) - Owner Occupied	50000	30	80
	Ex-Pat Variable Home Loan (Interest Only) - Investment	50000	30	80
	Ex-Pat Variable Home Loan (P & I) - Investment	50000	30	80
	Fixed Rate (P & I) - Investment	50000	30	90
	Offset Variable 80 (Interest Only) - Investment	50000	30	80
	Offset Variable 80 (P&I) - Owner Occupied	50000	30	80
	Basic Variable 80 (Interest Only) - Investment	50000	30	80
	Offset Variable 80 (P&I) - Investment	50000	30	80
	Fixed Rate (Interest Only) - Owner Occupied	50000	30	80
	Basic Variable 80 (Interest Only) - Owner Occupied	50000	30	80
	Offset Variable 90 (Interest Only) - Investment	50000	30	90
	Solar Basic Home Loan (Interest Only) - Owner Occupied	50000	30	80
	Solar Basic Home Loan (Interest Only) - Investment	50000	30
	Offset Variable 70 (P&I) - Owner Occupied	50000	30	70
	Construction Variable - (Interest Only) - Owner Occupied	50000	30	90
	Green Construction Home Loan (Interest Only) - Owner Occupied	50000	30	90
	Construction Variable - (Interest Only) - Investment	50000	30	90
	Green Construction Home Loan (Interest Only) - Investment	50000	30	90
	Solar Construction 80 (Interest Only) - Investment	50000	30	80
	Solar Construction 90 (Interest Only) - Owner Occupied	50000	30	80
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Solar Offset Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Basic Variable 80 (OO & INV Package) (Interest Only) - Investment	$1,069.20	$763.71
	Fixed Rate (P & I) - Owner Occupied	$1,069.20	$763.71
	Ex-Pat Variable Home Loan (Interest Only) - Investment	$1,069.20	$763.71
	Ex-Pat Variable Home Loan (P & I) - Investment	$1,069.20	$763.71
	Fixed Rate (P & I) - Investment	$1,069.20	$763.71
	Offset Variable 80 (Interest Only) - Investment	$1,069.20	$763.71
	Offset Variable 80 (P&I) - Owner Occupied	$1,069.20	$763.71
	Basic Variable 80 (Interest Only) - Investment	$1,069.20	$763.71
	Offset Variable 80 (P&I) - Investment	$1,069.20	$763.71
	Fixed Rate (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Basic Variable 80 (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Offset Variable 90 (Interest Only) - Investment	$1,069.20	$763.71
	Solar Basic Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Solar Basic Home Loan (Interest Only) - Investment	$1,069.20	$763.71
	Offset Variable 70 (P&I) - Owner Occupied	$1,069.20	$763.71
	Construction Variable - (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Green Construction Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Construction Variable - (Interest Only) - Investment	$1,069.20	$763.71
	Green Construction Home Loan (Interest Only) - Investment	$1,069.20	$763.71
	Solar Construction 80 (Interest Only) - Investment	$1,069.20	$763.71
	Solar Construction 90 (Interest Only) - Owner Occupied	$1,069.20	$763.71
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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