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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
	Vivid Non-Resident Variable (Self-Employed) (Interest Only) - Owner Occupied/Investment	6.28	6.38	6.28	0	-	-	-	0.00	$1,355	$0
	Vivid Non-Resident Variable (Employed) (Alt Doc) (Interest Only) - Owner Occupied/Investment	5.98	6.08	5.98	0	-	-	-	0.00	$1,355	$0
	Vivid Non-Resident Variable (Employed) (P & I) - Owner Occupied/Investment	6.23	6.33	6.23	0	-	-	-	0.00	$1,355	$0
	Bold Expat Variable (Alt Doc) (Interest Only) - Owner Occupied	5.10	5.19	5.10	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (P & I) - Investment	5.00	5.09	5.00	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (P & I) - Owner Occupied	4.80	4.89	4.80	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (Interest Only) - Investment	5.30	5.40	5.30	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (Interest Only) - Owner Occupied	5.10	5.19	5.10	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (Interest Only) - Investment	5.30	5.40	5.30	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (P & I) - Investment	5.00	5.09	5.00	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (Alt Doc) (P & I) - Owner Occupied	4.80	4.89	4.80	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (P & I) - Owner Occupied	4.80	4.89	4.80	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (Alt Doc) (Interest Only) - Investment	5.30	5.40	5.30	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Investment	5.30	5.40	5.30	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (Alt Doc) (P & I) - Investment	5.00	5.09	5.00	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (Alt Doc) (P & I) - Owner Occupied	4.80	4.89	4.80	0	-	-	-	0.00	$1,390	$0
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Owner Occupied	5.10	5.19	5.10	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (Interest Only) - Owner Occupied	5.10	5.19	5.10	0	-	-	-	0.00	$1,390	$0
	Bold Expat Variable (Alt Doc) (P & I) - Investment	5.00	5.09	5.00	0	-	-	-	0.00	$1,390	$0
	Optimal Platinum Variable Special (P & I) - Owner Occupied	3.59	4.08	3.59	0	-	-	-	0.00	$1,460	$0
	Optimal Platinum Variable (P & I) - Investment	4.39	4.86	4.39	0	-	-	-	0.00	$1,460	$0
	Optimal Platinum Variable (P & I) - Owner Occupied	3.94	4.42	3.94	0	-	-	-	0.00	$1,460	$0
	Optimal Platinum Variable Special (Interest Only) - Investment	4.04	4.52	4.04	0	-	-	-	0.00	$1,460	$0
	Optimal Platinum Variable (Interest Only) - Investment	4.74	5.21	4.74	0	-	-	-	0.00	$1,460	$0
	Optimal Platinum Variable Special (P & I) - Investment	3.74	4.23	3.74	0	-	-	-	0.00	$1,460	$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
	Vivid Non-Resident Variable (Self-Employed) (Interest Only) - Owner Occupied/Investment		0.00
	Vivid Non-Resident Variable (Employed) (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Vivid Non-Resident Variable (Employed) (P & I) - Owner Occupied/Investment		0.00
	Bold Expat Variable (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Bold Visa Holder Variable (P & I) - Investment		0.00
	Bold Expat Variable (P & I) - Owner Occupied		0.00
	Bold Visa Holder Variable (Interest Only) - Investment		0.00
	Bold Visa Holder Variable (Interest Only) - Owner Occupied		0.00
	Bold Expat Variable (Interest Only) - Investment		0.00
	Bold Expat Variable (P & I) - Investment		0.00
	Bold Expat Variable (Alt Doc) (P & I) - Owner Occupied		0.00
	Bold Visa Holder Variable (P & I) - Owner Occupied		0.00
	Bold Expat Variable (Alt Doc) (Interest Only) - Investment		0.00
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Investment		0.00
	Bold Visa Holder Variable (Alt Doc) (P & I) - Investment		0.00
	Bold Visa Holder Variable (Alt Doc) (P & I) - Owner Occupied		0.00
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Bold Expat Variable (Interest Only) - Owner Occupied		0.00
	Bold Expat Variable (Alt Doc) (P & I) - Investment		0.00
	Optimal Platinum Variable Special (P & I) - Owner Occupied		0.00
	Optimal Platinum Variable (P & I) - Investment		0.00
	Optimal Platinum Variable (P & I) - Owner Occupied		0.00
	Optimal Platinum Variable Special (Interest Only) - Investment		0.00
	Optimal Platinum Variable (Interest Only) - Investment		0.00
	Optimal Platinum Variable Special (P & I) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Vivid Non-Resident Variable (Self-Employed) (Interest Only) - Owner Occupied/Investment	1,355.00	0.00	0.00	550.00
	Vivid Non-Resident Variable (Employed) (Alt Doc) (Interest Only) - Owner Occupied/Investment	1,355.00	0.00	0.00	550.00
	Vivid Non-Resident Variable (Employed) (P & I) - Owner Occupied/Investment	1,355.00	0.00	0.00	550.00
	Bold Expat Variable (Alt Doc) (Interest Only) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (P & I) - Investment	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (P & I) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (Interest Only) - Investment	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (Interest Only) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (Interest Only) - Investment	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (P & I) - Investment	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (Alt Doc) (P & I) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (P & I) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (Alt Doc) (Interest Only) - Investment	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Investment	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (Alt Doc) (P & I) - Investment	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (Alt Doc) (P & I) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (Interest Only) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Bold Expat Variable (Alt Doc) (P & I) - Investment	1,390.00	0.00	0.00	550.00
	Optimal Platinum Variable Special (P & I) - Owner Occupied	1,460.00	395.00	0.00	595.00
	Optimal Platinum Variable (P & I) - Investment	1,460.00	395.00	0.00	595.00
	Optimal Platinum Variable (P & I) - Owner Occupied	1,460.00	395.00	0.00	595.00
	Optimal Platinum Variable Special (Interest Only) - Investment	1,460.00	395.00	0.00	595.00
	Optimal Platinum Variable (Interest Only) - Investment	1,460.00	395.00	0.00	595.00
	Optimal Platinum Variable Special (P & I) - Investment	1,460.00	395.00	0.00	595.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Vivid Non-Resident Variable (Self-Employed) (Interest Only) - Owner Occupied/Investment	150000	30	75
	Vivid Non-Resident Variable (Employed) (Alt Doc) (Interest Only) - Owner Occupied/Investment	150000	30	75
	Vivid Non-Resident Variable (Employed) (P & I) - Owner Occupied/Investment	150000	30	80
	Bold Expat Variable (Alt Doc) (Interest Only) - Owner Occupied	150000	30	75
	Bold Visa Holder Variable (P & I) - Investment	150000	30	65
	Bold Expat Variable (P & I) - Owner Occupied	150000	30	50
	Bold Visa Holder Variable (Interest Only) - Investment	150000	30	65
	Bold Visa Holder Variable (Interest Only) - Owner Occupied	150000	30	75
	Bold Expat Variable (Interest Only) - Investment	150000	30	65
	Bold Expat Variable (P & I) - Investment	150000	30	50
	Bold Expat Variable (Alt Doc) (P & I) - Owner Occupied	150000	30	75
	Bold Visa Holder Variable (P & I) - Owner Occupied	150000	30	50
	Bold Expat Variable (Alt Doc) (Interest Only) - Investment	150000	30	50
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Investment	150000	30	75
	Bold Visa Holder Variable (Alt Doc) (P & I) - Investment	150000	30	70
	Bold Visa Holder Variable (Alt Doc) (P & I) - Owner Occupied	150000	30	70
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Owner Occupied	150000	30	75
	Bold Expat Variable (Interest Only) - Owner Occupied	150000	30	75
	Bold Expat Variable (Alt Doc) (P & I) - Investment	150000	30	70
	Optimal Platinum Variable Special (P & I) - Owner Occupied	50000	30	95
	Optimal Platinum Variable (P & I) - Investment	50000	30	90
	Optimal Platinum Variable (P & I) - Owner Occupied	50000	30	60
	Optimal Platinum Variable Special (Interest Only) - Investment	50000	30
	Optimal Platinum Variable (Interest Only) - Investment	50000	30	80
	Optimal Platinum Variable Special (P & I) - Investment	50000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Vivid Non-Resident Variable (Self-Employed) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Vivid Non-Resident Variable (Employed) (Alt Doc) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Vivid Non-Resident Variable (Employed) (P & I) - Owner Occupied/Investment	$0.00	$0.00
	Bold Expat Variable (Alt Doc) (Interest Only) - Owner Occupied	$0.00	$0.00
	Bold Visa Holder Variable (P & I) - Investment	$0.00	$0.00
	Bold Expat Variable (P & I) - Owner Occupied	$0.00	$0.00
	Bold Visa Holder Variable (Interest Only) - Investment	$0.00	$0.00
	Bold Visa Holder Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Bold Expat Variable (Interest Only) - Investment	$0.00	$0.00
	Bold Expat Variable (P & I) - Investment	$0.00	$0.00
	Bold Expat Variable (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Bold Visa Holder Variable (P & I) - Owner Occupied	$0.00	$0.00
	Bold Expat Variable (Alt Doc) (Interest Only) - Investment	$0.00	$0.00
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Investment	$0.00	$0.00
	Bold Visa Holder Variable (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Bold Visa Holder Variable (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Bold Visa Holder Variable (Alt Doc) (Interest Only) - Owner Occupied	$0.00	$0.00
	Bold Expat Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	Bold Expat Variable (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Optimal Platinum Variable Special (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Platinum Variable (P & I) - Investment	$0.00	$0.00
	Optimal Platinum Variable (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Platinum Variable Special (Interest Only) - Investment	$0.00	$0.00
	Optimal Platinum Variable (Interest Only) - Investment	$0.00	$0.00
	Optimal Platinum Variable Special (P & I) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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