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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
  • 4 years
  • 5 years
  • 6 years
  • 7 years
  • 8 years
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Refund Up To
Intro Rate Term (months) 2 Yr 3 Yr 5 Yr
Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment 3.44 3.46 - 0 - - - 1,782.81 $36,287 $891
Breakthrough Clear Variable (P & I) - Owner Occupied 3.37 3.45 - 0 - - - 1,767.28 $36,485 $891
Breakthrough 85% No LMI (P & I) - Owner Occupied 3.49 3.49 - 0 - - - 1,793.95 $36,494 $891
Low Rate Essentials Variable (Interest Only) - Investment 3.45 3.48 - 0 - - - 1,785.03 $36,540 $1,069
Your Way Basic Variable (P & I) - Investment 3.44 3.48 - 0 - - - 1,782.81 $36,557 $1,069
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 2 yrs) 3.99 3.87 3.14 24 3.14 3.24 3.54 1,716.77 $36,593 $1,158
Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied 3.31 3.73 - 0 - - - 1,754.02 $36,841 $1,247
Green Home Loan (Interest Only) - Owner Occupied 3.34 3.67 - 0 - - - 1,760.64 $36,854 $1,069
Discount Variable (P & I) - Investment 3.48 3.51 - 0 - - - 1,791.72 $36,897 $980
Premium Package Home Loan Variable (P & I) - Investment 3.39 3.69 - 0 - - - 1,771.71 $36,916 $1,069
SmartFix Fixed (P & I) - Owner Occupied(Fixed 3 yrs) 3.99 4.02 3.29 36 3.19 3.29 3.59 1,749.62 $36,996 $1,158
& Basic Home Loan Variable (P & I) - Investment 3.54 3.54 - 0 - - - 1,805.12 $37,032 $1,247
HGS Basic Home Loan (P&I) - Owner Occupied 3.51 3.55 - 0 - - - 1,798.41 $37,312 $1,247
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 5 yrs) 3.99 3.84 3.54 60 3.14 3.24 3.54 1,805.12 $37,527 $1,158
Your Way Basic Variable (Interest Only) - Owner Occupied 3.54 3.58 - 0 - - - 1,805.12 $37,632 $1,069
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 4 yrs) 3.99 3.87 3.54 48 3.14 3.24 3.54 1,805.12 $37,738 $1,158
SmartFix Fixed (P & I) - Owner Occupied(Fixed 2 yrs) 3.99 4.06 3.19 24 3.19 3.29 3.59 1,727.68 $37,833 $1,158
Options Prime Home Loan (P & I) - Owner Occupied 3.59 3.61 - 0 - - - 1,816.33 $37,856 $1,069
Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied 3.59 3.61 - 0 - - - 1,816.33 $37,900 $891
Resimac Prime Variable (Standard) (P & I) - Owner Occupied 3.59 3.61 - 0 - - - 1,816.33 $37,900 $1,069
Premium Standard Variable (P & I) - Owner Occupied 3.59 3.62 - 0 - - - 1,816.33 $37,970 $1,158
Premium Package Home Loan Variable (Interest Only) - Investment 3.49 3.79 - 0 - - - 1,793.95 $37,989 $1,069
Your Way Plus Home Loan Variable (Essential Workers Only) (P & I) - Owner Occupied 3.49 3.79 - 0 - - - 1,793.95 $37,994 $1,069
Classic Saver Home Loan (P & I) - Owner Occupied 3.37 3.82 - 0 - - - 1,767.28 $38,030 $1,069
SmartSaver Variable (P & I) - Investment 3.59 3.62 - 0 - - - 1,816.33 $38,065 $1,158
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
Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment   0.00  
Breakthrough Clear Variable (P & I) - Owner Occupied  0.00  
Breakthrough 85% No LMI (P & I) - Owner Occupied  0.00  
Low Rate Essentials Variable (Interest Only) - Investment   0.00  
Your Way Basic Variable (P & I) - Investment  0.00  
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 2 yrs)  0.00  
Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied  0.00  
Green Home Loan (Interest Only) - Owner Occupied  0.00  
Discount Variable (P & I) - Investment  0.00  
Premium Package Home Loan Variable (P & I) - Investment   0.00  
SmartFix Fixed (P & I) - Owner Occupied(Fixed 3 yrs)  25.00  
& Basic Home Loan Variable (P & I) - Investment  0.00  
HGS Basic Home Loan (P&I) - Owner Occupied   0.00  
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 5 yrs)  0.00  
Your Way Basic Variable (Interest Only) - Owner Occupied   0.00  
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 4 yrs)  0.00  
SmartFix Fixed (P & I) - Owner Occupied(Fixed 2 yrs)  25.00  
Options Prime Home Loan (P & I) - Owner Occupied  0.00  
Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied  0.00  
Resimac Prime Variable (Standard) (P & I) - Owner Occupied  0.00  
Premium Standard Variable (P & I) - Owner Occupied  0.00  
Premium Package Home Loan Variable (Interest Only) - Investment  0.00  
Your Way Plus Home Loan Variable (Essential Workers Only) (P & I) - Owner Occupied  0.00  
Classic Saver Home Loan (P & I) - Owner Occupied  0.00  
SmartSaver Variable (P & I) - Investment  0.00  
Lender Product Name Redraw Redraw Fee 100% Offset
Lender Product Name Upfront Fee Annual Fee Monthly Fee Discharge Fee
Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment 330.00  0.00  0.00  300.00 
Breakthrough Clear Variable (P & I) - Owner Occupied 1,279.00  0.00  0.00  300.00 
Breakthrough 85% No LMI (P & I) - Owner Occupied 0.00  0.00  0.00  300.00 
Low Rate Essentials Variable (Interest Only) - Investment 475.00  0.00  0.00  300.00 
Your Way Basic Variable (P & I) - Investment 600.00  0.00  0.00  0.00 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 2 yrs) 495.00  0.00  0.00  325.00 
Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied 303.00  395.00  0.00  350.00 
Green Home Loan (Interest Only) - Owner Occupied 475.00  299.00  0.00  300.00 
Discount Variable (P & I) - Investment 510.00  0.00  0.00  345.00 
Premium Package Home Loan Variable (P & I) - Investment 0.00  299.00  0.00  300.00 
SmartFix Fixed (P & I) - Owner Occupied(Fixed 3 yrs) 495.00  0.00  15.00  325.00 
& Basic Home Loan Variable (P & I) - Investment 0.00  0.00  0.00  0.00 
HGS Basic Home Loan (P&I) - Owner Occupied 603.00  0.00  0.00  350.00 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 5 yrs) 495.00  0.00  0.00  325.00 
Your Way Basic Variable (Interest Only) - Owner Occupied 600.00  0.00  0.00  0.00 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 4 yrs) 495.00  0.00  0.00  325.00 
SmartFix Fixed (P & I) - Owner Occupied(Fixed 2 yrs) 495.00  0.00  15.00  325.00 
Options Prime Home Loan (P & I) - Owner Occupied 286.00  0.00  0.00  300.00 
Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied 330.00  0.00  0.00  300.00 
Resimac Prime Variable (Standard) (P & I) - Owner Occupied 330.00  0.00  0.00  608.00 
Premium Standard Variable (P & I) - Owner Occupied 400.00  0.00  0.00  300.00 
Premium Package Home Loan Variable (Interest Only) - Investment 0.00  299.00  0.00  300.00 
Your Way Plus Home Loan Variable (Essential Workers Only) (P & I) - Owner Occupied 0.00  300.00  0.00  0.00 
Classic Saver Home Loan (P & I) - Owner Occupied 849.00  395.00  0.00  795.00 
SmartSaver Variable (P & I) - Investment 495.00  0.00  0.00  325.00 
Lender Product Name Upfront Fee Annual Fee Monthly Fee Discharge Fee
Lender Product Name Minimum Loan Amount Maximum Loan Term Max LVR Owner
Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment 150000  30  70 
Breakthrough Clear Variable (P & I) - Owner Occupied 150000  30  70 
Breakthrough 85% No LMI (P & I) - Owner Occupied 150000  30   
Low Rate Essentials Variable (Interest Only) - Investment 50000  30  80 
Your Way Basic Variable (P & I) - Investment 150000  30   
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 2 yrs) 10000  30  90 
Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied 100000  30  95 
Green Home Loan (Interest Only) - Owner Occupied 250000  30  80 
Discount Variable (P & I) - Investment 150000  30  90 
Premium Package Home Loan Variable (P & I) - Investment 150000  30  85 
SmartFix Fixed (P & I) - Owner Occupied(Fixed 3 yrs) 10000  30   
& Basic Home Loan Variable (P & I) - Investment 50000  30  90 
HGS Basic Home Loan (P&I) - Owner Occupied 100000  30  95 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 5 yrs) 10000  30  90 
Your Way Basic Variable (Interest Only) - Owner Occupied 150000  30   
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 4 yrs) 10000  30  90 
SmartFix Fixed (P & I) - Owner Occupied(Fixed 2 yrs) 10000  30   
Options Prime Home Loan (P & I) - Owner Occupied 150000  30  80 
Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied 150000  30  95 
Resimac Prime Variable (Standard) (P & I) - Owner Occupied 50000  30  90 
Premium Standard Variable (P & I) - Owner Occupied 150000  30  80 
Premium Package Home Loan Variable (Interest Only) - Investment 150000  30  80 
Your Way Plus Home Loan Variable (Essential Workers Only) (P & I) - Owner Occupied 150000  30  90 
Classic Saver Home Loan (P & I) - Owner Occupied 50000  30  70 
SmartSaver Variable (P & I) - Investment 10000  30   
Lender Product Name Minimum Loan Amount Maximum Loan Term Max LVR Owner
Lender Product Name Current Customers Refund First Time Customers Refund
Breakthrough Prime Variable (Low Doc) (Interest Only) - Investment $891.00  $636.43 
Breakthrough Clear Variable (P & I) - Owner Occupied$891.00  $636.43 
Breakthrough 85% No LMI (P & I) - Owner Occupied$891.00  $636.43 
Low Rate Essentials Variable (Interest Only) - Investment $1,069.20  $763.71 
Your Way Basic Variable (P & I) - Investment$1,069.20  $763.71 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 2 yrs)$1,158.30  $827.36 
Home Loan Plus Variable (Freedom Package) (P & I) - Owner Occupied$1,247.40  $891.00 
Green Home Loan (Interest Only) - Owner Occupied$1,069.20  $763.71 
Discount Variable (P & I) - Investment$980.10  $700.07 
Premium Package Home Loan Variable (P & I) - Investment $1,069.20  $763.71 
SmartFix Fixed (P & I) - Owner Occupied(Fixed 3 yrs)$1,158.30  $827.36 
& Basic Home Loan Variable (P & I) - Investment$1,247.40  $891.00 
HGS Basic Home Loan (P&I) - Owner Occupied $1,247.40  $891.00 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 5 yrs)$1,158.30  $827.36 
Your Way Basic Variable (Interest Only) - Owner Occupied $1,069.20  $763.71 
SmartSaver Fixed (P & I) - Owner Occupied(Fixed 4 yrs)$1,158.30  $827.36 
SmartFix Fixed (P & I) - Owner Occupied(Fixed 2 yrs)$1,158.30  $827.36 
Options Prime Home Loan (P & I) - Owner Occupied$1,069.20  $763.71 
Breakthrough Quickstart Variable (90.01% - 98%) (P & I) - Owner Occupied$891.00  $636.43 
Resimac Prime Variable (Standard) (P & I) - Owner Occupied$1,069.20  $763.71 
Premium Standard Variable (P & I) - Owner Occupied$1,158.30  $827.36 
Premium Package Home Loan Variable (Interest Only) - Investment$1,069.20  $763.71 
Your Way Plus Home Loan Variable (Essential Workers Only) (P & I) - Owner Occupied$1,069.20  $763.71 
Classic Saver Home Loan (P & I) - Owner Occupied$1,069.20  $763.71 
SmartSaver Variable (P & I) - Investment$1,158.30  $827.36 
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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