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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
	Fixed Option Special (PAP) (P&I) - Investment	5.38	5.74	5.38	0	3.09	3.09	3.19	0.00	$0	$0
	Flexi First Option Special Variable (P&I) - Owner Occupied	4.18	4.18	4.18	0	-	-	-	0.00	$0	$0
	Fixed Option (PAP) (I/O) - Owner Occupied	5.42	5.78	5.42	0	4.54	4.65	5.24	0.00	$0	$0
	Fixed Option (PAP) (I/O) - Investment	5.64	5.99	5.64	0	4.65	4.74	5.29	0.00	$0	$0
	Rocket Repay Variable (PAP) (Interest Only) - Investment	5.64	5.99	5.64	0	-	-	-	0.00	$0	$0
	Fixed Option Special (PAP) (I/O) - Investment	5.64	5.99	5.64	0	3.29	3.29	3.39	0.00	$0	$0
	Equity Access (Premier Advantage Package) (I/O) Loan	6.21	6.55	6.21	0	-	-	-	0.00	$0	$0
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied	5.42	5.78	5.42	0	-	-	-	0.00	$0	$0
	Flexi First Option Special Variable (P&I) - Investment	4.73	4.73	4.73	0	-	-	-	0.00	$0	$0
	Rocket Repay Variable (PAP) (P & I) - Owner Occupied	4.83	5.20	4.83	0	-	-	-	0.00	$0	$0
	Rocket Repay Variable (PAP) (P & I) - Investment	5.38	5.74	5.38	0	-	-	-	0.00	$0	$0
	Fixed Option (PAP) (P&I) - Owner Occupied	4.83	5.20	4.83	0	4.09	4.19	4.49	0.00	$0	$0
	Fixed Option (PAP) (P&I) - Investment	5.38	5.74	5.38	0	4.39	4.49	4.99	0.00	$0	$0
	Flexi First Option Variable (P&I) - Investment	4.73	4.73	4.73	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable (P&I) - Owner Occupied	4.18	4.18	4.18	0	-	-	-	0.00	$0	$0
	Flexi First Option Special Variable (I/O) - Investment	4.99	4.99	4.99	0	-	-	-	0.00	$0	$0
	Fixed Option (PAP) (IIA) - Investment	5.64	5.99	5.64	0	3.69	3.69	3.99	0.00	$0	$0
	Fixed Option Special (PAP) (P&I) - Owner Occupied	4.83	5.20	4.83	0	2.98	2.98	3.49	0.00	$0	$0
	Flexi First Option Variable (I/O) - Owner Occupied	4.77	4.81	4.77	0	-	-	-	0.00	$600	$0
	Rocket Repay Variable (Interest Only) - Investment	5.64	5.77	5.64	0	-	-	-	0.00	$600	$0
	Bridging Home Loan	5.57	5.70	5.57	0	-	-	-	0.00	$600	$0
	Fixed Option (IIA) - Investment	5.64	5.77	5.64	0	4.65	4.74	5.29	0.00	$600	$0
	Flexi First Option Variable (I/O) - Investment	4.99	5.03	4.99	0	-	-	-	0.00	$600	$0
	Fixed Option (P&I) - Investment	5.38	5.51	5.38	0	4.39	4.49	4.99	0.00	$600	$0
	Equity Access Loan (I/O)	6.21	6.36	6.21	0	-	-	-	0.00	$600	$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
	Fixed Option Special (PAP) (P&I) - Investment		0.00
	Flexi First Option Special Variable (P&I) - Owner Occupied		25.00
	Fixed Option (PAP) (I/O) - Owner Occupied		0.00
	Fixed Option (PAP) (I/O) - Investment		0.00
	Rocket Repay Variable (PAP) (Interest Only) - Investment		0.00
	Fixed Option Special (PAP) (I/O) - Investment		0.00
	Equity Access (Premier Advantage Package) (I/O) Loan		0.00
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied		0.00
	Flexi First Option Special Variable (P&I) - Investment		25.00
	Rocket Repay Variable (PAP) (P & I) - Owner Occupied		0.00
	Rocket Repay Variable (PAP) (P & I) - Investment		0.00
	Fixed Option (PAP) (P&I) - Owner Occupied		0.00
	Fixed Option (PAP) (P&I) - Investment		0.00
	Flexi First Option Variable (P&I) - Investment		25.00
	Flexi First Option Variable (P&I) - Owner Occupied		25.00
	Flexi First Option Special Variable (I/O) - Investment		25.00
	Fixed Option (PAP) (IIA) - Investment		0.00
	Fixed Option Special (PAP) (P&I) - Owner Occupied		0.00
	Flexi First Option Variable (I/O) - Owner Occupied		25.00
	Rocket Repay Variable (Interest Only) - Investment		0.00
	Bridging Home Loan		0.00
	Fixed Option (IIA) - Investment		0.00
	Flexi First Option Variable (I/O) - Investment		25.00
	Fixed Option (P&I) - Investment		10.00
	Equity Access Loan (I/O)		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Fixed Option Special (PAP) (P&I) - Investment	0.00	395.00	0.00	350.00
	Flexi First Option Special Variable (P&I) - Owner Occupied	0.00	0.00	0.00	350.00
	Fixed Option (PAP) (I/O) - Owner Occupied	0.00	395.00	0.00	350.00
	Fixed Option (PAP) (I/O) - Investment	0.00	395.00	0.00	350.00
	Rocket Repay Variable (PAP) (Interest Only) - Investment	0.00	395.00	0.00	350.00
	Fixed Option Special (PAP) (I/O) - Investment	0.00	395.00	0.00	350.00
	Equity Access (Premier Advantage Package) (I/O) Loan	0.00	395.00	0.00	350.00
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied	0.00	395.00	0.00	350.00
	Flexi First Option Special Variable (P&I) - Investment	0.00	0.00	0.00	350.00
	Rocket Repay Variable (PAP) (P & I) - Owner Occupied	0.00	395.00	0.00	350.00
	Rocket Repay Variable (PAP) (P & I) - Investment	0.00	395.00	0.00	350.00
	Fixed Option (PAP) (P&I) - Owner Occupied	0.00	395.00	0.00	350.00
	Fixed Option (PAP) (P&I) - Investment	0.00	395.00	0.00	350.00
	Flexi First Option Variable (P&I) - Investment	0.00	0.00	0.00	350.00
	Flexi First Option Variable (P&I) - Owner Occupied	0.00	0.00	0.00	350.00
	Flexi First Option Special Variable (I/O) - Investment	0.00	0.00	0.00	350.00
	Fixed Option (PAP) (IIA) - Investment	0.00	395.00	0.00	350.00
	Fixed Option Special (PAP) (P&I) - Owner Occupied	0.00	395.00	0.00	350.00
	Flexi First Option Variable (I/O) - Owner Occupied	600.00	0.00	0.00	350.00
	Rocket Repay Variable (Interest Only) - Investment	600.00	0.00	8.00	350.00
	Bridging Home Loan	600.00	0.00	8.00	350.00
	Fixed Option (IIA) - Investment	600.00	0.00	8.00	350.00
	Flexi First Option Variable (I/O) - Investment	600.00	0.00	0.00	350.00
	Fixed Option (P&I) - Investment	600.00	0.00	8.00	350.00
	Equity Access Loan (I/O)	600.00	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
	Fixed Option Special (PAP) (P&I) - Investment	150000	30	70
	Flexi First Option Special Variable (P&I) - Owner Occupied	25000	30	95
	Fixed Option (PAP) (I/O) - Owner Occupied	150000	30	80
	Fixed Option (PAP) (I/O) - Investment	150000	30	80
	Rocket Repay Variable (PAP) (Interest Only) - Investment	150000	30	80
	Fixed Option Special (PAP) (I/O) - Investment	150000	30	70
	Equity Access (Premier Advantage Package) (I/O) Loan	150000	30	80
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied	150000	30	80
	Flexi First Option Special Variable (P&I) - Investment	25000	30	90
	Rocket Repay Variable (PAP) (P & I) - Owner Occupied	150000	30	95
	Rocket Repay Variable (PAP) (P & I) - Investment	150000	30	90
	Fixed Option (PAP) (P&I) - Owner Occupied	150000	30	95
	Fixed Option (PAP) (P&I) - Investment	150000	30	90
	Flexi First Option Variable (P&I) - Investment	25000	30
	Flexi First Option Variable (P&I) - Owner Occupied	25000	30
	Flexi First Option Special Variable (I/O) - Investment	25000	30	80
	Fixed Option (PAP) (IIA) - Investment	150000	30	70
	Fixed Option Special (PAP) (P&I) - Owner Occupied	150000	30	70
	Flexi First Option Variable (I/O) - Owner Occupied	25000	30	70
	Rocket Repay Variable (Interest Only) - Investment	10000	30
	Bridging Home Loan	10000	1
	Fixed Option (IIA) - Investment	15000	30	80
	Flexi First Option Variable (I/O) - Investment	25000	30	70
	Fixed Option (P&I) - Investment	15000	30
	Equity Access Loan (I/O)	25000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Fixed Option Special (PAP) (P&I) - Investment	$0.00	$0.00
	Flexi First Option Special Variable (P&I) - Owner Occupied	$0.00	$0.00
	Fixed Option (PAP) (I/O) - Owner Occupied	$0.00	$0.00
	Fixed Option (PAP) (I/O) - Investment	$0.00	$0.00
	Rocket Repay Variable (PAP) (Interest Only) - Investment	$0.00	$0.00
	Fixed Option Special (PAP) (I/O) - Investment	$0.00	$0.00
	Equity Access (Premier Advantage Package) (I/O) Loan	$0.00	$0.00
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied	$0.00	$0.00
	Flexi First Option Special Variable (P&I) - Investment	$0.00	$0.00
	Rocket Repay Variable (PAP) (P & I) - Owner Occupied	$0.00	$0.00
	Rocket Repay Variable (PAP) (P & I) - Investment	$0.00	$0.00
	Fixed Option (PAP) (P&I) - Owner Occupied	$0.00	$0.00
	Fixed Option (PAP) (P&I) - Investment	$0.00	$0.00
	Flexi First Option Variable (P&I) - Investment	$0.00	$0.00
	Flexi First Option Variable (P&I) - Owner Occupied	$0.00	$0.00
	Flexi First Option Special Variable (I/O) - Investment	$0.00	$0.00
	Fixed Option (PAP) (IIA) - Investment	$0.00	$0.00
	Fixed Option Special (PAP) (P&I) - Owner Occupied	$0.00	$0.00
	Flexi First Option Variable (I/O) - Owner Occupied	$0.00	$0.00
	Rocket Repay Variable (Interest Only) - Investment	$0.00	$0.00
	Bridging Home Loan	$0.00	$0.00
	Fixed Option (IIA) - Investment	$0.00	$0.00
	Flexi First Option Variable (I/O) - Investment	$0.00	$0.00
	Fixed Option (P&I) - Investment	$0.00	$0.00
	Equity Access Loan (I/O)	$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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