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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
	Flexi First Option Variable Special (P&I) - Owner Occupied	3.93	3.93	3.93	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable (I/O) - Owner Occupied	4.52	4.52	4.52	0	-	-	-	0.00	$0	$0
	Fixed Option (PAP) (I/O) - Owner Occupied	5.17	5.53	5.17	0	3.69	3.89	3.99	0.00	$0	$0
	Fixed Option (PAP) (I/O) - Investment	5.39	5.75	5.39	0	3.04	3.74	4.19	0.00	$0	$0
	Rocket Repay Variable (PAP) (Interest Only) - Investment	5.39	5.75	5.39	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable Special (P&I) - Investment	4.48	4.48	4.48	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable (I/O) - Investment	4.74	4.74	4.74	0	-	-	-	0.00	$0	$0
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied	5.17	5.53	5.17	0	-	-	-	0.00	$0	$0
	Rocket Repay Variable (PAP) (P & I) - Owner Occupied	4.58	4.95	4.58	0	-	-	-	0.00	$0	$0
	Rocket Repay Variable (PAP) (P & I) - Investment	5.13	5.49	5.13	0	-	-	-	0.00	$0	$0
	Fixed Option (PAP) (P&I) - Owner Occupied	4.58	4.95	4.58	0	2.09	2.09	2.29	0.00	$0	$0
	Fixed Option (PAP) (P&I) - Investment	5.13	5.49	5.13	0	2.49	2.49	2.79	0.00	$0	$0
	Flexi First Option Variable (P&I) - Investment	4.48	4.48	4.48	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable (P&I) - Owner Occupied	3.93	3.93	3.93	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable Special (I/O) - Investment	4.74	4.74	4.74	0	-	-	-	0.00	$0	$0
	Flexi First Option Variable Special (I/O) - Owner Occupied	4.52	4.52	4.52	0	-	-	-	0.00	$0	$0
	Fixed Option (PAP) (IIA) - Investment	5.39	5.75	5.39	0	2.84	3.54	3.99	0.00	$0	$0
	Rocket Repay Variable (Interest Only) - Investment	5.39	5.43	5.39	0	-	-	-	0.00	$600	$0
	Bridging Home Loan - Owner Occupied	5.57	5.61	5.57	0	-	-	-	0.00	$600	$0
	Fixed Option (IIA) - Investment	5.39	5.43	5.39	0	2.84	3.54	3.99	0.00	$600	$0
	Fixed Option (P&I) - Investment	5.13	5.17	5.13	0	2.69	2.69	2.99	0.00	$600	$0
	Fixed Option (P&I) - Owner Occupied	4.58	4.62	4.58	0	2.29	2.29	2.49	0.00	$600	$0
	Rocket Repay Variable (P & I) - Owner Occupied	4.58	4.62	4.58	0	-	-	-	0.00	$600	$0
	Rocket Repay Variable (P & I) - Investment	5.13	5.17	5.13	0	-	-	-	0.00	$600	$0
	Fixed Option (I/O) - Owner Occupied	5.17	5.21	5.17	0	3.89	4.09	4.19	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
	Flexi First Option Variable Special (P&I) - Owner Occupied		0.00
	Flexi First Option Variable (I/O) - Owner Occupied		0.00
	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
	Flexi First Option Variable Special (P&I) - Investment		0.00
	Flexi First Option Variable (I/O) - Investment		0.00
	Rocket Repay Variable (PAP) (Interest Only) - Owner Occupied		0.00
	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		0.00
	Flexi First Option Variable (P&I) - Owner Occupied		0.00
	Flexi First Option Variable Special (I/O) - Investment		0.00
	Flexi First Option Variable Special (I/O) - Owner Occupied		0.00
	Fixed Option (PAP) (IIA) - Investment		0.00
	Rocket Repay Variable (Interest Only) - Investment		0.00
	Bridging Home Loan - Owner Occupied		0.00
	Fixed Option (IIA) - Investment		0.00
	Fixed Option (P&I) - Investment		10.00
	Fixed Option (P&I) - Owner Occupied		0.00
	Rocket Repay Variable (P & I) - Owner Occupied		0.00
	Rocket Repay Variable (P & I) - Investment		0.00
	Fixed Option (I/O) - Owner Occupied		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

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

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