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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
	Optimal Specialist 2 (P & I) - Owner Occupied	5.49	5.95	5.49	0	-	-	-	0.00	$1,560	$0
	Optimal Specialist 1 (P & I) - Investment	5.64	6.10	5.64	0	-	-	-	0.00	$1,560	$0
	Optimal Specialist 1 (P & I) - Owner Occupied	4.99	5.46	4.99	0	-	-	-	0.00	$1,560	$0
	Optimal Platinum Variable Special (Low Doc) (Interest Only) - Investment	4.74	5.21	4.74	0	-	-	-	0.00	$1,560	$0
	Optimal Specialist 3 (P & I) - Owner Occupied	5.99	6.45	5.99	0	-	-	-	0.00	$1,560	$0
	Optimal Platinum Variable Special (Low Doc) (P & I) - Investment	4.44	4.92	4.44	0	-	-	-	0.00	$1,560	$0
	Optimal Specialist 1 (Up to $2M) (P & I) - Owner Occupied	4.39	4.87	4.39	0	-	-	-	0.00	$1,560	$0
	Optimal Specialist 1 (Interest Only) - Investment	6.19	6.65	6.19	0	-	-	-	0.00	$1,560	$0
	Optimal Platinum Variable Special (Low Doc) (P & I) - Owner Occupied	3.94	4.43	3.94	0	-	-	-	0.00	$1,560	$0
	True Blue Variable (Interest Only) - Investment	4.23	4.45	4.23	0	-	-	-	0.00	$1,580	$0
	True Blue Variable (P & I) - Investment	3.98	4.20	3.98	0	-	-	-	0.00	$1,580	$0
	True Blue Variable (Interest Only) - Owner Occupied	4.43	4.65	4.43	0	-	-	-	0.00	$1,580	$0
	True Blue Variable (P & I) - Owner Occupied	4.18	4.40	4.18	0	-	-	-	0.00	$1,580	$0
	Bold SMSF (No Offset) (P & I) - Investment	5.17	5.28	5.17	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (Regional) (With Offset) (P & I) - Investment	5.47	5.58	5.47	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (Regional) (No Offset) (P & I) - Investment	5.37	5.48	5.37	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (With Offset) (P & I) - Investment	5.27	5.38	5.27	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (With Offset) (Interest Only) - Investment	5.57	5.68	5.57	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (Regional) (No Offset) (Interest Only) - Investment	5.67	5.78	5.67	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (Regional) (With Offset) (Interest Only) - Investment	5.77	5.89	5.77	0	-	-	-	0.00	$1,645	$0
	Bold SMSF (No Offset) (Interest Only) - Investment	5.47	5.58	5.47	0	-	-	-	0.00	$1,645	$0
	Vivid Non-Resident Variable (Self-Employed) (Construction) (Interest Only) - Owner Occupied/Investment	6.09	6.21	6.09	0	-	-	-	0.00	$1,655	$0
	Vivid Non-Resident Variable (Employed) (Construction) (Interest Only) - Owner Occupied/Investment	5.79	5.91	5.79	0	-	-	-	0.00	$1,655	$0
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (P & I ) - Owner Occupied/Investment	6.58	6.70	6.58	0	-	-	-	0.00	$1,655	$0
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (Interest Only) - Owner Occupied/Investment	6.58	6.70	6.58	0	-	-	-	0.00	$1,655	$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
	Optimal Specialist 2 (P & I) - Owner Occupied		0.00
	Optimal Specialist 1 (P & I) - Investment		0.00
	Optimal Specialist 1 (P & I) - Owner Occupied		0.00
	Optimal Platinum Variable Special (Low Doc) (Interest Only) - Investment		0.00
	Optimal Specialist 3 (P & I) - Owner Occupied		0.00
	Optimal Platinum Variable Special (Low Doc) (P & I) - Investment		0.00
	Optimal Specialist 1 (Up to $2M) (P & I) - Owner Occupied		0.00
	Optimal Specialist 1 (Interest Only) - Investment		0.00
	Optimal Platinum Variable Special (Low Doc) (P & I) - Owner Occupied		0.00
	True Blue Variable (Interest Only) - Investment		0.00
	True Blue Variable (P & I) - Investment		0.00
	True Blue Variable (Interest Only) - Owner Occupied		0.00
	True Blue Variable (P & I) - Owner Occupied		0.00
	Bold SMSF (No Offset) (P & I) - Investment		0.00
	Bold SMSF (Regional) (With Offset) (P & I) - Investment		0.00
	Bold SMSF (Regional) (No Offset) (P & I) - Investment		0.00
	Bold SMSF (With Offset) (P & I) - Investment		0.00
	Bold SMSF (With Offset) (Interest Only) - Investment		0.00
	Bold SMSF (Regional) (No Offset) (Interest Only) - Investment		0.00
	Bold SMSF (Regional) (With Offset) (Interest Only) - Investment		0.00
	Bold SMSF (No Offset) (Interest Only) - Investment		0.00
	Vivid Non-Resident Variable (Self-Employed) (Construction) (Interest Only) - Owner Occupied/Investment		0.00
	Vivid Non-Resident Variable (Employed) (Construction) (Interest Only) - Owner Occupied/Investment		0.00
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (P & I ) - Owner Occupied/Investment		0.00
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (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
	Optimal Specialist 2 (P & I) - Owner Occupied	1,560.00	395.00	0.00	595.00
	Optimal Specialist 1 (P & I) - Investment	1,560.00	395.00	0.00	595.00
	Optimal Specialist 1 (P & I) - Owner Occupied	1,560.00	395.00	0.00	595.00
	Optimal Platinum Variable Special (Low Doc) (Interest Only) - Investment	1,560.00	395.00	0.00	595.00
	Optimal Specialist 3 (P & I) - Owner Occupied	1,560.00	395.00	0.00	595.00
	Optimal Platinum Variable Special (Low Doc) (P & I) - Investment	1,560.00	395.00	0.00	595.00
	Optimal Specialist 1 (Up to $2M) (P & I) - Owner Occupied	1,560.00	395.00	0.00	595.00
	Optimal Specialist 1 (Interest Only) - Investment	1,560.00	395.00	0.00	595.00
	Optimal Platinum Variable Special (Low Doc) (P & I) - Owner Occupied	1,560.00	395.00	0.00	595.00
	True Blue Variable (Interest Only) - Investment	1,580.00	120.00	0.00	375.00
	True Blue Variable (P & I) - Investment	1,580.00	120.00	0.00	375.00
	True Blue Variable (Interest Only) - Owner Occupied	1,580.00	120.00	0.00	375.00
	True Blue Variable (P & I) - Owner Occupied	1,580.00	120.00	0.00	375.00
	Bold SMSF (No Offset) (P & I) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (Regional) (With Offset) (P & I) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (Regional) (No Offset) (P & I) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (With Offset) (P & I) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (With Offset) (Interest Only) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (Regional) (No Offset) (Interest Only) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (Regional) (With Offset) (Interest Only) - Investment	1,645.00	0.00	0.00	895.00
	Bold SMSF (No Offset) (Interest Only) - Investment	1,645.00	0.00	0.00	895.00
	Vivid Non-Resident Variable (Self-Employed) (Construction) (Interest Only) - Owner Occupied/Investment	1,655.00	0.00	0.00	550.00
	Vivid Non-Resident Variable (Employed) (Construction) (Interest Only) - Owner Occupied/Investment	1,655.00	0.00	0.00	550.00
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (P & I ) - Owner Occupied/Investment	1,655.00	0.00	0.00	550.00
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (Interest Only) - Owner Occupied/Investment	1,655.00	0.00	0.00	550.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Optimal Specialist 2 (P & I) - Owner Occupied	50000	30
	Optimal Specialist 1 (P & I) - Investment	50000	30	70
	Optimal Specialist 1 (P & I) - Owner Occupied	50000	30
	Optimal Platinum Variable Special (Low Doc) (Interest Only) - Investment	50000	30	80
	Optimal Specialist 3 (P & I) - Owner Occupied	50000	30
	Optimal Platinum Variable Special (Low Doc) (P & I) - Investment	50000	30	60
	Optimal Specialist 1 (Up to $2M) (P & I) - Owner Occupied	50000	30	60
	Optimal Specialist 1 (Interest Only) - Investment	50000	30	80
	Optimal Platinum Variable Special (Low Doc) (P & I) - Owner Occupied	50000	30	80
	True Blue Variable (Interest Only) - Investment	100000	30	80
	True Blue Variable (P & I) - Investment	100000	30	80
	True Blue Variable (Interest Only) - Owner Occupied	100000	30	85
	True Blue Variable (P & I) - Owner Occupied	100000	30	80
	Bold SMSF (No Offset) (P & I) - Investment	100000	30	80
	Bold SMSF (Regional) (With Offset) (P & I) - Investment	100000	30	60
	Bold SMSF (Regional) (No Offset) (P & I) - Investment	100000	30	60
	Bold SMSF (With Offset) (P & I) - Investment	100000	30	75
	Bold SMSF (With Offset) (Interest Only) - Investment	100000	30	65
	Bold SMSF (Regional) (No Offset) (Interest Only) - Investment	100000	30	60
	Bold SMSF (Regional) (With Offset) (Interest Only) - Investment	100000	30	60
	Bold SMSF (No Offset) (Interest Only) - Investment	100000	30	75
	Vivid Non-Resident Variable (Self-Employed) (Construction) (Interest Only) - Owner Occupied/Investment	200000	30	70
	Vivid Non-Resident Variable (Employed) (Construction) (Interest Only) - Owner Occupied/Investment	200000	30	70
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (P & I ) - Owner Occupied/Investment	200000	30	65
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (Interest Only) - Owner Occupied/Investment	200000	30	70
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Optimal Specialist 2 (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Specialist 1 (P & I) - Investment	$0.00	$0.00
	Optimal Specialist 1 (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Platinum Variable Special (Low Doc) (Interest Only) - Investment	$0.00	$0.00
	Optimal Specialist 3 (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Platinum Variable Special (Low Doc) (P & I) - Investment	$0.00	$0.00
	Optimal Specialist 1 (Up to $2M) (P & I) - Owner Occupied	$0.00	$0.00
	Optimal Specialist 1 (Interest Only) - Investment	$0.00	$0.00
	Optimal Platinum Variable Special (Low Doc) (P & I) - Owner Occupied	$0.00	$0.00
	True Blue Variable (Interest Only) - Investment	$0.00	$0.00
	True Blue Variable (P & I) - Investment	$0.00	$0.00
	True Blue Variable (Interest Only) - Owner Occupied	$0.00	$0.00
	True Blue Variable (P & I) - Owner Occupied	$0.00	$0.00
	Bold SMSF (No Offset) (P & I) - Investment	$0.00	$0.00
	Bold SMSF (Regional) (With Offset) (P & I) - Investment	$0.00	$0.00
	Bold SMSF (Regional) (No Offset) (P & I) - Investment	$0.00	$0.00
	Bold SMSF (With Offset) (P & I) - Investment	$0.00	$0.00
	Bold SMSF (With Offset) (Interest Only) - Investment	$0.00	$0.00
	Bold SMSF (Regional) (No Offset) (Interest Only) - Investment	$0.00	$0.00
	Bold SMSF (Regional) (With Offset) (Interest Only) - Investment	$0.00	$0.00
	Bold SMSF (No Offset) (Interest Only) - Investment	$0.00	$0.00
	Vivid Non-Resident Variable (Self-Employed) (Construction) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Vivid Non-Resident Variable (Employed) (Construction) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (P & I ) - Owner Occupied/Investment	$0.00	$0.00
	Vivid Non-Resident Variable (Employed) (Construction) (Alt Doc) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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