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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
	Premium Package Home Loan Variable (P & I) - Owner Occupied	3.04	3.35	-	0	-	-	-	1,695.06	$33,170	$1,069
	Your Way Basic Variable (P & I) - Owner Occupied	3.14	3.18	-	0	-	-	-	1,716.77	$33,343	$1,069
	Southern Cross Fixed (Interest Only) - Investment(Fixed 1 yrs)	3.20	3.24	2.89	12	2.79	2.79	3.29	1,662.78	$33,362	$891
	Basic Home Loan (P&I) - Owner Occupied	3.21	3.25	-	0	-	-	-	1,732.06	$34,095	$1,247
	Southern Cross Fixed (P & I) - Investment(Fixed 4 yrs)	2.90	3.06	3.19	48	2.79	2.79	3.29	1,727.68	$34,293	$891
	New Offset Home Loan (P & I) - Owner Occupied	3.29	3.29	-	0	-	-	-	1,749.62	$34,348	$1,247
	Basic Variable Loan Special (P&I) - Owner Occupied	3.24	3.28	-	0	-	-	-	1,738.63	$34,413	$1,158
	Basic Variable Loan Special (P&I) - Owner Occupied	3.24	3.28	-	0	-	-	-	1,738.63	$34,413	$1,158
	Discount Variable (P & I) - Owner Occupied	3.25	3.28	-	0	-	-	-	1,740.83	$34,430	$980
	Southern Cross Fixed (Interest Only) - Investment(Fixed 4 yrs)	3.20	3.27	3.19	48	2.79	2.79	3.29	1,727.68	$34,433	$891
	Southern Cross Variable (Interest Only) - Investment	3.20	3.27	-	0	-	-	-	1,729.87	$34,535	$891
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	3.29	3.31	-	0	-	-	-	1,749.62	$34,678	$891
	Green Home Loan (P&I) - Owner Occupied	3.14	3.48	-	0	-	-	-	1,716.77	$34,713	$1,069
	SmartSaver Variable (P & I) - Owner Occupied	3.29	3.32	-	0	-	-	-	1,749.62	$34,843	$1,158
	Basic Variable Loan Special (P&I) - Owner Occupied	3.29	3.33	-	0	-	-	-	1,749.62	$34,948	$1,158
	Southern Cross Variable (Construction) (Interest Only) - Investment	3.20	3.30	-	0	-	-	-	1,729.87	$34,985	$891
	Green Plus Home Loan (Interest Only) - Owner Occupied	3.19	3.53	-	0	-	-	-	1,727.68	$35,248	$1,069
	Low Rate Essentials Variable (P & I) - Investment	3.35	3.38	-	0	-	-	-	1,762.85	$35,467	$1,069
	Southern Cross Fixed (Interest Only) - Investment(Fixed 5 yrs)	3.20	3.31	3.29	60	2.79	2.79	3.29	1,749.62	$35,498	$891
	Southern Cross Fixed (P & I) - Investment(Fixed 5 yrs)	2.90	3.13	3.29	60	2.79	2.79	3.29	1,749.62	$35,498	$891
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	3.99	3.83	3.24	36	3.14	3.24	3.54	1,738.63	$35,649	$1,158
	Leo (Clear) Variable (P & I) - Owner Occupied/Investment	3.19	3.48	-	0	-	-	-	1,727.68	$35,728	$1,158
	SmartFit Variable (P & I) - Owner Occupied	3.29	3.51	-	0	-	-	-	1,749.62	$35,743	$1,158
	Resimac Prime Flex Variable (P & I) - Owner Occupied	3.29	3.62	-	0	-	-	-	1,749.62	$36,173	$1,069
	Basic Home Loan (P&I) - Investment	3.41	3.45	-	0	-	-	-	1,776.14	$36,238	$1,247
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
	Premium Package Home Loan Variable (P & I) - Owner Occupied		0.00
	Your Way Basic Variable (P & I) - Owner Occupied		0.00
	Southern Cross Fixed (Interest Only) - Investment(Fixed 1 yrs)		0.00
	Basic Home Loan (P&I) - Owner Occupied		0.00
	Southern Cross Fixed (P & I) - Investment(Fixed 4 yrs)		0.00
	New Offset Home Loan (P & I) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Owner Occupied		0.00
	Discount Variable (P & I) - Owner Occupied		0.00
	Southern Cross Fixed (Interest Only) - Investment(Fixed 4 yrs)		0.00
	Southern Cross Variable (Interest Only) - Investment		0.00
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment		0.00
	Green Home Loan (P&I) - Owner Occupied		0.00
	SmartSaver Variable (P & I) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Owner Occupied		0.00
	Southern Cross Variable (Construction) (Interest Only) - Investment		0.00
	Green Plus Home Loan (Interest Only) - Owner Occupied		0.00
	Low Rate Essentials Variable (P & I) - Investment		0.00
	Southern Cross Fixed (Interest Only) - Investment(Fixed 5 yrs)		0.00
	Southern Cross Fixed (P & I) - Investment(Fixed 5 yrs)		0.00
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 3 yrs)		0.00
	Leo (Clear) Variable (P & I) - Owner Occupied/Investment		0.00
	SmartFit Variable (P & I) - Owner Occupied		25.00
	Resimac Prime Flex Variable (P & I) - Owner Occupied		0.00
	Basic 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
	Premium Package Home Loan Variable (P & I) - Owner Occupied	0.00	299.00	0.00	300.00
	Your Way Basic Variable (P & I) - Owner Occupied	600.00	0.00	0.00	0.00
	Southern Cross Fixed (Interest Only) - Investment(Fixed 1 yrs)	1,150.00	0.00	0.00	0.00
	Basic Home Loan (P&I) - Owner Occupied	603.00	0.00	0.00	350.00
	Southern Cross Fixed (P & I) - Investment(Fixed 4 yrs)	1,150.00	0.00	0.00	0.00
	New Offset Home Loan (P & I) - Owner Occupied	0.00	0.00	0.00	0.00
	Basic Variable Loan Special (P&I) - Owner Occupied	600.00	0.00	0.00	350.00
	Basic Variable Loan Special (P&I) - Owner Occupied	600.00	0.00	0.00	350.00
	Discount Variable (P & I) - Owner Occupied	510.00	0.00	0.00	345.00
	Southern Cross Fixed (Interest Only) - Investment(Fixed 4 yrs)	1,150.00	0.00	0.00	0.00
	Southern Cross Variable (Interest Only) - Investment	1,150.00	0.00	0.00	0.00
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	330.00	0.00	0.00	300.00
	Green Home Loan (P&I) - Owner Occupied	475.00	299.00	0.00	300.00
	SmartSaver Variable (P & I) - Owner Occupied	495.00	0.00	0.00	325.00
	Basic Variable Loan Special (P&I) - Owner Occupied	600.00	0.00	0.00	350.00
	Southern Cross Variable (Construction) (Interest Only) - Investment	1,600.00	0.00	0.00	0.00
	Green Plus Home Loan (Interest Only) - Owner Occupied	475.00	299.00	0.00	300.00
	Low Rate Essentials Variable (P & I) - Investment	475.00	0.00	0.00	300.00
	Southern Cross Fixed (Interest Only) - Investment(Fixed 5 yrs)	1,150.00	0.00	0.00	0.00
	Southern Cross Fixed (P & I) - Investment(Fixed 5 yrs)	1,150.00	0.00	0.00	0.00
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	495.00	0.00	0.00	325.00
	Leo (Clear) Variable (P & I) - Owner Occupied/Investment	1,550.00	0.00	15.00	0.00
	SmartFit Variable (P & I) - Owner Occupied	495.00	0.00	15.00	325.00
	Resimac Prime Flex Variable (P & I) - Owner Occupied	330.00	299.00	0.00	608.00
	Basic Home Loan (P&I) - Investment	603.00	0.00	0.00	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
	Premium Package Home Loan Variable (P & I) - Owner Occupied	150000	30	95
	Your Way Basic Variable (P & I) - Owner Occupied	150000	30
	Southern Cross Fixed (Interest Only) - Investment(Fixed 1 yrs)	100000	30	90
	Basic Home Loan (P&I) - Owner Occupied	50000	30	90
	Southern Cross Fixed (P & I) - Investment(Fixed 4 yrs)	100000	30	90
	New Offset Home Loan (P & I) - Owner Occupied	50000	30	80
	Basic Variable Loan Special (P&I) - Owner Occupied	30000	30	95
	Basic Variable Loan Special (P&I) - Owner Occupied	30000	30	95
	Discount Variable (P & I) - Owner Occupied	150000	30	80
	Southern Cross Fixed (Interest Only) - Investment(Fixed 4 yrs)	100000	30	90
	Southern Cross Variable (Interest Only) - Investment	100000	30	90
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	150000	30	70
	Green Home Loan (P&I) - Owner Occupied	250000	30	80
	SmartSaver Variable (P & I) - Owner Occupied	10000	30	90
	Basic Variable Loan Special (P&I) - Owner Occupied	30000	30	95
	Southern Cross Variable (Construction) (Interest Only) - Investment	100000	30	80
	Green Plus Home Loan (Interest Only) - Owner Occupied	250000	30	80
	Low Rate Essentials Variable (P & I) - Investment	50000	30	80
	Southern Cross Fixed (Interest Only) - Investment(Fixed 5 yrs)	100000	30	90
	Southern Cross Fixed (P & I) - Investment(Fixed 5 yrs)	100000	30	90
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	10000	30	90
	Leo (Clear) Variable (P & I) - Owner Occupied/Investment	100000	30	80
	SmartFit Variable (P & I) - Owner Occupied	10000	30	90
	Resimac Prime Flex Variable (P & I) - Owner Occupied	150000	30	70
	Basic Home Loan (P&I) - 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
	Premium Package Home Loan Variable (P & I) - Owner Occupied	$1,069.20	$763.71
	Your Way Basic Variable (P & I) - Owner Occupied	$1,069.20	$763.71
	Southern Cross Fixed (Interest Only) - Investment(Fixed 1 yrs)	$891.00	$636.43
	Basic Home Loan (P&I) - Owner Occupied	$1,247.40	$891.00
	Southern Cross Fixed (P & I) - Investment(Fixed 4 yrs)	$891.00	$636.43
	New Offset Home Loan (P & I) - Owner Occupied	$1,247.40	$891.00
	Basic Variable Loan Special (P&I) - Owner Occupied	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Owner Occupied	$1,158.30	$827.36
	Discount Variable (P & I) - Owner Occupied	$980.10	$700.07
	Southern Cross Fixed (Interest Only) - Investment(Fixed 4 yrs)	$891.00	$636.43
	Southern Cross Variable (Interest Only) - Investment	$891.00	$636.43
	Breakthrough Prime Variable (Low Doc) (P & I) - Investment	$891.00	$636.43
	Green Home Loan (P&I) - Owner Occupied	$1,069.20	$763.71
	SmartSaver Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Owner Occupied	$1,158.30	$827.36
	Southern Cross Variable (Construction) (Interest Only) - Investment	$891.00	$636.43
	Green Plus Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Low Rate Essentials Variable (P & I) - Investment	$1,069.20	$763.71
	Southern Cross Fixed (Interest Only) - Investment(Fixed 5 yrs)	$891.00	$636.43
	Southern Cross Fixed (P & I) - Investment(Fixed 5 yrs)	$891.00	$636.43
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	$1,158.30	$827.36
	Leo (Clear) Variable (P & I) - Owner Occupied/Investment	$1,158.30	$827.36
	SmartFit Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Resimac Prime Flex Variable (P & I) - Owner Occupied	$1,069.20	$763.71
	Basic Home Loan (P&I) - Investment	$1,247.40	$891.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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