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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

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
	ZIP Home Loan - (P & I) - Owner Occupied	2.83	2.87	2.83	0	-	-	-	1,649.96	$-399,280	$1,497
	Vital Variable (P & I) - Investment	3.58	3.63	3.68	0	-	-	-	1,836.61	$-399,280	$1,497
	Vital Variable (Interest Only) - Investment	4.03	4.08	4.13	0	-	-	-	1,939.76	$-399,280	$1,497
	VIP Variable (Interest Only) - Owner Occupied	3.73	3.78	3.83	0	-	-	-	1,870.67	$-399,280	$1,497
	Offset Variable (Broker Special) (Interest Only) - Owner Occupied	3.19	3.23	3.19	0	-	-	-	1,727.68	$-399,280	$1,497
	VIP Fixed (Interest Only) - Owner Occupied	3.73	3.78	3.73	0	3.43	3.43	3.63	1,847.93	$-399,280	$1,497
	VIP Fixed (P & I) - Owner Occupied	3.23	3.27	3.23	0	4.28	4.44	-	1,736.44	$-399,280	$1,497
	VIP Fixed (Interest Only) - Investment	4.13	4.18	4.13	0	4.63	4.79	-	1,939.76	$-399,280	$1,497
	VIP Variable (P & I) - Owner Occupied	3.23	3.27	3.23	0	-	-	-	1,736.44	$-399,280	$1,497
	Vital Variable (P & I) - Owner Occupied	3.13	3.17	3.13	0	-	-	-	1,714.59	$-399,280	$1,497
	VIP Variable (P & I) - Investment	3.68	3.73	3.78	0	-	-	-	1,859.28	$-399,280	$1,497
	Offset Variable (Broker Special) (P&I) - Owner Occupied	2.84	2.88	2.84	0	-	-	-	1,652.10	$-399,280	$1,497
	VIP Fixed (P & I) - Investment	3.68	3.73	3.78	0	3.23	3.23	3.43	1,859.28	$-399,280	$1,497
	Vital Variable (Interest Only) - Owner Occupied	3.63	3.68	3.73	0	-	-	-	1,847.93	$-399,280	$1,497
	VIP Variable (Interest Only) - Investment	4.13	4.18	4.23	0	-	-	-	1,963.08	$-399,280	$1,497
	Construction Variable - Owner Occupied	3.93	4.02	4.13	0	-	-	-	1,939.76	$-398,610	$1,497
	Construction Variable - Investment	4.23	4.32	4.43	0	-	-	-	2,010.14	$-398,610	$1,497
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
	ZIP Home Loan - (P & I) - Owner Occupied		0.00
	Vital Variable (P & I) - Investment		0.00
	Vital Variable (Interest Only) - Investment		0.00
	VIP Variable (Interest Only) - Owner Occupied		0.00
	Offset Variable (Broker Special) (Interest Only) - Owner Occupied		0.00
	VIP Fixed (Interest Only) - Owner Occupied		0.00
	VIP Fixed (P & I) - Owner Occupied		0.00
	VIP Fixed (Interest Only) - Investment		0.00
	VIP Variable (P & I) - Owner Occupied		0.00
	Vital Variable (P & I) - Owner Occupied		0.00
	VIP Variable (P & I) - Investment		0.00
	Offset Variable (Broker Special) (P&I) - Owner Occupied		0.00
	VIP Fixed (P & I) - Investment		0.00
	Vital Variable (Interest Only) - Owner Occupied		0.00
	VIP Variable (Interest Only) - Investment		0.00
	Construction Variable - Owner Occupied		0.00
	Construction Variable - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	ZIP Home Loan - (P & I) - Owner Occupied	720.00	0.00	0.00	300.00
	Vital Variable (P & I) - Investment	720.00	0.00	0.00	550.00
	Vital Variable (Interest Only) - Investment	720.00	0.00	0.00	550.00
	VIP Variable (Interest Only) - Owner Occupied	720.00	0.00	0.00	550.00
	Offset Variable (Broker Special) (Interest Only) - Owner Occupied	720.00	0.00	0.00	550.00
	VIP Fixed (Interest Only) - Owner Occupied	720.00	0.00	0.00	550.00
	VIP Fixed (P & I) - Owner Occupied	720.00	0.00	0.00	550.00
	VIP Fixed (Interest Only) - Investment	720.00	0.00	0.00	550.00
	VIP Variable (P & I) - Owner Occupied	720.00	0.00	0.00	550.00
	Vital Variable (P & I) - Owner Occupied	720.00	0.00	0.00	550.00
	VIP Variable (P & I) - Investment	720.00	0.00	0.00	550.00
	Offset Variable (Broker Special) (P&I) - Owner Occupied	720.00	0.00	0.00	550.00
	VIP Fixed (P & I) - Investment	720.00	0.00	0.00	550.00
	Vital Variable (Interest Only) - Owner Occupied	720.00	0.00	0.00	550.00
	VIP Variable (Interest Only) - Investment	720.00	0.00	0.00	550.00
	Construction Variable - Owner Occupied	1,390.00	0.00	0.00	550.00
	Construction Variable - Investment	1,390.00	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
	ZIP Home Loan - (P & I) - Owner Occupied	250000	30
	Vital Variable (P & I) - Investment	50000	30	90
	Vital Variable (Interest Only) - Investment	50000	30
	VIP Variable (Interest Only) - Owner Occupied	50000	30
	Offset Variable (Broker Special) (Interest Only) - Owner Occupied	50000	30
	VIP Fixed (Interest Only) - Owner Occupied	50000	30	80
	VIP Fixed (P & I) - Owner Occupied	50000	30	80
	VIP Fixed (Interest Only) - Investment	50000	30
	VIP Variable (P & I) - Owner Occupied	50000	30	80
	Vital Variable (P & I) - Owner Occupied	50000	30
	VIP Variable (P & I) - Investment	50000	30	80
	Offset Variable (Broker Special) (P&I) - Owner Occupied	50000	30
	VIP Fixed (P & I) - Investment	50000	30	90
	Vital Variable (Interest Only) - Owner Occupied	50000	30
	VIP Variable (Interest Only) - Investment	50000	30
	Construction Variable - Owner Occupied	50000	30	80
	Construction Variable - Investment	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
	ZIP Home Loan - (P & I) - Owner Occupied	$1,496.88	$1,069.20
	Vital Variable (P & I) - Investment	$1,496.88	$1,069.20
	Vital Variable (Interest Only) - Investment	$1,496.88	$1,069.20
	VIP Variable (Interest Only) - Owner Occupied	$1,496.88	$1,069.20
	Offset Variable (Broker Special) (Interest Only) - Owner Occupied	$1,496.88	$1,069.20
	VIP Fixed (Interest Only) - Owner Occupied	$1,496.88	$1,069.20
	VIP Fixed (P & I) - Owner Occupied	$1,496.88	$1,069.20
	VIP Fixed (Interest Only) - Investment	$1,496.88	$1,069.20
	VIP Variable (P & I) - Owner Occupied	$1,496.88	$1,069.20
	Vital Variable (P & I) - Owner Occupied	$1,496.88	$1,069.20
	VIP Variable (P & I) - Investment	$1,496.88	$1,069.20
	Offset Variable (Broker Special) (P&I) - Owner Occupied	$1,496.88	$1,069.20
	VIP Fixed (P & I) - Investment	$1,496.88	$1,069.20
	Vital Variable (Interest Only) - Owner Occupied	$1,496.88	$1,069.20
	VIP Variable (Interest Only) - Investment	$1,496.88	$1,069.20
	Construction Variable - Owner Occupied	$1,496.88	$1,069.20
	Construction Variable - Investment	$1,496.88	$1,069.20
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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