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Home Loans Comparison Table

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Owner-Occupier
Investment

Loan Type	Variable Rate Home Loans	Fixed Rate Home Loans
Description	This loan would suit an owner-occupier who is looking for a loan with a variable rate subject to market fluctuations throughout the loan term. Borrow up to 95% of the purchase price $20,000 minimum new loan borrowing amount Up to 30-year loan period Flexible repayment options Lump sum repayments available Redraw available Offset available	This loan would suit an owner-occupier who would like to lock in an fixed interest rate for 12 months. This loan then moves to the Standard Variable Rate which is subject to market fluctuations throughout the loan term. Borrow up to 95% of the purchase price Fixed rate for 1 year $20,000 minimum new loan borrowing amount Up to 30-year loan period Flexible repayment options Lump sum repayments available Redraw available Offset available
Minimum Deposit Required	5%	5%
Interest rates
Interest rates	Essential Low Rate Variable: variable rate comparison rate 1 Year Introductory Variable Rate: 6.00% pa¹ variable rate 7.31% pa² comparison rate 2 Year Introductory Variable Rate: 5.94% pa¹ variable rate 7.16% pa² comparison rate 3 Year Introductory Variable Rate: variable rate comparison rate Base Variable Rate: 6.39% pa³ variable rate 6.45% pa² comparison rate Standard Variable Rate: 7.39% pa⁴ variable rate 7.46% pa² comparison rate	Essential 1 Year Fixed Rate: fixed rate comparison rate Essential 2 Year Fixed Rate: fixed rate comparison rate Essential 3 Year Fixed Rate: fixed rate comparison rate 1 Year Fixed Rate: 6.24% pa⁵ fixed rate 7.33% pa² comparison rate 2 Year Fixed Rate: 6.89% pa⁵ fixed rate 7.35% pa² comparison rate 3 Year Fixed Rate: 7.14% pa⁵ fixed rate 7.38% pa² comparison rate
Loan amounts and repayment terms
Minimum loan amount	$20,000	$20,000
Minimum term	1	1
Maximum term	30	30
Repayments
Early repayments without penalty	Yes	No. Break cost may apply
Fees
Monthly Account Keeping/service fees	$0	$0
Annual Fee	$0	$0

Loan Type	Variable Rate Home Loans	Fixed Rate Home Loans
Description	This loan would suit an investor who is looking for a loan with a variable rate subject to market fluctuations throughout the loan term. Borrow up to 95% of the purchase price $20,000 minimum new loan borrowing amount Up to 30-year loan period Flexible repayment options Lump sum repayments available Redraw available Offset available	This loan would suit an investor who would like to lock in an fixed interest rate for 12 months. This loan then moves to the Standard Variable Rate which is subject to market fluctuations throughout the loan term. Borrow up to 95% of the purchase price Fixed rate for 1 year $20,000 minimum new loan borrowing amount Up to 30-year loan period Flexible repayment options Lump sum repayments available Redraw available Offset available
Minimum Deposit Required	5%	5%
Interest rates
Interest rates	Essential Low Rate Variable: variable rate comparison rate 1 Year Introductory Variable Rate: 6.00% pa¹ variable rate 7.31% pa² comparison rate 2 Year Introductory Variable Rate: 5.94% pa¹ variable rate 7.16% pa² comparison rate 3 Year Introductory Variable Rate: variable rate comparison rate Base Variable Rate: 6.39% pa³ variable rate 6.45% pa² comparison rate Standard Variable Rate: 7.39% pa⁴ variable rate 7.46% pa² comparison rate	Essential 1 Year Fixed Rate: fixed rate comparison rate Essential 2 Year Fixed Rate: fixed rate comparison rate Essential 3 Year Fixed Rate: fixed rate comparison rate 1 Year Fixed Rate: 6.24% pa⁵ fixed rate 7.33% pa² comparison rate 2 Year Fixed Rate: 6.89% pa⁵ fixed rate 7.35% pa² comparison rate 3 Year Fixed Rate: 7.14% pa⁵ fixed rate 7.38% pa² comparison rate
Loan amounts and repayment terms
Minimum loan amount	$20,000	$20,000
Minimum term	1	1
Maximum term	30	30
Repayments
Early repayments without penalty	Yes	No. Break cost may apply
Fees
Monthly Account Keeping/service fees	$0	$0
Annual Fee	$0	$0

¹ Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value. At the end of the introductory period the interest rate reverts to our Standard Variable interest rate.

² Comparison rate based on a secured loan of $150,000 over 25 years. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

³ Lending criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $150,000 and up to 95% of property value.

⁴ Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $20,000 and up to 95% of property value.

⁵ Credit eligibility criteria, terms & conditions, fees & charges apply. For new loans with a minimum borrowing balance of $20,000 and up to 95% of property value. At the end of the fixed term, interest rate reverts to our Standard Variable interest rate.

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