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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
	Basic Flyer Home Loan 3 Year Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	2.34	2.44	2.64	36	-	-	-	1,609.75	$27,255	$1,158
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 3 yrs)	2.99	3.17	2.34	36	2.39	2.34	2.89	1,547.41	$27,286	$1,069
	Classic Saver Home Loan (Construction) (P & I) - Owner Occupied	2.36	2.84	-	0	-	-	-	1,551.52	$27,288	$1,069
	Basic Home Loan Variable (P & I) - Owner Occupied	2.58	2.61	-	0	-	-	-	1,597.17	$27,294	$1,069
	Offset Home Loan Package 2 Year Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	2.29	2.63	2.59	24	-	-	-	1,599.26	$27,327	$1,158
	Green Home Loan (P&I) - Owner Occupied	2.44	2.80	-	0	-	-	-	1,568.03	$27,347	$1,069
	Offset Flyer Home Loan Package Variable Construction (P & I) - Owner Occupied	2.34	2.72	-	0	-	-	-	1,547.41	$27,349	$1,158
	Your Way Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	4.29	3.81	2.19	36	2.24	2.19	2.74	1,516.77	$27,354	$1,069
	Classic Saver Home Loan (Interest Only) - Owner Occupied	2.37	2.85	-	0	-	-	-	1,553.58	$27,394	$1,069
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 2 yrs)	2.99	3.26	2.14	24	2.24	2.69	7.69	1,506.64	$27,405	$1,025
	& Basic Home Loan Variable (P & I) - Owner Occupied	2.64	2.64	-	0	-	-	-	1,609.75	$27,420	$1,247
	Southern Cross Variable (Construction) (Interest Only) - Owner Occupied	2.49	2.59	-	0	-	-	-	1,578.40	$27,431	$891
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 4 yrs)	2.99	3.15	2.44	48	2.39	2.34	2.89	1,568.03	$27,454	$1,069
	Advantage Package Fixed Loan (P&I) - Owner Occupied(Fixed 2 yrs)	3.24	3.44	1.99	24	1.99	2.08	2.59	1,476.48	$27,473	$1,158
	FHLDS (applicants only) Basic Home Loan (P&I) - Owner Occupied	2.59	2.63	-	0	-	-	-	1,599.26	$27,493	$1,247
	Classic Fixed Saver Home Loan (P & I) - Investment (Fixed 2 yrs)	2.28	2.79	2.44	24	2.44	-	-	1,568.03	$27,513	$1,069
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	4.44	3.94	2.44	48	2.14	2.23	2.74	1,568.03	$27,521	$1,158
	Complete Fixed Home Loan (P & I) - Owner Occupied (Fixed 3 yrs)	2.99	3.25	2.33	36	-	-	-	1,545.36	$27,523	$1,158
	Standard Fixed Loan (P&I) - Owner Occupied (Fixed 4 yrs)	4.46	3.95	2.44	48	2.14	2.23	2.74	1,568.03	$27,530	$1,158
	Basic Package Fixed (P & I) - Investment(Fixed 3 yrs)	2.74	2.72	2.60	36	2.50	2.60	-	1,601.36	$27,537	$1,158
	Basic Variable (P & I) - Investment	2.59	2.63	-	0	-	-	-	1,599.26	$27,539	$1,158
	Fixed Rate Loan (Interest Only) - Investment(Fixed 3 yrs)	3.04	2.93	2.54	36	2.54	2.54	2.94	1,588.81	$27,540	$1,114
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Owner Occupied(Fixed 1 yrs)	2.64	2.98	2.14	12	2.14	2.24	-	1,506.64	$27,542	$1,158
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	4.55	4.01	2.44	48	2.14	2.23	2.74	1,568.03	$27,572	$1,158
	Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 3 yrs)	4.39	3.87	2.24	36	2.24	2.69	7.69	1,526.95	$27,573	$1,025
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
	Basic Flyer Home Loan 3 Year Fixed (P & I) - Owner Occupied(Fixed 3 yrs)		0.00
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 3 yrs)		0.00
	Classic Saver Home Loan (Construction) (P & I) - Owner Occupied		0.00
	Basic Home Loan Variable (P & I) - Owner Occupied		0.00
	Offset Home Loan Package 2 Year Fixed (P & I) - Owner Occupied(Fixed 2 yrs)		0.00
	Green Home Loan (P&I) - Owner Occupied		0.00
	Offset Flyer Home Loan Package Variable Construction (P & I) - Owner Occupied		0.00
	Your Way Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)		0.00
	Classic Saver Home Loan (Interest Only) - Owner Occupied		0.00
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 2 yrs)		0.00
	& Basic Home Loan Variable (P & I) - Owner Occupied		0.00
	Southern Cross Variable (Construction) (Interest Only) - Owner Occupied		0.00
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 4 yrs)		0.00
	Advantage Package Fixed Loan (P&I) - Owner Occupied(Fixed 2 yrs)		0.00
	FHLDS (applicants only) Basic Home Loan (P&I) - Owner Occupied		0.00
	Classic Fixed Saver Home Loan (P & I) - Investment (Fixed 2 yrs)		0.00
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)		0.00
	Complete Fixed Home Loan (P & I) - Owner Occupied (Fixed 3 yrs)		0.00
	Standard Fixed Loan (P&I) - Owner Occupied (Fixed 4 yrs)		0.00
	Basic Package Fixed (P & I) - Investment(Fixed 3 yrs)		0.00
	Basic Variable (P & I) - Investment		0.00
	Fixed Rate Loan (Interest Only) - Investment(Fixed 3 yrs)		0.00
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)		0.00
	Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 3 yrs)		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Basic Flyer Home Loan 3 Year Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	363.00	0.00	0.00	400.00
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 3 yrs)	400.00	300.00	0.00	0.00
	Classic Saver Home Loan (Construction) (P & I) - Owner Occupied	856.35	395.00	0.00	795.00
	Basic Home Loan Variable (P & I) - Owner Occupied	510.00	0.00	0.00	350.00
	Offset Home Loan Package 2 Year Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	363.00	248.00	0.00	400.00
	Green Home Loan (P&I) - Owner Occupied	550.00	299.00	0.00	300.00
	Offset Flyer Home Loan Package Variable Construction (P & I) - Owner Occupied	1,863.00	248.00	0.00	400.00
	Your Way Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	1,000.00	0.00	0.00	0.00
	Classic Saver Home Loan (Interest Only) - Owner Occupied	856.35	395.00	0.00	795.00
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 2 yrs)	0.00	395.00	0.00	160.00
	& Basic Home Loan Variable (P & I) - Owner Occupied	0.00	0.00	0.00	395.00
	Southern Cross Variable (Construction) (Interest Only) - Owner Occupied	1,600.00	0.00	0.00	0.00
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 4 yrs)	400.00	300.00	0.00	0.00
	Advantage Package Fixed Loan (P&I) - Owner Occupied(Fixed 2 yrs)	100.00	395.00	0.00	350.00
	FHLDS (applicants only) Basic Home Loan (P&I) - Owner Occupied	603.00	0.00	0.00	350.00
	Classic Fixed Saver Home Loan (P & I) - Investment (Fixed 2 yrs)	856.35	395.00	0.00	795.00
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	700.00	0.00	10.00	350.00
	Complete Fixed Home Loan (P & I) - Owner Occupied (Fixed 3 yrs)	250.00	395.00	0.00	338.00
	Standard Fixed Loan (P&I) - Owner Occupied (Fixed 4 yrs)	700.00	0.00	10.00	350.00
	Basic Package Fixed (P & I) - Investment(Fixed 3 yrs)	295.00	0.00	0.00	350.00
	Basic Variable (P & I) - Investment	649.00	0.00	0.00	350.00
	Fixed Rate Loan (Interest Only) - Investment(Fixed 3 yrs)	299.00	0.00	0.00	250.00
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Owner Occupied(Fixed 1 yrs)	250.00	350.00	0.00	350.00
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	700.00	0.00	10.00	350.00
	Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 3 yrs)	600.00	0.00	0.00	160.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Basic Flyer Home Loan 3 Year Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	150000	30	70
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 3 yrs)	150000	30	80
	Classic Saver Home Loan (Construction) (P & I) - Owner Occupied	50000	30	70
	Basic Home Loan Variable (P & I) - Owner Occupied	40000	30	80
	Offset Home Loan Package 2 Year Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	150000	30	70
	Green Home Loan (P&I) - Owner Occupied	250000	30	80
	Offset Flyer Home Loan Package Variable Construction (P & I) - Owner Occupied	150000	30	60
	Your Way Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	25000	30
	Classic Saver Home Loan (Interest Only) - Owner Occupied	50000	30	60
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 2 yrs)	150000	30	80
	& Basic Home Loan Variable (P & I) - Owner Occupied	150000	30
	Southern Cross Variable (Construction) (Interest Only) - Owner Occupied	100000	30	90
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 4 yrs)	150000	30	80
	Advantage Package Fixed Loan (P&I) - Owner Occupied(Fixed 2 yrs)	150000	30	95
	FHLDS (applicants only) Basic Home Loan (P&I) - Owner Occupied	100000	30	95
	Classic Fixed Saver Home Loan (P & I) - Investment (Fixed 2 yrs)	50000	30	60
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	10000	30	80
	Complete Fixed Home Loan (P & I) - Owner Occupied (Fixed 3 yrs)	200000	30	80
	Standard Fixed Loan (P&I) - Owner Occupied (Fixed 4 yrs)	10000	30	60
	Basic Package Fixed (P & I) - Investment(Fixed 3 yrs)	40000	30	90
	Basic Variable (P & I) - Investment	350000	30	80
	Fixed Rate Loan (Interest Only) - Investment(Fixed 3 yrs)	50000	30	80
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Owner Occupied(Fixed 1 yrs)	350000	30	85
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	10000	30	95
	Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 3 yrs)	20000	30	80
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Basic Flyer Home Loan 3 Year Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	$1,158.30	$827.36
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 3 yrs)	$1,069.20	$763.71
	Classic Saver Home Loan (Construction) (P & I) - Owner Occupied	$1,069.20	$763.71
	Basic Home Loan Variable (P & I) - Owner Occupied	$1,069.20	$763.71
	Offset Home Loan Package 2 Year Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	$1,158.30	$827.36
	Green Home Loan (P&I) - Owner Occupied	$1,069.20	$763.71
	Offset Flyer Home Loan Package Variable Construction (P & I) - Owner Occupied	$1,158.30	$827.36
	Your Way Home Loan Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	$1,069.20	$763.71
	Classic Saver Home Loan (Interest Only) - Owner Occupied	$1,069.20	$763.71
	Breakfree Fixed (Standard Discount) (P & I) - Owner Occupied(Fixed 2 yrs)	$1,024.65	$731.89
	& Basic Home Loan Variable (P & I) - Owner Occupied	$1,247.40	$891.00
	Southern Cross Variable (Construction) (Interest Only) - Owner Occupied	$891.00	$636.43
	Your Way Plus Home Loan Fixed (P & I) - Investment(Fixed 4 yrs)	$1,069.20	$763.71
	Advantage Package Fixed Loan (P&I) - Owner Occupied(Fixed 2 yrs)	$1,158.30	$827.36
	FHLDS (applicants only) Basic Home Loan (P&I) - Owner Occupied	$1,247.40	$891.00
	Classic Fixed Saver Home Loan (P & I) - Investment (Fixed 2 yrs)	$1,069.20	$763.71
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	$1,158.30	$827.36
	Complete Fixed Home Loan (P & I) - Owner Occupied (Fixed 3 yrs)	$1,158.30	$827.36
	Standard Fixed Loan (P&I) - Owner Occupied (Fixed 4 yrs)	$1,158.30	$827.36
	Basic Package Fixed (P & I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
	Basic Variable (P & I) - Investment	$1,158.30	$827.36
	Fixed Rate Loan (Interest Only) - Investment(Fixed 3 yrs)	$1,113.75	$795.54
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Owner Occupied(Fixed 1 yrs)	$1,158.30	$827.36
	Standard Fixed Loan (P&I) - Owner Occupied(Fixed 4 yrs)	$1,158.30	$827.36
	Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 3 yrs)	$1,024.65	$731.89
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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