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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
	Standard Fixed (Interest Only) - Owner Occupied(Fixed 5 yrs)	3.87	3.44	2.79	60	2.79	-	-	1,641.45	$29,013	$1,247
	Back to Basics Variable Special Offer (P & I) - Investment	2.79	2.79	-	0	-	-	-	1,641.45	$29,013	$1,069
	Back to Basics Variable Special Offer (Construction) (P & I) - Investment	2.79	2.79	-	0	-	-	-	1,641.45	$29,013	$1,069
	Standard Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	3.87	3.44	2.79	60	2.79	-	-	1,641.45	$29,013	$1,247
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 1 yrs)	2.69	3.06	2.39	12	2.19	2.19	-	1,557.70	$29,022	$980
	NAB Choice Package Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	3.67	3.77	1.99	24	2.09	2.09	2.79	1,476.48	$29,049	$1,158
	Classic Fixed Saver Home Loan (Construction) (P & I) - Owner Occupied(Fixed 1 yrs)	2.36	2.88	2.83	12	-	-	-	1,649.96	$29,051	$1,069
	Your Way Plus Home Loan Fixed (Interest Only) - Investment(Fixed 3 yrs)	2.99	3.22	2.54	36	2.59	2.54	3.09	1,588.81	$29,052	$1,069
	MAV Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	3.85	3.87	2.34	36	2.09	2.34	3.14	1,547.41	$29,077	$1,158
	Optimal Platinum Variable Special (P & I) - Owner Occupied	2.54	3.01	-	0	-	-	-	1,588.81	$29,080	$1,158
	Optimal Basic Variable Special (P & I) - Owner Occupied	2.54	3.01	-	0	-	-	-	1,588.81	$29,080	$1,158
	Basic Variable Loan Special (P&I) - Investment	2.74	2.78	-	0	-	-	-	1,630.85	$29,081	$1,158
	Basic Variable Loan Special (P&I) - Investment	2.74	2.78	-	0	-	-	-	1,630.85	$29,081	$1,158
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 5 yrs)	2.69	3.05	2.59	60	2.19	2.19	-	1,599.26	$29,090	$980
	ZIP Home Loan (P & I) - Owner Occupied	2.73	2.77	-	0	-	-	-	1,628.73	$29,095	$1,069
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	2.49	2.64	2.69	60	2.19	2.19	2.69	1,620.28	$29,100	$891
	Your Way Home Loan Fixed (Interest Only) - Owner Occupied(Fixed 3 yrs)	4.29	3.86	2.39	36	2.44	2.39	2.94	1,557.70	$29,124	$1,069
	Aspire Metro Fixed (Up to $1M) (P & I) - Owner Occupied(Fixed 1 yrs)	2.45	2.80	2.95	12	2.95	3.05	3.25	1,675.65	$29,130	$1,158
	Standard Fixed (P & I) - Investment(Fixed 3 yrs)	3.87	3.54	2.59	36	2.59	2.99	-	1,599.26	$29,152	$1,247
	Standard Fixed (Interest Only) - Investment (Fixed 3 yrs)	3.87	3.54	2.59	36	2.59	2.99	-	1,599.26	$29,152	$1,247
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Investment(Fixed 3 yrs)	2.99	3.26	2.54	36	2.44	2.54	-	1,588.81	$29,152	$1,158
	Offset Home Loan Package 1 Year Fixed (P & I) - Investment(Fixed 1 yrs)	2.39	2.75	3.14	12	-	-	-	1,716.77	$29,192	$1,158
	Offset Variable 80Broker Special (P&I) - Owner Occupied	2.74	2.78	-	0	-	-	-	1,630.85	$29,201	$1,069
	Basic Flyer Home Loan 1 Year Fixed (Interest Only) - Investment (Fixed 1 yrs)	2.74	2.77	2.84	12	-	-	-	1,652.10	$29,221	$1,158
	Complete Fixed Home Loan (P & I) - Investment(Fixed 3 yrs)	3.92	3.92	2.34	36	2.69	2.34	2.68	1,547.41	$29,251	$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
	Standard Fixed (Interest Only) - Owner Occupied(Fixed 5 yrs)		0.00
	Back to Basics Variable Special Offer (P & I) - Investment		20.00
	Back to Basics Variable Special Offer (Construction) (P & I) - Investment		20.00
	Standard Fixed (P & I) - Owner Occupied(Fixed 5 yrs)		0.00
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 1 yrs)		0.00
	NAB Choice Package Fixed (P & I) - Owner Occupied(Fixed 2 yrs)		0.00
	Classic Fixed Saver Home Loan (Construction) (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	Your Way Plus Home Loan Fixed (Interest Only) - Investment(Fixed 3 yrs)		0.00
	MAV Fixed (P & I) - Owner Occupied(Fixed 3 yrs)		0.00
	Optimal Platinum Variable Special (P & I) - Owner Occupied		0.00
	Optimal Basic Variable Special (P & I) - Owner Occupied		0.00
	Basic Variable Loan Special (P&I) - Investment		0.00
	Basic Variable Loan Special (P&I) - Investment		0.00
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 5 yrs)		0.00
	ZIP Home Loan (P & I) - Owner Occupied		0.00
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 5 yrs)		0.00
	Your Way Home Loan Fixed (Interest Only) - Owner Occupied(Fixed 3 yrs)		0.00
	Aspire Metro Fixed (Up to $1M) (P & I) - Owner Occupied(Fixed 1 yrs)		0.00
	Standard Fixed (P & I) - Investment(Fixed 3 yrs)		0.00
	Standard Fixed (Interest Only) - Investment (Fixed 3 yrs)		0.00
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Investment(Fixed 3 yrs)		0.00
	Offset Home Loan Package 1 Year Fixed (P & I) - Investment(Fixed 1 yrs)		0.00
	Offset Variable 80Broker Special (P&I) - Owner Occupied		0.00
	Basic Flyer Home Loan 1 Year Fixed (Interest Only) - Investment (Fixed 1 yrs)		0.00
	Complete Fixed Home Loan (P & I) - Investment(Fixed 3 yrs)		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Standard Fixed (Interest Only) - Owner Occupied(Fixed 5 yrs)	0.00	0.00	0.00	395.00
	Back to Basics Variable Special Offer (P & I) - Investment	0.00	0.00	0.00	350.00
	Back to Basics Variable Special Offer (Construction) (P & I) - Investment	0.00	0.00	0.00	350.00
	Standard Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	0.00	0.00	0.00	395.00
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 1 yrs)	450.00	350.00	0.00	300.00
	NAB Choice Package Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	0.00	395.00	0.00	350.00
	Classic Fixed Saver Home Loan (Construction) (P & I) - Owner Occupied(Fixed 1 yrs)	856.35	395.00	0.00	795.00
	Your Way Plus Home Loan Fixed (Interest Only) - Investment(Fixed 3 yrs)	400.00	300.00	0.00	0.00
	MAV Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	200.00	395.00	0.00	350.00
	Optimal Platinum Variable Special (P & I) - Owner Occupied	745.00	395.00	0.00	595.00
	Optimal Basic Variable Special (P & I) - Owner Occupied	745.00	395.00	0.00	595.00
	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
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 5 yrs)	450.00	350.00	0.00	300.00
	ZIP Home Loan (P & I) - Owner Occupied	720.00	0.00	0.00	550.00
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	1,150.00	0.00	0.00	0.00
	Your Way Home Loan Fixed (Interest Only) - Owner Occupied(Fixed 3 yrs)	1,000.00	0.00	0.00	0.00
	Aspire Metro Fixed (Up to $1M) (P & I) - Owner Occupied(Fixed 1 yrs)	595.00	250.00	0.00	695.00
	Standard Fixed (P & I) - Investment(Fixed 3 yrs)	0.00	0.00	0.00	395.00
	Standard Fixed (Interest Only) - Investment (Fixed 3 yrs)	0.00	0.00	0.00	395.00
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Investment(Fixed 3 yrs)	250.00	350.00	0.00	350.00
	Offset Home Loan Package 1 Year Fixed (P & I) - Investment(Fixed 1 yrs)	363.00	248.00	0.00	400.00
	Offset Variable 80Broker Special (P&I) - Owner Occupied	720.00	0.00	0.00	550.00
	Basic Flyer Home Loan 1 Year Fixed (Interest Only) - Investment (Fixed 1 yrs)	363.00	0.00	0.00	400.00
	Complete Fixed Home Loan (P & I) - Investment(Fixed 3 yrs)	250.00	395.00	0.00	338.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Standard Fixed (Interest Only) - Owner Occupied(Fixed 5 yrs)	20000	30	80
	Back to Basics Variable Special Offer (P & I) - Investment	150000	30	80
	Back to Basics Variable Special Offer (Construction) (P & I) - Investment	150000	30	80
	Standard Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	20000	30	95
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 1 yrs)	150000	30	90
	NAB Choice Package Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	150000	30	95
	Classic Fixed Saver Home Loan (Construction) (P & I) - Owner Occupied(Fixed 1 yrs)	50000	30	60
	Your Way Plus Home Loan Fixed (Interest Only) - Investment(Fixed 3 yrs)	150000	30	60
	MAV Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	150000	30	95
	Optimal Platinum Variable Special (P & I) - Owner Occupied	50000	30	95
	Optimal Basic Variable Special (P & I) - Owner Occupied	250000	30
	Basic Variable Loan Special (P&I) - Investment	30000	30	90
	Basic Variable Loan Special (P&I) - Investment	30000	30	90
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 5 yrs)	150000	30	90
	ZIP Home Loan (P & I) - Owner Occupied	250000	30
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	100000	30	90
	Your Way Home Loan Fixed (Interest Only) - Owner Occupied(Fixed 3 yrs)	25000	30
	Aspire Metro Fixed (Up to $1M) (P & I) - Owner Occupied(Fixed 1 yrs)	50000	30	70
	Standard Fixed (P & I) - Investment(Fixed 3 yrs)	20000	30	80
	Standard Fixed (Interest Only) - Investment (Fixed 3 yrs)	20000	30	80
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Investment(Fixed 3 yrs)	350000	30	85
	Offset Home Loan Package 1 Year Fixed (P & I) - Investment(Fixed 1 yrs)	150000	30	80
	Offset Variable 80Broker Special (P&I) - Owner Occupied	50000	30
	Basic Flyer Home Loan 1 Year Fixed (Interest Only) - Investment (Fixed 1 yrs)	150000	30	80
	Complete Fixed Home Loan (P & I) - Investment(Fixed 3 yrs)	200000	30	90
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Standard Fixed (Interest Only) - Owner Occupied(Fixed 5 yrs)	$1,247.40	$891.00
	Back to Basics Variable Special Offer (P & I) - Investment	$1,069.20	$763.71
	Back to Basics Variable Special Offer (Construction) (P & I) - Investment	$1,069.20	$763.71
	Standard Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	$1,247.40	$891.00
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 1 yrs)	$980.10	$700.07
	NAB Choice Package Fixed (P & I) - Owner Occupied(Fixed 2 yrs)	$1,158.30	$827.36
	Classic Fixed Saver Home Loan (Construction) (P & I) - Owner Occupied(Fixed 1 yrs)	$1,069.20	$763.71
	Your Way Plus Home Loan Fixed (Interest Only) - Investment(Fixed 3 yrs)	$1,069.20	$763.71
	MAV Fixed (P & I) - Owner Occupied(Fixed 3 yrs)	$1,158.30	$827.36
	Optimal Platinum Variable Special (P & I) - Owner Occupied	$1,158.30	$827.36
	Optimal Basic Variable Special (P & I) - Owner Occupied	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Investment	$1,158.30	$827.36
	Basic Variable Loan Special (P&I) - Investment	$1,158.30	$827.36
	Home Advantage Fixed (P & I) - Owner Occupied (Fixed 5 yrs)	$980.10	$700.07
	ZIP Home Loan (P & I) - Owner Occupied	$1,069.20	$763.71
	Southern Cross Fixed (P & I) - Owner Occupied(Fixed 5 yrs)	$891.00	$636.43
	Your Way Home Loan Fixed (Interest Only) - Owner Occupied(Fixed 3 yrs)	$1,069.20	$763.71
	Aspire Metro Fixed (Up to $1M) (P & I) - Owner Occupied(Fixed 1 yrs)	$1,158.30	$827.36
	Standard Fixed (P & I) - Investment(Fixed 3 yrs)	$1,247.40	$891.00
	Standard Fixed (Interest Only) - Investment (Fixed 3 yrs)	$1,247.40	$891.00
	Mortgage Plus Fixed (No LMI) (80.01% to 85%) (P & I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
	Offset Home Loan Package 1 Year Fixed (P & I) - Investment(Fixed 1 yrs)	$1,158.30	$827.36
	Offset Variable 80Broker Special (P&I) - Owner Occupied	$1,069.20	$763.71
	Basic Flyer Home Loan 1 Year Fixed (Interest Only) - Investment (Fixed 1 yrs)	$1,158.30	$827.36
	Complete Fixed Home Loan (P & I) - Investment(Fixed 3 yrs)	$1,158.30	$827.36
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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