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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
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Refund Up To
Intro Rate Term (months) 2 Yr 3 Yr 5 Yr
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
Intro Rate Term (months) 2 Yr 3 Yr 5 Yr
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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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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