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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
	Options Prime Home Loan (Interest Only) - Investment	3.14	3.14	3.94	0	-	-	-	1,895.85	$-400,000	$1,069
	Options 85% No LMI Home Loan (Interest Only) - Investment	4.19	4.21	4.19	0	-	-	-	1,953.73	$-399,714	$1,069
	Options 85% No LMI Home Loan (P & I) - Owner Occupied	3.74	3.76	3.74	0	-	-	-	1,850.19	$-399,714	$1,069
	Options Prime Home Loan (Alt Doc) (Interest Only) - Investment	3.69	3.71	3.69	0	-	-	-	1,838.87	$-399,714	$1,069
	Options Quickstart Variable Home Loan (90%-98%) (P & I) - Owner Occupied	3.84	3.86	3.84	0	-	-	-	1,872.95	$-399,714	$1,069
	Options Prime Home Loan (P & I) - Investment	2.94	2.96	3.79	0	-	-	-	1,861.55	$-399,714	$1,069
	Options Prime Home Loan (Alt Doc) (Interest Only) - Owner Occupied	3.39	3.41	3.39	0	-	-	-	1,771.71	$-399,714	$1,069
	Options 85% No LMI Home Loan (P & I) - Investment	4.04	4.06	4.04	0	-	-	-	1,918.90	$-399,714	$1,069
	Options Prime Home Loan (Alt Doc) (P & I) - Investment	3.54	3.56	3.54	0	-	-	-	1,805.12	$-399,714	$1,069
	Options Prime Home Loan (Interest Only) - Owner Occupied	2.89	2.91	2.99	0	-	-	-	1,684.26	$-399,714	$1,069
	Options Prime Home Loan (Alt Doc) (P & I) - Owner Occupied	3.24	3.26	3.24	0	-	-	-	1,738.63	$-399,714	$1,069
	Options Prime Home Loan (P & I) - Owner Occupied	2.69	2.71	3.54	0	-	-	-	1,805.12	$-399,714	$1,069
	Classic Home Loan Expat (NDIS) (P & I) - Owner Occupied	3.89	4.41	4.69	0	-	-	-	2,072.15	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	2.99	3.44	3.29	0	-	-	-	1,749.62	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Owner Occupied	2.89	3.34	3.19	0	-	-	-	1,727.68	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	2.69	3.15	2.99	0	-	-	-	1,684.26	$-399,395	$1,069
	Classic Fixed Home Loan Expat (NDIS) (Construction) (P & I) - Owner Occupied	3.59	4.12	4.29	0	5.69	-	-	1,977.14	$-399,395	$1,069
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	3.19	3.63	3.49	0	-	-	-	1,793.95	$-399,395	$1,069
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Investment	3.19	3.63	3.99	0	-	-	-	1,907.36	$-399,395	$1,069
	Classic Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	2.99	3.44	3.29	0	-	-	-	1,749.62	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Investment	3.19	3.63	4.09	0	-	-	-	1,930.47	$-399,395	$1,069
	Classic Fixed Home Loan Expat (NDIS) (Interest Only) - Investment	4.09	4.61	4.79	0	-	-	-	2,096.24	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	3.19	3.63	3.49	0	-	-	-	1,793.95	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	2.69	3.15	2.99	0	-	-	-	1,684.26	$-399,395	$1,069
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Investment	2.89	3.34	3.69	0	-	-	-	1,838.87	$-399,395	$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
	Options Prime Home Loan (Interest Only) - Investment		0.00
	Options 85% No LMI Home Loan (Interest Only) - Investment		0.00
	Options 85% No LMI Home Loan (P & I) - Owner Occupied		0.00
	Options Prime Home Loan (Alt Doc) (Interest Only) - Investment		0.00
	Options Quickstart Variable Home Loan (90%-98%) (P & I) - Owner Occupied		0.00
	Options Prime Home Loan (P & I) - Investment		0.00
	Options Prime Home Loan (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Options 85% No LMI Home Loan (P & I) - Investment		0.00
	Options Prime Home Loan (Alt Doc) (P & I) - Investment		0.00
	Options Prime Home Loan (Interest Only) - Owner Occupied		0.00
	Options Prime Home Loan (Alt Doc) (P & I) - Owner Occupied		0.00
	Options Prime Home Loan (P & I) - Owner Occupied		0.00
	Classic Home Loan Expat (NDIS) (P & I) - Owner Occupied		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Owner Occupied		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied		0.00
	Classic Fixed Home Loan Expat (NDIS) (Construction) (P & I) - Owner Occupied		0.00
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied		0.00
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Investment		0.00
	Classic Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Investment		0.00
	Classic Fixed Home Loan Expat (NDIS) (Interest Only) - Investment		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied		0.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Options Prime Home Loan (Interest Only) - Investment	0.00	0.00	0.00	300.00
	Options 85% No LMI Home Loan (Interest Only) - Investment	286.00	0.00	0.00	300.00
	Options 85% No LMI Home Loan (P & I) - Owner Occupied	286.00	0.00	0.00	300.00
	Options Prime Home Loan (Alt Doc) (Interest Only) - Investment	286.00	0.00	0.00	300.00
	Options Quickstart Variable Home Loan (90%-98%) (P & I) - Owner Occupied	286.00	0.00	0.00	300.00
	Options Prime Home Loan (P & I) - Investment	286.00	0.00	0.00	300.00
	Options Prime Home Loan (Alt Doc) (Interest Only) - Owner Occupied	286.00	0.00	0.00	300.00
	Options 85% No LMI Home Loan (P & I) - Investment	286.00	0.00	0.00	300.00
	Options Prime Home Loan (Alt Doc) (P & I) - Investment	286.00	0.00	0.00	300.00
	Options Prime Home Loan (Interest Only) - Owner Occupied	286.00	0.00	0.00	300.00
	Options Prime Home Loan (Alt Doc) (P & I) - Owner Occupied	286.00	0.00	0.00	300.00
	Options Prime Home Loan (P & I) - Owner Occupied	286.00	0.00	0.00	300.00
	Classic Home Loan Expat (NDIS) (P & I) - Owner Occupied	605.00	495.00	0.00	1,500.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan Expat (NDIS) (Construction) (P & I) - Owner Occupied	605.00	495.00	0.00	1,500.00
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Investment	605.00	395.00	0.00	795.00
	Classic Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Investment	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan Expat (NDIS) (Interest Only) - Investment	605.00	495.00	0.00	1,500.00
	Classic Fixed Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	605.00	395.00	0.00	795.00
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Investment	605.00	395.00	0.00	795.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Options Prime Home Loan (Interest Only) - Investment	150000	30	80
	Options 85% No LMI Home Loan (Interest Only) - Investment	50000	30	85
	Options 85% No LMI Home Loan (P & I) - Owner Occupied	50000	30	85
	Options Prime Home Loan (Alt Doc) (Interest Only) - Investment	50000	30	70
	Options Quickstart Variable Home Loan (90%-98%) (P & I) - Owner Occupied	50000	30	98
	Options Prime Home Loan (P & I) - Investment	150000	30	90
	Options Prime Home Loan (Alt Doc) (Interest Only) - Owner Occupied	50000	30	70
	Options 85% No LMI Home Loan (P & I) - Investment	50000	30	85
	Options Prime Home Loan (Alt Doc) (P & I) - Investment	50000	30	70
	Options Prime Home Loan (Interest Only) - Owner Occupied	150000	30	70
	Options Prime Home Loan (Alt Doc) (P & I) - Owner Occupied	50000	30	70
	Options Prime Home Loan (P & I) - Owner Occupied	150000	30	80
	Classic Home Loan Expat (NDIS) (P & I) - Owner Occupied	100000	30	80
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	50000	30	90
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Owner Occupied	50000	30	90
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	50000	30	60
	Classic Fixed Home Loan Expat (NDIS) (Construction) (P & I) - Owner Occupied	100000	30	60
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	50000	30	70
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Investment	50000	30	70
	Classic Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	50000	30	70
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Investment	50000	30	60
	Classic Fixed Home Loan Expat (NDIS) (Interest Only) - Investment	100000	30	80
	Classic Fixed Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	50000	30	60
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	50000	30	60
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - 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
	Options Prime Home Loan (Interest Only) - Investment	$1,069.20	$763.71
	Options 85% No LMI Home Loan (Interest Only) - Investment	$1,069.20	$763.71
	Options 85% No LMI Home Loan (P & I) - Owner Occupied	$1,069.20	$763.71
	Options Prime Home Loan (Alt Doc) (Interest Only) - Investment	$1,069.20	$763.71
	Options Quickstart Variable Home Loan (90%-98%) (P & I) - Owner Occupied	$1,069.20	$763.71
	Options Prime Home Loan (P & I) - Investment	$1,069.20	$763.71
	Options Prime Home Loan (Alt Doc) (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Options 85% No LMI Home Loan (P & I) - Investment	$1,069.20	$763.71
	Options Prime Home Loan (Alt Doc) (P & I) - Investment	$1,069.20	$763.71
	Options Prime Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Options Prime Home Loan (Alt Doc) (P & I) - Owner Occupied	$1,069.20	$763.71
	Options Prime Home Loan (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Home Loan Expat (NDIS) (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan Expat (NDIS) (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Classic Home Loan (Standard) (NDIS) (Interest Only) - Investment	$1,069.20	$763.71
	Classic Home Loan (Standard) (NDIS) (Construction) (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (P & I) - Investment	$1,069.20	$763.71
	Classic Fixed Home Loan Expat (NDIS) (Interest Only) - Investment	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Home Loan (Standard) (NDIS) (Construction) (P & I) - Investment	$1,069.20	$763.71
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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