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Home Loan Comparison Table

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Features Intro Variable  Intro Fixed Variable Offset  Standard Variable Basic Variable Fixed Rate Home Loan Offset Account Home Loan Equity Home Loan
Product name Introductory Variable Home Loan Introductory Fixed Home Loan Platinum Package Home Loan My Home Loan My Ideal Home Loan My Fixed Rate Home Loan My Advantage Home Loan My Equity Home Loan
Description Take advantage of this Special Offer 1 Year Intro Variable rate. For a limited time only Take advantage of this Special Offer 1 Year fixed rate. For a limited time only A low variable rate with 100% offset facility. A standard variable home loan with great benefits like free redraw A discounted variable rate available for home loans over $250,000 Lock in your home loan for 1, 2 or 3 years. Home loan with handy 100% offset account attached Combines your home loan and everyday transaction account into one
100% offset No  No  Yes 100% offset  No  No  No  Yes 100% offset  No 
Line of credit No No No No No No No Yes
Interest rates
Interest rate 3.39% pa1 3.39% pa1 3.89% pa3 4.54% pa 4.34% pa^ 1 yr: 4.39% pa2
2 yr: 4.44% pa2
3 yr: 4.59% pa2
4.74% pa 5.34% pa
Comparison rate 4.31% pa* 4.31% pa* 4.31% pa* 4.60% pa* 4.40% pa* 1 yr: 4.58% pa*
2 yr: 4.58% pa*
3 yr: 4.61% pa*
4.80% pa* N/a
Loan amounts and repayment terms
Minimum loan amount $250,000  $250,000  $500,000  $50,000  $250,000  $100,000  $100,000  $1,000 
Maximum loan amount $3,000,000  $3,000,000  $3,000,000  $3,000,000  $3,000,000  $3,000,000  $3,000,000  $1,000,000 
Maximum LVR Up to 95% of the property value with LMI Up to 95% of the property value with LMI Up to 95% of the property value with LMI Up to 95% of the property value with LMI Up to 95% of the property value with LMI Up to 95% of the property value with LMI Up to 95% of the property value with LMI 80% of the property value
Loan period Up to 30 years Up to 30 years Up to 30 years Up to 30 years Up to 30 years Up to 30 years Up to 30 years Continuing
Repayments and redraw options
Repayment frequency Weekly, fortnightly, monthly Weekly, fortnightly, monthly Weekly, fortnightly, monthly Weekly, fortnightly, monthly Weekly, fortnightly, monthly Weekly, fortnightly, monthly Weekly, fortnightly, monthly Monthly
Interest only available No No No Yes No No No No
Additional repayments accepted Yes  Yes  Yes  Yes  Yes  Yes  Yes  Yes 
Redraw available Yes  Yes  Yes  Yes  Yes  Yes  Yes  No 
Minimum redraw amount $100  $100  $100  $100  $100  $100  $100  N/A
Loan repayment insurance Yes  Yes  Yes  Yes  Yes  Yes  Yes  No 
Fees
Establishment fee Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost Valuation and mortgage preparation fees at cost
Monthly fee $0  $0  $0  $0  $0  $0  $0  $0 
Annual fee $0  $0  $375  $0  $0  $0  $0  $0 
Redraw fee $0  $0  $0  $0  $0  $0  $0  $0 
Early repayment fee $0  $0  $0  $0  $0  $0  $0  $0 
Early break fee $0  $0  $0  $0  $0  $0  $0  $0 

*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.
^My Ideal Home Loan is only applicable for new borrowings minimum of $250,000. Loan to valuation ratio (LVR) over 80% is subject to lenders mortgage insurance (LMI).
1Offer only available for owner occupied home loans over $250,000 for purchase or to refinance from another lender and must be funded within 6 weeks of approval. Loan to valuation ratio (LVR) over 80% is subject to lenders mortgage insurance (LMI). At the end of the introductory period the loan will revert to the My Ideal Home Loan.
2 At the end of the fixed rate period the loan will revert to the Standard Basic  Variable Rate: My Home Loan
3 Offer only available for purchase or to refinance home loans from another lender, minimum of $500,000 and must be funded no later than 6 weeks after approval. Loan to valuation ratio (LVR) over 80% is subject to lenders mortgage insurance (LMI). An annual fee of $375 applies to the Platinum Package Home Loan.

 

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