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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
	Aspire (Construction) (Interest Only) - Owner Occupied	4.35	4.89	4.35	0	-	-	-	0.00	$2,425	$0
	Aspire (Construction) (Interest Only) - Investment	4.65	5.19	4.65	0	-	-	-	0.00	$2,425	$0
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Owner Occupied	7.99	8.18	7.99	0	-	-	-	0.00	$2,455	$0
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Investment	7.13	7.31	7.13	0	-	-	-	0.00	$2,455	$0
	Vivid Prime Variable (Construction) (Interest Only) - Investment	4.99	5.16	4.99	0	-	-	-	0.00	$2,455	$0
	Vivid Prime Variable (Construction) (Interest Only) - Owner Occupied	4.99	5.16	4.99	0	-	-	-	0.00	$2,455	$0
	Edge Residential SMSF (Near Prime) (Interest Only) - Owner Occupied / Investment	6.39	6.58	6.39	0	-	-	-	0.00	$2,645	$0
	Edge Residential SMSF (Near Prime) (P & I) - Owner Occupied / Investment	6.09	6.28	6.09	0	-	-	-	0.00	$2,645	$0
	True Blue SMSF (P & I) - Investment	5.48	5.79	5.48	0	-	-	-	0.00	$2,820	$0
	True Blue SMSF (Interest Only) - Investment	5.73	6.04	5.73	0	-	-	-	0.00	$2,820	$0
	Edge Residential SMSF (Prime) (P & I) - Owner Occupied / Investment	4.94	5.19	4.94	0	-	-	-	0.00	$3,635	$0
	Edge Residential SMSF (Prime) (Interest Only) - Owner Occupied / Investment	5.24	5.49	5.24	0	-	-	-	0.00	$3,635	$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
	Aspire (Construction) (Interest Only) - Owner Occupied		0.00
	Aspire (Construction) (Interest Only) - Investment		0.00
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Owner Occupied		0.00
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Investment		0.00
	Vivid Prime Variable (Construction) (Interest Only) - Investment		0.00
	Vivid Prime Variable (Construction) (Interest Only) - Owner Occupied		0.00
	Edge Residential SMSF (Near Prime) (Interest Only) - Owner Occupied / Investment		0.00
	Edge Residential SMSF (Near Prime) (P & I) - Owner Occupied / Investment		0.00
	True Blue SMSF (P & I) - Investment		0.00
	True Blue SMSF (Interest Only) - Investment		0.00
	Edge Residential SMSF (Prime) (P & I) - Owner Occupied / Investment		0.00
	Edge Residential SMSF (Prime) (Interest Only) - Owner Occupied / Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Aspire (Construction) (Interest Only) - Owner Occupied	2,425.00	395.00	0.00	695.00
	Aspire (Construction) (Interest Only) - Investment	2,425.00	395.00	0.00	695.00
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Owner Occupied	2,455.00	0.00	0.00	550.00
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Investment	2,455.00	0.00	0.00	550.00
	Vivid Prime Variable (Construction) (Interest Only) - Investment	2,455.00	0.00	0.00	550.00
	Vivid Prime Variable (Construction) (Interest Only) - Owner Occupied	2,455.00	0.00	0.00	550.00
	Edge Residential SMSF (Near Prime) (Interest Only) - Owner Occupied / Investment	2,645.00	0.00	0.00	450.00
	Edge Residential SMSF (Near Prime) (P & I) - Owner Occupied / Investment	2,645.00	0.00	0.00	450.00
	True Blue SMSF (P & I) - Investment	2,820.00	120.00	0.00	375.00
	True Blue SMSF (Interest Only) - Investment	2,820.00	120.00	0.00	375.00
	Edge Residential SMSF (Prime) (P & I) - Owner Occupied / Investment	3,635.00	0.00	0.00	450.00
	Edge Residential SMSF (Prime) (Interest Only) - Owner Occupied / Investment	3,635.00	0.00	0.00	450.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Aspire (Construction) (Interest Only) - Owner Occupied	50000	30	60
	Aspire (Construction) (Interest Only) - Investment	50000	30	60
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Owner Occupied	200000	30	80
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Investment	200000	30	75
	Vivid Prime Variable (Construction) (Interest Only) - Investment	200000	30	80
	Vivid Prime Variable (Construction) (Interest Only) - Owner Occupied	200000	30	65
	Edge Residential SMSF (Near Prime) (Interest Only) - Owner Occupied / Investment	100000	30	75
	Edge Residential SMSF (Near Prime) (P & I) - Owner Occupied / Investment	100000	30	75
	True Blue SMSF (P & I) - Investment	150000	30	80
	True Blue SMSF (Interest Only) - Investment	150000	30	80
	Edge Residential SMSF (Prime) (P & I) - Owner Occupied / Investment	100000	30	80
	Edge Residential SMSF (Prime) (Interest Only) - Owner Occupied / Investment	100000	30	65
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Aspire (Construction) (Interest Only) - Owner Occupied	$0.00	$0.00
	Aspire (Construction) (Interest Only) - Investment	$0.00	$0.00
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Owner Occupied	$0.00	$0.00
	Vivid Prime Variable (Alt Doc) (Construction) (Interest Only) - Investment	$0.00	$0.00
	Vivid Prime Variable (Construction) (Interest Only) - Investment	$0.00	$0.00
	Vivid Prime Variable (Construction) (Interest Only) - Owner Occupied	$0.00	$0.00
	Edge Residential SMSF (Near Prime) (Interest Only) - Owner Occupied / Investment	$0.00	$0.00
	Edge Residential SMSF (Near Prime) (P & I) - Owner Occupied / Investment	$0.00	$0.00
	True Blue SMSF (P & I) - Investment	$0.00	$0.00
	True Blue SMSF (Interest Only) - Investment	$0.00	$0.00
	Edge Residential SMSF (Prime) (P & I) - Owner Occupied / Investment	$0.00	$0.00
	Edge Residential SMSF (Prime) (Interest Only) - Owner Occupied / Investment	$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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