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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
	Leo (Clear) Bridging Variable (P & I) - Owner Occupied/Investment	6.19	6.37	7.19	0	-	-	-	2,712.45	$-399,725	$1,158
	Leo (Prime) Bridging Variable (P & I) - Owner Occupied/Investment	6.19	6.37	7.19	0	-	-	-	2,712.45	$-399,725	$1,158
	Premium Variable (85% No LMI) (P & I) - Owner Occupied	3.74	3.77	3.74	0	-	-	-	1,850.19	$-399,600	$1,158
	Premium NZ Borrower (P & I) - Investment	2.94	2.96	3.79	0	-	-	-	1,861.55	$-399,600	$1,158
	Premium Non Genuine Savings Variable (90% to 98%) (P & I) - Owner Occupied	3.84	3.87	3.84	0	-	-	-	1,872.95	$-399,600	$1,158
	Premium Expat Variable (P & I) - Investment	2.94	2.96	2.94	0	-	-	-	1,673.50	$-399,600	$1,158
	Premium Variable (85% No LMI) (P & I) - Investment	4.04	4.07	4.04	0	-	-	-	1,918.90	$-399,600	$1,158
	Premium Standard Variable (Interest Only) - Investment	3.14	3.16	3.94	0	-	-	-	1,895.85	$-399,600	$1,158
	Premium Variable (85% No LMI) (Interest Only) - Investment	4.19	4.22	4.19	0	-	-	-	1,953.73	$-399,600	$1,158
	Premium Expat Variable (Interest Only) - Investment	3.14	3.16	3.14	0	-	-	-	1,716.77	$-399,600	$1,158
	Premium Standard Variable (Interest Only) - Owner Occupied	2.89	2.91	2.99	0	-	-	-	1,684.26	$-399,600	$1,158
	Premium Standard Variable (P & I) - Owner Occupied	2.69	2.71	3.54	0	-	-	-	1,805.12	$-399,600	$1,158
	Premium Variable (Alt Doc) (P & I) - Owner Occupied	3.24	3.26	3.24	0	-	-	-	1,738.63	$-399,600	$1,158
	Premium Variable (Alt Doc) (Interest Only) - Investment	3.69	3.72	3.69	0	-	-	-	1,838.87	$-399,600	$1,158
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied	3.39	3.41	3.39	0	-	-	-	1,771.71	$-399,600	$1,158
	Premium Standard Variable (P & I) - Investment	2.94	2.96	3.79	0	-	-	-	1,861.55	$-399,600	$1,158
	Premium NZ Borrower (Interest Only) - Investment	3.14	3.16	3.94	0	-	-	-	1,895.85	$-399,600	$1,158
	Premium Variable (Alt Doc) (P & I) - Investment	3.54	3.56	3.54	0	-	-	-	1,805.12	$-399,600	$1,158
	Optimal SMSF Combo (Interest Only) - Investment	4.38	4.79	4.38	0	-	-	-	1,998.32	$-399,455	$1,158
	Optimal SMSF (Interest Only) - Investment	4.38	4.79	4.88	0	-	-	-	2,118.05	$-399,455	$1,158
	Optimal SMSF (P & I) - Investment	3.88	4.30	4.68	0	-	-	-	2,069.75	$-399,455	$1,158
	Optimal SMSF Combo (P & I) - Investment	3.88	4.30	3.88	0	-	-	-	1,882.09	$-399,455	$1,158
	Aspire Regional Variable (P & I) - Investment	2.85	3.15	3.35	0	-	-	-	1,762.85	$-399,405	$1,158
	Aspire Regional Fixed (Interest Only) - Investment	3.15	3.45	3.65	0	5.05	5.75	6.65	1,829.84	$-399,405	$1,158
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	3.44	3.48	3.79	0	-	-	-	1,861.55	$-399,405	$1,158
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
	Leo (Clear) Bridging Variable (P & I) - Owner Occupied/Investment		0.00
	Leo (Prime) Bridging Variable (P & I) - Owner Occupied/Investment		0.00
	Premium Variable (85% No LMI) (P & I) - Owner Occupied		0.00
	Premium NZ Borrower (P & I) - Investment		0.00
	Premium Non Genuine Savings Variable (90% to 98%) (P & I) - Owner Occupied		0.00
	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
	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
	Aspire Regional Variable (P & I) - Investment		0.00
	Aspire Regional Fixed (Interest Only) - Investment		0.00
	Edge Residential (Near 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
	Leo (Clear) Bridging Variable (P & I) - Owner Occupied/Investment	275.00	0.00	15.00	0.00
	Leo (Prime) Bridging Variable (P & I) - Owner Occupied/Investment	275.00	0.00	15.00	0.00
	Premium Variable (85% No LMI) (P & I) - Owner Occupied	400.00	0.00	0.00	300.00
	Premium NZ Borrower (P & I) - Investment	400.00	0.00	0.00	300.00
	Premium Non Genuine Savings Variable (90% to 98%) (P & I) - Owner Occupied	400.00	0.00	0.00	300.00
	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
	Optimal SMSF Combo (Interest Only) - Investment	545.00	395.00	0.00	595.00
	Optimal SMSF (Interest Only) - Investment	545.00	395.00	0.00	595.00
	Optimal SMSF (P & I) - Investment	545.00	395.00	0.00	595.00
	Optimal SMSF Combo (P & I) - Investment	545.00	395.00	0.00	595.00
	Aspire Regional Variable (P & I) - Investment	595.00	250.00	0.00	695.00
	Aspire Regional Fixed (Interest Only) - Investment	595.00	250.00	0.00	695.00
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	595.00	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
	Leo (Clear) Bridging Variable (P & I) - Owner Occupied/Investment	100000	30	75
	Leo (Prime) Bridging Variable (P & I) - Owner Occupied/Investment	100000	30	75
	Premium Variable (85% No LMI) (P & I) - Owner Occupied	10000	30	85
	Premium NZ Borrower (P & I) - Investment	150000	30	80
	Premium Non Genuine Savings Variable (90% to 98%) (P & I) - Owner Occupied	50000	30	98
	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
	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
	Aspire Regional Variable (P & I) - Investment	50000	30	80
	Aspire Regional Fixed (Interest Only) - Investment	50000	30	60
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	100000	30	75
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Leo (Clear) Bridging Variable (P & I) - Owner Occupied/Investment	$1,158.30	$827.36
	Leo (Prime) Bridging Variable (P & I) - Owner Occupied/Investment	$1,158.30	$827.36
	Premium Variable (85% No LMI) (P & I) - Owner Occupied	$1,158.30	$827.36
	Premium NZ Borrower (P & I) - Investment	$1,158.30	$827.36
	Premium Non Genuine Savings Variable (90% to 98%) (P & I) - Owner Occupied	$1,158.30	$827.36
	Premium Expat Variable (P & I) - Investment	$1,158.30	$827.36
	Premium Variable (85% No LMI) (P & I) - Investment	$1,158.30	$827.36
	Premium Standard Variable (Interest Only) - Investment	$1,158.30	$827.36
	Premium Variable (85% No LMI) (Interest Only) - Investment	$1,158.30	$827.36
	Premium Expat Variable (Interest Only) - Investment	$1,158.30	$827.36
	Premium Standard Variable (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Premium Standard Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Premium Variable (Alt Doc) (P & I) - Owner Occupied	$1,158.30	$827.36
	Premium Variable (Alt Doc) (Interest Only) - Investment	$1,158.30	$827.36
	Premium Variable (Alt Doc) (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Premium Standard Variable (P & I) - Investment	$1,158.30	$827.36
	Premium NZ Borrower (Interest Only) - Investment	$1,158.30	$827.36
	Premium Variable (Alt Doc) (P & I) - Investment	$1,158.30	$827.36
	Optimal SMSF Combo (Interest Only) - Investment	$1,158.30	$827.36
	Optimal SMSF (Interest Only) - Investment	$1,158.30	$827.36
	Optimal SMSF (P & I) - Investment	$1,158.30	$827.36
	Optimal SMSF Combo (P & I) - Investment	$1,158.30	$827.36
	Aspire Regional Variable (P & I) - Investment	$1,158.30	$827.36
	Aspire Regional Fixed (Interest Only) - Investment	$1,158.30	$827.36
	Edge Residential (Near Prime) (Interest Only) - Owner Occupied / Investment	$1,158.30	$827.36
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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