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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
	Premium Expat Variable (P & I) - Investment	3.99	4.02	3.99	0	-	-	-	0.00	$400	$0
	Premium Variable (85% No LMI) (P & I) - Investment	5.04	5.07	5.04	0	-	-	-	0.00	$400	$0
	Premium Standard Variable (Interest Only) - Investment	4.99	5.02	4.99	0	-	-	-	0.00	$400	$0
	Premium Variable (85% No LMI) (Interest Only) - Investment	5.19	5.22	5.19	0	-	-	-	0.00	$400	$0
	Premium Expat Variable (Interest Only) - Investment	4.19	4.22	4.19	0	-	-	-	0.00	$400	$0
	Premium Standard Variable (Interest Only) - Owner Occupied	3.89	3.92	3.89	0	-	-	-	0.00	$400	$0
	Premium Standard Variable (P & I) - Owner Occupied	4.44	4.47	4.44	0	-	-	-	0.00	$400	$0
	Premium Variable (Alt Doc) (P & I) - Owner Occupied	4.49	4.52	4.49	0	-	-	-	0.00	$400	$0
	Premium Variable (Alt Doc) (Interest Only) - Investment	4.94	4.97	4.94	0	-	-	-	0.00	$400	$0
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied	4.64	4.67	4.64	0	-	-	-	0.00	$400	$0
	Premium Standard Variable (P & I) - Investment	4.84	4.87	4.84	0	-	-	-	0.00	$400	$0
	Premium NZ Borrower (Interest Only) - Investment	4.99	5.02	4.99	0	-	-	-	0.00	$400	$0
	Premium Variable (Alt Doc) (P & I) - Investment	4.79	4.82	4.79	0	-	-	-	0.00	$400	$0
	Edge Residential (Prime) (P & I) - Owner Occupied / Investment	5.34	5.37	5.34	0	-	-	-	0.00	$495	$0
	Edge Residential (Prime) (Interest Only) - Owner Occupied / Investment	5.64	5.67	5.64	0	-	-	-	0.00	$495	$0
	Aspire Regional Variable (P & I) - Investment	5.25	5.52	5.25	0	-	-	-	0.00	$595	$0
	Aspire Metro Variable (P & I) - Investment	5.05	5.36	5.05	0	-	-	-	0.00	$595	$0
	Aspire Metro Variable (Interest Only) - Owner Occupied	5.25	5.56	5.25	0	-	-	-	0.00	$595	$0
	Aspire Metro Variable (Interest Only) - Investment	5.55	5.86	5.55	0	-	-	-	0.00	$595	$0
	Aspire Regional Variable (P & I) - Owner Occupied	4.95	5.22	4.95	0	-	-	-	0.00	$595	$0
	Aspire Metro Variable (P & I) - Owner Occupied	4.75	5.07	4.75	0	-	-	-	0.00	$595	$0
	Aspire Regional Variable (Interest Only) - Investment	5.75	6.01	5.75	0	-	-	-	0.00	$595	$0
	Aspire Regional Variable (Interest Only) - Owner Occupied	5.45	5.72	5.45	0	-	-	-	0.00	$595	$0
	Edge Highest & Best Use (< 4 Dwellings) (P & I) - Owner Occupied	7.30	7.34	7.30	0	-	-	-	0.00	$595	$0
	Inactive 30/06/2022 Aspire Metro Variable (Interest Only) - Investment	3.85	4.18	3.85	0	-	-	-	0.00	$595	$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
	Premium Expat Variable (P & I) - Investment		0.00
	Premium Variable (85% No LMI) (P & I) - Investment		0.00
	Premium Standard Variable (Interest Only) - Investment		0.00
	Premium Variable (85% No LMI) (Interest Only) - Investment		0.00
	Premium Expat Variable (Interest Only) - Investment		0.00
	Premium Standard Variable (Interest Only) - Owner Occupied		0.00
	Premium Standard Variable (P & I) - Owner Occupied		0.00
	Premium Variable (Alt Doc) (P & I) - Owner Occupied		0.00
	Premium Variable (Alt Doc) (Interest Only) - Investment		0.00
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Premium Standard Variable (P & I) - Investment		0.00
	Premium NZ Borrower (Interest Only) - Investment		0.00
	Premium Variable (Alt Doc) (P & I) - Investment		0.00
	Edge Residential (Prime) (P & I) - Owner Occupied / Investment		0.00
	Edge Residential (Prime) (Interest Only) - Owner Occupied / Investment		0.00
	Aspire Regional Variable (P & I) - Investment		0.00
	Aspire Metro Variable (P & I) - Investment		0.00
	Aspire Metro Variable (Interest Only) - Owner Occupied		0.00
	Aspire Metro Variable (Interest Only) - Investment		0.00
	Aspire Regional Variable (P & I) - Owner Occupied		0.00
	Aspire Metro Variable (P & I) - Owner Occupied		0.00
	Aspire Regional Variable (Interest Only) - Investment		0.00
	Aspire Regional Variable (Interest Only) - Owner Occupied		0.00
	Edge Highest & Best Use (< 4 Dwellings) (P & I) - Owner Occupied		0.00
	Inactive 30/06/2022 Aspire Metro Variable (Interest Only) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Premium Expat Variable (P & I) - Investment	400.00	0.00	0.00	300.00
	Premium Variable (85% No LMI) (P & I) - Investment	400.00	0.00	0.00	300.00
	Premium Standard Variable (Interest Only) - Investment	400.00	0.00	0.00	300.00
	Premium Variable (85% No LMI) (Interest Only) - Investment	400.00	0.00	0.00	300.00
	Premium Expat Variable (Interest Only) - Investment	400.00	0.00	0.00	300.00
	Premium Standard Variable (Interest Only) - Owner Occupied	400.00	0.00	0.00	300.00
	Premium Standard Variable (P & I) - Owner Occupied	400.00	0.00	0.00	300.00
	Premium Variable (Alt Doc) (P & I) - Owner Occupied	400.00	0.00	0.00	300.00
	Premium Variable (Alt Doc) (Interest Only) - Investment	400.00	0.00	0.00	300.00
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied	400.00	0.00	0.00	300.00
	Premium Standard Variable (P & I) - Investment	400.00	0.00	0.00	300.00
	Premium NZ Borrower (Interest Only) - Investment	400.00	0.00	0.00	300.00
	Premium Variable (Alt Doc) (P & I) - Investment	400.00	0.00	0.00	300.00
	Edge Residential (Prime) (P & I) - Owner Occupied / Investment	495.00	0.00	0.00	450.00
	Edge Residential (Prime) (Interest Only) - Owner Occupied / Investment	495.00	0.00	0.00	450.00
	Aspire Regional Variable (P & I) - Investment	595.00	250.00	0.00	695.00
	Aspire Metro Variable (P & I) - Investment	595.00	295.00	0.00	695.00
	Aspire Metro Variable (Interest Only) - Owner Occupied	595.00	295.00	0.00	695.00
	Aspire Metro Variable (Interest Only) - Investment	595.00	295.00	0.00	695.00
	Aspire Regional Variable (P & I) - Owner Occupied	595.00	250.00	0.00	695.00
	Aspire Metro Variable (P & I) - Owner Occupied	595.00	295.00	0.00	695.00
	Aspire Regional Variable (Interest Only) - Investment	595.00	250.00	0.00	695.00
	Aspire Regional Variable (Interest Only) - Owner Occupied	595.00	250.00	0.00	695.00
	Edge Highest & Best Use (< 4 Dwellings) (P & I) - Owner Occupied	595.00	0.00	0.00	450.00
	Inactive 30/06/2022 Aspire Metro Variable (Interest Only) - Investment	595.00	295.00	0.00	695.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Premium Expat Variable (P & I) - Investment	150000	30	70
	Premium Variable (85% No LMI) (P & I) - Investment	50000	30	85
	Premium Standard Variable (Interest Only) - Investment	150000	30	95
	Premium Variable (85% No LMI) (Interest Only) - Investment	50000	30	85
	Premium Expat Variable (Interest Only) - Investment	150000	30	70
	Premium Standard Variable (Interest Only) - Owner Occupied	150000	30	70
	Premium Standard Variable (P & I) - Owner Occupied	150000	30	80
	Premium Variable (Alt Doc) (P & I) - Owner Occupied	50000	30	70
	Premium Variable (Alt Doc) (Interest Only) - Investment	50000	30	80
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied	50000	30	80
	Premium Standard Variable (P & I) - Investment	150000	30	95
	Premium NZ Borrower (Interest Only) - Investment	150000	30	95
	Premium Variable (Alt Doc) (P & I) - Investment	50000	30	70
	Edge Residential (Prime) (P & I) - Owner Occupied / Investment	100000	30	65
	Edge Residential (Prime) (Interest Only) - Owner Occupied / Investment	100000	30	65
	Aspire Regional Variable (P & I) - Investment	50000	30	70
	Aspire Metro Variable (P & I) - Investment	50000	30	80
	Aspire Metro Variable (Interest Only) - Owner Occupied	50000	30	80
	Aspire Metro Variable (Interest Only) - Investment	50000	30	70
	Aspire Regional Variable (P & I) - Owner Occupied	50000	30	60
	Aspire Metro Variable (P & I) - Owner Occupied	50000	30	90
	Aspire Regional Variable (Interest Only) - Investment	50000	30	70
	Aspire Regional Variable (Interest Only) - Owner Occupied	50000	30	80
	Edge Highest & Best Use (< 4 Dwellings) (P & I) - Owner Occupied	100000	30
	Inactive 30/06/2022 Aspire Metro Variable (Interest Only) - 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
	Premium Expat Variable (P & I) - Investment	$0.00	$0.00
	Premium Variable (85% No LMI) (P & I) - Investment	$0.00	$0.00
	Premium Standard Variable (Interest Only) - Investment	$0.00	$0.00
	Premium Variable (85% No LMI) (Interest Only) - Investment	$0.00	$0.00
	Premium Expat Variable (Interest Only) - Investment	$0.00	$0.00
	Premium Standard Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Premium Standard Variable (P & I) - Owner Occupied	$0.00	$0.00
	Premium Variable (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Premium Variable (Alt Doc) (Interest Only) - Investment	$0.00	$0.00
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied	$0.00	$0.00
	Premium Standard Variable (P & I) - Investment	$0.00	$0.00
	Premium NZ Borrower (Interest Only) - Investment	$0.00	$0.00
	Premium Variable (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Edge Residential (Prime) (P & I) - Owner Occupied / Investment	$0.00	$0.00
	Edge Residential (Prime) (Interest Only) - Owner Occupied / Investment	$0.00	$0.00
	Aspire Regional Variable (P & I) - Investment	$0.00	$0.00
	Aspire Metro Variable (P & I) - Investment	$0.00	$0.00
	Aspire Metro Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Aspire Metro Variable (Interest Only) - Investment	$0.00	$0.00
	Aspire Regional Variable (P & I) - Owner Occupied	$0.00	$0.00
	Aspire Metro Variable (P & I) - Owner Occupied	$0.00	$0.00
	Aspire Regional Variable (Interest Only) - Investment	$0.00	$0.00
	Aspire Regional Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Edge Highest & Best Use (< 4 Dwellings) (P & I) - Owner Occupied	$0.00	$0.00
	Inactive 30/06/2022 Aspire Metro Variable (Interest Only) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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