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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
	Your Way Basic Variable (Construction) (Interest Only) - Owner Occupied	3.54	3.61	-	0	-	-	-	1,805.12	$38,082	$1,069
	Breakthrough Clear Variable (Interest Only) - Owner Occupied	3.52	3.60	-	0	-	-	-	1,800.65	$38,096	$891
	SmartSaver Fixed (P & I) - Investment(Fixed 3 yrs)	3.89	3.83	3.54	36	3.44	3.54	3.84	1,805.12	$38,156	$1,158
	SmartSaver Fixed (P & I) - Investment(Fixed 2 yrs)	3.89	3.84	3.44	24	3.44	3.54	3.84	1,782.81	$38,235	$1,158
	Back to Basics Variable Special Offer (Construction) (P & I) - Owner Occupied	3.67	3.67	-	0	-	-	-	1,834.35	$38,431	$1,069
	Back to Basics Variable Special Offer (P & I) - Owner Occupied	3.67	3.67	-	0	-	-	-	1,834.35	$38,431	$1,069
	Beyond Boss Prime (No Offset) (P & I) - Owner Occupied	3.49	3.62	-	0	-	-	-	1,793.95	$38,504	$891
	Your Way Plus Home Loan Variable (P & I) - Owner Occupied	3.54	3.84	-	0	-	-	-	1,805.12	$38,532	$1,069
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	3.69	3.69	-	0	-	-	-	1,838.87	$38,647	$1,025
	Basic Home Loan Variable (P & I) - Owner Occupied	3.64	3.68	-	0	-	-	-	1,827.58	$38,668	$1,069
	Basic Variable Loan Special (P&I) - Investment	3.64	3.68	-	0	-	-	-	1,827.58	$38,708	$1,158
	Basic Variable Loan Special (P&I) - Investment	3.64	3.68	-	0	-	-	-	1,827.58	$38,708	$1,158
	Mortgage Simplifier Home Loan (P & I) - Owner Occupied	3.69	3.71	-	0	-	-	-	1,838.87	$38,946	$1,114
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	3.99	4.04	3.59	60	3.19	3.29	3.59	1,816.33	$38,965	$1,158
	SmartFit Variable (P & I) - Investment	3.59	3.81	-	0	-	-	-	1,816.33	$38,965	$1,158
	Home Loan Plus Variable (Freedom Package) (P & I) - Investment	3.51	3.93	-	0	-	-	-	1,798.41	$38,987	$1,247
	Basic Home Loan Variable (P & I) - Owner Occupied	3.69	3.71	-	0	-	-	-	1,838.87	$39,010	$1,158
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	3.99	3.94	3.14	12	3.14	3.24	3.54	1,716.77	$39,139	$1,158
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 4 yrs)	3.99	4.07	3.59	48	3.19	3.29	3.59	1,816.33	$39,153	$1,158
	Basic Variable Loan Special (P&I) - Investment	3.69	3.73	-	0	-	-	-	1,838.87	$39,247	$1,158
	Bold Variable (P & I) - Owner Occupied	3.63	3.71	-	0	-	-	-	1,825.33	$39,331	$1,158
	Beyond Boss Prime (With Offset) (P & I) - Owner Occupied	3.49	3.80	-	0	-	-	-	1,793.95	$39,404	$891
	SmartFix Fixed (P & I) - Investment (Fixed 2 yrs)	3.89	4.03	3.49	24	3.49	3.59	3.89	1,793.95	$39,475	$1,158
	SmartFix Fixed (P & I) - Investment (Fixed 3 yrs)	3.89	4.03	3.59	36	3.49	3.59	3.89	1,816.33	$39,504	$1,158
	Aspire Expat & Visa Holder (Standard Prime) (Construction) (P & I) - Owner Occupied	3.45	4.01	-	0	-	-	-	1,785.03	$39,565	$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
	Your Way Basic Variable (Construction) (Interest Only) - Owner Occupied		0.00
	Breakthrough Clear Variable (Interest Only) - Owner Occupied		0.00
	SmartSaver Fixed (P & I) - Investment(Fixed 3 yrs)		0.00
	SmartSaver Fixed (P & I) - Investment(Fixed 2 yrs)		0.00
	Back to Basics Variable Special Offer (Construction) (P & I) - Owner Occupied		0.00
	Back to Basics Variable Special Offer (P & I) - Owner Occupied		0.00
	Beyond Boss Prime (No Offset) (P & I) - Owner Occupied		0.00
	Your Way Plus Home Loan Variable (P & I) - Owner Occupied		0.00
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied		0.00
	Basic Home Loan Variable (P & I) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Investment		0.00
	Basic Variable Loan Special (P&I) - Investment		0.00
	Mortgage Simplifier Home Loan (P & I) - Owner Occupied		0.00
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 5 yrs)		25.00
	SmartFit Variable (P & I) - Investment		25.00
	Home Loan Plus Variable (Freedom Package) (P & I) - Investment		0.00
	Basic Home Loan Variable (P & I) - Owner Occupied		0.00
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 4 yrs)		25.00
	Basic Variable Loan Special (P&I) - Investment		0.00
	Bold Variable (P & I) - Owner Occupied		0.00
	Beyond Boss Prime (With Offset) (P & I) - Owner Occupied		0.00
	SmartFix Fixed (P & I) - Investment (Fixed 2 yrs)		25.00
	SmartFix Fixed (P & I) - Investment (Fixed 3 yrs)		25.00
	Aspire Expat & Visa Holder (Standard Prime) (Construction) (P & I) - Owner Occupied		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Your Way Basic Variable (Construction) (Interest Only) - Owner Occupied	1,050.00	0.00	0.00	0.00
	Breakthrough Clear Variable (Interest Only) - Owner Occupied	1,279.00	0.00	0.00	300.00
	SmartSaver Fixed (P & I) - Investment(Fixed 3 yrs)	495.00	0.00	0.00	325.00
	SmartSaver Fixed (P & I) - Investment(Fixed 2 yrs)	495.00	0.00	0.00	325.00
	Back to Basics Variable Special Offer (Construction) (P & I) - Owner Occupied	0.00	0.00	0.00	350.00
	Back to Basics Variable Special Offer (P & I) - Owner Occupied	0.00	0.00	0.00	350.00
	Beyond Boss Prime (No Offset) (P & I) - Owner Occupied	2,010.00	0.00	0.00	550.00
	Your Way Plus Home Loan Variable (P & I) - Owner Occupied	0.00	300.00	0.00	0.00
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	0.00	0.00	0.00	160.00
	Basic Home Loan Variable (P & I) - Owner Occupied	560.00	0.00	0.00	350.00
	Basic Variable Loan Special (P&I) - Investment	600.00	0.00	0.00	350.00
	Basic Variable Loan Special (P&I) - Investment	600.00	0.00	0.00	350.00
	Mortgage Simplifier Home Loan (P & I) - Owner Occupied	299.00	0.00	0.00	250.00
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	495.00	0.00	15.00	325.00
	SmartFit Variable (P & I) - Investment	495.00	0.00	15.00	325.00
	Home Loan Plus Variable (Freedom Package) (P & I) - Investment	303.00	395.00	0.00	350.00
	Basic Home Loan Variable (P & I) - Owner Occupied	363.00	0.00	0.00	400.00
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	495.00	0.00	0.00	325.00
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 4 yrs)	495.00	0.00	15.00	325.00
	Basic Variable Loan Special (P&I) - Investment	600.00	0.00	0.00	350.00
	Bold Variable (P & I) - Owner Occupied	1,330.00	0.00	0.00	895.00
	Beyond Boss Prime (With Offset) (P & I) - Owner Occupied	2,010.00	0.00	15.00	550.00
	SmartFix Fixed (P & I) - Investment (Fixed 2 yrs)	495.00	0.00	15.00	325.00
	SmartFix Fixed (P & I) - Investment (Fixed 3 yrs)	495.00	0.00	15.00	325.00
	Aspire Expat & Visa Holder (Standard Prime) (Construction) (P & I) - Owner Occupied	1,025.00	495.00	0.00	1,195.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Your Way Basic Variable (Construction) (Interest Only) - Owner Occupied	150000	30
	Breakthrough Clear Variable (Interest Only) - Owner Occupied	150000	30	70
	SmartSaver Fixed (P & I) - Investment(Fixed 3 yrs)	10000	30	90
	SmartSaver Fixed (P & I) - Investment(Fixed 2 yrs)	10000	30	90
	Back to Basics Variable Special Offer (Construction) (P & I) - Owner Occupied	150000	30	80
	Back to Basics Variable Special Offer (P & I) - Owner Occupied	150000	30	95
	Beyond Boss Prime (No Offset) (P & I) - Owner Occupied	50000	30	75
	Your Way Plus Home Loan Variable (P & I) - Owner Occupied	150000	30	80
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	50000	30	97
	Basic Home Loan Variable (P & I) - Owner Occupied	40000	30	80
	Basic Variable Loan Special (P&I) - Investment	30000	30	90
	Basic Variable Loan Special (P&I) - Investment	30000	30	90
	Mortgage Simplifier Home Loan (P & I) - Owner Occupied	50000	30	95
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	10000	30
	SmartFit Variable (P & I) - Investment	10000	30
	Home Loan Plus Variable (Freedom Package) (P & I) - Investment	100000	30	75
	Basic Home Loan Variable (P & I) - Owner Occupied	150000	30	70
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	10000	30	90
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 4 yrs)	10000	30
	Basic Variable Loan Special (P&I) - Investment	30000	30	90
	Bold Variable (P & I) - Owner Occupied	100000	30	80
	Beyond Boss Prime (With Offset) (P & I) - Owner Occupied	50000	30	70
	SmartFix Fixed (P & I) - Investment (Fixed 2 yrs)	10000	30
	SmartFix Fixed (P & I) - Investment (Fixed 3 yrs)	10000	30
	Aspire Expat & Visa Holder (Standard Prime) (Construction) (P & I) - Owner Occupied	50000	30	70
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Your Way Basic Variable (Construction) (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Breakthrough Clear Variable (Interest Only) - Owner Occupied	$891.00	$636.43
	SmartSaver Fixed (P & I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
	SmartSaver Fixed (P & I) - Investment(Fixed 2 yrs)	$1,158.30	$827.36
	Back to Basics Variable Special Offer (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Back to Basics Variable Special Offer (P & I) - Owner Occupied	$1,069.20	$763.71
	Beyond Boss Prime (No Offset) (P & I) - Owner Occupied	$891.00	$636.43
	Your Way Plus Home Loan Variable (P & I) - Owner Occupied	$1,069.20	$763.71
	Simplicity PLUS Variable Special Offer (P & I) - Owner Occupied	$1,024.65	$731.89
	Basic Home Loan Variable (P & I) - Owner Occupied	$1,069.20	$763.71
	Basic Variable Loan Special (P&I) - Investment	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Investment	$1,158.30	$827.36
	Mortgage Simplifier Home Loan (P & I) - Owner Occupied	$1,113.75	$795.54
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	$1,158.30	$827.36
	SmartFit Variable (P & I) - Investment	$1,158.30	$827.36
	Home Loan Plus Variable (Freedom Package) (P & I) - Investment	$1,247.40	$891.00
	Basic Home Loan Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	SmartSaver Fixed (P & I) - Owner Occupied(Fixed 1 yrs)	$1,158.30	$827.36
	SmartFix Fixed (P & I) - Owner Occupied(Fixed 4 yrs)	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Investment	$1,158.30	$827.36
	Bold Variable (P & I) - Owner Occupied	$1,158.30	$827.36
	Beyond Boss Prime (With Offset) (P & I) - Owner Occupied	$891.00	$636.43
	SmartFix Fixed (P & I) - Investment (Fixed 2 yrs)	$1,158.30	$827.36
	SmartFix Fixed (P & I) - Investment (Fixed 3 yrs)	$1,158.30	$827.36
	Aspire Expat & Visa Holder (Standard Prime) (Construction) (P & I) - Owner Occupied	$1,158.30	$827.36
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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