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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
	Offset Flyer Home Loan Package Variable (P & I) - Owner Occupied	2.19	2.49	-	0	-	-	-	1,516.77	$24,267	$1,158
	Basic Variable Loan Special (P&I) - Owner Occupied	2.29	2.33	-	0	-	-	-	1,537.16	$24,318	$1,158
	Basic Home Loan (P&I) - Investment	2.29	2.33	-	0	-	-	-	1,537.16	$24,321	$1,247
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	2.49	2.48	2.19	36	2.19	2.19	2.69	1,516.77	$24,338	$891
	Basic Variable (P & I) - Owner Occupied	2.29	2.33	-	0	-	-	-	1,537.16	$24,367	$1,158
	Home Package Plus Fixed Special Offer (P & I) - Owner Occupied(Fixed 2 yrs)	2.39	2.38	2.34	24	-	-	-	1,547.41	$24,439	$1,069
	Basic Flyer Home Loan Variable (Construction) (Interest Only) - Owner Occupied	2.19	2.30	-	0	-	-	-	1,516.77	$24,527	$1,158
	Basic Flyer Home Loan Variable (Construction) - Owner Occupied	2.19	2.30	-	0	-	-	-	1,516.77	$24,527	$1,158
	Basic Flyer Home Loan Variable (P & I) - Investment	2.34	2.36	-	0	-	-	-	1,547.41	$24,609	$1,158
	Fixed Rate Loan (P & I) - Investment(Fixed 3 yrs)	2.39	2.40	2.34	36	2.34	2.34	2.64	1,547.41	$24,632	$1,114
	Premium Package Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	3.25	3.26	2.04	36	2.18	2.04	-	1,486.49	$24,695	$1,069
	Basic Flyer Home Loan 1 Year Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	2.19	2.25	2.64	12	-	-	-	1,609.75	$24,711	$1,158
	Fixed Rate Loan (P & I) - Investment(Fixed 2 yrs)	2.39	2.40	2.34	24	2.34	2.34	2.64	1,547.41	$24,738	$1,114
	Vivid Basic Variable (P & I) Owner Occupied	2.29	2.35	-	0	-	-	-	1,537.16	$24,753	$1,158
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	2.39	2.39	-	0	-	-	-	1,557.70	$24,774	$1,247
	Home Package Plus Variable Special Offer (Construction) (P & I) - Owner Occupied	2.39	2.39	-	0	-	-	-	1,557.70	$24,774	$1,069
	Home Package Plus Variable Special Offer (P & I) - Owner Occupied	2.39	2.39	-	0	-	-	-	1,557.70	$24,774	$1,069
	Home Package Plus Variable (First Home Buyers Only) Special Offer (Construction) (P & I) - Owner Occupied	2.39	2.39	-	0	-	-	-	1,557.70	$24,774	$1,069
	Home Package Plus Variable (First Home Buyers Only) Special Offer (P & I) - Owner Occupied	2.39	2.39	-	0	-	-	-	1,557.70	$24,774	$1,069
	Basic Package Fixed (P & I) - Owner Occupied (Fixed 3 yrs)	2.49	2.47	2.34	36	2.04	2.34	-	1,547.41	$24,803	$1,158
	Classic Home Loan (P & I) - Owner Occupied	2.34	2.38	-	0	-	-	-	1,547.41	$24,846	$1,069
	Classic Fixed Saver Home Loan (P & I) - Owner Occupied(Fixed 1 yrs)	2.07	2.57	2.24	12	2.24	2.24	-	1,526.95	$24,868	$1,069
	Fixed Rate Loan (P & I) - Investment(Fixed 1 yrs)	2.39	2.40	2.34	12	2.34	2.34	2.64	1,547.41	$24,885	$1,114
	Offset Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied (Fixed 2 yrs)	2.59	2.57	2.19	24	-	-	-	1,516.77	$24,931	$1,069
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied(Fixed 2 yrs)	2.59	2.57	2.19	24	-	-	-	1,516.77	$24,931	$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
	Offset Flyer Home Loan Package Variable (P & I) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Owner Occupied		0.00
	Basic Home Loan (P&I) - Investment		0.00
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 3 yrs)		0.00
	Basic Variable (P & I) - Owner Occupied		0.00
	Home Package Plus Fixed Special Offer (P & I) - Owner Occupied(Fixed 2 yrs)		0.00
	Basic Flyer Home Loan Variable (Construction) (Interest Only) - Owner Occupied		0.00
	Basic Flyer Home Loan Variable (Construction) - Owner Occupied		0.00
	Basic Flyer Home Loan Variable (P & I) - Investment		0.00
	Fixed Rate Loan (P & I) - Investment(Fixed 3 yrs)		0.00
	Premium Package Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)		0.00
	Basic Flyer Home Loan 1 Year Fixed (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	Fixed Rate Loan (P & I) - Investment(Fixed 2 yrs)		0.00
	Vivid Basic Variable (P & I) Owner Occupied		0.00
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied		0.00
	Home Package Plus Variable Special Offer (Construction) (P & I) - Owner Occupied		0.00
	Home Package Plus Variable Special Offer (P & I) - Owner Occupied		0.00
	Home Package Plus Variable (First Home Buyers Only) Special Offer (Construction) (P & I) - Owner Occupied		0.00
	Home Package Plus Variable (First Home Buyers Only) Special Offer (P & I) - Owner Occupied		0.00
	Basic Package Fixed (P & I) - Owner Occupied (Fixed 3 yrs)		0.00
	Classic Home Loan (P & I) - Owner Occupied		0.00
	Classic Fixed Saver Home Loan (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	Fixed Rate Loan (P & I) - Investment(Fixed 1 yrs)		0.00
	Offset Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied (Fixed 2 yrs)		0.00
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied(Fixed 2 yrs)		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Offset Flyer Home Loan Package Variable (P & I) - Owner Occupied	363.00	248.00	0.00	400.00
	Basic Variable Loan Special (P&I) - Owner Occupied	600.00	0.00	0.00	350.00
	Basic Home Loan (P&I) - Investment	603.00	0.00	0.00	350.00
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	1,150.00	0.00	0.00	0.00
	Basic Variable (P & I) - Owner Occupied	649.00	0.00	0.00	350.00
	Home Package Plus Fixed Special Offer (P & I) - Owner Occupied(Fixed 2 yrs)	0.00	0.00	0.00	350.00
	Basic Flyer Home Loan Variable (Construction) (Interest Only) - Owner Occupied	1,863.00	0.00	0.00	400.00
	Basic Flyer Home Loan Variable (Construction) - Owner Occupied	1,863.00	0.00	0.00	400.00
	Basic Flyer Home Loan Variable (P & I) - Investment	363.00	0.00	0.00	400.00
	Fixed Rate Loan (P & I) - Investment(Fixed 3 yrs)	299.00	0.00	0.00	250.00
	Premium Package Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	0.00	299.00	0.00	300.00
	Basic Flyer Home Loan 1 Year Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	363.00	0.00	0.00	400.00
	Fixed Rate Loan (P & I) - Investment(Fixed 2 yrs)	299.00	0.00	0.00	250.00
	Vivid Basic Variable (P & I) Owner Occupied	1,035.00	0.00	0.00	0.00
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	Home Package Plus Variable Special Offer (Construction) (P & I) - Owner Occupied	0.00	0.00	0.00	350.00
	Home Package Plus Variable Special Offer (P & I) - Owner Occupied	0.00	0.00	0.00	350.00
	Home Package Plus Variable (First Home Buyers Only) Special Offer (Construction) (P & I) - Owner Occupied	0.00	0.00	0.00	350.00
	Home Package Plus Variable (First Home Buyers Only) Special Offer (P & I) - Owner Occupied	0.00	0.00	0.00	350.00
	Basic Package Fixed (P & I) - Owner Occupied (Fixed 3 yrs)	295.00	0.00	0.00	390.00
	Classic Home Loan (P & I) - Owner Occupied	600.00	0.00	0.00	0.00
	Classic Fixed Saver Home Loan (P & I) - Owner Occupied(Fixed 1 yrs)	856.35	395.00	0.00	795.00
	Fixed Rate Loan (P & I) - Investment(Fixed 1 yrs)	299.00	0.00	0.00	250.00
	Offset Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied (Fixed 2 yrs)	720.00	0.00	0.00	550.00
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied(Fixed 2 yrs)	720.00	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
	Offset Flyer Home Loan Package Variable (P & I) - Owner Occupied	150000	30	70
	Basic Variable Loan Special (P&I) - Owner Occupied	30000	30	95
	Basic Home Loan (P&I) - Investment	100000	30	90
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	100000	30	90
	Basic Variable (P & I) - Owner Occupied	350000	30	90
	Home Package Plus Fixed Special Offer (P & I) - Owner Occupied(Fixed 2 yrs)	150000	30	80
	Basic Flyer Home Loan Variable (Construction) (Interest Only) - Owner Occupied	150000	30	60
	Basic Flyer Home Loan Variable (Construction) - Owner Occupied	150000	30	80
	Basic Flyer Home Loan Variable (P & I) - Investment	150000	30	80
	Fixed Rate Loan (P & I) - Investment(Fixed 3 yrs)	50000	30	80
	Premium Package Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	150000	30
	Basic Flyer Home Loan 1 Year Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	150000	30	70
	Fixed Rate Loan (P & I) - Investment(Fixed 2 yrs)	50000	30	80
	Vivid Basic Variable (P & I) Owner Occupied	50000	30	80
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	50000	30
	Home Package Plus Variable Special Offer (Construction) (P & I) - Owner Occupied	150000	30	70
	Home Package Plus Variable Special Offer (P & I) - Owner Occupied	150000	30	80
	Home Package Plus Variable (First Home Buyers Only) Special Offer (Construction) (P & I) - Owner Occupied	150000	30	80
	Home Package Plus Variable (First Home Buyers Only) Special Offer (P & I) - Owner Occupied	150000	30	80
	Basic Package Fixed (P & I) - Owner Occupied (Fixed 3 yrs)	40000	30	90
	Classic Home Loan (P & I) - Owner Occupied	150000	30
	Classic Fixed Saver Home Loan (P & I) - Owner Occupied(Fixed 1 yrs)	50000	30	70
	Fixed Rate Loan (P & I) - Investment(Fixed 1 yrs)	50000	30	80
	Offset Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied (Fixed 2 yrs)	50000	30	80
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied(Fixed 2 yrs)	50000	30	80
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Offset Flyer Home Loan Package Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Owner Occupied	$1,158.30	$827.36
	Basic Home Loan (P&I) - Investment	$1,247.40	$891.00
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	$891.00	$636.43
	Basic Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Home Package Plus Fixed Special Offer (P & I) - Owner Occupied(Fixed 2 yrs)	$1,069.20	$763.71
	Basic Flyer Home Loan Variable (Construction) (Interest Only) - Owner Occupied	$1,158.30	$827.36
	Basic Flyer Home Loan Variable (Construction) - Owner Occupied	$1,158.30	$827.36
	Basic Flyer Home Loan Variable (P & I) - Investment	$1,158.30	$827.36
	Fixed Rate Loan (P & I) - Investment(Fixed 3 yrs)	$1,113.75	$795.54
	Premium Package Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	$1,069.20	$763.71
	Basic Flyer Home Loan 1 Year Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	$1,158.30	$827.36
	Fixed Rate Loan (P & I) - Investment(Fixed 2 yrs)	$1,113.75	$795.54
	Vivid Basic Variable (P & I) Owner Occupied	$1,158.30	$827.36
	& Basic Home Loan Variable (Up to 60%) (P & I) - Owner Occupied	$1,247.40	$891.00
	Home Package Plus Variable Special Offer (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Home Package Plus Variable Special Offer (P & I) - Owner Occupied	$1,069.20	$763.71
	Home Package Plus Variable (First Home Buyers Only) Special Offer (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Home Package Plus Variable (First Home Buyers Only) Special Offer (P & I) - Owner Occupied	$1,069.20	$763.71
	Basic Package Fixed (P & I) - Owner Occupied (Fixed 3 yrs)	$1,158.30	$827.36
	Classic Home Loan (P & I) - Owner Occupied	$1,069.20	$763.71
	Classic Fixed Saver Home Loan (P & I) - Owner Occupied(Fixed 1 yrs)	$1,069.20	$763.71
	Fixed Rate Loan (P & I) - Investment(Fixed 1 yrs)	$1,113.75	$795.54
	Offset Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied (Fixed 2 yrs)	$1,069.20	$763.71
	Basic Variable 2 Year Intro Broker Special Discount (P&I) - Owner Occupied(Fixed 2 yrs)	$1,069.20	$763.71
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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