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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
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Investment	4.21	4.61	4.21	0	3.39	3.49	3.49	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Investment	5.62	5.99	5.62	0	-	-	-	0.00	$303	$0
	Home Loan Plus Variable (Freedom Package) (FHLDS) Special Offer - Owner Occupied	2.79	3.22	2.79	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Owner Occupied	3.71	4.12	3.71	0	2.49	2.49	-	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Investment	4.21	4.61	4.21	0	3.69	3.79	3.79	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Owner Occupied	5.01	5.39	5.01	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Owner Occupied	4.79	5.18	4.79	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (FHLDS) (P & I) - Owner Occupied	3.56	3.98	3.56	0	2.69	2.69	2.99	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied	4.79	5.18	4.79	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Line of Credit (Freedom Package) - Owner Occupied	5.51	5.89	5.51	0	-	-	-	0.00	$303	$0
	Home Loan Plus Fixed (Freedom Package) (FHLDS) Special Offer - Owner Occupied	2.79	3.22	2.79	0	2.49	2.49	-	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	2.99	3.42	2.99	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Owner Occupied	4.08	4.48	4.08	0	3.29	3.29	3.69	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) Special Offer- Investment	4.21	4.61	4.21	0	2.89	2.89	-	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) Special Offer- Investment	3.09	3.52	3.09	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Owner Occupied	3.71	4.12	3.71	0	3.29	3.29	3.59	0.00	$303	$0
	Standard Home Loan Plus Line of Credit (Freedom Package) - Investment	6.03	6.40	6.03	0	-	-	-	0.00	$303	$0
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment	4.21	4.61	4.21	0	2.69	2.69	-	0.00	$303	$0
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Investment	5.84	6.21	5.84	0	-	-	-	0.00	$303	$0
	Basic Home Loan (Interest Only) - Investment	2.89	2.93	2.89	0	-	-	-	0.00	$603	$0
	Basic Home Loan (FHLDS applicants only) (P&I) - Owner Occupied	2.49	2.53	2.49	0	-	-	-	0.00	$603	$0
	Basic Home Loan (P&I) - Investment	2.69	2.73	2.69	0	-	-	-	0.00	$603	$0
	Basic Home Loan (P&I) - Owner Occupied	2.49	2.53	2.49	0	-	-	-	0.00	$603	$0
	Standard Home Loan Plus Variable (P & I) - Owner Occupied	4.79	4.97	4.79	0	-	-	-	0.00	$903	$0
	Standard Home Loan Plus Fixed (Interest Only) - Investment	4.21	4.39	4.21	0	4.29	4.39	4.39	0.00	$903	$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
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Investment		0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Investment		0.00
	Home Loan Plus Variable (Freedom Package) (FHLDS) Special Offer - Owner Occupied		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Owner Occupied		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Investment		0.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Owner Occupied		0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Owner Occupied		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (FHLDS) (P & I) - Owner Occupied		0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied		0.00
	Standard Home Loan Plus Line of Credit (Freedom Package) - Owner Occupied		0.00
	Home Loan Plus Fixed (Freedom Package) (FHLDS) Special Offer - Owner Occupied		0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Owner Occupied		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) Special Offer- Investment		0.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) Special Offer- Investment		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Owner Occupied		0.00
	Standard Home Loan Plus Line of Credit (Freedom Package) - Investment		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment		0.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Investment		0.00
	Basic Home Loan (Interest Only) - Investment		0.00
	Basic Home Loan (FHLDS applicants only) (P&I) - Owner Occupied		0.00
	Basic Home Loan (P&I) - Investment		0.00
	Basic Home Loan (P&I) - Owner Occupied		0.00
	Standard Home Loan Plus Variable (P & I) - Owner Occupied		0.00
	Standard Home Loan Plus Fixed (Interest Only) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Investment	303.00	395.00	0.00	350.00
	Home Loan Plus Variable (Freedom Package) (FHLDS) Special Offer - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (FHLDS) (P & I) - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Line of Credit (Freedom Package) - Owner Occupied	303.00	395.00	0.00	350.00
	Home Loan Plus Fixed (Freedom Package) (FHLDS) Special Offer - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) Special Offer- Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) Special Offer- Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Owner Occupied	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Line of Credit (Freedom Package) - Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment	303.00	395.00	0.00	350.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Investment	303.00	395.00	0.00	350.00
	Basic Home Loan (Interest Only) - Investment	603.00	0.00	0.00	350.00
	Basic Home Loan (FHLDS applicants only) (P&I) - Owner Occupied	603.00	0.00	0.00	350.00
	Basic Home Loan (P&I) - Investment	603.00	0.00	0.00	350.00
	Basic Home Loan (P&I) - Owner Occupied	603.00	0.00	0.00	350.00
	Standard Home Loan Plus Variable (P & I) - Owner Occupied	903.00	0.00	10.00	350.00
	Standard Home Loan Plus Fixed (Interest Only) - Investment	903.00	0.00	10.00	350.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Investment	100000	30	90
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Investment	100000	30	90
	Home Loan Plus Variable (Freedom Package) (FHLDS) Special Offer - Owner Occupied	100000	30	95
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Owner Occupied	100000	30	90
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Investment	100000	30	90
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Owner Occupied	100000	30	80
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Owner Occupied	100000	30	90
	Standard Home Loan Plus Fixed (Freedom Package) (FHLDS) (P & I) - Owner Occupied	100000	30	95
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied	100000	30	95
	Standard Home Loan Plus Line of Credit (Freedom Package) - Owner Occupied	100000	30	80
	Home Loan Plus Fixed (Freedom Package) (FHLDS) Special Offer - Owner Occupied	100000	30	95
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	100000	30	75
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Owner Occupied	100000	30	80
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) Special Offer- Investment	100000	30	75
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) Special Offer- Investment	100000	30	75
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Owner Occupied	100000	30	75
	Standard Home Loan Plus Line of Credit (Freedom Package) - Investment	100000	30	90
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment	100000	30	80
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Investment	100000	30	90
	Basic Home Loan (Interest Only) - Investment	100000	30	75
	Basic Home Loan (FHLDS applicants only) (P&I) - Owner Occupied	100000	30	95
	Basic Home Loan (P&I) - Investment	100000	30	75
	Basic Home Loan (P&I) - Owner Occupied	100000	30	90
	Standard Home Loan Plus Variable (P & I) - Owner Occupied	10000	30
	Standard Home Loan Plus Fixed (Interest Only) - Investment	10000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Investment	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Investment	$0.00	$0.00
	Home Loan Plus Variable (Freedom Package) (FHLDS) Special Offer - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Investment	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (FHLDS) (P & I) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Line of Credit (Freedom Package) - Owner Occupied	$0.00	$0.00
	Home Loan Plus Fixed (Freedom Package) (FHLDS) Special Offer - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (Interest Only) Special Offer- Investment	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) Special Offer- Investment	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Line of Credit (Freedom Package) - Investment	$0.00	$0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment	$0.00	$0.00
	Standard Home Loan Plus Variable (Freedom Package) (Interest Only) - Investment	$0.00	$0.00
	Basic Home Loan (Interest Only) - Investment	$0.00	$0.00
	Basic Home Loan (FHLDS applicants only) (P&I) - Owner Occupied	$0.00	$0.00
	Basic Home Loan (P&I) - Investment	$0.00	$0.00
	Basic Home Loan (P&I) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Variable (P & I) - Owner Occupied	$0.00	$0.00
	Standard Home Loan Plus Fixed (Interest Only) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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