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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
	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
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
	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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