|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
| First Permanent |
No Deposit Establishment Loan
|
9.75
|
10.16
|
$800
|
$
|
$
|
$
|
$
|
106
|
|
Gateway Credit Union |
Property Investment Home Loan
|
7.99
|
8.06
|
$0
|
$230
|
$390
|
$0
|
$0
|
95
|
|
Gateway Credit Union |
Standard Variable Home Loan
|
7.99
|
8.06
|
$0
|
$230
|
$390
|
$0
|
$0
|
95
|
|
| GE Money |
Flexible Options Standard
|
8.97
|
9.20
|
$0
|
$0
|
$0
|
$0
|
$295/yr
|
95
|
|
Homeloans Ltd |
Balanced Loan Special Variable
|
8.06
|
8.14
|
$599
|
$0
|
$230
|
$65
|
$0
|
90
|
|
Homeloans Ltd |
Homeloans Premium Full Doc
|
7.19
|
7.25
|
$564
|
$0
|
$300
|
$0
|
$0
|
95
|
|
Homeloans Ltd |
Homeloans Premium Full Doc (Pro Pack)
|
7.09
|
7.45
|
$564
|
$0
|
$300
|
$137.5
|
$330/yr
|
95
|
|
Homeloans Ltd |
Homeloans Premium Saver
|
6.99
|
7.34
|
$564
|
$0
|
$300
|
$137.5
|
$330/yr
|
95
|
|
Homeloans Ltd |
Smart Saver
|
7.39
|
7.46
|
$564
|
$0
|
$350
|
$75
|
$0
|
95
|
|
HomeSide Lending |
Homeside HomePlus
|
7.67
|
7.82
|
$600
|
$0
|
$0
|
$0
|
$10/mth
|
95
|
|
HomeSide Lending |
Homeside HomePlus Interest Only Loan (Variable)
|
7.67
|
7.81
|
$600
|
$0
|
$0
|
$0
|
$10/mth
|
95
|
|
HomeSide Lending |
Homeside Offset Home Loan
|
7.33
|
7.46
|
$600
|
$0
|
$0
|
$0
|
$8/mth
|
95
|
|
HomeSide Lending |
Homeside Reducible Mortgage - Standard Variable
|
7.97
|
8.08
|
$600
|
$0
|
$0
|
$0
|
$6/mth
|
95
|
|
HSBC |
Home Rewards Loan
|
7.74
|
7.17
|
$500
|
$0
|
$0
|
$150
|
$0
|
97
|
|
HSBC |
PowerVantage Home Smart - NSW/ACT
|
7.24
|
7.28
|
$250
|
$0
|
$0
|
$150
|
$20/mth
|
97
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
HSBC |
PowerVantage Variable - NSW
|
7.24
|
7.28
|
$250
|
$0
|
$0
|
$150
|
$20/mth
|
97
|
|
HSBC |
Variable Home Smart
|
7.74
|
7.81
|
$500
|
$0
|
$0
|
$150
|
$0
|
97
|
|
HSBC |
Variable Loan
|
7.74
|
7.81
|
$500
|
$0
|
$0
|
$150
|
$0
|
97
|
|
| Illawarra Credit Union |
Reward Rate Home Loan
|
7.70
|
7.77
|
$600
|
$0
|
$357.5
|
$0
|
$0
|
95
|
|
| Illawarra Credit Union |
Standard Variable Loan
|
8.25
|
8.33
|
$600
|
$0
|
$357.5
|
$0
|
$0
|
95
|
|
IMB |
IMB Professional Mortgage Home Loan $200,000 to $299,999
|
7.20
|
7.22
|
$0
|
$0
|
$313.5
|
$0
|
$0
|
100
|
|
IMB |
IMB Professional Mortgage Home Loan > $300,000
|
7.15
|
7.17
|
$0
|
$0
|
$313.5
|
$0
|
$0
|
100
|
|
IMB |
IMB Standard Variable Home Loan
|
7.70
|
7.76
|
$295
|
$0
|
$313.5
|
$150
|
$0
|
100
|
|
ING Direct |
Construction Loan
|
7.90
|
7.27
|
$0
|
$0
|
$220
|
$0
|
$0
|
90
|
|
ING Direct |
Mortgage Simplifier
|
7.19
|
7.19
|
$0
|
$0
|
$220
|
$0
|
$0
|
95
|
|
ING Direct |
SmartPack Mortgage Simplifier
|
7.13
|
7.17
|
$499
|
$0
|
$220
|
$0
|
$0
|
95
|
|
Intech Credit Union Limited |
Classic Home Loan
|
7.66
|
7.74
|
$275
|
$235
|
$365
|
$0
|
$0
|
95
|
|
| Liberty Financial |
Star
|
11.00
|
11.11
|
$0
|
$275
|
$690
|
$0
|
$0
|
100
|
|
| LoanAustralia |
100% Finance
|
9.02
|
9.08
|
$350
|
$0
|
$330
|
$75
|
$0
|
100
|
|
| LoanAustralia |
Basic
|
8.50
|
8.60
|
$350
|
$0
|
$330
|
$500
|
$0
|
95
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
| LoanAustralia |
Construction
|
7.63
|
7.69
|
$350
|
$0
|
$330
|
$75
|
$0
|
90
|
|
| LoanAustralia |
Flexi-Plus Loan
|
7.63
|
7.69
|
$350
|
$0
|
$330
|
$75
|
$0
|
90
|
|
| LoanAustralia |
Optimiser
|
7.62
|
7.68
|
$350
|
$0
|
$330
|
$75
|
$0
|
90
|
|
| LoanAustralia |
Optimiser Plus
|
8.50
|
8.53
|
$350
|
$0
|
$330
|
$0
|
$0
|
95
|
|
Members Equity Bank |
SMHL Offset
|
7.54
|
7.54
|
$0
|
$0
|
$0
|
$0
|
$0
|
95
|
|
Members Equity Bank |
SMHL Standard
|
7.24
|
7.24
|
$0
|
$0
|
$0
|
$0
|
$0
|
95
|
|
Morgan Brooks DIRECT |
Premier Home Loan
|
8.80
|
8.58
|
$0
|
$265
|
$435
|
$0
|
$0
|
95
|
|
Morgan Brooks DIRECT |
Premier Pro Pack
|
8.65
|
8.77
|
$0
|
$265
|
$435
|
$350
|
$395/yr
|
8.4
|
|
Morgan Brooks DIRECT |
Premium
|
7.23
|
7.23
|
$0
|
$265
|
$435
|
$0
|
$0
|
95
|
|
Morgan Brooks DIRECT |
Premium Investor
|
7.07
|
7.07
|
$275
|
$265
|
$435
|
$0
|
$330/yr
|
95
|
|
| Mortgage House |
Engage
|
8.84
|
8.89
|
$300
|
$0
|
$0
|
$250
|
$0
|
90
|
|
| Mortgage House |
Freedom Home Loan
|
6.86
|
6.81
|
$300
|
$0
|
$0
|
$200
|
$0
|
90
|
|
| Mortgage House |
Professional Pac
|
6.79
|
7.02
|
$300
|
$0
|
$0
|
$200
|
$250/yr
|
90
|
|
MyLoan MyWay |
Advantage Rate Home Loan
|
7.09
|
7.12
|
$0
|
$0
|
$0
|
$0
|
$0
|
95
|
|
MyRate |
MyRate - 100% Variable Rate Loan
|
8.78
|
8.78
|
$0
|
$0
|
$0
|
$0
|
$0
|
100
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
MyRate |
MyRate - Advantage Rate Loan
|
7.03
|
7.03
|
$0
|
$0
|
$0
|
$0
|
$0
|
95
|
|
MyRate |
MyRate Advantage Rate Loan (>$600K)
|
6.99
|
6.99
|
$0
|
$0
|
$0
|
$0
|
$0
|
95
|
|
MyRate |
MyRate Construction Loan
|
7.13
|
7.13
|
$0
|
$0
|
$0
|
$0
|
$0
|
90
|
|
| NAB |
NAB Tailored Home Loan - Variable Rate with 100% offset
|
7.74
|
7.88
|
$600
|
$0
|
$0
|
$0
|
$10/mth
|
100
|
|
Nationwide Mortgage |
First Choice Home Loan
|
7.25
|
7.31
|
$0
|
$220
|
$490
|
$0
|
$0
|
95
|
|
Nationwide Mortgage |
First Choice Pro-Pack
|
7.15
|
7.58
|
$0
|
$220
|
$490
|
$250
|
$300/yr
|
90
|
|
Nationwide Mortgage |
Low Deposit Home Loan
|
7.25
|
7.31
|
$0
|
$220
|
$490
|
$0
|
$0
|
100
|
|
Nationwide Mortgage |
True Saver Home Loan
|
7.00
|
7.06
|
$0
|
$220
|
$490
|
$0
|
$0
|
90
|
|
Nationwide Mortgage |
True Saver Pro-Pack
|
6.95
|
7.29
|
$0
|
$220
|
$490
|
$250
|
$300/yr
|
90
|
|
| Newcastle Permanent Building Society |
Premium Plus Package >$500k
|
7.03
|
7.25
|
$0
|
$0
|
$0
|
$0
|
$250/yr
|
97
|
|
| Newcastle Permanent Building Society |
Premium Plus Package Home loan
|
7.08
|
7.30
|
$0
|
$0
|
$0
|
$0
|
$250/yr
|
97
|
|
| Newcastle Permanent Building Society |
Premium Variable Home Loan
|
7.78
|
7.85
|
$0
|
$0
|
$0
|
$0
|
$7/mth
|
97
|
|
| Newcastle Permanent Building Society |
Real Options Home Loan
|
7.56
|
7.56
|
$0
|
$0
|
$0
|
$0
|
$0
|
97
|
|
| NSW Teachers Credit Union |
My First Home Loan
|
7.34
|
7.35
|
$150
|
$0
|
$0
|
$0
|
$0
|
100
|
|
| NSW Teachers Credit Union |
Teachers Flexi Choice Loan
|
7.55
|
7.61
|
$150
|
$250
|
$0
|
$150
|
$0
|
95
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
| NSW Teachers Credit Union |
Teachers Interest Only Loan
|
7.55
|
7.60
|
$150
|
$250
|
$0
|
$150
|
$0
|
95
|
|
| one direct |
one direct variable loan
|
6.97
|
6.97
|
$0
|
$0
|
$0
|
$60
|
$0
|
90
|
|
| Police Department Employees Credit Union |
Premium Variable Home Loan
|
8.24
|
8.34
|
$545
|
$0
|
$0
|
$0
|
$0
|
93
|
|
QuickDirect |
Construction
|
7.14
|
7.14
|
$0
|
$0
|
$0
|
$0
|
$0
|
90
|
|
QuickDirect |
Lo-Doc
|
7.69
|
7.69
|
$0
|
$0
|
$0
|
$0
|
$0
|
80
|
|
QuickDirect |
Variable
|
7.04
|
7.04
|
$0
|
$0
|
$0
|
$0
|
$0
|
95
|
|
RAMS Home Loans |
RAMS Standard Variable
|
7.59
|
7.46
|
$395
|
$200
|
$0
|
$250
|
$0
|
100
|
|
RateBusters |
Fast Trak Fee Buster
|
8.72
|
8.74
|
$0
|
$220
|
$0
|
$0
|
$0
|
100
|
|
RateBusters |
Fast Trak Rate Buster
|
8.47
|
8.59
|
$990
|
$220
|
$275
|
$0
|
$0
|
100
|
|
RateBusters |
Fee Buster
|
9.00
|
9.02
|
$0
|
$220
|
$0
|
$0
|
$0
|
95
|
|
RateBusters |
Fee Buster Max Plus
|
9.37
|
9.39
|
$0
|
$220
|
$0
|
$0
|
$0
|
100
|
|
RateBusters |
Rate Buster
|
8.73
|
8.85
|
$990
|
$220
|
$275
|
$0
|
$0
|
95
|
|
RateBusters |
Rate Buster Max Plus
|
9.06
|
9.02
|
$990
|
$220
|
$275
|
$0
|
$0
|
100
|
|
RESI Mortgage Corporation |
Complete Home Loan
|
7.47
|
7.52
|
$0
|
$236.5
|
$396
|
$0
|
$0
|
95
|
|
| Select Credit Union |
super mortgage loan
|
7.89
|
7.93
|
$0
|
$187
|
$360
|
$0
|
$0
|
95
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
| SERVICE ONE Members Banking |
Standard Variable Loan
|
7.65
|
7.78
|
$600
|
$0
|
$0
|
$0
|
$8/mth
|
97
|
|
St. George Bank |
St. George No Deposit Home Loan Flexible Deposit Option
|
7.31
|
7.43
|
$750
|
$0
|
$0
|
$100
|
$12/mth
|
100
|
|
St. George Bank |
St. George No Deposit Home Loan Quick Start
|
8.24
|
8.35
|
$750
|
$0
|
$0
|
$100
|
$12/mth
|
100
|
|
St. George Bank |
St.George No Deposit Home Loan LEF
|
7.06
|
7.18
|
$750
|
$0
|
$0
|
$100
|
$12/mth
|
100
|
|
St. George Bank |
Variable Loan (Advantage Package $100K-$149K)
|
7.49
|
7.59
|
$0
|
$0
|
$0
|
$100
|
$0
|
95
|
|
St. George Bank |
Variable Loan
|
7.74
|
7.84
|
$600
|
$0
|
$0
|
$100
|
$10/mth
|
95
|
|
St. George Bank |
Variable Loan (Advantage Package $150K-$249K)
|
7.24
|
7.34
|
$0
|
$0
|
$0
|
$100
|
$0
|
95
|
|
St. George Bank |
Variable Loan (Advantage Package $250K plus)
|
7.04
|
7.14
|
$0
|
$0
|
$0
|
$100
|
$0
|
95
|
|
Suncorp |
Standard Variable
|
7.80
|
7.95
|
$600
|
$0
|
$0
|
$0
|
$10/mth
|
100
|
|
Sydney Credit Union |
Propack Home Loan (150,000 - 250,000)
|
7.39
|
7.45
|
$200
|
$192.5
|
$360
|
$0
|
$0
|
95
|
|
Sydney Credit Union |
Propack Home Loan (251,000 - 500,000)
|
7.14
|
|
$200
|
$192.5
|
$360
|
$0
|
$0
|
100
|
|
Sydney Credit Union |
Propack Home Loan (501, 000 plus)
|
7.04
|
|
$200
|
$192.5
|
$360
|
$0
|
$0
|
95
|
|
Sydney Credit Union |
Standard Variable Loan
|
7.74
|
7.80
|
$200
|
$192.5
|
$360
|
$0
|
$0
|
95
|
|
| Trustar Mortgage |
Construction Loan
|
8.24
|
8.26
|
$250
|
$220
|
$420
|
$0
|
$0
|
90
|
|
| Trustar Mortgage |
Pro Pack
|
8.92
|
9.06
|
$0
|
$300
|
$407.5
|
$275
|
$330/yr
|
97
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
| Trustar Mortgage |
Trustar Lite
|
8.24
|
8.26
|
$250
|
$220
|
$420
|
$0
|
$0
|
90
|
|
| Trustar Mortgage |
Trustar Premium
|
8.24
|
8.26
|
$250
|
$220
|
$420
|
$0
|
$0
|
90
|
|
| Unicom Credit Union |
Reward Rate Home Loan
|
7.70
|
7.77
|
$600
|
$0
|
$357.5
|
$0
|
$0
|
95
|
|
| Unicom Credit Union |
Standard Variable Home Loan
|
8.25
|
8.33
|
$600
|
$0
|
$357.5
|
$0
|
$0
|
95
|
|
Virgin Money |
Virgin Standard Home Loan Variable
|
7.34
|
7.24
|
$0
|
$0
|
$490
|
$0
|
$0
|
95
|
|
| Wagga Mutual Credit Union |
Standard Variable Home Loan
|
8.12
|
8.19
|
$0
|
$275
|
$360
|
$0
|
$0
|
95
|
|
| Westpac Banking Corporation |
Premier Advantage Package ($150,000-$249,999)
|
7.31
|
7.44
|
$0
|
$0
|
$0
|
$0
|
$395/yr
|
100
|
|
| Westpac Banking Corporation |
Premier Advantage Package ($250,000 plus)
|
7.01
|
7.14
|
$0
|
$0
|
$0
|
$0
|
$395/yr
|
100
|
|
| Westpac Banking Corporation |
Premium Option Home Loan
|
7.71
|
7.84
|
$600
|
$0
|
$0
|
$0
|
$8/mth
|
100
|
|
| Westpac Banking Corporation |
Rocket Repay Home Loan
|
7.71
|
7.92
|
$600
|
$0
|
$0
|
$0
|
$199/yr
|
100
|
|
Wizard Home Loans |
Smart Choice Loan
|
7.74
|
7.80
|
$100
|
$0
|
$0
|
$660
|
$0
|
100
|
|
Wizard Home Loans |
VIP Advantage ($150K - <$250K)
|
7.19
|
7.49
|
$350
|
$0
|
$0
|
$295
|
$295/yr
|
100
|
|
Wizard Home Loans |
VIP Advantage ($250K - <$500K)
|
7.09
|
|
$350
|
$0
|
$0
|
$295
|
$295/yr
|
100
|
|
Wizard Home Loans |
VIP Advantage (>$500K)
|
7.04
|
|
$350
|
$0
|
$0
|
$295
|
$295/yr
|
100
|
|
Yes Home Loans |
Construction Loans
|
7.62
|
7.65
|
$450
|
$385
|
$445
|
$0
|
$0
|
95
|
|
|
Institution |
Product Name |
Variable Rate |
Comparison Rate |
Fees |
Service Fee |
LVR |
 |
| Applic. |
Valuat. |
Legal |
Settle |
Yes Home Loans |
Credit Access
|
7.37
|
7.40
|
$450
|
$385
|
$445
|
$250
|
$0
|
95
|
|
Yes Home Loans |
Equity Access Standard
|
7.54
|
7.57
|
$450
|
$385
|
$445
|
$275
|
$0
|
90
|
|
Yes Home Loans |
Premium Access
|
9.29
|
9.34
|
$395
|
$220
|
$220
|
$0
|
$0
|
95
|
|
A M O |
AMO Standard Variable Home Loan
|
7.25
|
7.29
|
$300
|
$0
|
$440
|
$0
|
$0
|
95
|
|
Adelaide Bank |
Standard Variable
|
7.80
|
7.96
|
$595
|
$0
|
$0
|
$100
|
$10/mth
|
100
|
|
Adelaide Bank |
Variable SmartFit
|
7.69
|
7.85
|
$595
|
$0
|
$0
|
$100
|
$10/mth
|
90
|
|
AIMS Home Loans |
AIMS Discount Variable Rate Home Loan
|
7.29
|
7.34
|
$600
|
$0
|
$0
|
$0
|
$0
|
95
|
|
AIMS Home Loans |
Complete Variable Home Loan
|
8.03
|
8.08
|
$660
|
$0
|
$0
|
$0
|
$0
|
95
|
|
AIMS Home Loans |
Gold Standard Variable Home Loan
|
7.48
|
7.53
|
$660
|
$0
|
$0
|
$0
|
$0
|
95
|
|
AIMS Home Loans |
Money Saver Variable Home Loan
|
7.54
|
7.59
|
$660
|
$0
|
$0
|
$0
|
$0
|
90
|
|
AIMS Home Loans |
Platinum Standard Variable Home Loan
|
8.60
|
8.68
|
$660
|
$
|
$
|
$330
|
$
|
85
|
|
AMP Banking |
Professional Package Variable Rate loan ($1,500,000 +)
|
7.12
|
7.14
|
$0
|
$0
|
$295
|
$250
|
$349/yr
|
100
|
|
AMP Banking |
Professional Package Variable Rate Loan ($100,000-$249,999)
|
7.37
|
7.39
|
$0
|
$0
|
$295
|
$250
|
$349/yr
|
100
|