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Product Comparison
 
 

Variable Rate

6.54%

6.65%

7.05%

0.00%

7.64%

Fixed 1 yr

6.21%
6.22%

6.37%

0.00%

7.21%

Fixed 2 yr

6.32%

6.33%

6.48%

0.00%

7.32%

Fixed 3 yr

6.44%

6.45%
6.60%

0.00%

7.44%

Fixed 4 yr

6.63%

6.64%
6.79%

0.00%

7.63%
Fixed 5 yr

6.84%

6.85%

7.00%

0.00%

7.84%

Redraw

Yes, $2000.00 min amount and $25.00 per redraw

Yes
no fee & unlimited

Yes
no feee & unlimited

NO

Yes

Multiple accounts

$250.00 each

Yes

Yes

Yes

Yes

Interest only

NO

Yes
(invest)

YES
(invest)

YES

YES

Terms

10-30yrs

10-40yrs

10-30yrs

5-20yrs

10-30yrs

Monthly or annual fee

$10.00

NO

$8.00 p/m

NO

NO

Valuation Fee

$250

$250

$250

TBA on app'

$250
Deferred est. fee
(only payable if loan repaid in 1st 5 years)
0.30% loan amount first 5 yrs
0.60% loan amount first 5 yrs
Nil
Nil
$300

Legals

$430

$430

$430

On application

$430

Construction Fee
N/A
$250
$250
N/A
$250

LMI

Applicable

Nil under 80% lend & loan size under 500K

Nil under 80% lend & loan size under 500K

Check with lending staff

Applicable
LVR
97%
Plus LMI capitalised
97%
Plus LMI capitalised
95% o/oc 90% invest
65% higher with residential sec’ and LMI app
80% max for dwellings, 75% max land

Discharge Fee

$30 o/oc or 1 mth int invest

$30 o/oco 1 mth int invest

$30 o/oc or 1 mth int invest

One month's interest

One month's interest
Loan sizes
$50K-$500K
$50k plus
$50k-$500k
$100k plus
$50k-$800k
 
 
Features current at Monday, February 06, 2012. Please always check with lending staff re costs & rates as this table should only be used a guide.