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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
	& Investor Loan Variable (Interest Only) - Investment	3.43	3.43	3.43	0	-	-	-	0.00	$0	$0
	Equity Access Loan - Investment	4.87	4.87	4.87	0	-	-	-	0.00	$0	$0
	& Investor Loan Variable (P & I) - Investment	3.23	3.23	3.23	0	-	-	-	0.00	$0	$0
	Smooth Home Loan (P & I) - Owner Occupied	3.97	3.97	3.97	0	-	-	-	0.00	$0	$0
	& Home Loan Variable (P&I) - Owner Occupied	3.12	3.12	3.12	0	-	-	-	0.00	$0	$0
	Easypay Home Loan (Interest only) - Owner Occupied	4.37	4.37	4.37	0	-	-	-	0.00	$0	$0
	Standard Fixed (P & I) - Investment	3.23	3.23	3.23	0	3.99	4.44	4.99	0.00	$0	$0
	& Basic Home Loan Variable (Interest Only) - Investment	2.89	2.89	2.89	0	-	-	-	0.00	$0	$0
	& Home Loan Variable (Intro Rate) - Owner Occupied	3.12	3.12	3.12	0	-	-	-	0.00	$0	$0
	Standard Fixed (Interest Only) - Owner Occupied	2.82	2.82	2.82	0	-	-	-	0.00	$0	$0
	Bridging Loan - Owner Occupied	5.27	5.27	5.27	0	-	-	-	0.00	$0	$0
	& Basic Home Loan Variable (P & I) - Owner Occupied	2.19	2.19	2.19	0	-	-	-	0.00	$0	$0
	Easypay Home Loan (P & I) - Investment	4.37	4.37	4.37	0	-	-	-	0.00	$0	$0
	Smooth Home Loan (Interest Only) - Owner Occupied	3.97	3.97	3.97	0	-	-	-	0.00	$0	$0
	Standard Fixed (Interest Only) - Owner Occupied	2.82	2.82	2.82	0	4.74	-	-	0.00	$0	$0
	Smooth Home Loan (Interest Only) - Investment	3.97	3.97	3.97	0	-	-	-	0.00	$0	$0
	Easypay Home Loan (Interest only) - Investment	4.37	4.37	4.37	0	-	-	-	0.00	$0	$0
	Standard Fixed (P & I) - Owner Occupied	2.82	2.82	2.82	0	3.74	-	-	0.00	$0	$0
	Standard Fixed (P & I) - Owner Occupied	2.82	2.82	2.82	0	4.74	-	-	0.00	$0	$0
	Standard Fixed (P & I) - Owner Occupied	2.82	2.82	2.82	0	-	-	-	0.00	$0	$0
	& Basic Home Loan Variable (P & I) - Investment	2.64	2.64	2.64	0	-	-	-	0.00	$0	$0
	Simple Home Loan (P & I) - Owner Occupied	2.82	2.82	2.82	0	-	-	-	0.00	$0	$0
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	2.09	2.09	2.09	0	-	-	-	0.00	$0	$0
	Standard Fixed (Interest Only) - Investment	3.23	3.23	3.23	0	3.99	4.44	4.99	0.00	$0	$0
	Smooth Home Loan (P & I) - Investment	3.97	3.97	3.97	0	-	-	-	0.00	$0	$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
	& Investor Loan Variable (Interest Only) - Investment		0.00
	Equity Access Loan - Investment		0.00
	& Investor Loan Variable (P & I) - Investment		0.00
	Smooth Home Loan (P & I) - Owner Occupied		0.00
	& Home Loan Variable (P&I) - Owner Occupied		0.00
	Easypay Home Loan (Interest only) - Owner Occupied		0.00
	Standard Fixed (P & I) - Investment		0.00
	& Basic Home Loan Variable (Interest Only) - Investment		0.00
	& Home Loan Variable (Intro Rate) - Owner Occupied		0.00
	Standard Fixed (Interest Only) - Owner Occupied		0.00
	Bridging Loan - Owner Occupied		0.00
	& Basic Home Loan Variable (P & I) - Owner Occupied		0.00
	Easypay Home Loan (P & I) - Investment		0.00
	Smooth Home Loan (Interest Only) - Owner Occupied		0.00
	Standard Fixed (Interest Only) - Owner Occupied		0.00
	Smooth Home Loan (Interest Only) - Investment		0.00
	Easypay Home Loan (Interest only) - Investment		0.00
	Standard Fixed (P & I) - Owner Occupied		0.00
	Standard Fixed (P & I) - Owner Occupied		0.00
	Standard Fixed (P & I) - Owner Occupied		0.00
	& Basic Home Loan Variable (P & I) - Investment		0.00
	Simple Home Loan (P & I) - Owner Occupied		0.00
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied		0.00
	Standard Fixed (Interest Only) - Investment		0.00
	Smooth Home Loan (P & I) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	& Investor Loan Variable (Interest Only) - Investment	0.00	0.00	0.00	395.00
	Equity Access Loan - Investment	0.00	0.00	0.00	395.00
	& Investor Loan Variable (P & I) - Investment	0.00	0.00	0.00	395.00
	Smooth Home Loan (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	& Home Loan Variable (P&I) - Owner Occupied	0.00	0.00	0.00	395.00
	Easypay Home Loan (Interest only) - Owner Occupied	0.00	0.00	0.00	395.00
	Standard Fixed (P & I) - Investment	0.00	0.00	0.00	395.00
	& Basic Home Loan Variable (Interest Only) - Investment	0.00	0.00	0.00	395.00
	& Home Loan Variable (Intro Rate) - Owner Occupied	0.00	0.00	0.00	395.00
	Standard Fixed (Interest Only) - Owner Occupied	0.00	0.00	0.00	395.00
	Bridging Loan - Owner Occupied	0.00	0.00	0.00	395.00
	& Basic Home Loan Variable (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	Easypay Home Loan (P & I) - Investment	0.00	0.00	0.00	395.00
	Smooth Home Loan (Interest Only) - Owner Occupied	0.00	0.00	0.00	395.00
	Standard Fixed (Interest Only) - Owner Occupied	0.00	0.00	0.00	395.00
	Smooth Home Loan (Interest Only) - Investment	0.00	0.00	0.00	395.00
	Easypay Home Loan (Interest only) - Investment	0.00	0.00	0.00	395.00
	Standard Fixed (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	Standard Fixed (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	Standard Fixed (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	& Basic Home Loan Variable (P & I) - Investment	0.00	0.00	0.00	395.00
	Simple Home Loan (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	Standard Fixed (Interest Only) - Investment	0.00	0.00	0.00	395.00
	Smooth Home Loan (P & I) - Investment	0.00	0.00	0.00	395.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	& Investor Loan Variable (Interest Only) - Investment	50000	30
	Equity Access Loan - Investment	20000	30
	& Investor Loan Variable (P & I) - Investment	50000	30
	Smooth Home Loan (P & I) - Owner Occupied	20000	30	80
	& Home Loan Variable (P&I) - Owner Occupied	50000	30
	Easypay Home Loan (Interest only) - Owner Occupied	20000	30
	Standard Fixed (P & I) - Investment	20000	30	80
	& Basic Home Loan Variable (Interest Only) - Investment	50000	30	70
	& Home Loan Variable (Intro Rate) - Owner Occupied	150000	30
	Standard Fixed (Interest Only) - Owner Occupied	20000	30	80
	Bridging Loan - Owner Occupied	20000	1
	& Basic Home Loan Variable (P & I) - Owner Occupied	50000	30
	Easypay Home Loan (P & I) - Investment	20000	30
	Smooth Home Loan (Interest Only) - Owner Occupied	20000	30	90
	Standard Fixed (Interest Only) - Owner Occupied	20000	30	95
	Smooth Home Loan (Interest Only) - Investment	20000	30	80
	Easypay Home Loan (Interest only) - Investment	20000	30
	Standard Fixed (P & I) - Owner Occupied	20000	30	95
	Standard Fixed (P & I) - Owner Occupied	20000	30	80
	Standard Fixed (P & I) - Owner Occupied	20000	30	95
	& Basic Home Loan Variable (P & I) - Investment	50000	30	90
	Simple Home Loan (P & I) - Owner Occupied	50000	30
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	50000	30	60
	Standard Fixed (Interest Only) - Investment	20000	30	80
	Smooth Home Loan (P & I) - Investment	20000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	& Investor Loan Variable (Interest Only) - Investment	$0.00	$0.00
	Equity Access Loan - Investment	$0.00	$0.00
	& Investor Loan Variable (P & I) - Investment	$0.00	$0.00
	Smooth Home Loan (P & I) - Owner Occupied	$0.00	$0.00
	& Home Loan Variable (P&I) - Owner Occupied	$0.00	$0.00
	Easypay Home Loan (Interest only) - Owner Occupied	$0.00	$0.00
	Standard Fixed (P & I) - Investment	$0.00	$0.00
	& Basic Home Loan Variable (Interest Only) - Investment	$0.00	$0.00
	& Home Loan Variable (Intro Rate) - Owner Occupied	$0.00	$0.00
	Standard Fixed (Interest Only) - Owner Occupied	$0.00	$0.00
	Bridging Loan - Owner Occupied	$0.00	$0.00
	& Basic Home Loan Variable (P & I) - Owner Occupied	$0.00	$0.00
	Easypay Home Loan (P & I) - Investment	$0.00	$0.00
	Smooth Home Loan (Interest Only) - Owner Occupied	$0.00	$0.00
	Standard Fixed (Interest Only) - Owner Occupied	$0.00	$0.00
	Smooth Home Loan (Interest Only) - Investment	$0.00	$0.00
	Easypay Home Loan (Interest only) - Investment	$0.00	$0.00
	Standard Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Standard Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Standard Fixed (P & I) - Owner Occupied	$0.00	$0.00
	& Basic Home Loan Variable (P & I) - Investment	$0.00	$0.00
	Simple Home Loan (P & I) - Owner Occupied	$0.00	$0.00
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	$0.00	$0.00
	Standard Fixed (Interest Only) - Investment	$0.00	$0.00
	Smooth Home Loan (P & I) - 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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