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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 Home Loan Package 1 Year Fixed (Interest Only) - Investment(Fixed 1 yrs)	2.69	2.99	2.79	12	-	-	-	1,641.45	$29,930	$1,158
	Professional Package Fixed (P & I) - Investment(Fixed 3 yrs)	3.12	3.37	2.60	36	2.49	2.49	-	1,601.36	$29,953	$1,158
	Home Advantage Fixed (Interest Only) - Investment (Fixed 2 yrs)	2.99	3.30	2.49	24	2.49	2.49	-	1,578.40	$29,977	$980
	Fixed Option (PAP) (P&I) - Investment(Fixed 3 yrs)	3.74	3.81	2.49	36	2.49	2.49	2.79	1,578.40	$30,010	$891
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment(Fixed 2 yrs)	2.98	3.33	2.49	24	2.49	2.49	3.39	1,578.40	$30,023	$1,069
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	3.70	3.79	2.49	36	2.29	2.49	2.79	1,578.40	$30,039	$1,158
	Fixed Rate (P & I) - Owner Occupied(Fixed 1 yrs)	3.03	3.02	2.44	12	2.59	2.74	3.13	1,568.03	$30,062	$1,069
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 4 yrs)	2.99	3.30	2.69	48	2.24	2.69	7.69	1,620.28	$30,064	$1,025
	Complete Fixed Home Loan (P & I) - Investment(Fixed 5 yrs)	3.92	3.83	2.68	60	2.69	2.34	2.68	1,618.17	$30,069	$1,158
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	3.72	3.81	2.49	36	2.29	2.49	2.79	1,578.40	$30,075	$1,158
	Back to Basics Variable Special Offer (Interest Only) - Investment	2.89	2.89	-	0	-	-	-	1,662.78	$30,076	$1,069
	Back to Basics Variable Special Offer (Construction) (Interest Only) - Investment	2.89	2.89	-	0	-	-	-	1,662.78	$30,076	$1,069
	Home Package Plus Variable Special Offer (P & I) - Investment	2.89	2.89	-	0	-	-	-	1,662.78	$30,076	$1,069
	Home Package Plus Variable Special Offer (Construction) (P & I) - Investment	2.89	2.89	-	0	-	-	-	1,662.78	$30,076	$1,069
	Offset Flyer Home Loan Package Variable (Interest Only) - Investment	2.74	3.03	-	0	-	-	-	1,630.85	$30,084	$1,158
	Fixed Rate Loan (Interest Only) - Investment(Fixed 1 yrs)	3.04	3.01	2.54	12	2.54	2.54	2.94	1,588.81	$30,087	$1,114
	Fixed Option (P&I) - Owner Occupied (Fixed 5 yrs)	4.48	3.93	2.79	60	2.29	2.29	2.49	1,641.45	$30,093	$891
	Low Rate Essentials Variable Special (P & I) - Investment	2.85	2.88	-	0	-	-	-	1,654.23	$30,126	$1,069
	Classic Saver Home Loan (Construction) (P & I) - Investment	2.63	3.10	-	0	-	-	-	1,607.65	$30,145	$1,069
	Home Advantage Variable (P & I) - Owner Occupied	2.69	3.09	-	0	-	-	-	1,620.28	$30,150	$980
	Basic Home Loan 2 Year Fixed (P & I) - Investment(Fixed 2 yrs)	2.39	2.54	3.14	24	-	-	-	1,716.77	$30,168	$1,158
	Basic Variable (No LMI) (80.01% to 85%) (P & I) - Investment	2.84	2.88	-	0	-	-	-	1,652.10	$30,193	$1,158
	Classic Fixed Saver Home Loan (Interest Only) - Investment(Fixed 1 yrs)	2.58	3.07	2.74	12	2.74	-	-	1,630.85	$30,216	$1,069
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	2.69	3.13	-	0	-	-	-	1,620.28	$30,228	$1,247
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment(Fixed 1 yrs)	2.69	3.13	2.69	12	2.69	2.69	-	1,620.28	$30,228	$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
	Offset Home Loan Package 1 Year Fixed (Interest Only) - Investment(Fixed 1 yrs)		0.00
	Professional Package Fixed (P & I) - Investment(Fixed 3 yrs)		0.00
	Home Advantage Fixed (Interest Only) - Investment (Fixed 2 yrs)		0.00
	Fixed Option (PAP) (P&I) - Investment(Fixed 3 yrs)		0.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment(Fixed 2 yrs)		0.00
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)		0.00
	Fixed Rate (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 4 yrs)		0.00
	Complete Fixed Home Loan (P & I) - Investment(Fixed 5 yrs)		0.00
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)		0.00
	Back to Basics Variable Special Offer (Interest Only) - Investment		20.00
	Back to Basics Variable Special Offer (Construction) (Interest Only) - Investment		20.00
	Home Package Plus Variable Special Offer (P & I) - Investment		0.00
	Home Package Plus Variable Special Offer (Construction) (P & I) - Investment		0.00
	Offset Flyer Home Loan Package Variable (Interest Only) - Investment		0.00
	Fixed Rate Loan (Interest Only) - Investment(Fixed 1 yrs)		0.00
	Fixed Option (P&I) - Owner Occupied (Fixed 5 yrs)		0.00
	Low Rate Essentials Variable Special (P & I) - Investment		0.00
	Classic Saver Home Loan (Construction) (P & I) - Investment		0.00
	Home Advantage Variable (P & I) - Owner Occupied		0.00
	Basic Home Loan 2 Year Fixed (P & I) - Investment(Fixed 2 yrs)		0.00
	Basic Variable (No LMI) (80.01% to 85%) (P & I) - Investment		0.00
	Classic Fixed Saver Home Loan (Interest Only) - Investment(Fixed 1 yrs)		0.00
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment		0.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment(Fixed 1 yrs)		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Offset Home Loan Package 1 Year Fixed (Interest Only) - Investment(Fixed 1 yrs)	363.00	248.00	0.00	400.00
	Professional Package Fixed (P & I) - Investment(Fixed 3 yrs)	295.00	349.00	0.00	350.00
	Home Advantage Fixed (Interest Only) - Investment (Fixed 2 yrs)	450.00	350.00	0.00	300.00
	Fixed Option (PAP) (P&I) - Investment(Fixed 3 yrs)	0.00	395.00	0.00	350.00
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment(Fixed 2 yrs)	310.00	395.00	0.00	350.00
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	100.00	395.00	0.00	350.00
	Fixed Rate (P & I) - Owner Occupied(Fixed 1 yrs)	720.00	0.00	0.00	550.00
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 4 yrs)	0.00	395.00	0.00	160.00
	Complete Fixed Home Loan (P & I) - Investment(Fixed 5 yrs)	250.00	395.00	0.00	338.00
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	100.00	395.00	0.00	350.00
	Back to Basics Variable Special Offer (Interest Only) - Investment	0.00	0.00	0.00	350.00
	Back to Basics Variable Special Offer (Construction) (Interest Only) - Investment	0.00	0.00	0.00	350.00
	Home Package Plus Variable Special Offer (P & I) - Investment	0.00	0.00	0.00	350.00
	Home Package Plus Variable Special Offer (Construction) (P & I) - Investment	0.00	0.00	0.00	350.00
	Offset Flyer Home Loan Package Variable (Interest Only) - Investment	363.00	248.00	0.00	400.00
	Fixed Rate Loan (Interest Only) - Investment(Fixed 1 yrs)	299.00	0.00	0.00	250.00
	Fixed Option (P&I) - Owner Occupied (Fixed 5 yrs)	600.00	0.00	8.00	350.00
	Low Rate Essentials Variable Special (P & I) - Investment	475.00	0.00	0.00	300.00
	Classic Saver Home Loan (Construction) (P & I) - Investment	856.35	395.00	0.00	795.00
	Home Advantage Variable (P & I) - Owner Occupied	450.00	350.00	0.00	300.00
	Basic Home Loan 2 Year Fixed (P & I) - Investment(Fixed 2 yrs)	363.00	0.00	0.00	400.00
	Basic Variable (No LMI) (80.01% to 85%) (P & I) - Investment	649.00	0.00	0.00	350.00
	Classic Fixed Saver Home Loan (Interest Only) - Investment(Fixed 1 yrs)	856.35	395.00	0.00	795.00
	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) (P & I) Special Offer - Investment(Fixed 1 yrs)	303.00	395.00	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
	Offset Home Loan Package 1 Year Fixed (Interest Only) - Investment(Fixed 1 yrs)	150000	30	80
	Professional Package Fixed (P & I) - Investment(Fixed 3 yrs)	100000	30	80
	Home Advantage Fixed (Interest Only) - Investment (Fixed 2 yrs)	150000	30	90
	Fixed Option (PAP) (P&I) - Investment(Fixed 3 yrs)	150000	30	70
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment(Fixed 2 yrs)	40000	30	80
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	150000	30	60
	Fixed Rate (P & I) - Owner Occupied(Fixed 1 yrs)	50000	30	80
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 4 yrs)	150000	30	80
	Complete Fixed Home Loan (P & I) - Investment(Fixed 5 yrs)	200000	30	90
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	100000	30	60
	Back to Basics Variable Special Offer (Interest Only) - Investment	150000	30	80
	Back to Basics Variable Special Offer (Construction) (Interest Only) - Investment	150000	30	80
	Home Package Plus Variable Special Offer (P & I) - Investment	150000	30	80
	Home Package Plus Variable Special Offer (Construction) (P & I) - Investment	150000	30	90
	Offset Flyer Home Loan Package Variable (Interest Only) - Investment	150000	30	70
	Fixed Rate Loan (Interest Only) - Investment(Fixed 1 yrs)	50000	30	80
	Fixed Option (P&I) - Owner Occupied (Fixed 5 yrs)	15000	30	70
	Low Rate Essentials Variable Special (P & I) - Investment	50000	30	80
	Classic Saver Home Loan (Construction) (P & I) - Investment	50000	30	80
	Home Advantage Variable (P & I) - Owner Occupied	150000	30	95
	Basic Home Loan 2 Year Fixed (P & I) - Investment(Fixed 2 yrs)	150000	30	70
	Basic Variable (No LMI) (80.01% to 85%) (P & I) - Investment	350000	30	85
	Classic Fixed Saver Home Loan (Interest Only) - Investment(Fixed 1 yrs)	50000	30	70
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	100000	30	75
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment(Fixed 1 yrs)	100000	30	75
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Offset Home Loan Package 1 Year Fixed (Interest Only) - Investment(Fixed 1 yrs)	$1,158.30	$827.36
	Professional Package Fixed (P & I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
	Home Advantage Fixed (Interest Only) - Investment (Fixed 2 yrs)	$980.10	$700.07
	Fixed Option (PAP) (P&I) - Investment(Fixed 3 yrs)	$891.00	$636.43
	Flexible Home Loan Fixed (Member Package) (P & I) - Investment(Fixed 2 yrs)	$1,069.20	$763.71
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
	Fixed Rate (P & I) - Owner Occupied(Fixed 1 yrs)	$1,069.20	$763.71
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 4 yrs)	$1,024.65	$731.89
	Complete Fixed Home Loan (P & I) - Investment(Fixed 5 yrs)	$1,158.30	$827.36
	Advantage Package Fixed Loan (P&I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
	Back to Basics Variable Special Offer (Interest Only) - Investment	$1,069.20	$763.71
	Back to Basics Variable Special Offer (Construction) (Interest Only) - Investment	$1,069.20	$763.71
	Home Package Plus Variable Special Offer (P & I) - Investment	$1,069.20	$763.71
	Home Package Plus Variable Special Offer (Construction) (P & I) - Investment	$1,069.20	$763.71
	Offset Flyer Home Loan Package Variable (Interest Only) - Investment	$1,158.30	$827.36
	Fixed Rate Loan (Interest Only) - Investment(Fixed 1 yrs)	$1,113.75	$795.54
	Fixed Option (P&I) - Owner Occupied (Fixed 5 yrs)	$891.00	$636.43
	Low Rate Essentials Variable Special (P & I) - Investment	$1,069.20	$763.71
	Classic Saver Home Loan (Construction) (P & I) - Investment	$1,069.20	$763.71
	Home Advantage Variable (P & I) - Owner Occupied	$980.10	$700.07
	Basic Home Loan 2 Year Fixed (P & I) - Investment(Fixed 2 yrs)	$1,158.30	$827.36
	Basic Variable (No LMI) (80.01% to 85%) (P & I) - Investment	$1,158.30	$827.36
	Classic Fixed Saver Home Loan (Interest Only) - Investment(Fixed 1 yrs)	$1,069.20	$763.71
	Standard Home Loan Plus Variable (Freedom Package) (P & I) Special Offer - Investment	$1,247.40	$891.00
	Standard Home Loan Plus Fixed (Freedom Package) (P & I) Special Offer - Investment(Fixed 1 yrs)	$1,247.40	$891.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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