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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

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.

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
	Breakthrough 85% No LMI (P & I) - Owner Occupied	3.49	3.49	3.49	0	-	-	-	1,793.95	$-400,000	$891
	Breakthrough 85% No LMI (P & I) - Investment	3.79	3.79	3.79	0	-	-	-	1,861.55	$-400,000	$891
	Breakthrough 85% No LMI (Interest Only) - Investment	3.94	3.94	3.94	0	-	-	-	1,895.85	$-400,000	$891
	Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied	3.59	3.61	3.59	0	-	-	-	1,816.33	$-399,670	$891
	Breakthrough Prime Variable (P & I) - Investment	2.84	2.86	3.54	0	-	-	-	1,805.12	$-399,670	$891
	Breakthrough Prime Variable (Interest Only) - Owner Occupied	2.79	2.81	2.89	0	-	-	-	1,662.78	$-399,670	$891
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Owner Occupied	3.14	3.16	3.14	0	-	-	-	1,716.77	$-399,670	$891
	Breakthrough Prime Variable (Low Doc) (P & I) - Owner Occupied	2.99	3.01	2.99	0	-	-	-	1,684.26	$-399,670	$891
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	3.29	3.31	3.29	0	-	-	-	1,749.62	$-399,670	$891
	Breakthrough Prime Variable (Interest Only) - Investment	3.04	3.06	3.69	0	-	-	-	1,838.87	$-399,670	$891
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment	3.44	3.46	3.44	0	-	-	-	1,782.81	$-399,670	$891
	Breakthrough Prime Variable (P & I) - Owner Occupied	2.59	2.61	3.29	0	-	-	-	1,749.62	$-399,670	$891
	Options Prime Specialist (P & I) - Owner Occupied/Investment	6.10	6.15	7.50	0	-	-	-	2,796.86	$-399,340	$891
	Options Prime Specialist Plus (Interest Only) - Owner Occupied/Investment	7.00	7.05	8.20	0	-	-	-	2,991.02	$-399,340	$891
	Options Specialist Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	7.40	7.45	8.34	0	-	-	-	3,030.41	$-399,340	$891
	Options Specialist (Alt Doc) (P & I) - Owner Occupied/Investment	6.40	6.45	7.54	0	-	-	-	2,807.82	$-399,340	$891
	Options Near Prime (Alt Doc) (Interest Only) - Owner Occupied/Investment	4.30	4.34	4.65	0	-	-	-	2,062.55	$-399,340	$891
	Options Specialist Plus (Alt Doc) (P & I) - Owner Occupied/Investment	7.10	7.15	8.04	0	-	-	-	2,946.22	$-399,340	$891
	Options Near Prime Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	5.40	5.45	6.24	0	-	-	-	2,460.27	$-399,340	$891
	Options Near Prime (Alt Doc) (P & I) - Owner Occupied/Investment	4.00	4.04	4.35	0	-	-	-	1,991.25	$-399,340	$891
	Options Specialist (Alt Doc) (Interest Only) - Owner Occupied/Investment	6.70	6.75	7.84	0	-	-	-	2,890.57	$-399,340	$891
	Options Near Prime Plus (P & I) - Owner Occupied/Investment	4.80	4.84	5.30	0	-	-	-	2,221.22	$-399,340	$891
	Options Prime Specialist Plus (P & I) - Owner Occupied/Investment	6.70	6.75	7.90	0	-	-	-	2,907.22	$-399,340	$891
	Options Near Prime Plus (Interest Only) - Owner Occupied/Investment	5.10	5.14	5.60	0	-	-	-	2,296.32	$-399,340	$891
	Options Near Prime Plus (Alt Doc) (P & I) - Owner Occupied/Investment	5.10	5.14	5.94	0	-	-	-	2,382.79	$-399,340	$891
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
	Breakthrough 85% No LMI (P & I) - Owner Occupied		0.00
	Breakthrough 85% No LMI (P & I) - Investment		0.00
	Breakthrough 85% No LMI (Interest Only) - Investment		0.00
	Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied		0.00
	Breakthrough Prime Variable (P & I) - Investment		0.00
	Breakthrough Prime Variable (Interest Only) - Owner Occupied		0.00
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Owner Occupied		0.00
	Breakthrough Prime Variable (Low Doc) (P & I) - Owner Occupied		0.00
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment		0.00
	Breakthrough Prime Variable (Interest Only) - Investment		0.00
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment		0.00
	Breakthrough Prime Variable (P & I) - Owner Occupied		0.00
	Options Prime Specialist (P & I) - Owner Occupied/Investment		0.00
	Options Prime Specialist Plus (Interest Only) - Owner Occupied/Investment		0.00
	Options Specialist Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Options Specialist (Alt Doc) (P & I) - Owner Occupied/Investment		0.00
	Options Near Prime (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Options Specialist Plus (Alt Doc) (P & I) - Owner Occupied/Investment		0.00
	Options Near Prime Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Options Near Prime (Alt Doc) (P & I) - Owner Occupied/Investment		0.00
	Options Specialist (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Options Near Prime Plus (P & I) - Owner Occupied/Investment		0.00
	Options Prime Specialist Plus (P & I) - Owner Occupied/Investment		0.00
	Options Near Prime Plus (Interest Only) - Owner Occupied/Investment		0.00
	Options Near Prime Plus (Alt Doc) (P & I) - Owner Occupied/Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Breakthrough 85% No LMI (P & I) - Owner Occupied	0.00	0.00	0.00	300.00
	Breakthrough 85% No LMI (P & I) - Investment	0.00	0.00	0.00	300.00
	Breakthrough 85% No LMI (Interest Only) - Investment	0.00	0.00	0.00	300.00
	Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (P & I) - Investment	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (Interest Only) - Owner Occupied	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Owner Occupied	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (Low Doc) (P & I) - Owner Occupied	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (Interest Only) - Investment	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment	330.00	0.00	0.00	300.00
	Breakthrough Prime Variable (P & I) - Owner Occupied	330.00	0.00	0.00	300.00
	Options Prime Specialist (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Prime Specialist Plus (Interest Only) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Specialist Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Specialist (Alt Doc) (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Near Prime (Alt Doc) (Interest Only) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Specialist Plus (Alt Doc) (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Near Prime Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Near Prime (Alt Doc) (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Specialist (Alt Doc) (Interest Only) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Near Prime Plus (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Prime Specialist Plus (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Near Prime Plus (Interest Only) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
	Options Near Prime Plus (Alt Doc) (P & I) - Owner Occupied/Investment	660.00	0.00	0.00	0.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Breakthrough 85% No LMI (P & I) - Owner Occupied	150000	30
	Breakthrough 85% No LMI (P & I) - Investment	150000	30
	Breakthrough 85% No LMI (Interest Only) - Investment	150000	30
	Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied	150000	30	95
	Breakthrough Prime Variable (P & I) - Investment	150000	30	80
	Breakthrough Prime Variable (Interest Only) - Owner Occupied	150000	30	80
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Owner Occupied	150000	30	80
	Breakthrough Prime Variable (Low Doc) (P & I) - Owner Occupied	150000	30	70
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	150000	30	70
	Breakthrough Prime Variable (Interest Only) - Investment	150000	30	90
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment	150000	30	70
	Breakthrough Prime Variable (P & I) - Owner Occupied	150000	30	80
	Options Prime Specialist (P & I) - Owner Occupied/Investment	100000	30	80
	Options Prime Specialist Plus (Interest Only) - Owner Occupied/Investment	100000	30	65
	Options Specialist Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	100000	30	65
	Options Specialist (Alt Doc) (P & I) - Owner Occupied/Investment	100000	30	65
	Options Near Prime (Alt Doc) (Interest Only) - Owner Occupied/Investment	100000	30	80
	Options Specialist Plus (Alt Doc) (P & I) - Owner Occupied/Investment	100000	30	75
	Options Near Prime Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	100000	30	65
	Options Near Prime (Alt Doc) (P & I) - Owner Occupied/Investment	100000	30	80
	Options Specialist (Alt Doc) (Interest Only) - Owner Occupied/Investment	100000	30	65
	Options Near Prime Plus (P & I) - Owner Occupied/Investment	100000	30	75
	Options Prime Specialist Plus (P & I) - Owner Occupied/Investment	100000	30	80
	Options Near Prime Plus (Interest Only) - Owner Occupied/Investment	100000	30	80
	Options Near Prime Plus (Alt Doc) (P & I) - Owner Occupied/Investment	100000	30	75
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Breakthrough 85% No LMI (P & I) - Owner Occupied	$891.00	$636.43
	Breakthrough 85% No LMI (P & I) - Investment	$891.00	$636.43
	Breakthrough 85% No LMI (Interest Only) - Investment	$891.00	$636.43
	Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied	$891.00	$636.43
	Breakthrough Prime Variable (P & I) - Investment	$891.00	$636.43
	Breakthrough Prime Variable (Interest Only) - Owner Occupied	$891.00	$636.43
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Owner Occupied	$891.00	$636.43
	Breakthrough Prime Variable (Low Doc) (P & I) - Owner Occupied	$891.00	$636.43
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	$891.00	$636.43
	Breakthrough Prime Variable (Interest Only) - Investment	$891.00	$636.43
	Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment	$891.00	$636.43
	Breakthrough Prime Variable (P & I) - Owner Occupied	$891.00	$636.43
	Options Prime Specialist (P & I) - Owner Occupied/Investment	$891.00	$636.43
	Options Prime Specialist Plus (Interest Only) - Owner Occupied/Investment	$891.00	$636.43
	Options Specialist Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	$891.00	$636.43
	Options Specialist (Alt Doc) (P & I) - Owner Occupied/Investment	$891.00	$636.43
	Options Near Prime (Alt Doc) (Interest Only) - Owner Occupied/Investment	$891.00	$636.43
	Options Specialist Plus (Alt Doc) (P & I) - Owner Occupied/Investment	$891.00	$636.43
	Options Near Prime Plus (Alt Doc) (Interest Only) - Owner Occupied/Investment	$891.00	$636.43
	Options Near Prime (Alt Doc) (P & I) - Owner Occupied/Investment	$891.00	$636.43
	Options Specialist (Alt Doc) (Interest Only) - Owner Occupied/Investment	$891.00	$636.43
	Options Near Prime Plus (P & I) - Owner Occupied/Investment	$891.00	$636.43
	Options Prime Specialist Plus (P & I) - Owner Occupied/Investment	$891.00	$636.43
	Options Near Prime Plus (Interest Only) - Owner Occupied/Investment	$891.00	$636.43
	Options Near Prime Plus (Alt Doc) (P & I) - Owner Occupied/Investment	$891.00	$636.43
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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