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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.

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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
	Flexi Easy Builder Expat (Construction) - Owner Occupied/Investment	8.79	8.90	8.79	0	-	-	-	0.00	$1,290	$0
	Flexi Boss Prime (Alt Doc) (P & I) - Investment	7.39	7.64	7.39	0	-	-	-	0.00	$1,290	$0
	Flexi Boss Near Prime (Alt Doc) (P & I) - Investment	8.24	8.49	8.24	0	-	-	-	0.00	$1,290	$0
	Flexi Boss Prime (Alt Doc) (Interest Only) - Owner Occupied	7.14	7.39	7.14	0	-	-	-	0.00	$1,290	$0
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Investment	6.94	7.38	6.94	0	6.94	6.94	6.94	0.00	$1,379	$0
	Classic Saver Home Loan (NDIS) (Construction) - Owner Occupied	7.44	7.88	7.44	0	-	-	-	0.00	$1,544	$0
	Classic Saver Home Loan (NDIS) (Construction) - Investment	7.74	8.18	7.74	0	-	-	-	0.00	$1,544	$0
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Owner Occupied	6.64	7.09	6.64	0	6.64	6.64	6.64	0.00	$1,544	$0
	Classic SMSF Commercial Security (P & I) - Investment	8.69	9.13	8.69	0	-	-	-	0.00	$1,564	$0
	Classic Fixed SMSF (P & I) - Investment	7.94	8.38	7.94	0	-	-	-	0.00	$1,564	$0
	Classic SMSF Commercial Security Fixed (P & I) - Investment	8.69	9.13	8.69	0	-	-	-	0.00	$1,564	$0
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Owner Occupied	7.44	7.89	7.44	0	-	-	-	0.00	$1,564	$0
	Classic SMSF (Interest Only) - Investment	8.34	8.78	8.34	0	-	-	-	0.00	$1,564	$0
	Classic SMSF (P & I) - Investment	7.94	8.38	7.94	0	-	-	-	0.00	$1,564	$0
	Classic Fixed SMSF (Interest Only) - Investment	8.34	8.78	8.34	0	-	-	-	0.00	$1,564	$0
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Investment	7.74	8.18	7.74	0	-	-	-	0.00	$1,564	$0
	Classic Fixed Non-Resident (Construction) - Investment	8.43	8.98	8.43	0	-	-	-	0.00	$1,894	$0
	Classic Non-Resident (Construction) - Investment	8.43	8.98	8.43	0	-	-	-	0.00	$1,894	$0
	Classic Fixed Non-Resident (P & I) - Investment	8.43	8.98	8.43	0	-	-	-	0.00	$1,894	$0
	Classic Non-Resident (Interest Only) - Investment	8.83	9.38	8.83	0	-	-	-	0.00	$1,894	$0
	Classic Non-Resident (P & I) - Investment	8.43	8.98	8.43	0	-	-	-	0.00	$1,894	$0
	Classic Fixed Non-Resident (Interest Only) - Investment	8.83	9.38	8.83	0	-	-	-	0.00	$1,894	$0
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
	Flexi Easy Builder Expat (Construction) - Owner Occupied/Investment		0.00
	Flexi Boss Prime (Alt Doc) (P & I) - Investment		0.00
	Flexi Boss Near Prime (Alt Doc) (P & I) - Investment		0.00
	Flexi Boss Prime (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Investment		0.00
	Classic Saver Home Loan (NDIS) (Construction) - Owner Occupied		0.00
	Classic Saver Home Loan (NDIS) (Construction) - Investment		0.00
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Owner Occupied		0.00
	Classic SMSF Commercial Security (P & I) - Investment		0.00
	Classic Fixed SMSF (P & I) - Investment		0.00
	Classic SMSF Commercial Security Fixed (P & I) - Investment		0.00
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Owner Occupied		0.00
	Classic SMSF (Interest Only) - Investment		0.00
	Classic SMSF (P & I) - Investment		0.00
	Classic Fixed SMSF (Interest Only) - Investment		0.00
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Investment		0.00
	Classic Fixed Non-Resident (Construction) - Investment		0.00
	Classic Non-Resident (Construction) - Investment		0.00
	Classic Fixed Non-Resident (P & I) - Investment		0.00
	Classic Non-Resident (Interest Only) - Investment		0.00
	Classic Non-Resident (P & I) - Investment		0.00
	Classic Fixed Non-Resident (Interest Only) - Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Flexi Easy Builder Expat (Construction) - Owner Occupied/Investment	1,290.00	0.00	0.00	950.00
	Flexi Boss Prime (Alt Doc) (P & I) - Investment	1,290.00	0.00	15.00	550.00
	Flexi Boss Near Prime (Alt Doc) (P & I) - Investment	1,290.00	0.00	15.00	550.00
	Flexi Boss Prime (Alt Doc) (Interest Only) - Owner Occupied	1,290.00	0.00	15.00	550.00
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Investment	1,379.20	395.00	0.00	795.00
	Classic Saver Home Loan (NDIS) (Construction) - Owner Occupied	1,544.20	395.00	0.00	795.00
	Classic Saver Home Loan (NDIS) (Construction) - Investment	1,544.20	395.00	0.00	795.00
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Owner Occupied	1,544.20	395.00	0.00	795.00
	Classic SMSF Commercial Security (P & I) - Investment	1,564.20	395.00	0.00	0.00
	Classic Fixed SMSF (P & I) - Investment	1,564.20	395.00	0.00	0.00
	Classic SMSF Commercial Security Fixed (P & I) - Investment	1,564.20	395.00	0.00	0.00
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Owner Occupied	1,564.20	395.00	0.00	0.00
	Classic SMSF (Interest Only) - Investment	1,564.20	395.00	0.00	0.00
	Classic SMSF (P & I) - Investment	1,564.20	395.00	0.00	0.00
	Classic Fixed SMSF (Interest Only) - Investment	1,564.20	395.00	0.00	0.00
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Investment	1,564.20	395.00	0.00	0.00
	Classic Fixed Non-Resident (Construction) - Investment	1,894.20	499.00	0.00	0.00
	Classic Non-Resident (Construction) - Investment	1,894.20	499.00	0.00	0.00
	Classic Fixed Non-Resident (P & I) - Investment	1,894.20	499.00	0.00	0.00
	Classic Non-Resident (Interest Only) - Investment	1,894.20	499.00	0.00	0.00
	Classic Non-Resident (P & I) - Investment	1,894.20	499.00	0.00	0.00
	Classic Fixed Non-Resident (Interest Only) - Investment	1,894.20	499.00	0.00	0.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Flexi Easy Builder Expat (Construction) - Owner Occupied/Investment	200000	30	65
	Flexi Boss Prime (Alt Doc) (P & I) - Investment	50000	30	80
	Flexi Boss Near Prime (Alt Doc) (P & I) - Investment	50000	30	80
	Flexi Boss Prime (Alt Doc) (Interest Only) - Owner Occupied	50000	30	70
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Investment	50000	30	80
	Classic Saver Home Loan (NDIS) (Construction) - Owner Occupied	50000	30	80
	Classic Saver Home Loan (NDIS) (Construction) - Investment	50000	30	80
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Owner Occupied	50000	30	80
	Classic SMSF Commercial Security (P & I) - Investment	50000	30
	Classic Fixed SMSF (P & I) - Investment	50000	30
	Classic SMSF Commercial Security Fixed (P & I) - Investment	50000	30
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Owner Occupied	50000	30
	Classic SMSF (Interest Only) - Investment	50000	30
	Classic SMSF (P & I) - Investment	50000	30
	Classic Fixed SMSF (Interest Only) - Investment	50000	30
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Investment	50000	30
	Classic Fixed Non-Resident (Construction) - Investment	50000	30
	Classic Non-Resident (Construction) - Investment	50000	30
	Classic Fixed Non-Resident (P & I) - Investment	50000	30
	Classic Non-Resident (Interest Only) - Investment	50000	30
	Classic Non-Resident (P & I) - Investment	50000	30
	Classic Fixed Non-Resident (Interest Only) - Investment	50000	30
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Flexi Easy Builder Expat (Construction) - Owner Occupied/Investment	$0.00	$0.00
	Flexi Boss Prime (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Flexi Boss Near Prime (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Flexi Boss Prime (Alt Doc) (Interest Only) - Owner Occupied	$0.00	$0.00
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Investment	$0.00	$0.00
	Classic Saver Home Loan (NDIS) (Construction) - Owner Occupied	$0.00	$0.00
	Classic Saver Home Loan (NDIS) (Construction) - Investment	$0.00	$0.00
	Classic Fixed Saver Home Loan (NDIS) (P & I) - Owner Occupied	$0.00	$0.00
	Classic SMSF Commercial Security (P & I) - Investment	$0.00	$0.00
	Classic Fixed SMSF (P & I) - Investment	$0.00	$0.00
	Classic SMSF Commercial Security Fixed (P & I) - Investment	$0.00	$0.00
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Owner Occupied	$0.00	$0.00
	Classic SMSF (Interest Only) - Investment	$0.00	$0.00
	Classic SMSF (P & I) - Investment	$0.00	$0.00
	Classic Fixed SMSF (Interest Only) - Investment	$0.00	$0.00
	Classic Fixed Saver Home Loan (NDIS) (Construction) - Investment	$0.00	$0.00
	Classic Fixed Non-Resident (Construction) - Investment	$0.00	$0.00
	Classic Non-Resident (Construction) - Investment	$0.00	$0.00
	Classic Fixed Non-Resident (P & I) - Investment	$0.00	$0.00
	Classic Non-Resident (Interest Only) - Investment	$0.00	$0.00
	Classic Non-Resident (P & I) - Investment	$0.00	$0.00
	Classic Fixed Non-Resident (Interest Only) - Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

Page 5 of 5

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.

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