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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
	Non-resident VIP Variable (Interest Only) - Investment	3.53	3.58	3.53	0	-	-	-	1,802.88	$-399,280	$1,069
	Non-resident VIP Variable (P & I) - Investment	3.33	3.37	3.33	0	-	-	-	1,758.44	$-399,280	$1,069
	Fixed Rate (P & I) - Investor	2.99	3.03	3.19	0	5.39	5.64	5.94	1,727.68	$-399,280	$1,069
	Offset Variable 80Broker Special (Interest Only) - Investor	3.19	3.23	3.19	0	-	-	-	1,727.68	$-399,280	$1,069
	Offset Variable 80Broker Special (P&I) - Owner Occupied	2.74	2.78	2.74	0	-	-	-	1,630.85	$-399,280	$1,069
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied	2.59	2.63	2.59	0	-	-	-	1,599.26	$-399,280	$1,069
	Basic Variable 80Broker Special (Interest Only) - Investment	3.04	3.08	3.04	0	-	-	-	1,695.06	$-399,280	$1,069
	Offset Variable 80Broker Special (P&I) - Investor	2.94	2.98	2.94	0	-	-	-	1,673.50	$-399,280	$1,069
	Fixed Rate (Interest Only) - Owner Occupied	2.79	2.83	2.79	0	5.59	5.84	6.14	1,641.45	$-399,280	$1,069
	Basic Variable 80Broker Special (Interest Only) - Owner Occupied	2.89	2.93	2.89	0	-	-	-	1,662.78	$-399,280	$1,069
	Green Basic Home Loan (P&I) - Owner Occupied	2.59	2.63	2.59	0	-	-	-	1,599.26	$-399,280	$1,069
	Green Offset Home Loan (Interest Only) - Investment	3.19	3.23	3.19	0	-	-	-	1,727.68	$-399,280	$1,069
	Offset Variable 90Broker Special (Interest Only) - Investor	3.29	3.33	3.29	0	-	-	-	1,749.62	$-399,280	$1,069
	Construction Variable - (Interest Only) - Owner Occupied	3.57	3.66	3.77	0	-	-	-	1,857.00	$-398,610	$1,069
	Green Construction Home Loan (Interest Only) - Owner Occupied	2.59	2.67	2.59	0	-	-	-	1,599.26	$-398,610	$1,069
	Construction Variable - (Interest Only) - Investment	3.67	3.76	3.87	0	-	-	-	1,879.80	$-398,610	$1,069
	Green Construction Home Loan (Interest Only) - Investment	3.04	3.13	3.04	0	-	-	-	1,695.06	$-398,610	$1,069
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
	Non-resident VIP Variable (Interest Only) - Investment		0.00
	Non-resident VIP Variable (P & I) - Investment		0.00
	Fixed Rate (P & I) - Investor		0.00
	Offset Variable 80Broker Special (Interest Only) - Investor		0.00
	Offset Variable 80Broker Special (P&I) - Owner Occupied		0.00
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied		0.00
	Basic Variable 80Broker Special (Interest Only) - Investment		0.00
	Offset Variable 80Broker Special (P&I) - Investor		0.00
	Fixed Rate (Interest Only) - Owner Occupied		0.00
	Basic Variable 80Broker Special (Interest Only) - Owner Occupied		0.00
	Green Basic Home Loan (P&I) - Owner Occupied		0.00
	Green Offset Home Loan (Interest Only) - Investment		0.00
	Offset Variable 90Broker Special (Interest Only) - Investor		0.00
	Construction Variable - (Interest Only) - Owner Occupied		0.00
	Green Construction Home Loan (Interest Only) - Owner Occupied		0.00
	Construction Variable - (Interest Only) - Investment		0.00
	Green Construction Home Loan (Interest Only) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Non-resident VIP Variable (Interest Only) - Investment	720.00	0.00	0.00	550.00
	Non-resident VIP Variable (P & I) - Investment	720.00	0.00	0.00	550.00
	Fixed Rate (P & I) - Investor	720.00	0.00	0.00	550.00
	Offset Variable 80Broker Special (Interest Only) - Investor	720.00	0.00	0.00	550.00
	Offset Variable 80Broker Special (P&I) - Owner Occupied	720.00	0.00	0.00	550.00
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied	720.00	0.00	0.00	550.00
	Basic Variable 80Broker Special (Interest Only) - Investment	720.00	0.00	0.00	550.00
	Offset Variable 80Broker Special (P&I) - Investor	720.00	0.00	0.00	550.00
	Fixed Rate (Interest Only) - Owner Occupied	720.00	0.00	0.00	550.00
	Basic Variable 80Broker Special (Interest Only) - Owner Occupied	720.00	0.00	0.00	550.00
	Green Basic Home Loan (P&I) - Owner Occupied	720.00	0.00	0.00	550.00
	Green Offset Home Loan (Interest Only) - Investment	720.00	0.00	0.00	550.00
	Offset Variable 90Broker Special (Interest Only) - Investor	720.00	0.00	0.00	550.00
	Construction Variable - (Interest Only) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Green Construction Home Loan (Interest Only) - Owner Occupied	1,390.00	0.00	0.00	550.00
	Construction Variable - (Interest Only) - Investment	1,390.00	0.00	0.00	550.00
	Green Construction Home Loan (Interest Only) - Investment	1,390.00	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
	Non-resident VIP Variable (Interest Only) - Investment	50000	30
	Non-resident VIP Variable (P & I) - Investment	50000	30
	Fixed Rate (P & I) - Investor	50000	30	90
	Offset Variable 80Broker Special (Interest Only) - Investor	50000	30
	Offset Variable 80Broker Special (P&I) - Owner Occupied	50000	30
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied	50000	30	80
	Basic Variable 80Broker Special (Interest Only) - Investment	50000	30
	Offset Variable 80Broker Special (P&I) - Investor	50000	30
	Fixed Rate (Interest Only) - Owner Occupied	50000	30	80
	Basic Variable 80Broker Special (Interest Only) - Owner Occupied	50000	30
	Green Basic Home Loan (P&I) - Owner Occupied	50000	30	90
	Green Offset Home Loan (Interest Only) - Investment	50000	30	90
	Offset Variable 90Broker Special (Interest Only) - Investor	50000	30	90
	Construction Variable - (Interest Only) - Owner Occupied	50000	30	80
	Green Construction Home Loan (Interest Only) - Owner Occupied	50000	30	90
	Construction Variable - (Interest Only) - Investment	50000	30	80
	Green Construction Home Loan (Interest Only) - Investment	50000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Non-resident VIP Variable (Interest Only) - Investment	$1,069.20	$763.71
	Non-resident VIP Variable (P & I) - Investment	$1,069.20	$763.71
	Fixed Rate (P & I) - Investor	$1,069.20	$763.71
	Offset Variable 80Broker Special (Interest Only) - Investor	$1,069.20	$763.71
	Offset Variable 80Broker Special (P&I) - Owner Occupied	$1,069.20	$763.71
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied	$1,069.20	$763.71
	Basic Variable 80Broker Special (Interest Only) - Investment	$1,069.20	$763.71
	Offset Variable 80Broker Special (P&I) - Investor	$1,069.20	$763.71
	Fixed Rate (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Basic Variable 80Broker Special (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Green Basic Home Loan (P&I) - Owner Occupied	$1,069.20	$763.71
	Green Offset Home Loan (Interest Only) - Investment	$1,069.20	$763.71
	Offset Variable 90Broker Special (Interest Only) - Investor	$1,069.20	$763.71
	Construction Variable - (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Green Construction Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Construction Variable - (Interest Only) - Investment	$1,069.20	$763.71
	Green Construction Home Loan (Interest Only) - Investment	$1,069.20	$763.71
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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