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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
	Edge Highest & Best Use (> 4 Dwellings) (Interest Only) - Owner Occupied	7.50	7.55	7.50	0	-	-	-	0.00	$595	$0
	Edge Highest & Best Use (< 4 Dwellings) (Interest Only) - Owner Occupied	7.30	7.34	7.30	0	-	-	-	0.00	$595	$0
	Edge Highest & Best Use (> 4 Dwellings) (P & I) - Owner Occupied	7.50	7.55	7.50	0	-	-	-	0.00	$595	$0
	Optimal Basic Variable (P & I) - Investment	5.44	5.85	5.44	0	-	-	-	0.00	$745	$0
	Optimal Basic Variable (P & I) - Owner Occupied	4.99	5.41	4.99	0	-	-	-	0.00	$745	$0
	Optimal Basic Variable (Interest Only) - Investment	5.79	6.19	5.79	0	-	-	-	0.00	$745	$0
	Optimal Silver Variable (P & I) - Owner Occupied	6.49	6.88	6.49	0	-	-	-	0.00	$745	$0
	Optimal Silver Variable (P & I) - Investment	6.94	7.33	6.94	0	-	-	-	0.00	$745	$0
	Optimal Silver Variable (Interest Only) - Investment	7.29	7.67	7.29	0	-	-	-	0.00	$745	$0
	Optimal SMSF Combo (Interest Only) - Investment	7.93	8.31	7.93	0	-	-	-	0.00	$790	$0
	Optimal SMSF (Interest Only) - Investment	8.38	8.76	8.38	0	-	-	-	0.00	$790	$0
	Optimal SMSF (P & I) - Investment	7.88	8.26	7.88	0	-	-	-	0.00	$790	$0
	Optimal SMSF Combo (P & I) - Investment	7.43	7.82	7.43	0	-	-	-	0.00	$790	$0
	Leo Clear Non Resident (Inner City Apartments) (P & I) - Investment	7.19	7.41	7.19	0	-	-	-	0.00	$855	$0
	Leo Clear Non Resident Standard (Interest Only) - Investment	7.59	7.81	7.59	0	-	-	-	0.00	$855	$0
	Leo Expat Clear (Interest Only) - Investment	6.59	6.81	6.59	0	-	-	-	0.00	$855	$0
	Leo Clear Non Resident Standard (P & I) - Investment	7.19	7.41	7.19	0	-	-	-	0.00	$855	$0
	Leo Expat Clear (P & I) - Investment	6.19	6.41	6.19	0	-	-	-	0.00	$855	$0
	Leo Clear Non Resident (Inner City Apartments) (Interest Only) - Investment	7.59	7.81	7.59	0	-	-	-	0.00	$855	$0
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	5.79	5.86	5.79	0	-	-	-	0.00	$990	$0
	Edge Residential (Near Prime) (P & I) - Owner Occupied / Investment	5.49	5.56	5.49	0	-	-	-	0.00	$990	$0
	Aspire Expat & Visa Holder (Regular) (Construction) (Interest Only) - Owner Occupied	6.25	6.75	6.25	0	-	-	-	0.00	$1,025	$0
	Aspire Expat & Visa Holder (Regular) (P & I) - Investment	5.55	6.06	5.55	0	-	-	-	0.00	$1,025	$0
	Aspire Expat & Visa Holder (Regular) (Interest Only) - Owner Occupied	5.55	6.06	5.55	0	-	-	-	0.00	$1,025	$0
	Aspire Expat & Visa Holder (Standard Prime) (Interest Only) - Investment	5.25	5.77	5.25	0	-	-	-	0.00	$1,025	$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
	Edge Highest & Best Use (> 4 Dwellings) (Interest Only) - Owner Occupied		0.00
	Edge Highest & Best Use (< 4 Dwellings) (Interest Only) - Owner Occupied		0.00
	Edge Highest & Best Use (> 4 Dwellings) (P & I) - Owner Occupied		0.00
	Optimal Basic Variable (P & I) - Investment		0.00
	Optimal Basic Variable (P & I) - Owner Occupied		0.00
	Optimal Basic Variable (Interest Only) - Investment		0.00
	Optimal Silver Variable (P & I) - Owner Occupied		0.00
	Optimal Silver Variable (P & I) - Investment		0.00
	Optimal Silver Variable (Interest Only) - Investment		0.00
	Optimal SMSF Combo (Interest Only) - Investment		0.00
	Optimal SMSF (Interest Only) - Investment		0.00
	Optimal SMSF (P & I) - Investment		0.00
	Optimal SMSF Combo (P & I) - Investment		0.00
	Leo Clear Non Resident (Inner City Apartments) (P & I) - Investment		0.00
	Leo Clear Non Resident Standard (Interest Only) - Investment		0.00
	Leo Expat Clear (Interest Only) - Investment		0.00
	Leo Clear Non Resident Standard (P & I) - Investment		0.00
	Leo Expat Clear (P & I) - Investment		0.00
	Leo Clear Non Resident (Inner City Apartments) (Interest Only) - Investment		0.00
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment		0.00
	Edge Residential (Near Prime) (P & I) - Owner Occupied / Investment		0.00
	Aspire Expat & Visa Holder (Regular) (Construction) (Interest Only) - Owner Occupied		0.00
	Aspire Expat & Visa Holder (Regular) (P & I) - Investment		0.00
	Aspire Expat & Visa Holder (Regular) (Interest Only) - Owner Occupied		0.00
	Aspire Expat & Visa Holder (Standard Prime) (Interest Only) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Edge Highest & Best Use (> 4 Dwellings) (Interest Only) - Owner Occupied	595.00	0.00	0.00	450.00
	Edge Highest & Best Use (< 4 Dwellings) (Interest Only) - Owner Occupied	595.00	0.00	0.00	450.00
	Edge Highest & Best Use (> 4 Dwellings) (P & I) - Owner Occupied	595.00	0.00	0.00	450.00
	Optimal Basic Variable (P & I) - Investment	745.00	395.00	0.00	595.00
	Optimal Basic Variable (P & I) - Owner Occupied	745.00	395.00	0.00	595.00
	Optimal Basic Variable (Interest Only) - Investment	745.00	395.00	0.00	595.00
	Optimal Silver Variable (P & I) - Owner Occupied	745.00	395.00	0.00	595.00
	Optimal Silver Variable (P & I) - Investment	745.00	395.00	0.00	595.00
	Optimal Silver Variable (Interest Only) - Investment	745.00	395.00	0.00	595.00
	Optimal SMSF Combo (Interest Only) - Investment	790.00	395.00	0.00	595.00
	Optimal SMSF (Interest Only) - Investment	790.00	395.00	0.00	595.00
	Optimal SMSF (P & I) - Investment	790.00	395.00	0.00	595.00
	Optimal SMSF Combo (P & I) - Investment	790.00	395.00	0.00	595.00
	Leo Clear Non Resident (Inner City Apartments) (P & I) - Investment	855.00	0.00	15.00	0.00
	Leo Clear Non Resident Standard (Interest Only) - Investment	855.00	0.00	15.00	0.00
	Leo Expat Clear (Interest Only) - Investment	855.00	0.00	15.00	0.00
	Leo Clear Non Resident Standard (P & I) - Investment	855.00	0.00	15.00	0.00
	Leo Expat Clear (P & I) - Investment	855.00	0.00	15.00	0.00
	Leo Clear Non Resident (Inner City Apartments) (Interest Only) - Investment	855.00	0.00	15.00	0.00
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	990.00	0.00	0.00	450.00
	Edge Residential (Near Prime) (P & I) - Owner Occupied / Investment	990.00	0.00	0.00	450.00
	Aspire Expat & Visa Holder (Regular) (Construction) (Interest Only) - Owner Occupied	1,025.00	495.00	0.00	1,195.00
	Aspire Expat & Visa Holder (Regular) (P & I) - Investment	1,025.00	495.00	0.00	695.00
	Aspire Expat & Visa Holder (Regular) (Interest Only) - Owner Occupied	1,025.00	495.00	0.00	695.00
	Aspire Expat & Visa Holder (Standard Prime) (Interest Only) - Investment	1,025.00	495.00	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
	Edge Highest & Best Use (> 4 Dwellings) (Interest Only) - Owner Occupied	100000	30
	Edge Highest & Best Use (< 4 Dwellings) (Interest Only) - Owner Occupied	100000	30
	Edge Highest & Best Use (> 4 Dwellings) (P & I) - Owner Occupied	100000	30
	Optimal Basic Variable (P & I) - Investment	250000	30
	Optimal Basic Variable (P & I) - Owner Occupied	250000	30
	Optimal Basic Variable (Interest Only) - Investment	250000	30
	Optimal Silver Variable (P & I) - Owner Occupied	50000	30	80
	Optimal Silver Variable (P & I) - Investment	50000	30	80
	Optimal Silver Variable (Interest Only) - Investment	50000	30	60
	Optimal SMSF Combo (Interest Only) - Investment	150000	30
	Optimal SMSF (Interest Only) - Investment	150000	30	70
	Optimal SMSF (P & I) - Investment	150000	30	70
	Optimal SMSF Combo (P & I) - Investment	150000	30
	Leo Clear Non Resident (Inner City Apartments) (P & I) - Investment	100000	30	70
	Leo Clear Non Resident Standard (Interest Only) - Investment	100000	30	75
	Leo Expat Clear (Interest Only) - Investment	100000	30	65
	Leo Clear Non Resident Standard (P & I) - Investment	100000	30	75
	Leo Expat Clear (P & I) - Investment	100000	30	65
	Leo Clear Non Resident (Inner City Apartments) (Interest Only) - Investment	100000	30	75
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	100000	30	75
	Edge Residential (Near Prime) (P & I) - Owner Occupied / Investment	100000	30	75
	Aspire Expat & Visa Holder (Regular) (Construction) (Interest Only) - Owner Occupied	50000	30	80
	Aspire Expat & Visa Holder (Regular) (P & I) - Investment	50000	30	80
	Aspire Expat & Visa Holder (Regular) (Interest Only) - Owner Occupied	50000	30	60
	Aspire Expat & Visa Holder (Standard Prime) (Interest Only) - Investment	50000	30	70
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Edge Highest & Best Use (> 4 Dwellings) (Interest Only) - Owner Occupied	$0.00	$0.00
	Edge Highest & Best Use (< 4 Dwellings) (Interest Only) - Owner Occupied	$0.00	$0.00
	Edge Highest & Best Use (> 4 Dwellings) (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Basic Variable (P & I) - Investment	$0.00	$0.00
	Optimal Basic Variable (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Basic Variable (Interest Only) - Investment	$0.00	$0.00
	Optimal Silver Variable (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Silver Variable (P & I) - Investment	$0.00	$0.00
	Optimal Silver Variable (Interest Only) - Investment	$0.00	$0.00
	Optimal SMSF Combo (Interest Only) - Investment	$0.00	$0.00
	Optimal SMSF (Interest Only) - Investment	$0.00	$0.00
	Optimal SMSF (P & I) - Investment	$0.00	$0.00
	Optimal SMSF Combo (P & I) - Investment	$0.00	$0.00
	Leo Clear Non Resident (Inner City Apartments) (P & I) - Investment	$0.00	$0.00
	Leo Clear Non Resident Standard (Interest Only) - Investment	$0.00	$0.00
	Leo Expat Clear (Interest Only) - Investment	$0.00	$0.00
	Leo Clear Non Resident Standard (P & I) - Investment	$0.00	$0.00
	Leo Expat Clear (P & I) - Investment	$0.00	$0.00
	Leo Clear Non Resident (Inner City Apartments) (Interest Only) - Investment	$0.00	$0.00
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	$0.00	$0.00
	Edge Residential (Near Prime) (P & I) - Owner Occupied / Investment	$0.00	$0.00
	Aspire Expat & Visa Holder (Regular) (Construction) (Interest Only) - Owner Occupied	$0.00	$0.00
	Aspire Expat & Visa Holder (Regular) (P & I) - Investment	$0.00	$0.00
	Aspire Expat & Visa Holder (Regular) (Interest Only) - Owner Occupied	$0.00	$0.00
	Aspire Expat & Visa Holder (Standard Prime) (Interest Only) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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