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LOCKING IN LOOKS GOOD TO HOME OWNERS
ustralians have been fixing their home loans at a rate not seen since June 2008. The competitive pressure in the market has seen a dramatic drop
in fixed interest rates, encouraging even more borrowers to fix their loans. Lenders have dropped their 3 year fixed interest rates by 1.11% on average since June 2011. One lender has dropped its equivalent rate by 1.61%. The activity in the market resulted in almost 1 in 10 borrowers opting to fix their loan in the period of July 2011 to January 2012. CANSTAR RATINGS IMPACTED
he drop in fixed interest rates has shown up in the CANSTAR home loan star ratings with 48 fixed rate products losing their five star rating.
This was a direct result of competitive pressure to reduce rates. When we compare a product we consider its interest rates over a six-month period relative to the rest of the market. On average, the interest rates on fixed home loan products that lost their five star rating were 0.37% higher than the lowest interest rate. This is an unusual situation brought about entirely by market pressure in a rate-driven environment where the borrowers are the ultimate beneficiaries. RATE UNCERTAINTY TAMED?
here’s no doubt reduced interest rates have great
appeal to borrowers but the overriding reason borrowers are flocking to fixing has to do with the certainty a fixed loan offers. It’s not easy to predict the movements of variable interest rates
and the level of uncertainty over the issue was highlighted last November and December when the Reserve Bank of Australia (RBA) decreased the cash rate by 0.25%. Subsequently, many lenders did not pass on the full cuts to borrowers. ”Lender’s cost of funding” received another media airing but ANZ went one step further. When announcing that it would be passing on the full interest rate cut in December, it also announced plans to review interest rates on loan products on the second Friday of each month. ANZ CEO Australia Philip Chronican commented that the move “provides a measure of predictability for customers on when rate changes will occur and it provides us with the flexibility to reflect movements in funding costs across the full spectrum of funding sources – not solely in response to the Reserve Bank’s cash rate”.
CASH RATE STAYS PUT, BANKS BREAKAWAY
n February 2012, the RBA decided that the movements in November and December last year were having the desired effects and there was no
need at that point in time for any further easing of monetary policy. However, at ANZ’s monthly interest rate review in February, it was decided to increase rates on variable products by 0.06% due to higher funding costs irrespective of the RBA staying put. While ANZ was the first to announce the out-of-cycle rate increase, the bank was not alone nor did it post the biggest increase. In all, 42 lenders hiked up their rates in February on average by 0.1% with the largest increase being 0.15% by Bendigo Bank. Lenders consistently claimed that the cost of funding was behind the out-of-cycle rate rises. This was backed
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IN THIS REPORT: We research & rate over: • 1,961 home loans
• from 115 lenders
to compile 5-star fixed & variable home loans for residential, as well as investment purposes.
Report No. 29 March 2012
This report is no longer current. Please refer to the CANSTAR website for the most recent star ratings report on this topic
SUPERSEDED
YOUR GUIDE TO PRODUCT EXCELLENCE 2
up by the Reserve Bank of Australia. Speaking at the Australian DCM Summit, Guy Debelle, RBA Assistant Governor (Financial Markets), noted that pricing on deposit products, in particular term deposits, had risen and the cost of wholesale funds had increased due to “investors’ concerns about the global banking industry”.
KNOW WHAT YOU’RE PAYING
n this current uncertain rate environment, the most positive thing borrowers can do is to compare the interest rate they are currently paying on their home
loan with what else is available in the market to ensure they are not being overcharged. With the removal of
early exit fees last year, borrowers have the added flexibility to change lenders. However, it is wise to remember that some additional costs still apply. Things like discharge, application and government fees will need to be factored in when refinancing sums are being done. To help you compare loans, CANSTAR has looked at 1961 home loans from 115 lenders across variable, fixed rate and line of credit loans for both residential and investment purposes. Our star ratings are easy to use and give you the ability to narrow down products worth investigating further. They are also useful in seeing how your current lender stacks up.
COPYRIGHT© CANSTAR Pty Ltd ABN 21 053 646 165, 2008. The recipient must not reproduce or transmit to third parties the whole or any part of this work, whether attributed to CANSTAR or not, unless with prior written permission from CANSTAR, which if provided, may be provided on conditions. DISCLAIMER To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Pty Ltd ABN 21 053 646 165 AFSL 312804 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR’s FSG for more information at www.canstar.com.au. .
I
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
"outstanding value"ANZ 6.66% 375/a 250000Breakfree Investment Variable 250K to 500K 90%Both 0
Bank of Melbourne 6.70% 395/a 250000Advantage Package Investment Variable 250K+ 95%Both 0
bankmecu 6.58% Nil 10000Inv Premium <499k 95%P+I 595
Collins Home Loans 6.32% Nil 150000Investment Variable 90%Both 1025
Commonwealth Bank 6.66% 375/a 250000Wealth Package Inv Standard Variable 250K to 500 95%Both 200
CUA 6.72% Nil 250000Investment Discount Home Loan 97%Both 795
ECU Australia 6.40% 30/m 250000Loyalty Plus Investment Premium Variable 250K+ 95%Both 450
Greater Building Society 6.49% 325/a 0Ultimate Home Loan Package Inv Variable 95%Both 0
Illawarra CU NSW 6.32% 8/m 30000Basic Home Loan Investment 95%P+I 900
Illawarra Home Loans 6.28% 345/a 250000Investment Bank Beater 90%Both 0
IMB 6.29% 10/m 75000Investment Budget Loan 80%Both 323.74
loans.com.au 6.50% Nil 50000The Dream Investment Loan 95%Both 295
loans.com.au 6.40% Nil 50000Inv Dream Loan Express Variable 80%Both 295
loans.com.au 6.25% 375/a 50000Investment Dream Catcher 80%Both 295
Macquarie Bank 6.49% 33/m 150000Premium Inv Premium Variable 150K to 2M 90%Both 600
Macquarie Credit Union 6.71% Nil 10000Inv Property Variable 95%Both 800
Mortgage HOUSE 6.61% Nil 10000Inv Peak Variable <649k 95%P+I 595
Mortgage HOUSE 6.61% Nil 10000Inv Advantage Variable <649k 90%Both 595
Mortgage HOUSE 6.56% Nil 10000Inv Essential Offset Variable <649k 80%Both 595
nab 6.61% 750/a 250000Private Tailored Pkg Inv Tailored Variable 250K+ 95%Both 0
nab 6.61% 395/a 250000Choice Package Inv Tailored Variable 250K+ 95%Both 0
Newcastle Permanent 6.31% Nil 50000Investment Discounted Real Deal 3 yrs 95%Both 500
Newcastle Permanent 6.33% 350/a 250000Premium Plus Package Investment Premium Variabl 95%Both 0
Newcastle Permanent 6.56% Nil 50000Investment Real Deal 95%Both 500
Pacific Mortgage Group 6.25% Nil 50000Investment Variable 95%Both 0
Qantas Staff CU 6.49% Nil 150000Inv Step Ahead Variable <499k 95%Both 0
Qld Police Credit Union 6.44% 25/m 100000Inv Classic Plus Unlimited 97%Both 0
State Custodians 6.37% 345/a 151000Inv Standard Variable Offset 95%Both 0
State Custodians 6.62% Nil 150000Inv Breathe Easy Offset 95%Both 0
Suncorp Bank 6.40% 25/m 250000My Home Package Investment Variable 250K+ 95%Both 0
V Plus Home Loans 6.23% 350/a 250000Inv Advantage Plus Variable <899k 95%Both 50
Yellow Brick Road 6.44% Nil 250000Inv Gold Pathway Variable 90%Both 600
"rising star"
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
"rising star"HomeSide Lending 6.64% 10/m 250000Homeplus Package Homeplus Investment Variable 2 95%Both 162.5
A M O Group 6.68% Nil 50000Investment Variable 90%Both 1240
AMP Bank 6.57% Nil 100000Select Package Investment Classic Variable 100K+ 90%Both 895
AMP Bank 6.57% 349/a 250000Professional Package Investment Classic Variable 2 90%Both 0
AMP Bank 6.57% Nil 100000Affinity Package Investment Classic Variable 100K+ 90%Both 895
ANZ 6.56% Nil 50000Investment Simplicity Plus Unlimited 90%Both 0
Bank of Melbourne 6.70% 395/a 250000Advantage Package Investment Discount Variable 1 95%Both 0
BankSA 6.72% 395/a 250000Advantage Package Investment Variable 250K+ 95%Both 0
BankSA 6.72% 395/a 250000Advantage Package Inv Discount Variable 1 yr 250K 95%Both 0
BOQ 6.76% Nil 250000Shareholder Benefits Investment Standard Variable 95%Both 375
BOQ 6.61% 375/a 250000Home Loan Privileges Investment Standard Variable 95%Both 0
Catalyst Mutual 6.32% 8/m 30000Basic Home Loan Investment 95%P+I 900
Catalyst Mutual 6.45% 8/m 250000Investment Reward Rate 95%P+I 900
Citibank 6.59% 350/a 150000Mortgage Plus Investment Offset Variable 150K to 5 80%Both 0
Collins Home Loans 6.66% Nil 30000Inv Premium Variable 90%Both 1025
Community CPS Australia 6.84% Nil 200000Pinnacle +Plus Pkg Investment Variable 200K to 300 95%Both 0
CUA 6.34% Nil 10000Investment Intro Variable 1 yr 97%Both 795
CUA 6.54% Nil 10000Investment Basic Variable <5m 97%Both 795
eMoney 6.38% Nil 50000Inv Full Doc Variable 90%Both 275
eMoney 6.28% 330/a 50000Inv Full Doc Variable Pro Pack 90%Both 550
Gateway Credit Union 6.63% Nil 50000Inv Low Rate Essentials 95%Both 600
Greater Building Society 6.54% Nil No minInv Great Rate Variable 95%Both 500
Heritage Bank 6.53% 300/a 150000Professional Package Investment Variable 150K+ 95%Both 0
Homeloans 6.71% Nil 20000Investment Monipower 95%Both 1066
Homestar Finance 6.59% Nil 250000Inv No Fee Offset 90%Both 0
Hume Building Society 6.55% Nil 50000Investment Interest Saver 95%Both 750
Illawarra CU NSW 6.45% 8/m 250000Investment Reward Rate 95%P+I 900
IMB 6.49% Nil 75000Investment Budget Blue Loan 80%Both 768.74
ING DIRECT 6.84% 199/a 50000Inv Orange Advantage Variable <299k 95%Both 220
LJ Hooker Finance 6.49% Nil 30000Leveredge Plus Var Inv 90%Both 0
Macquarie Credit Union 6.46% Nil 150000Inv Low Rate Home Loan 95%P+I 820
ME Bank 6.49% 395/a 50000Member Package Investment Ultimate Offset 50K+ 95%P+I 300
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
Mortgageport Management 6.69% Nil 150000Inv Essential 95%Both 1704
MyRate 6.45% Nil 100000Inv Advantage Variable <599k 95%Both 0
Newcastle Permanent 6.56% 350/a 50000Premium Plus Package Investment Real Deal 50K+ 95%Both 0
People's Choice Credit Union 6.60% 375/a 250000Home Loan Package Investment Standard Variable 90%Both 0
Police Credit 6.49% 375/a 250000Premium Home Inv Standard Variable 250K+ 95%Both 0
Qantas Staff CU 6.79% Nil No minInv Home Plus Variable 95%P+I 600
Qld Police Credit Union 6.54% Nil 50000Inv Classic 97%Both 876
RAMS Home Loans 6.59% 20/m 15000Investor Home Loan 95%IO 1020
Rate Busters 6.49% Nil 80000Investment Fightback Prem Var 90%Both 855
RESI Mortgage Corp 6.69% Nil 30000Inv Smart Pro Loan 95%Both 632.5
RESI Mortgage Corp 6.81% Nil 10000Investment Flexi Options 95%Both 826.5
Select Credit Union 6.64% Nil 25000Super Investment Loan 95%Both 547
St George Bank 6.72% 395/a 250000Advantage Package Investment Discount Variable 1 95%Both 0
St George Bank 6.72% 395/a 250000Advantage Package Investment Variable 250K+ 95%Both 0
The Rock Building Soc 6.59% 350/a 100000Inv Rock Star Pkg Variable Special <3m 90%Both 0
UBank 6.23% Nil 100000Inv UHomeLoan (for refinancing) 80%Both 0
United Community 6.84% Nil 200000Pinnacle +Plus Pkg Investment Variable 200K to 300 95%Both 0
V Plus Home Loans 6.39% Nil 200000Inv Basic Variable 90%Both 0
Westpac 6.76% 395/a 250000Premier Advantage Rocket Investment Loan 250K+ 97%Both 750
Yellow Brick Road 6.48% Nil 50000Investment Better Basics 90%Both 600
ADCU 7.04% Nil 30000Investment Home Loan 95%Both 900
Adelaide Bank 6.76% 10/m 10000Investment Smartfit Variable 90%Both 895
Adelaide Bank 6.66% Nil 10000Investment SmartSaver 90%Both 895
AMP Bank 6.42% 349/a 100000Professional Package Investment Intro 1yr Variable 90%Both 0
AMP Bank 6.62% Nil 40000Investment Basic Variable Loan 90%Both 545
ANZ 7.36% 5/m 20000Investment Variable 90%Both 0
Arab Bank Australia 6.84% 8/m 50000Inv The Basics 95%P+I 600
Assured Home Loans 6.62% Nil 150000Inv Fightback II 90%Both 1014.5
Austral Mortgage 6.76% Nil 50000Investment Advantage Plus <499k 95%Both 1095
B & E Personal Banking 6.82% Nil 150000Inv TopLine Discount Variable <299k 95%Both 650
Bank of Melbourne 6.73% Nil 30000Inv Negotiated Basic Variable 95%Both 600
Bank of Melbourne 6.82% Nil 30000Investment Basic Variable 95%Both 600
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
bankmecu 6.58% 8/m 10000Inv Basic Variable 95%P+I 595
BankSA 6.75% Nil 30000Inv Negotiated Basic 95%Both 600
BankSA 6.84% Nil 30000Inv Basic Variable 95%Both 600
Bankstown City CU 6.73% Nil 25000Property Manager 97%Both 1025
Bankstown City CU 6.44% Nil 10000Inv Basic Home Loan 95%Both 1290
Bankwest 7.30% Nil 20000Inv Mortgage Shredder 95%Both 60
Bankwest 6.55% Nil 200000Investment Premium Select <749k 90%Both 0
Bankwest 6.70% Nil 20000Inv Premium Home Loan 95%Both 60
Bankwest 6.90% Nil 20000Inv Rate Cutter Home Loan 95%Both 60
bcu 6.45% Nil 10000Inv Discount Variable Rate 95% 95%Both 600
bcu 6.75% Nil 10000Inv Discount Variable Rate 95% 95%Both 600
Bendigo Bank 6.95% 8/m 5000Home Loan Package Investment Variable 5K+ 95%P+I 705
Bendigo Bank 6.75% 8/m 250000Home Loan Package Plus Investment Variable 250K 95%P+I 705
BMC Mortgage 6.73% Nil 50000Inv Platinum Pack 90%Both 510
BMC Mortgage 6.78% Nil 50000Inv Advantedge 95%Both 450
BOQ 6.88% 10/m No minInvestment Economy 95%Both 695
Catalyst Mutual 6.99% 8/m 30000Investment Variable 95%P+I 900
Citibank 6.59% 350/a 150000Mortgage Plus Investment Variable 150K to 500K 80%Both 0
Citibank 6.62% Nil 50000Investment Basic Variable 80%Both 649
Commonwealth Bank 6.71% 8/m 10000Inv Discount Intro Variable 1 yr 95%Both 800
Commonwealth Bank 6.69% Nil 10000Inv Rate Saver Intro Variable 3 yrs 95%Both 800
Commonwealth Bank 7.41% 8/m 10000Inv Standard Variable 95%Both 800
Commonwealth Bank 6.71% Nil 150000Inv No Fee Variable Rate 95%Both 0
Commonwealth Bank 6.71% 375/a 150000Wealth Package Inv Discount Intro Variable 1 yr 150 95%Both 200
Commonwealth Bank 6.90% 8/m 10000Inv Rate Saver 95%Both 800
Commonwealth Bank 6.69% Nil 10000Inv Economiser Intro Variable 3 yrs 95%Both 800
Commonwealth Bank 6.90% 8/m 10000Inv Economiser 95%Both 800
Community CPS Australia 6.44% 11/m 100000Investment Basic Variable 95%P+I 795
Community CPS Australia 7.14% Nil 10000Investment Parent Variable 95%Both 795
Community CPS Australia 7.14% Nil 10000Investment Variable 95%Both 795
Community First CU 6.59% Nil 50000True Basic Home Loan Investment 95%Both 1096
Community First CU 6.65% 395/a 250000Accelerator Home Loan Package Investment True V 95%Both 0
Community Mutual Group 6.89% Nil No minInvestment Sustainable Home Ln 95%Both 470
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
Companion CU 6.44% 11/m 100000Investment Basic Variable 95%P+I 795
Companion CU 7.14% Nil 10000Investment Parent Variable 95%Both 945
Companion CU 7.14% Nil 10000Investment Variable 95%Both 795
Credit Union SA 6.97% Nil 5000Investment Standard Variable <299k 90%Both 843.38
Credit Union SA 6.67% Nil 100000Investment First Home Loan 90%Both 0
Easy Street Fin Services 6.59% Nil 50000Investment Easystreet Basic Var 95%P+I 500
ECU Australia 6.19% Nil 150000Investment Introductory Home Loan 1 yr 95%Both 800
ECU Australia 7.00% Nil No minInvestment Premium Variable 95%Both 800
ECU Australia 6.19% Nil 10000Investment Easy Move 1 yr 95%Both 800
Encompass Credit Union 6.95% Nil No minInvestment Mortgage Loan 95%Both 930
First Option CU 7.06% Nil 5000Investment Mortgage Secured 95%Both 275
Gateway Credit Union 6.99% Nil 20000Investment Variable 95%Both 745
Greater Building Society 6.90% Nil No minInv Variable 95%Both 500
Hemisphere Financial 6.89% Nil 50000Investment Home Loan 95%Both 599
Hemisphere Financial 6.54% 345/a 150000Investment Horizon Loan 95%Both 599
Heritage Bank 6.35% Nil 150000Investment Discount Variable 95%P+I 850
Heritage Bank 6.53% Nil 50000Investment Basic Variable 95%P+I 600
Heritage Bank 6.94% 5/m 20000Investment Variable 95%Both 600
Homeloans 6.64% Nil 50000Investment ProSmart 95%Both 1041
Homeloans 6.64% Nil 30000Investment Ultra 95%Both 966
Homestar Finance 6.63% Nil 250000Inv Advantage Variable 95%Both 0
Horizon Credit Union 6.70% 5/m 20000Investment Basic Home Loan 95%Both 935
Horizon Credit Union 6.60% 375/a 250000Platinum Loan Package Investment Classic Home L 95%Both 0
HSBC 6.77% Nil 100000Investment Home Value 90%Both 100
HSBC 7.38% Nil 50000Investment Variable 90%Both 850
HSBC 7.38% Nil 50000Investment Home Smart 90%P+I 850
Hume Building Society 6.85% Nil No minInvestment Variable 97%Both 750
Hunter United Credit Un 6.65% 295/a 250000Package Home Loan Investment Variable 250K+ 95%P+I 0
Hunter United Credit Un 6.50% 5/m No minInv Basic Variable Unlimited 95%P+I 930
Illawarra CU NSW 6.99% 8/m 30000Investment Variable 95%P+I 900
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
IMB 7.09% Nil 10000Investment Variable 80%Both 768.74
IMB 6.54% 360/a 200000Professional Mortgage Plus Investment Variable 200 80%Both 323.74
IMB 6.79% Nil 200000Professional Mortgage Investment Variable 200K+ 80%Both 323.74
IMB 6.09% 10/m 1000Inv Discount Intro Variable 1 yr 80%Both 768.75
ING DIRECT 6.72% Nil 50000Inv Mortgage Simplifier <299k 95%Both 220
LJ Hooker Finance 6.59% Nil 30000Leveredge Inv 90%Both 0
LJ Hooker Finance 6.59% Nil 30000Kick-Start Plus Var Inv 95%Both 0
LJ Hooker Finance 6.65% Nil 30000Kick-Start Var Inv 95%Both 0
Macarthur Credit Union 7.05% Nil No minProperty Investment Loan 95%Both 1180
Macquarie Bank 7.40% Nil 150000Inv Premium Variable 90%Both 600
Macquarie Bank 6.49% Nil 150000Inv Classic P&I Variable 80%P+I 0
Macquarie Bank 6.59% Nil 150000Classic Inv Classic IO Variable 150K to 2M 90%IO 600
Macquarie Bank 6.59% Nil 150000Inv Classic IO Variable 90%IO 600
Macquarie Credit Union 6.21% Nil 150000Inv Power Home Loan 1 yr 95%Both 800
Maritime Mining & Power 7.04% Nil 30000Inv All In One 90%Both 800
Maritime Mining & Power 6.78% Nil 30000Inv First Rate 95%Both 500
ME Bank 6.74% Nil 40000Investment Var Supermember 95%P+I 300
ME Bank 7.04% Nil 50000Investment Ultimate Supermember 95%P+I 300
Mortgage HOUSE 6.49% 375/a 10000Inv Vantage Offset Variable 90%Both 670
Mortgageport Management 7.04% Nil 150000Inv Member Special 95%Both 879
Mortgageport Management 6.80% Nil 150000Inv Choice Home Loan 90%Both 2105
nab 7.10% Nil 20000Inv Base Variable Rate 95%Both 600
nab 7.31% 8/m 20000Inv Tailored Variable 95%Both 600
nab 6.81% Nil 20000Inv Base Variable Rate Discount 95%Both 600
Newcastle Permanent 6.26% Nil No minInvestment Intro Variable 1 yr 95%Both 500
Newcastle Permanent 7.18% Nil No minInvestment Premium Variable 95%Both 0
Newcastle Permanent 6.96% 350/a 0Premium Plus Package Investment Real Options 95%Both 0
Newcastle Permanent 6.26% 350/a 0Premium Plus Package Investment Intro Variable 1 y 95%Both 0
Newcastle Permanent 6.96% Nil No minInvestment Real Options 95%Both 500
Northern Beaches CU 7.09% Nil 30000Investment All in One 95%P+I 915
Northern Beaches CU 6.04% Nil 30000Investment Introductory Home Loan 1 yr 95%P+I 1390
Northern Beaches CU 6.59% Nil 100000Investment Minimiser Home Loan 95%P+I 915
your guide to product excellence
Rates are correct as at 13th March 2012 Page 6 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
People's Choice Credit Union 6.62% 8/m 50000Investment Basic Variable 95%Both 900
People's Choice Credit Union 6.68% Nil 30000Investment Lite Basic Variable 95%Both 619
Police Credit 6.19% Nil 120000Inv 12m Discount Variable 1 yr 95%P+I 0
Police Credit 6.89% Nil 10000Inv Standard Variable 95%Both 600
Qantas Staff CU 6.79% Nil No minInv Options Variable IO 95%Both 600
Qld Police Credit Union 7.09% Nil 50000Inv Standard Variable 97%Both 876
Qld Professional CU 6.75% 10/m No minInv Friendly 90%Both 705
QT Mutual Bank 6.67% Nil 250000Smart Starter Extra Investment Mortgage Breaker 25 95%P+I 600
QT Mutual Bank 6.67% 395/a 250000Choices Investment Mortgage Breaker 250K to 500K 95%P+I 0
QT Mutual Bank 6.67% 25/m 250000Teachers' Life Investment Mortgage Breaker 250K to 95%P+I 0
QT Mutual Bank 6.47% 25/m 150000Teachers' Life Inv Intro Rate Mortgage Breaker 1 yr 95%P+I 0
QT Mutual Bank 6.47% Nil 150000Smart Starter Extra Inv Intro Rate Mortgage Breaker 95%P+I 600
QT Mutual Bank 6.47% 395/a 150000Choices Inv Intro Rate Mortgage Breaker 1 yr 150K+ 95%P+I 0
Queensland Country Credit Union
6.59% 330/a 150000Ultimate Home Loan Investment Variable Rate 150K 95%Both 0
Queenslanders CU 6.68% Nil 50000Inv Original Home Loan 95%Both 595
RAMS Home Loans 7.28% Nil 15000Inv Full Feature 95%Both 1020
RESI Mortgage Corp 7.10% Nil 30000Inv Complete Home Loan 95%Both 632.5
RESI Mortgage Corp 6.49% Nil 30000Inv Switch'n'Save Intro Var 2 yrs 95%Both 632.5
SCU 7.10% Nil 25000Inv Standard Variable 95%Both 747
SCU 6.59% Nil 25000Investment Basic Home Loan 95%P+I 747
SERVICE ONE Members Bank
7.10% 8/m No minInvestment Standard Variable 97%Both 750
SGE Credit Union 6.89% Nil 20000Inv Affinity Standard Variable HL 95%Both 1090
SGE Credit Union 7.19% Nil 20000Investment Mortgage Secured Ln 95%Both 1090
St George Bank 6.75% Nil 30000Inv Negotiated Basic Variable 95%Both 600
St George Bank 6.84% Nil 30000Investment Basic Variable 95%Both 600
Summerland CU 6.71% 380/a 250000Inv Premium 95%P+I 0
Suncorp Bank 6.85% Nil 10000Investment Back To Basics 95%Both 600
Sutherland Credit Union 6.80% Nil 50000Investment Home Plus 95%P+I 1055
Teachers Credit Union 6.39% 200/a 250000Rewards Package Inv Solutions Plus Home Loan 25 95%P+I 765
Teachers Credit Union 6.39% 200/a 250000Inv Solutions Plus Home Loan 95%P+I 765
Teachers Credit Union 6.49% 200/a 150000Rewards Package Inv Smart Home Loan 150K+ 95%P+I 765
Teachers Credit Union 6.49% 200/a 150000Inv Smart Home Loan 95%P+I 765
Teachers Credit Union 7.04% Nil 25000Inv Variable IO 95%IO 715
your guide to product excellence
Rates are correct as at 13th March 2012 Page 7 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
The Capricornian 6.45% 385/a 50000My First Home Loan Inv Variable 50K to 750K 95%Both 0
The Capricornian 6.85% 385/a 50000My Advantage Inv Variable 50K to 2M 95%Both 0
The Mutual 6.39% Nil 150000Inv Intro Plus 3 yrs 90%P+I 500
The Mutual 6.59% Nil 50000Inv Mutual 90%Both 300
The Rock Building Soc 6.91% Nil 50000Investment Advantage Variable 90%Both 800
The Rock Building Soc 6.84% 350/a 100000Inv Rock Star Package Variable <3m 90%Both 0
TIO Banking 6.76% 399/a 250000Essentials Home Ln Pkg Investment Essentials Vari 90%P+I 0
Unicredit-WA 6.60% Nil No minInvestment Variable 95%Both 0
United Community 6.44% 11/m 100000Investment Basic Variable 95%P+I 795
United Community 7.14% Nil 10000Investment Parent Variable 95%Both 945
United Community 7.14% Nil 10000Investment Variable 95%Both 795
Victoria Teachers Mutual Bank
6.49% Nil No minInv Basic Variable 95%P+I 0
Victoria Teachers Mutual Bank
6.79% Nil 50000Interest Only Investment Variable 95%IO 0
Victoria Teachers Mutual Bank
6.99% Nil No minInv Offset Variable 95%Both 0
Wagga Mutual Credit Un 6.44% 11/m 100000Investment Basic Variable 95%P+I 795
Wagga Mutual Credit Un 7.14% Nil 10000Investment Variable 95%Both 795
Wagga Mutual Credit Un 7.14% Nil 10000Investment Parent Variable 95%Both 795
Westpac 6.76% Nil 25000Investment Flexi First Option 97%Both 750
Westpac 7.46% 8/m 10000Rocket Investment Loan 97%Both 750
Yellow Brick Road 6.84% Nil 20000Inv Homebase 90%Both 745
ADCU 7.04% Nil 30000Interest Only Loan 95%IO 900
AIMS Home Loans 7.07% 10/m 200000Inv First Option Variable 85%Both 660
AIMS Home Loans 7.25% Nil 50000Inv Gold Variable 85%Both 660
AIMS Home Loans 6.71% Nil 150000Inv Super Saver Discount Variable 1 yr 85%Both 660
AMP Bank 7.42% 10/m 40000Investment Classic Variable 90%Both 895
AMP Bank 6.42% 10/m 40000Investment Intro 1yr Variable 90%Both 295
Aussie Home Loans 7.40% Nil 100000Inv Optimizer Standard Variable 95%Both 100
B & E Personal Banking 7.30% Nil No minInvestment Variable 95%Both 650
Bank of Cyprus Australia 7.35% 6/m No minInvestment Complete 90%Both 770
Bank of Cyprus Australia 7.35% 8/m 30000Investment Essential 90%Both 1020
Bank of Melbourne 6.70% 10/m 50000Investment Discount Variable 1 yr 95%Both 700
Bank of Melbourne 7.40% 10/m 10000Investment Variable 95%Both 700
your guide to product excellence
Rates are correct as at 13th March 2012 Page 8 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
BankSA 6.72% 10/m 50000Inv Discount Variable 1 yr 95%Both 700
BankSA 7.42% 10/m 10000Investment Variable 95%Both 700
Bankwest 6.30% Nil 20000Inv Mortgage Shredder Intro Var 1 yr 95%Both 60
Bankwest 7.18% Nil 20000Inv Lite Home Loan 95%Both 60
Bankwest 6.50% Nil 20000Inv Super Start Home Loan 95%Both 60
bcu 7.15% Nil 10000Inv Standard Variable 95%Both 600
Bendigo Bank 7.45% 8/m 5000Investment Variable 95%P+I 705
BOQ 7.46% 10/m No minInvestment Standard Variable 95%Both 845
CairnsPenny Savings&Loan 6.85% 15/q 20000Inv Standard Variable 95%Both 660
Circle Credit Co-op 7.15% Nil 50000Inv Standard Variable 95%Both 500
Citibank 7.62% 8/m 50000Investment Offset Variable 85%Both 649
Coastline Credit Union 6.96% 8/m 100000Investment Options Home Loan 90%P+I 755
Coastline Credit Union 7.26% Nil 15000Investment Variable 90%P+I 755
Community First CU 7.15% Nil 10000Investment True Value Var Hl 95%Both 1096
Community Mutual Group 7.14% Nil No minInvestment Home Loan Redidraw 95%Both 525
FCCS Credit Union 6.69% 8/m 30000Investment Value Home Loan 95%Both 750
FCCS Credit Union 7.39% Nil 30000Investment Value Plus Variable 95%Both 750
FCCS Credit Union 7.39% Nil 30000Investment Variable 95%Both 750
Hemisphere Financial 7.29% Nil 50000Investment Alt Doc Loan 80%Both 599
Holiday Coast CU 7.20% Nil 50000Inv Keep It Simple Standard <399k 95%Both 935
Holiday Coast CU 7.10% 8/m No minInv Live Life Platinum <399k 95%Both 935
Holiday Coast CU 7.35% 8/m No minInv Live Life Standard <399k 95%Both 935
Holiday Coast CU 7.00% Nil 50000Inv Keep It Simple Platinum <399k 95%Both 935
Horizon Credit Union 7.10% Nil No minInvestment Classic Home Loan 95%Both 835
Hunter United Credit Un 7.04% 5/m No minInvestment Variable 95%P+I 930
Intech Credit Union 7.06% Nil 30000Investment Loan 95%IO 935
ME Bank 7.49% Nil 50000Investment Ultimate Offset 95%P+I 300
ME Bank 7.19% Nil 40000Investment Interest Only Loan 95%Both 300
ME Bank 7.19% Nil 40000Investment Variable 95%IO 300
Mortgageport Management 6.85% 330/a 250000Inv April Special 90%Both 550
MyState 6.98% Nil 150000Investment Essentials 97%Both 850
MyState 7.35% Nil 30000Residential Investment 97%Both 952
People's Choice Credit Union 7.20% Nil 20000Investment Standard Variable 90%Both 900
your guide to product excellence
Rates are correct as at 13th March 2012 Page 9 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
Police Credit Union 6.91% Nil 30000Investment Variable 90%Both 1045
QT Mutual Bank 6.47% Nil 125000Inv Intro Rate Mortgage Breaker 1 yr 95%P+I 644
QT Mutual Bank 7.27% Nil 20000Investment Mortgage Breaker 95%P+I 644
QT Mutual Bank 6.85% Nil 150000Investment Rate Tracker HL Series 2 80% 95%P+I 644
Queensland Country Credit Union
7.09% 5/m 10000Investment Variable Rate 95%Both 950
Railways Credit Union 6.85% Nil 50000Investment Mort Loan Variable 90%P+I 450
RESI Mortgage Corp 6.20% Nil 30000Inv Low Start 1 yr 95%Both 1182.5
RTA Staff CU 7.14% Nil 10000Investment Variable 95%P+I 1010
RTA Staff CU 6.89% Nil 100000Investment Basic Variable 95%P+I 1010
SGE Credit Union 6.99% Nil 20000Inv Affinity Mortgage Breaker HL 95%Both 1090
St George Bank 7.42% 10/m 10000Investment Variable 95%Both 700
St George Bank 6.72% 10/m 50000Investment Discount Variable 1 yr 95%Both 700
Summerland CU 7.06% 8/m 20000Investment Eco Mortgage Loan 95%P+I 600
Summerland CU 7.31% 8/m 20000Investment Mortgage Investment 95%Both 800
Suncorp Bank 7.43% 10/m 10000Investment Variable 95%Both 600
Sutherland Credit Union 7.41% 8/a 50000Investment Home In One 95%P+I 1055
Sutherland Credit Union 6.65% Nil 250000Investment Home Basic 95%P+I 1055
Teachers Credit Union 7.04% Nil 25000Inv Flexi Choice 95%P+I 715
The Capricornian 7.35% Nil 10000Inv Variable 95%Both 250
The Mutual 6.94% Nil 20000Inv Premium Variable 95%Both 300
The Rock Building Soc 7.59% 5/m 50000Investment Variable 95%Both 800
TIO Banking 7.26% 10/m 10000Investment Essentials Variable 90%P+I 1180
Adelaide Bank 7.84% 10/m 10000Investment Smartdoc Variable 80%Both 895
Arab Bank Australia 7.90% Nil 50000Inv Standard Variable 95%Both 250
Arab Bank Australia 6.44% 8/m 50000Inv HeadStart Intro Variable 6 mths 95%P+I 600
Bank of Melbourne 7.40% 12/m 100000Super Fund Variable 80%Both 1600
BankSA 7.42% 12/m 100000Super Fund Variable 80%Both 1600
Beirut Hellenic Bank 7.58% 10/m No minInvestment Variable 80%Both 1020
Citibank 7.62% 8/m 50000Investment Variable 85%Both 649
Community Mutual Group 7.14% Nil No minInvestment Mortgage Breaker 95%P+I 470
Horizon Credit Union 7.60% Nil 10000Investment Real Estate 95%P+I 835
Hunter United Credit Un 6.90% Nil 150000Inv Interest Only 90%IO 880
your guide to product excellence
Rates are correct as at 13th March 2012 Page 10 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVR
Loan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE INVESTMENT HOME LOAN
Redra
w
Facility
Macquarie Credit Union 9.10% Nil 10000Inv Property Secured Loan 95%Both 800
Qld Professional CU 7.60% Nil No minInv Variable 90%Both 705
Queenslanders CU 7.29% 8/m 50000Inv Standard Variable Rate 90%P+I 595
St George Bank 7.42% 12/m 100000Super Fund Variable 80%Both 1600
Summerland CU 7.71% 10/m 20000Investment Equity Extra 80%Both 800
your guide to product excellence
Rates are correct as at 13th March 2012 Page 11 of 11INVESTMENT VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product Loan Review Period
Max LVRLoan Fees ($250k) Max Loan
UpfrontIn
tere
st
Capita
lisatio
n
Ongoing
Company MandatoryPayments Necessary
Spllit F
acility
REVOLVING LINE OF CREDIT
"outstanding value"ANZ 7.51% 150/a No MaxEquity Manager 90% N/A0
ANZ 6.81% 375/a 499999.99Breakfree Equity Manager 250K to 500K 90% N/A0
Commonwealth Bank 6.81% 375/a 499999.99Wealth Package Viridian Line Of Credit 250K to 500 90% Annual200
Greater Building Society 7.20% 325/a No MaxUltimate Home Loan Package Constant Credit Equit 90% Annual0
HomeSide Lending 6.79% 70/s No MaxHomeplus Package Peak Performance Equity 250K 90% Annual162.5
Macquarie Bank 6.49% 33/m 2000000Premium Line of Credit Variable 150K to 2M 90% Annual0
nab 6.88% 550/a 499999.99Portfolio Package Portfolio Facility <499k 250K to 5 90% Annual0
nab 6.88% 550/a No MaxPortfolio Facility <499k 90% Annual0
nab 6.88% 750/a 499999.99Private Portfolio Portfolio Facility <499k 250K to 500 90% Annual0
nab 6.79% 8/m No MaxHome Equity LOC 90% Annual600
Newcastle Permanent 6.41% 350/a 499999.99Premium Plus Package Real Equity 250K to 500K 90% Annual0
Select Credit Union 6.84% Nil No MaxSuper Equity Access 95% Annual547
State Custodians 6.37% 345/a 1000000Line of Credit 95% N/A0
Suncorp Bank 6.40% 25/m No MaxMy Home Package Asset Line Of Credit 250K+ 90% N/A0
Bank of Melbourne 6.80% 395/a 999999.99Advantage Package Portfolio Loan 250K to 1000K 90% N/A0
BankSA 6.82% 395/a No MaxAdvantage Package Portfolio Loan 250K+ 90% N/A0
bcu 6.45% Nil No MaxAll-In-One Discount Variable Unlimited 90% Annual600
BOQ 6.96% Nil No MaxShareholder Benefits Come-N-Go Line of Credit 250 90% Annual625
Commonwealth Bank 7.04% Nil No MaxCALIA+ 80% N/A220
Community CPS Australia 6.99% Nil 299999.99Pinnacle +Plus Pkg All-In-One Variable 200K to 300 90% Annual0
Gateway Credit Union 7.14% Nil No MaxEquitismart Home Loan 80% N/A745
Greater Building Society 7.25% 5/m No MaxConstant Credit Equity 90% Annual500
IMB 6.89% Nil No MaxProfessional Mortgage Equity Line Advantage 200K 80% Annual323.74
Mortgage HOUSE 6.59% 150/a No MaxHome Line <649k 95% N/A595
nab 7.46% 250/a No MaxFlexi Plus 90% Annual600
nab 7.31% 395/a No MaxChoice Package Flexi Plus 150K+ 90% Annual0
nab 7.31% 750/a No MaxPrivate Tailored Pkg Flexi Plus 20K+ 90% Annual0
Pacific Mortgage Group 6.44% Nil 2000000Line Of Credit 95% N/A0
Qantas Staff CU 6.79% Nil No MaxAccess Loan 95% N/A600
St George Bank 6.82% 395/a 999999.99Advantage Package Portfolio Loan 250K to 1000K 90% N/A0
Unicredit-WA 6.95% Nil No MaxEquity Access 80% Annual0
United Community 6.99% Nil 299999.99Pinnacle +Plus Pkg All-In-One Variable 200K to 300 90% Annual0
Westpac 6.91% 395/a No MaxPremier Advantage Equity Access Loan 250K+ 92% Semi-Annual150
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 5REVOLVING LINE OF CREDITAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product Loan Review Period
Max LVRLoan Fees ($250k) Max Loan
UpfrontIn
tere
st
Capita
lisatio
n
Ongoing
Company MandatoryPayments Necessary
Spllit F
acility
REVOLVING LINE OF CREDIT
A M O Group 6.78% 150/a 2000000Line Of Credit 95% N/A1240
ADCU 7.29% Nil No MaxHome Equity Loan 80% Annual900
AMP Bank 6.77% Nil No MaxAffinity Package Classic LOC 100K+ 90% N/A895
AMP Bank 6.77% Nil No MaxSelect Package Classic LOC 100K+ 90% N/A895
Arab Bank Australia 7.90% 150/a 500000Line of Credit 90% Annual0
Aussie Home Loans 6.59% 198/a 2000000Optimizer Line of Credit 95% N/A100
Bank of Cyprus Australia 7.50% 8/m 5000000Home Equity 90% N/A1020
Bank of Melbourne 7.50% 14/m No MaxPortfolio Loan 90% N/A800
BankSA 7.52% 14/m No MaxPortfolio Loan 90% N/A800
bcu 7.15% Nil 7000000All-In-One Standard Variable 90% Annual600
Bendigo Bank 6.85% 8/m No MaxHome Loan Package Plus Home Equity Loan 250K t 90% N/A705
Bendigo Bank 7.55% 8/m No MaxHome Equity Loan 90% N/A705
Bendigo Bank 7.10% 8/m No MaxHome Loan Package Home Equity Loan 5K to 10M 90% N/A705
BMC Mortgage 7.03% Nil 750000Advantedge LOC 90% N/A450
BOQ 7.81% 10/m No MaxCome-N-Go Line of Credit 90% Annual845
BOQ 6.81% 375/a 999999.99Home Loan Privileges Come-N-Go Line of Credit 25 90% Annual250
CairnsPenny Savings&Loan 6.85% Nil 1000000Line Of Credit 80% N/A760
Citibank 6.74% 350/a 499999.99Mortgage Plus Mortgage Power LOC 150K to 500K 80% N/A0
Coastline Credit Union 6.96% 5/m No MaxHome Equity Access Unlimited 90% Annual755
Collins Home Loans 6.76% 150/a 2000000Line Of Credit 95% N/A1025
Commonwealth Bank 7.56% 12/m No MaxViridian Line Of Credit 90% Annual800
Community CPS Australia 7.29% Nil 2000000All-In-One Variable 90% Annual795
Companion CU 7.29% Nil 2000000All-In-One Variable 90% Annual795
CUA 6.97% Nil 1000000Mortgage Freedom Variable <1m 90% N/A795
Defence Bank 7.14% 300/a 1500000Smart Mover 80% N/A0
ECU Australia 6.40% 30/m No MaxLoyalty Plus Mortgage Eliminator 250K+ 95% q450
eMoney 6.59% Nil 1000000Line of Credit 90% N/A275
Encompass Credit Union 7.25% Nil 1000000Equity Home Loan 80% N/A930
Heritage Bank 7.01% 8/m 500000Living Equity 85% Annual600
Heritage Bank 6.63% 300/a No MaxProfessional Package Living Equity 150K+ 85% Annual0
Homeloans 6.74% 330/a 2000000Ultra Plus Loc 90% N/A966
Homeloans 6.74% 295/a 2000000ProSmart All-In-One Variable 95% N/A1041
Homeloans 6.84% Nil 2000000Ultra Loc 90% N/A1031
HomeSide Lending 7.52% 70/s No MaxPeak Performance Equity 90% Annual162.5
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 5REVOLVING LINE OF CREDITAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product Loan Review Period
Max LVRLoan Fees ($250k) Max Loan
UpfrontIn
tere
st
Capita
lisatio
n
Ongoing
Company MandatoryPayments Necessary
Spllit F
acility
REVOLVING LINE OF CREDIT
HSBC 7.46% Nil 1000000Home Equity Loan 80% Annual850
Hume Building Society 6.95% Nil No MaxLine Of Credit 80% N/A750
Hume Building Society 6.95% Nil No MaxTransactional Loan 80% N/A750
Hunter United Credit Un 7.24% 5/m No MaxHome Equity 80% N/A930
Illawarra Home Loans 6.28% 345/a 1000000Bank Beater LOC 90% N/A0
IMB 7.29% Nil 1000000Equity Line Advantage 80% Annual768.74
IMB 6.89% 360/a No MaxProfessional Mortgage Plus Equity Line Advantage 80% Annual323.74
ING DIRECT 7.32% 180/a 2000000Smart Home Loan <299k 90% N/A719
ING DIRECT 7.32% Nil 2000000Action Equity Loan 90% N/A220
Intech Credit Union 7.32% Nil 750000Mortgage Master 80% Annual935
LJ Hooker Finance 6.79% Nil 2000000Leveredge LOC 90% N/A0
Macquarie Bank 7.40% Nil 2000000Line of Credit Variable 90% Annual0
Mortgage HOUSE 6.56% Nil No MaxEssential Offset Equity <649k 80% N/A595
Mortgage HOUSE 6.49% 375/a 750000Vantage Offset Equity 90% N/A670
MyRate 7.10% Nil 2000000All-In-One Variable <599k 95% N/A0
Newcastle Permanent 7.16% 9/m No MaxReal Equity 90% Annual500
People's Choice Credit Union 6.70% 375/a No MaxHome Loan Package Line of Credit 250K+ 95% Annual0
People's Choice Credit Union 7.30% 8/m No MaxLine of Credit 95% Annual900
Police&NursesMut Banking 7.40% 8/m No MaxEquity Access Account 90% Annual650
QT Mutual Bank 6.87% 395/a 499999.99Choices Home Loan Overdraft 250K to 500K 80% N/A0
QT Mutual Bank 6.87% 25/m 499999.99Teachers' Life Home Loan Overdraft 250K to 500K 80% N/A0
Queenslanders CU 7.24% 8/m No MaxHome Action Account 80% Annual595
Railways Credit Union 6.85% Nil No MaxTilt-All-In-One Overdraft 90% Annual450
Railways Credit Union 6.85% Nil No MaxTilt Investment Overdraft 85% Annual450
RAMS Home Loans 7.38% 20/m No MaxLine Of Credit 90% N/A1020
RESI Mortgage Corp 7.10% Nil 500000Line Of Credit 95% N/A632.5
St George Bank 7.52% 14/m No MaxPortfolio Loan 90% N/A800
Suncorp Bank 7.43% 10/m No MaxAsset Line Of Credit 90% N/A600
Suncorp Bank 7.33% 10/m No MaxEquity Home Loan 90% N/A600
United Community 7.29% Nil 2000000All-In-One Variable 90% Annual795
Victoria Teachers Mutual Bank
7.04% 150/a No MaxEquity Line of Credit 90% Annual0
Wagga Mutual Credit Un 7.29% Nil 2000000All-In-One Variable 90% Annual795
Westpac 7.61% 10/m No MaxEquity Access Loan 92% Semi-Annual750
Yellow Brick Road 6.99% Nil 1000000Wealth Access 80% N/A745
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 5REVOLVING LINE OF CREDITAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product Loan Review Period
Max LVRLoan Fees ($250k) Max Loan
UpfrontIn
tere
st
Capita
lisatio
n
Ongoing
Company MandatoryPayments Necessary
Spllit F
acility
REVOLVING LINE OF CREDIT
AMP Bank 6.77% 349/a No MaxProfessional Package Classic LOC 250K+ 90% N/A0
Austral Mortgage 6.86% 150/a 5000000Homebuyer Plus LOC 90% N/A1095
bankmecu 7.04% 12.5/m No MaxHome Equity 80% N/A595
Bankwest 7.28% 325/a No MaxEquity Access 90% Annual0
Catalyst Mutual 7.02% Nil No MaxAll In One 80% N/A900
Citibank 7.99% 12/m 1000000Mortgage Power LOC 85% N/A649
Credit Union SA 6.97% Nil No MaxLine of Credit Variable <299k 90% Annual843.38
ECU Australia 7.00% Nil No MaxMortgage Eliminator 95% q800
Horizon Credit Union 7.10% 5/m No MaxHandy Loan 80% Annual835
Illawarra CU NSW 7.02% Nil No MaxAll In One 80% N/A900
MyState 7.35% 150/a No MaxCash on Hand Line of Credit 80% Annual952
Police Credit 6.89% Nil 1000000Line of Credit 90% N/A600
Police Credit Union 6.97% 7/m No MaxEquity Maximiser Variable 90% Annual1045
QT Mutual Bank 7.47% Nil No MaxHome Loan Overdraft 80% N/A644
QT Mutual Bank 7.17% 395/a 499999.99Choices Home Equity Overdraft Variable 250K to 50 80% N/A0
QT Mutual Bank 6.97% 25/m 499999.99Teachers' Life Home Equity Loan Variable 250K to 85% N/A0
QT Mutual Bank 6.97% 395/a 499999.99Choices Home Equity Loan Variable 250K to 500K 85% N/A0
QT Mutual Bank 7.17% 25/m 499999.99Teachers' Life Home Equity Overdraft Variable 250 80% N/A0
Queensland Country Credit Union
6.49% 330/a No MaxUltimate Home Loan Line of Credit 150K+ 80% Annual0
RTA Staff CU 7.20% Nil 798900Home Equity 80% N/A1010
SCU 7.35% 100/a No MaxHome Equity Overdraft 95% N/A747
SERVICE ONE Members Bank
7.55% 12/m No MaxHomePlus Line of Credit 80% Annual750
The Capricornian 7.20% 385/a 2000000My Advantage Mortgageline 50K to 2M 95% N/A0
The Mutual 7.10% 10/m No MaxExpress Credit Facility 90% Annual300
The Rock Building Soc 7.59% 5/m 3000000Line of Credit Variable 80% N/A800
The Rock Building Soc 6.84% 350/a 3000000Rock Star Line of Credit <3m 80% N/A0
Unicredit-WA 6.60% Nil No MaxMortgage Secured Personal Loan 95% N/A0
AMP Bank 7.62% 10/m 2000000Classic LOC 90% N/A895
Beirut Hellenic Bank 9.18% 10/m No MaxEquity Maximiser 80% Annual980
Qld Professional CU 8.15% Nil No MaxAmortising Equity Variable 90% N/A705
QT Mutual Bank 7.57% Nil No MaxHome Equity Loan Variable 85% N/A600
QT Mutual Bank 7.77% Nil No MaxHome Equity Overdraft Variable 80% N/A600
Queensland Country Credit Union
6.99% 100/a No MaxLine of Credit 80% Annual950
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 5REVOLVING LINE OF CREDITAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product Loan Review Period
Max LVRLoan Fees ($250k) Max Loan
UpfrontIn
tere
st
Capita
lisatio
n
Ongoing
Company MandatoryPayments Necessary
Spllit F
acility
REVOLVING LINE OF CREDIT
The Capricornian 7.39% Nil 1000000Mortgageline 95% N/A250
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 5REVOLVING LINE OF CREDITAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
"outstanding value"ANZ 6.66% 375/a 250000Breakfree Variable 250K to 500K 90%Both 0
Bank of Melbourne 6.70% 395/a 250000Advantage Package Variable 250K+ 95%Both 0
Bank of Melbourne 6.70% 395/a 250000Advantage Package Discount Variable 1 yr 250K+ 95%Both 0
bankmecu 6.58% Nil 10000Premium <499k 95%P+I 595
BankSA 6.72% 395/a 250000Advantage Package Variable 250K+ 95%Both 0
BOQ 6.76% Nil 250000Shareholder Benefits Standard Variable 250K+ 95%Both 375
Coastline Credit Union 6.51% 8/m 250000Minimiser Home Loan 90%P+I 755
Commonwealth Bank 6.66% 375/a 250000Wealth Package Standard Variable 250K to 500K 95%Both 200
ECU Australia 6.40% 30/m 250000Loyalty Plus Premium Variable 250K+ 95%Both 450
Greater Building Society 6.49% 325/a 0Ultimate Home Loan Package Variable 95%Both 0
HomeSide Lending 6.64% 10/m 250000Homeplus Package Homeplus Variable Rate 250K to 5 95%Both 162.5
Illawarra CU NSW 6.32% 8/m 30000Basic Home Loan 95%P+I 900
IMB 6.49% Nil 75000Budget Blue Home Loan 80%Both 768.74
IMB 6.29% 10/m 75000Budget Home Loan 80%Both 323.74
IMB 6.54% 360/a 200000Professional Mortgage Plus Variable 200K+ 80%Both 323.74
loans.com.au 6.40% Nil 50000Dream Loan Express Variable 80%Both 295
loans.com.au 6.50% Nil 50000The Dream Home Loan 95%Both 295
Macquarie Bank 6.49% 33/m 150000Premium Premium Variable 150K to 2M 90%Both 600
Macquarie Credit Union 6.21% Nil 10000First Home Buyers 3 yrs 95%P+I 420
nab 6.61% 750/a 250000Private Tailored Pkg Tailored Variable 250K+ 95%Both 0
nab 6.61% 395/a 250000Choice Package Tailored Variable 250K+ 95%Both 0
Newcastle Permanent 6.33% 350/a 250000Premium Plus Package Premium Variable 250K to 500 95%Both 0
Newcastle Permanent 6.31% Nil 50000Discounted Real Deal 3 yrs 95%Both 500
Pacific Mortgage Group 6.25% Nil 50000Variable 95%Both 0
Qantas Staff CU 6.49% Nil 150000Step Ahead Variable <499k 95%Both 0
Qld Police Credit Union 6.44% 25/m 100000Classic Plus Unlimited 97%Both 0
Select Credit Union 6.64% Nil 25000Super Mortgage Loan 95%Both 547
St George Bank 6.72% 395/a 250000Advantage Package Discount Variable 1 yr 250K+ 95%Both 100
St George Bank 6.72% 395/a 250000Advantage Package Variable 250K+ 95%Both 0
State Custodians 6.62% Nil 150000Breathe Easy Offset 95%Both 0
State Custodians 6.37% 345/a 151000Standard Variable Offset 95%Both 0
Suncorp Bank 6.40% 25/m 250000My Home Package Variable 250K+ 95%Both 0
V Plus Home Loans 6.23% 350/a 250000Advantage Plus Variable <899k 95%Both 50
Westpac 6.76% 395/a 250000Premier Advantage Rocket Repay Home Loan 250K+ 97%Both 150
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
"outstanding value"Yellow Brick Road 6.48% Nil 50000Better Basics 95%Both 600
Yellow Brick Road 6.44% Nil 250000Gold Pathway Variable 95%Both 600
A M O Group 6.68% Nil 10000Variable Home Loan 90%Both 1240
AMP Bank 6.57% Nil 100000Select Package Classic Variable 100K+ 90%Both 895
AMP Bank 6.57% Nil 100000Affinity Package Classic Variable 100K+ 90%Both 895
ANZ 6.56% Nil 50000Simplicity Plus Unlimited 90%Both 0
bankmecu 6.48% Nil 10000Premium First Home Buyer 95%P+I 595
BankSA 6.72% 395/a 250000Advantage Package Discount Variable 1 yr 250K+ 95%Both 0
BOQ 6.61% 375/a 250000Home Loan Privileges Standard Variable 250K to 1000 95%Both 0
Catalyst Mutual 6.45% Nil 250000Reward Rate 95%P+I 900
Collins Home Loans 6.32% Nil 150000Variable 90%Both 1025
Commonwealth Bank 6.71% 375/a 150000Wealth Package Discount Intro Variable 1 yr 150K+ 95%Both 200
Community CPS Australia 6.84% Nil 200000Pinnacle +Plus Pkg Variable 200K to 300K 95%Both 0
CUA 6.34% Nil 10000Intro Variable 1 yr 97%Both 795
CUA 6.72% Nil 250000Discounted Home Loan 97%Both 795
eMoney 6.38% Nil 50000Full Doc Variable 90%Both 275
Gateway Credit Union 6.63% Nil 50000Low Rate Essentials 95%Both 600
Greater Building Society 6.54% Nil No minGreat Rate Variable 95%Both 500
Heritage Bank 6.53% 300/a 250000Professional Package Variable 250K+ 95%Both 0
Homeloans 6.71% Nil 20000Monipower 95%Both 1066
Hume Building Society 6.85% Nil No minVariable 97%Both 750
Illawarra CU NSW 6.45% Nil 250000Reward Rate 95%P+I 900
Illawarra Home Loans 6.28% 345/a 250000Bank Beater 90%Both 0
IMB 6.79% Nil 200000Professional Mortgage Variable 200K+ 80%Both 323.74
ING DIRECT 6.84% 199/a 50000Orange Advantage Variable <299k 95%Both 220
LJ Hooker Finance 6.49% Nil 30000Leveredge Plus Var 90%Both 0
LJ Hooker Finance 6.65% Nil 30000Kick-Start Var 95%Both 0
LJ Hooker Finance 6.59% Nil 30000Leveredge 90%Both 0
loans.com.au 6.25% 375/a 50000Dream Catcher 80%Both 295
Macquarie Credit Union 6.71% Nil 10000Home Loan Variable 95%Both 800
Macquarie Credit Union 6.46% Nil 150000Low Rate Home Loan 95%P+I 820
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Mortgage HOUSE 6.61% Nil 10000Advantage Variable <649k 90%Both 595
Mortgage HOUSE 6.61% Nil 10000Peak Variable <649k 95%P+I 595
Mortgage HOUSE 6.56% Nil 10000Essential Offset Variable <649k 80%Both 570
Mortgageport Management 6.69% Nil 150000Essential 95%Both 1704
MyRate 6.45% Nil 100000Advantage Variable <599k 95%Both 0
Newcastle Permanent 6.56% 350/a 50000Premium Plus Package Real Deal 50K+ 95%Both 0
Newcastle Permanent 6.56% Nil 50000Real Deal 95%Both 500
People's Choice Credit Union 6.60% 375/a 250000Home Loan Package Standard Variable 250K to 500K 90%Both 0
Police Credit 6.49% 375/a 250000Premium Home Standard Variable 250K+ 95%Both 0
Qantas Staff CU 6.79% Nil No minHome Plus Variable 95%Both 600
Qld Police Credit Union 6.54% Nil 50000Classic 97%Both 876
Queenslanders CU 6.45% 100/a 250000Queenslanders Ultimate Home Loan 95%Both 0
RESI Mortgage Corp 6.69% Nil 30000Smart Pro Loan 95%Both 632.5
RESI Mortgage Corp 6.81% Nil 10000Flexi Options 95%Both 826.5
Teachers Credit Union 6.39% 200/a 250000Solutions Plus Home Loan 95%P+I 765
The Rock Building Soc 6.59% 350/a 100000Rock Star Pkg Variable Special <3m 90%Both 0
United Community 6.84% Nil 200000Pinnacle +Plus Pkg Variable 200K to 300K 95%Both 0
V Plus Home Loans 6.39% Nil 200000Basic Variable 90%Both 0
Yellow Brick Road 6.84% Nil 20000Homebase 95%Both 745
ADCU 6.69% Nil 100000Budget Home Loan 95%P+I 900
ADCU 7.04% Nil 30000Standard Variable Offset 95%P+I 900
Adelaide Bank 6.76% 10/m 10000Smartfit Variable 95%Both 895
Adelaide Bank 6.66% Nil 10000SmartSaver 90%Both 895
AMP Bank 6.42% 349/a 100000Professional Package Intro 1yr Variable 100K+ 90%Both 0
AMP Bank 6.57% 349/a 250000Professional Package Classic Variable 250K+ 90%Both 0
AMP Bank 6.62% Nil 40000Basic Variable Loan 90%Both 545
ANZ 7.36% 5/m 20000Variable 90%Both 0
Arab Bank Australia 6.84% 8/m 50000The Basics 95%P+I 600
Assured Home Loans 6.62% Nil 150000Fightback II 90%Both 1014.5
Austral Mortgage 6.76% Nil 50000Advantage Plus <499k 95%Both 1095
Bank of Cyprus Australia 7.35% 8/m 30000Essential 90%Both 1020
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Bank of Melbourne 6.82% Nil 30000Basic Variable 95%Both 600
Bank of Melbourne 6.70% 10/m 50000Discount Variable 1 yr 95%Both 700
Bank of Melbourne 6.73% Nil 30000Negotiated Basic Variable 95%Both 600
bankmecu 6.58% 8/m 10000Basic Variable 95%P+I 595
BankSA 6.72% 10/m 50000Discount Variable 1 yr 95%Both 700
BankSA 6.84% Nil 30000Basic Variable 95%Both 600
BankSA 6.75% Nil 30000Negotiated Basic Variable 95%Both 600
Bankstown City CU 6.73% Nil 25000Premium Home Loan 97%Both 1025
Bankstown City CU 6.44% Nil 10000Basic Home Loan 95%Both 1290
Bankwest 6.55% Nil 200000Premium Select <749k 90%Both 0
Bankwest 6.90% Nil 20000Rate Cutter Home Loan 95%Both 60
Bankwest 6.70% Nil 20000Premium Home Loan 95%Both 60
Bankwest 7.30% Nil 20000Mortgage Shredder 95%Both 60
bcu 6.75% Nil 10000Discount Variable Rate 95% 95%Both 600
bcu 6.45% Nil 10000Discount Variable Rate 95% 95%Both 600
Bendigo Bank 6.75% 8/m 250000Home Loan Package Plus Variable 250K+ 95%P+I 705
Bendigo Bank 6.95% 8/m 5000Home Loan Package Variable 5K+ 95%P+I 705
BMC Mortgage 6.78% Nil 50000Advantedge 95%Both 450
BMC Mortgage 6.73% Nil 50000Platinum Pack 90%Both 510
BOQ 6.88% 10/m No minEconomy 95%Both 695
CairnsPenny Savings&Loan 6.85% 15/q 20000Standard Variable 95%Both 660
Catalyst Mutual 6.99% Nil 30000Variable 95%P+I 900
Catalyst Mutual 6.32% 8/m 30000Basic Home Loan 95%P+I 900
Citibank 6.59% 350/a 150000Mortgage Plus Offset Variable 150K to 500K 80%Both 0
Citibank 6.59% 350/a 150000Mortgage Plus Variable 150K to 500K 80%Both 0
Citibank 6.62% Nil 50000Basic Variable 80%Both 649
Collins Home Loans 6.95% Nil 30000First Home Buyer Loan 95%Both 875
Collins Home Loans 6.66% Nil 30000Premium Variable 90%Both 1025
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Commonwealth Bank 7.41% 8/m 10000Standard Variable 95%Both 800
Commonwealth Bank 6.71% Nil 150000No Fee Variable Rate 95%Both 0
Commonwealth Bank 6.90% 8/m 10000Economiser 95%Both 800
Commonwealth Bank 6.90% 8/m 10000Rate Saver 95%Both 800
Commonwealth Bank 6.71% 8/m 10000Discount Intro Variable 1 yr 95%Both 800
Commonwealth Bank 6.69% Nil 10000Economiser Intro Variable 3 yrs 95%Both 800
Commonwealth Bank 6.69% Nil 10000Rate Saver Intro Variable 3 yrs 95%Both 800
Community CPS Australia 7.14% Nil 10000Parent Variable 95%Both 945
Community CPS Australia 6.44% 11/m 100000Basic Variable 95%P+I 795
Community CPS Australia 7.14% Nil 10000Variable 95%Both 795
Community First CU 6.65% 395/a 250000Accelerator Home Loan Package True Value Var Hl 25 95%Both 0
Community First CU 6.59% Nil 50000True Basic Home Loan 95%Both 1096
Community Mutual Group 7.14% Nil No minHome Loan Redidraw 95%Both 470
Community Mutual Group 6.89% Nil No minSustainable Home Loan 95%Both 470
Companion CU 7.14% Nil 10000Parent Variable 95%Both 945
Companion CU 7.14% Nil 10000Variable 95%Both 795
Companion CU 6.44% 11/m 100000Basic Variable 95%P+I 795
Credit Union SA 6.67% Nil 100000First Home Loan 95%P+I 0
Credit Union SA 6.97% Nil 5000Standard Variable <299k 95%Both 843.38
CUA 6.54% Nil 10000Basic Variable <5m 97%Both 795
Easy Street Fin Services 6.59% Nil 50000Easystreet Basic Var 95%P+I 500
ECU Australia 6.19% Nil 10000Easy Move 1 yr 95%Both 800
ECU Australia 7.00% Nil No minPremium Variable 95%Both 800
ECU Australia 6.19% Nil 150000Introductory Home Loan 1 yr 95%Both 800
eMoney 6.28% 330/a 50000Full Doc Variable Pro Pack 90%Both 550
Encompass Credit Union 6.25% Nil 100001yr Intro Rate Variable 1 yr 90%Both 930
Encompass Credit Union 6.59% Nil 100003yr Introductory Variable 3 yrs 90%Both 930
Encompass Credit Union 6.95% Nil No minMortgage Loan 95%Both 930
First Option CU 7.06% Nil 5000Mortgage Secured 95%Both 275
Gateway Credit Union 6.99% Nil 20000Variable 95%Both 745
Greater Building Society 7.10% 5/m No minMortgage Express 95%P+I 500
Greater Building Society 6.90% Nil No minVariable 95%Both 500
Hemisphere Financial 6.54% 345/a 150000Horizon Loan 95%Both 599
Hemisphere Financial 6.89% Nil 50000Home Loan 95%Both 599
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Heritage Bank 6.35% Nil 150000Discount Variable 95%P+I 850
Heritage Bank 6.94% 5/m 20000Variable 95%Both 600
Heritage Bank 6.53% Nil 50000Basic Variable 95%P+I 600
Holiday Coast CU 7.10% 320/a 50000Home Sweet Home Standard <399k 95%Both 535
Holiday Coast CU 6.85% 320/a 50000Home Sweet Home Platinum <399k 95%Both 535
Homeloans 6.64% Nil 50000ProSmart 95%Both 1041
Homeloans 6.64% Nil 30000Ultra 95%Both 966
HomeSide Lending 7.34% 10/m No minHomeplus Variable Rate 95%Both 162.5
Homestar Finance 6.63% Nil 150000Advantage Variable 95%Both 0
Homestar Finance 6.59% Nil 250000No Fee Offset 90%Both 0
Horizon Credit Union 6.60% 375/a 250000Platinum Loan Package Classic Home Loan 250K to 10 95%Both 0
Horizon Credit Union 6.70% 5/m 10000Mortgage Breaker 95%P+I 935
Horizon Credit Union 6.70% 5/m No minBasic Home Loan 95%Both 935
HSBC 6.77% Nil 100000Home Value 90%Both 100
HSBC 7.38% Nil 50000Variable 90%Both 850
Hume Building Society 6.55% Nil 50000Interest Saver 95%Both 750
Hunter United Credit Un 6.65% 295/a 250000Package Home Loan Variable 250K+ 95%P+I 0
Hunter United Credit Un 6.50% 5/m No minBasic Variable Unlimited 95%P+I 930
Illawarra CU NSW 6.99% Nil 30000Variable 95%P+I 900
IMB 7.09% Nil 10000Variable 80%Both 768.74
IMB 6.09% 10/m 10000Discount Intro Variable 1 yr 80%Both 768.75
ING DIRECT 6.72% Nil 50000Mortgage Simplifier <299k 95%Both 220
Intech Credit Union 7.06% Nil 30000Classic Home Loan 95%Both 935
LJ Hooker Finance 6.59% Nil 30000Kick-Start Plus Var 95%Both 0
Macarthur Credit Union 7.05% Nil No minHome Loan 95%Both 1323
Macquarie Bank 7.40% Nil 150000Premium Variable 90%Both 600
Macquarie Bank 6.59% Nil 150000Classic Classic IO Variable 150K to 2M 90%IO 600
Macquarie Bank 6.49% Nil 150000Classic P&I Variable 80%P+I 0
Macquarie Bank 6.59% Nil 150000Classic IO Variable 90%IO 600
Macquarie Credit Union 6.21% Nil 150000Power Home Loan 1 yr 95%Both 800
Maritime Mining & Power 7.04% Nil 30000All In One 90%Both 800
Maritime Mining & Power 6.78% Nil 30000First Rate 90%Both 500
Maritime Mining & Power 6.78% Nil 30000First Home Buyers 95%P+I 450
your guide to product excellence
Rates are correct as at 13th March 2012 Page 6 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
ME Bank 6.74% Nil 40000Var Super Member 95%P+I 300
ME Bank 6.49% 395/a 50000Member Package Ultimate Offset 50K+ 95%P+I 300
Mortgage HOUSE 6.49% 375/a 10000Vantage Offset Variable 90%Both 670
Mortgageport Management 6.80% Nil 150000Choice Home Loan 90%Both 2105
Mortgageport Management 7.04% Nil 150000Member Special 95%Both 879
nab 7.10% Nil 20000Base Variable Rate 95%Both 600
nab 7.31% 8/m 20000Tailored Variable 95%Both 600
nab 6.81% Nil 20000Base Variable Rate Discount 95%Both 600
Newcastle Permanent 7.18% Nil No minPremium Variable 95%Both 0
Newcastle Permanent 6.26% Nil No minIntro Variable 1 yr 95%Both 500
Newcastle Permanent 6.96% Nil No minReal Options 95%Both 500
Newcastle Permanent 6.96% 350/a 0Premium Plus Package Real Options 95%Both 0
Newcastle Permanent 6.26% 350/a 0Premium Plus Package Intro Variable 1 yr 95%Both 0
Northern Beaches CU 6.04% Nil 30000Introductory Home Loan 1 yr 95%P+I 1390
Northern Beaches CU 7.09% Nil 30000All in One 95%P+I 915
Northern Beaches CU 6.59% Nil 100000Minimiser Home Loan 95%P+I 915
People's Choice Credit Union 7.20% Nil 20000Standard Variable 90%Both 900
People's Choice Credit Union 6.68% Nil 30000Lite Basic Variable 95%Both 619
People's Choice Credit Union 6.62% 8/m 50000Basic Variable 95%Both 900
Police Credit 6.19% Nil 12000012m Discount Variable 1 yr 95%P+I 0
Police Credit 6.89% Nil 10000Standard Variable 95%Both 600
Police&NursesMut Banking 6.90% 5/m 20000Life Style Home Loan 95%P+I 650
Police&NursesMut Banking 6.90% 5/m 20000Easypay Variable 95%Both 650
Police&NursesMut Banking 6.61% 5/m 50000Dream Home Loan Var 95%Both 650
Qld Police Credit Union 7.09% Nil 50000Standard Variable 97%Both 876
Qld Professional CU 6.75% 10/m No minFriendly 95%Both 705
QT Mutual Bank 6.47% Nil 150000Smart Starter Extra Intro Rate Mortgage Breaker 1 yr 1 95%P+I 600
QT Mutual Bank 6.47% 25/m 150000Teachers' Life Intro Rate Mortgage Breaker 1 yr 150K+ 95%P+I 0
QT Mutual Bank 6.67% 25/m 250000Teachers' Life Mortgage Breaker 250K to 500K 95%P+I 0
QT Mutual Bank 6.67% Nil 250000Smart Starter Extra Mortgage Breaker 250K to 500K 95%P+I 600
QT Mutual Bank 6.67% 395/a 250000Choices Mortgage Breaker 250K to 500K 95%P+I 0
QT Mutual Bank 6.47% 395/a 150000Choices Intro Rate Mortgage Breaker 1 yr 150K+ 95%P+I 0
Queensland Country Credit Union
6.59% 330/a 150000Ultimate Home Loan Variable Rate 150K+ 95%Both 0
Queenslanders CU 6.68% Nil 50000Original Home Loan 95%Both 595
your guide to product excellence
Rates are correct as at 13th March 2012 Page 7 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Railways Credit Union 6.30% 5/m 50000Economy Home Loan Variable 80%P+I 450
RAMS Home Loans 7.28% Nil 15000Full Feature 95%Both 1020
Rate Busters 6.49% Nil 80000Fightback Premium Var 90%Both 855
RESI Mortgage Corp 6.49% Nil 30000Switch'n'Save Intro Variable 2 yrs 95%Both 632.5
RESI Mortgage Corp 7.10% Nil 30000Complete Home Loan 95%Both 632.5
SCU 6.59% Nil 25000Basic Home Loan 95%P+I 747
SCU 7.10% Nil 25000Standard Variable 95%Both 747
SERVICE ONE Members Bank
7.10% 8/m No minStandard Variable 97%Both 750
SERVICE ONE Members Bank
6.70% 8/m No minThe Base Variable 97%Both 750
SGE Credit Union 7.19% Nil 20000Mortgage Secured Loan 95%Both 1090
SGE Credit Union 7.19% Nil 20000Get Ahead Start Home Ln 95%P+I 1090
St George Bank 6.84% Nil 30000Basic Variable 95%Both 600
St George Bank 6.75% Nil 30000Negotiated Basic Variable 95%Both 600
St George Bank 6.72% 10/m 50000Discount Variable 1 yr 95%Both 700
Suncorp Bank 6.85% Nil 10000Back To Basics 95%Both 600
Sutherland Credit Union 6.80% Nil 50000Home Plus 95%P+I 1055
Teachers Credit Union 6.49% 200/a 150000Smart Home Loan 95%P+I 765
Teachers Credit Union 6.39% 200/a 250000Rewards Package Solutions Plus Home Loan 250K+ 95%P+I 765
Teachers Credit Union 7.04% Nil 25000Variable Loan IO 95%IO 715
Teachers Credit Union 6.79% Nil 100000My First Home Loan 98%P+I 0
Teachers Credit Union 6.49% 200/a 150000Rewards Package Smart Home Loan 150K+ 95%P+I 765
The Capricornian 6.45% 385/a 50000My First Home Loan Variable 50K to 750K 95%Both 0
The Capricornian 6.85% 385/a 50000My Advantage Variable 50K to 2M 95%Both 0
The Rock Building Soc 6.91% Nil 50000Advantage+ Variable 90%Both 800
The Rock Building Soc 6.84% 350/a 100000Rock Star Package Variable <3m 90%Both 0
TIO Banking 6.76% 399/a 250000Essentials Home Ln Pkg Essentials Variable 250K to 3 90%Both 0
UBank 6.23% Nil 100000UHomeLoan (for refinancing) 80%Both 0
Unicredit-WA 6.60% Nil No minVariable 95%Both 0
United Community 7.14% Nil 10000Variable 95%Both 795
United Community 7.14% Nil 10000Parent Variable 95%Both 945
United Community 6.44% 11/m 100000Basic Variable 95%P+I 795
Victoria Teachers Mutual Bank
6.49% Nil No minBasic Variable 95%P+I 0
Victoria Teachers Mutual Bank
6.99% Nil No minOffset Variable 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 8 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Wagga Mutual Credit Un 7.14% Nil 10000Parent Variable 95%Both 795
Wagga Mutual Credit Un 6.44% 11/m 100000Basic Variable 95%P+I 795
Wagga Mutual Credit Un 7.14% Nil 10000Variable 95%Both 795
Westpac 7.46% 8/m 10000Rocket Repay Home Loan 97%Both 750
Westpac 6.76% Nil 25000Flexi First Option 97%Both 750
AIMS Home Loans 7.25% Nil 50000Gold Variable 90%Both 660
AIMS Home Loans 6.71% Nil 150000Super Saver Discount Variable 1 yr 90%Both 660
AIMS Home Loans 7.07% 10/m 200000First Option Variable 90%Both 660
AMP Bank 7.42% 10/m 40000Classic Variable 90%Both 895
AMP Bank 6.42% 10/m 40000Intro 1yr Variable 90%Both 295
Aussie Home Loans 7.40% Nil 100000Optimizer Standard Variable 95%Both 100
B & E Personal Banking 6.82% Nil 150000TopLine Discount Variable <299k 95%P+I 650
Bank of Cyprus Australia 7.35% 6/m No minComplete 90%Both 770
Bank of Melbourne 7.40% 10/m 10000Variable 95%Both 700
BankSA 7.42% 10/m 10000Variable 95%Both 700
Bankwest 6.50% Nil 20000Super Start Home Loan 95%Both 60
Bankwest 6.30% Nil 20000Mortgage Shredder Intro Variable 1 yr 95%Both 60
Bankwest 7.18% Nil 20000Lite Home Loan 95%Both 60
bcu 7.15% Nil 10000Standard Variable 95%Both 600
Bendigo Bank 7.45% 8/m 5000Variable 95%P+I 705
BOQ 6.46% 10/m 5000First Start 1 yr 95%Both 845
BOQ 7.46% 10/m No minStandard Variable 95%Both 845
Circle Credit Co-op 7.15% Nil 50000Standard Variable 90%Both 1000
Citibank 7.62% 8/m 50000Offset Variable 85%Both 649
Coastline Credit Union 6.96% 8/m 100000Options Home Loan 90%P+I 755
Coastline Credit Union 7.26% Nil 15000No Fee Home Loan Variable 90%P+I 0
Collins Home Loans 7.35% Nil 50000First Home Buyer Low Deposit 95%P+I 732
Community First CU 7.15% Nil 10000True Value Var Hl 95%Both 1096
Community Mutual Group 7.14% Nil No minMortgage Breaker 95%P+I 470
Defence Bank 7.04% Nil 50000Flexi Choice Variable 95%P+I 400
Defence Bank 7.04% Nil 50000True Value Home Loan 95%P+I 1146
your guide to product excellence
Rates are correct as at 13th March 2012 Page 9 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
FCCS Credit Union 7.39% Nil 30000Value Plus Variable 95%Both 750
FCCS Credit Union 7.39% Nil 30000Variable 95%Both 750
FCCS Credit Union 6.69% 8/m 30000Value Home Loan 95%Both 750
Hemisphere Financial 7.29% Nil 50000Alt Doc Loan 80%Both 599
Hemisphere Financial 7.19% Nil 50000Quickstart Loan 95%P+I 599
Holiday Coast CU 7.35% 8/m 50000Live Life Standard <399k 95%Both 935
Holiday Coast CU 7.10% 8/m 50000Live Life Platinum <399k 95%Both 935
Holiday Coast CU 7.00% Nil 50000Keep It Simple Platinum <399k 95%Both 935
Horizon Credit Union 7.10% Nil No minClassic Home Loan 95%Both 0
HSBC 7.38% Nil 50000Home Smart 90%P+I 850
Hunter United Credit Un 7.04% 5/m No minVariable 95%P+I 930
ME Bank 7.04% Nil 50000Ultimate Super Member 95%P+I 300
ME Bank 7.49% Nil 50000Ultimate Offset 95%P+I 300
ME Bank 7.19% Nil 40000Variable 95%IO 300
Mortgageport Management 6.85% 330/a 250000April Special 90%Both 550
MyState 7.35% Nil 30000Variable 97%Both 952
MyState 6.98% Nil 150000Essentials 97%Both 850
Police Credit Union 6.91% Nil 30000Variable 95%Both 1045
QT Mutual Bank 7.27% Nil 20000Mortgage Breaker 95%P+I 644
QT Mutual Bank 6.85% Nil 150000Rate Tracker Home Loan Series 2 80% 95%P+I 644
QT Mutual Bank 6.47% Nil 125000Intro Rate Mortgage Breaker 1 yr 95%P+I 644
Queensland Country Credit Union
7.09% 5/m 10000Variable Rate 95%Both 950
Railways Credit Union 6.85% Nil 50000Home Mortgage Loan Variable 95%P+I 450
RESI Mortgage Corp 6.20% Nil 30000Low Start 1 yr 95%Both 1182.5
RTA Staff CU 7.14% Nil 10000Variable 95%P+I 1010
RTA Staff CU 6.89% Nil 100000Basic Variable 95%P+I 1010
SGE Credit Union 6.89% Nil 20000Affinity Standard Variable HL 95%Both 1090
SGE Credit Union 6.99% Nil 20000Affinity Mortgage Breaker Home Loan 95%Both 1090
St George Bank 7.42% 10/m 10000Variable 95%Both 700
Summerland CU 6.31% 8/m 75000First Start Intro Variable 1 yr 95%P+I 800
Summerland CU 6.71% 380/a 250000Premium 95%P+I 0
Summerland CU 7.38% 8/m 20000Mortgage Plus Loan 95%P+I 800
Summerland CU 6.81% 8/m 75000Family Advantage Intro Variable 1 yr 95%P+I 800
Summerland CU 7.06% 8/m 20000Eco Mortgage Loan 95%P+I 600
your guide to product excellence
Rates are correct as at 13th March 2012 Page 10 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
$250k
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Min Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Split Facility
Available
Porta
bility
VARIABLE RATE HOME LOAN
Redra
w
Suncorp Bank 7.43% 10/m 10000Variable 95%Both 600
Sutherland Credit Union 6.65% Nil 250000Home Basic 95%P+I 1055
Sutherland Credit Union 7.41% 8/a 50000Home In One Loan 95%P+I 1055
Teachers Credit Union 7.04% Nil 25000Flexi Choice 95%P+I 715
The Capricornian 7.35% Nil 10000Variable 95%Both 250
The Mutual 6.39% Nil 150000Intro Plus 3 yrs 90%P+I 500
The Mutual 6.59% Nil 50000Mutual 90%Both 300
The Mutual 6.94% Nil 20000Premium Variable 95%Both 0
The Rock Building Soc 7.59% 5/m 50000Variable 95%Both 800
TIO Banking 7.26% 10/m 10000Essentials Variable 90%Both 1180
Adelaide Bank 7.84% 10/m 10000Smartdoc Variable 80%Both 895
Arab Bank Australia 6.44% 8/m 50000HeadStart Intro Variable 6 mths 95%P+I 600
Arab Bank Australia 7.90% Nil 50000Standard Variable 95%Both 250
B & E Personal Banking 7.30% Nil No minVariable 95%P+I 650
Beirut Hellenic Bank 7.58% 10/m No minVariable 80%Both 1020
Citibank 7.62% 8/m 50000Variable 85%Both 649
Community CPS Australia 7.14% Nil 10000Bridging Home Loan 85%Both 795
Companion CU 7.14% Nil 10000Bridging Home Loan 85%Both 795
Holiday Coast CU 7.20% Nil 50000Keep It Simple Standard <399k 95%Both 935
Hunter United Credit Un 6.90% Nil 150000Interest Only 90%IO 880
Macquarie Credit Union 9.10% Nil 10000Property Secured Loan 95%Both 100
Qld Professional CU 7.60% Nil No minVariable 95%Both 705
Queenslanders CU 7.29% 8/m 50000Standard Variable Rate 90%P+I 595
Summerland CU 7.71% 10/m 20000Equity Extra 80%Both 800
Summerland CU 7.31% 8/m 20000Home Loan Plus 95%P+I 800
United Community 7.14% Nil 10000Bridging Home Loan 85%Both 795
Wagga Mutual Credit Un 7.14% Nil 10000Bridging Home Loan 85%Both 795
your guide to product excellence
Rates are correct as at 13th March 2012 Page 11 of 11RESIDENTIAL VARIABLE HOME LOANAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
1 YEAR FIXED RATE HOME LOAN
"outstanding value"ANZ 6.29% 10/m No MaxResidential 1yr Fixed 1 yr 90%Both 0
ANZ 6.14% 375/a No MaxBreakfree Residential 1yr Fixe 90%Both 0
Greater Building Society 6.20% Nil No MaxGreat Rate Fixed 1 yr 95%Both 500
Heritage Bank 6.05% 5/m No MaxResidential Fixed 1 yr 95%Both 600
Heritage Bank 6.05% 300/a No MaxProfessional Package Reside 95%Both 0
HomeSide Lending 6.09% 10/m No MaxHomeplus Fixed Rate 1 yr 95%Both 162.5
ING DIRECT 6.14% Nil 2000000Residential Fixed 1 yr 95%Both 719
Macquarie Bank 6.19% Nil 2000000Premium Fixed 1 yr 90%Both 600
Newcastle Permanent 5.99% 350/a No MaxPremium Plus Package Resid 95%Both 0
Newcastle Permanent 5.99% Nil No MaxResidential Fixed 1 yr 95%Both 500
The Rock Building Soc 6.19% 5/m 3000000Residential Fixed 1 yr 95%Both 800
V Plus Home Loans 5.69% 8/m 2000000Advantage Plus Fixed 1 yr 95%Both 649
A M O Group 6.39% Nil 1000000Residential Fixed 1 yr 90%Both 1240
AMP Bank 5.94% Nil No MaxAffinity Package Residential Fi 90%Both 895
AMP Bank 5.99% Nil No MaxSelect Package Residential Fi 90%Both 895
Austral Mortgage 6.59% Nil 5000000Advantage Plus Fixed 1 yr 95%Both 1095
Catalyst Mutual 6.19% Nil No MaxResidential Fixed 1 yr 95%Both 900
Community CPS Australia 6.14% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
CUA 5.95% Nil 5000000Residential Fixed 1 yr 80%Both 795
ECU Australia 6.19% Nil No MaxPremium Fixed 1 yr 95%Both 800
FCCS Credit Union 6.45% Nil No MaxValue Plus Fixed 1 yr 95%Both 1025
Greater Building Society 6.55% Nil No MaxStandard Fixed 1 yr 95%Both 500
Homestar Finance 6.10% Nil 2000000Advantage Fixed 1 yr 95%Both 0
Illawarra CU NSW 6.19% Nil No MaxResidential Fixed 1 yr 95%Both 900
IMB 5.99% Nil No MaxProfessional Mortgage Reside 80%Both 323.74
Macquarie Bank 6.19% Nil 2000000Classic P&I Fixed 1 yr 90%P+I 0
ME Bank 5.99% Nil No MaxSuper Member Fixed 1 yr 95%P+I 300
Mortgage HOUSE 6.17% Nil 2500000Advantage Fixed 1 yr 90%Both 595
nab 6.09% 395/a No MaxChoice Package Standard Fix 95%Both 0
nab 6.19% 8/m No MaxStandard Fixed 1 yr 95%Both 600
United Community 6.14% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
V Plus Home Loans 5.92% 8/m 2000000Basic Fixed 1 yr 90%Both 649
Victoria Teachers Mutual Ba 6.09% Nil No MaxOffset Fixed 1 yr 95%IO 0
Victoria Teachers Mutual Ba 6.09% Nil No MaxBasic Fixed 1 yr 95%P+I 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 4RESIDENTIAL 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
1 YEAR FIXED RATE HOME LOAN
Adelaide Bank 6.61% 10/m No MaxSmartsuite Fixed ** 1 yr 95%Both 895
AMP Bank 6.09% Nil 2000000Residential Fixed 1 yr 90%Both 545
AMP Bank 6.09% 349/a 2000000Professional Package Reside 90%Both 0
Aussie Home Loans 6.29% Nil 2000000Optimizer Fixed 1 yr 95%Both 700
Bank of Melbourne 6.14% 395/a No MaxAdvantage Package Residenti 95%Both 0
Bank of Melbourne 6.29% 10/m 1000000Residential Fixed 1 yr 95%Both 700
bankmecu 5.99% Nil No MaxResidential Fixed 1 yr 95%P+I 595
BankSA 6.29% 10/m No MaxResidential Fixed 1 yr 95%Both 700
BankSA 6.14% 395/a No MaxAdvantage Package Residenti 95%Both 0
bcu 6.19% Nil 7000000Residential Fixed 1 yr 95%Both 600
BOQ 6.19% 375/a No MaxHome Loan Privileges Reside 95%Both 0
BOQ 6.19% 10/m No MaxResidential Fixed 1 yr 95%Both 845
BOQ 6.19% Nil No MaxShareholder Benefits Resident 95%Both 375
Citibank 6.29% 8/m 4000000Standard Fixed 1 yr 85%Both 649
Coastline Credit Union 6.19% Nil No MaxResidential Fixed 1 yr 90%P+I 755
Commonwealth Bank 6.29% 8/m No MaxResidential Fixed 1 yr 95%Both 800
Commonwealth Bank 6.14% 375/a No MaxWealth Package Residential F 95%Both 200
Community CPS Australia 6.29% Nil 2000000Residential Fixed 1 yr 95%Both 795
Community CPS Australia 6.29% Nil 1000000Parent Fixed 1 yr 95%Both 945
Community First CU 6.29% Nil 1000000True Fixed 1 yr 95%Both 1096
Companion CU 6.29% Nil 1000000Parent Fixed 1 yr 95%Both 945
Companion CU 6.29% Nil 2000000Residential Fixed 1 yr 95%Both 795
Credit Union SA 6.15% Nil No MaxStandard 1yr Fixed 1 yr 90%Both 343.38
CUA 6.19% Nil 5000000Residential Premium Fixed 1 y 97%Both 795
Encompass Credit Union 6.20% Nil 1000000Residential Fixed 1 yr 95%Both 930
FCCS Credit Union 6.60% Nil No MaxValue Plus IO Fixed 1 yr 95%IO 1025
Gateway Credit Union 6.47% Nil No MaxResidential Fixed 1 yr 95%Both 745
Homeloans 6.44% Nil 2000000ProSmart Fixed 1 yr 95%Both 1041
Homeloans 6.81% Nil 3500000MoniPower Fixed 1 yr 95%Both 1066
Horizon Credit Union 6.19% Nil No MaxResidential Fixed 1 yr 95%Both 935
HSBC 6.09% Nil 7500000Residential Fixed 1 yr 90%Both 850
Hume Building Society 6.25% Nil No MaxResidential Fixed 1 yr 95%Both 750
IMB 6.09% 6/m No MaxResidential Fixed 1 yr 80%Both 768.74
IMB 5.99% 360/a No MaxProfessional Mortgage Plus R 80%Both 323.74
Macarthur Credit Union 6.39% Nil No MaxStandard Fixed 1 yr 95%Both 1323
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 4RESIDENTIAL 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
1 YEAR FIXED RATE HOME LOAN
Macquarie Bank 6.19% Nil 2000000Classic IO Fixed 1 yr 90%IO 600
Macquarie Bank 6.19% 33/m 2000000Premium Premium Fixed 1 yr 90%Both 600
MyRate 6.20% Nil 2000000Residential Fixed 1 yr 95%Both 0
nab 6.19% 750/a No MaxPrivate Tailored Pkg Tailored 95%IO 0
nab 6.19% 395/a No MaxChoice Package Tailored Fixe 95%IO 0
nab 6.09% 750/a No MaxPrivate Tailored Pkg Standard 95%Both 0
nab 6.29% 8/m No MaxTailored Fixed IO 1 yr 95%IO 600
People's Choice Credit Union 6.21% Nil 1000000Lite Fixed 1 yr 95%Both 619
Police Credit 5.99% Nil 1800000Fixed 1 yr 95%Both 600
Qld Police Credit Union 6.19% Nil No MaxResidential Fixed 1 yr 97%Both 876
QT Mutual Bank 6.19% Nil No MaxResidential Fixed 1 yr 95%P+I 644
Queensland Country Credit 6.25% 330/a No MaxUltimate Home Loan Fixed Ra 95%Both 0
Queensland Country Credit 6.25% 5/m No MaxFixed Rate 1 yr 95%Both 950
RAMS Home Loans 6.19% 20/m No MaxFixed Rate 1 yr 95%Both 1020
RESI Mortgage Corp 6.34% Nil 2000000Smart Pro Fixed 1 yr 95%Both 632.5
SERVICE ONE Members Ba 6.35% 8/m No MaxResidential Fixed 1 yr 97%Both 750
SGE Credit Union 5.99% Nil 2000000Residential Fixed 1 yr 95%Both 1090
St George Bank 6.29% 10/m No MaxResidential Fixed 1 yr 95%Both 700
St George Bank 6.14% 395/a No MaxAdvantage Package Residenti 95%Both 0
Suncorp Bank 6.15% 10/m No MaxResidential Fixed 1 yr 95%Both 600
Suncorp Bank 6.15% 25/m No MaxMy Home Package Residentia 95%Both 0
Teachers Credit Union 6.18% Nil 5000000Option Fixed 1 yr 95%P+I 715
Teachers Credit Union 6.18% Nil 5000000Standard Fixed IO 1 yr 95%IO 715
The Mutual 6.09% Nil No MaxPremium Fixed 1 yr 95%Both 300
UBank 5.93% Nil 1000000UHomeLoan Fixed (for refinan 80%Both 0
Unicredit-WA 6.05% Nil No MaxResidential Fixed 1 yr 95%Both 0
United Community 6.29% Nil 1000000Parent Fixed 1 yr 95%Both 945
United Community 6.29% Nil 2000000Residential Fixed 1 yr 95%Both 795
Wagga Mutual Credit Un 6.29% Nil 1000000Parent Fixed 1 yr 95%Both 945
Wagga Mutual Credit Un 6.29% Nil 2000000Residential Fixed 1 yr 95%Both 795
Westpac 6.49% 8/m No MaxFixed Options 1 yr 95%Both 600
Westpac 6.29% 395/a No MaxPremier Advantage Fixed Opti 95%Both 0
Yellow Brick Road 6.37% Nil 2000000Gold Pathway Fixed 1 yr 95%Both 600
Yellow Brick Road 6.47% Nil 2000000Futureproof Fixed 1 yr 95%Both 745
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 4RESIDENTIAL 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
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Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
1 YEAR FIXED RATE HOME LOAN
AIMS Home Loans 6.65% 10/m 750000First Option Fixed 1 yr 90%Both 660
AIMS Home Loans 6.65% Nil 1000000Residential Fixed 1 yr 90%Both 660
Arab Bank Australia 6.69% 8/m No MaxResidential Fixed 1 yr 95%Both 250
Bank of Cyprus Australia 6.99% 6/m 5000000Standard Fixed 1 yr 90%Both 1020
Bankwest 6.69% 12/m No MaxResidential Fixed 1 yr 95%Both 760
Beirut Hellenic Bank 6.45% 10/m No MaxResidential Fixed 1 yr 80%Both 980
Bendigo Bank 6.29% 8/m No MaxResidential Fixed 1 yr 95%P+I 705
Big Sky Building Society 6.34% Nil 600000Residential Fixed 1 yr 95%P+I 610
CairnsPenny Savings&Loan 6.35% 15/q 1000000Standard Fixed 1 yr 95%P+I 660
Collins Home Loans 6.84% Nil 2000000Residential Fixed 1 yr 90%Both 1025
Community Mutual Group 6.29% Nil 1000000Steady Rate HLn Fixed 1 yr 95%P+I 470
First Option CU 6.80% Nil 1000000Residential Fixed 1 yr 95%P+I 275
Hemisphere Financial 6.69% Nil 1000000Alt Doc Fixed 1 yr 80%Both 599
Hemisphere Financial 6.59% Nil 1000000Quickstart Fixed 1 yr 95%P+I 599
Hemisphere Financial 6.29% Nil 1000000Standard Fixed 1 yr 95%Both 599
Holiday Coast CU 6.29% Nil No MaxFixed N Easy 1 yr 95%Both 535
Homeloans 6.39% Nil 2000000Ultra Fixed 1 yr 95%Both 966
Maritime Mining & Power 6.33% Nil No MaxStandard Fixed 1 yr 90%Both 1100
ME Bank 6.49% Nil No MaxResidential Fixed 1 yr 95%P+I 300
Mortgage HOUSE 7.20% Nil No MaxPeak Fixed 1 yr 95%P+I 595
Mortgage HOUSE 7.20% Nil No MaxEssential Offset Fixed 1 yr 80%Both 595
MyState 6.59% Nil 1000000Residential Fixed 1 yr 95%P+I 952
People's Choice Credit Union 6.29% 8/m No MaxResidential Fixed 1 yr 95%Both 900
Qantas Staff CU 6.59% Nil No MaxOptions Fixed 1 yr 95%Both 600
State Custodians 6.32% Nil 1000000Standard Fixed 1 yr 95%Both 0
Summerland CU 6.19% 8/m No MaxStandard Fixed 1 yr 95%Both 800
TIO Banking 6.14% Nil No MaxEssentials Home Ln Pkg Esse 90%Both 0
TIO Banking 6.14% 10/m No MaxEssentials Fixed 1 yr 90%Both 1180
Adelaide Bank 7.61% 10/m 2000000Smartdoc Fixed 1 yr 80%Both 895
B & E Personal Banking 6.99% Nil No MaxDiscounted Fixed 1 yr 95%P+I 650
B & E Personal Banking 7.19% 10/m No MaxResidential Fixed 1 yr 95%P+I 650
Hunter United Credit Un 6.99% 5/m No MaxFixed 1 yr 95%P+I 930
Mortgage HOUSE 7.23% 375/a 750000Vantage Offset Fixed 1 yr 80%P+I 670
Northern Beaches CU 7.09% Nil No MaxInterest Only Fixed 1 yr 95%IO 915
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 4RESIDENTIAL 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
2 YEAR FIXED RATE HOME LOAN
"outstanding value"AMP Bank 5.99% Nil No MaxAffinity Package Residential Fi 90%Both 895
ANZ 6.19% 375/a No MaxBreakfree Residential Fixed 2 90%Both 0
ANZ 6.34% 10/m No MaxResidential Fixed 2 yrs 90%Both 0
FCCS Credit Union 6.45% Nil No MaxValue Plus Fixed 2 yrs 95%Both 1025
Greater Building Society 6.30% Nil No MaxGreat Rate Fixed 2 yrs 95%Both 500
Heritage Bank 6.09% 5/m No MaxResidential Fixed 2 yrs 95%Both 600
IMB 5.90% Nil No MaxProfessional Mortgage Reside 80%Both 323.74
ING DIRECT 6.14% Nil 2000000Residential Fixed 2 yrs 95%Both 719
Macquarie Bank 6.19% Nil 2000000Premium Fixed 2 yrs 90%Both 600
Mortgage HOUSE 6.28% Nil 2500000Advantage Fixed 2 yrs 90%Both 595
Newcastle Permanent 5.99% Nil No MaxResidential Fixed 2 yrs 95%Both 500
Newcastle Permanent 5.99% 350/a No MaxPremium Plus Package Resid 95%Both 0
V Plus Home Loans 5.69% 8/m 2000000Advantage Plus Fixed 2 yrs 95%Both 649
AMP Bank 6.04% Nil No MaxSelect Package Residential Fi 90%Both 895
Austral Mortgage 6.59% Nil 5000000Advantage Plus Fixed 2 yrs 95%Both 1095
Bank of Melbourne 5.99% 395/a No MaxAdvantage Package Residenti 95%Both 0
BankSA 5.99% 395/a No MaxAdvantage Package Residenti 95%Both 0
Catalyst Mutual 6.14% Nil No MaxResidential Fixed 2 yrs 95%Both 900
Commonwealth Bank 6.19% 375/a No MaxWealth Package Residential F 95%Both 200
Community CPS Australia 6.14% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
CUA 5.95% Nil 5000000Residential Fixed 2 yrs 80%Both 795
Heritage Bank 6.09% 300/a No MaxProfessional Package Reside 95%Both 0
HomeSide Lending 6.19% 10/m No MaxHomeplus Fixed Rate 2 yrs 95%Both 162.5
Illawarra CU NSW 6.14% Nil No MaxResidential Fixed 2 yrs 95%Both 900
loans.com.au 5.99% Nil 750000Dream Loan Express Fixed 2 80%Both 295
Macquarie Bank 6.19% Nil 2000000Classic P&I Fixed 2 yrs 90%P+I 0
nab 6.29% 8/m No MaxStandard Fixed 2 yrs 95%Both 600
Pacific Mortgage Group 5.94% Nil 2000000Residential Fixed 2 yrs 95%P+I 0
SCU 5.98% Nil No MaxResidential Fixed 2 yrs 95%Both 747
SERVICE ONE Members Ba 6.15% 8/m No MaxResidential Fixed 2 yrs 97%Both 750
St George Bank 5.99% 395/a No MaxAdvantage Package Residenti 95%Both 0
Suncorp Bank 6.19% 10/m No MaxResidential Fixed 2 yrs 95%Both 600
The Rock Building Soc 6.13% 5/m 3000000Residential Fixed 2 yrs 95%Both 800
United Community 6.14% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 5RESIDENTIAL 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
2 YEAR FIXED RATE HOME LOAN
V Plus Home Loans 6.09% 8/m 2000000Basic Fixed 2 yrs 90%Both 649
Victoria Teachers Mutual Ba 6.09% Nil No MaxOffset Fixed 2 yrs 95%IO 0
A M O Group 6.49% Nil 1000000Residential Fixed 2 yrs 90%Both 1240
Adelaide Bank 6.57% 10/m No MaxSmartsuite Fixed ** 2 yrs 95%Both 895
AMP Bank 6.14% Nil 2000000Residential Fixed 2 yrs 90%Both 545
AMP Bank 6.14% 349/a 2000000Professional Package Reside 90%Both 0
Aussie Home Loans 6.29% Nil 2000000Optimizer Fixed 2 yrs 95%Both 700
Bank of Melbourne 6.14% 10/m 1000000Residential Fixed 2 yrs 95%Both 700
bankmecu 6.29% Nil No MaxResidential Fixed 2 yrs 95%P+I 595
BankSA 6.14% 10/m No MaxResidential Fixed 2 yrs 95%Both 700
Bankwest 6.69% 12/m No MaxResidential Fixed 2 yrs 95%Both 760
bcu 6.19% Nil 7000000Residential Fixed 2 yrs 95%Both 600
Bendigo Bank 6.24% 8/m No MaxResidential Fixed 2 yrs 95%P+I 705
BOQ 6.19% 10/m No MaxResidential Fixed 2 yrs 95%Both 845
BOQ 6.19% Nil No MaxShareholder Benefits Resident 95%Both 375
BOQ 6.19% 375/a No MaxHome Loan Privileges Reside 95%Both 0
Citibank 6.29% 8/m 4000000Standard Fixed 2 yrs 85%Both 649
Commonwealth Bank 6.34% 8/m No MaxResidential Fixed 2 yrs 95%Both 800
Community CPS Australia 6.29% Nil 1000000Parent Fixed 2 yrs 95%Both 945
Community CPS Australia 6.29% Nil 2000000Residential Fixed 2 yrs 95%Both 795
Community First CU 6.29% Nil 1000000True Fixed 2 yrs 95%Both 1096
Companion CU 6.29% Nil 2000000Residential Fixed 2 yrs 95%Both 795
Companion CU 6.29% Nil 1000000Parent Fixed 2 yrs 95%Both 945
Credit Union SA 6.24% Nil No MaxStandard Fixed 2 yrs 95%Both 843.38
CUA 6.19% Nil 5000000Residential Premium Fixed 2 y 97%Both 795
Easy Street Fin Services 6.29% Nil 1000000Easy Street Fixed 2 yrs 95%P+I 500
ECU Australia 6.19% Nil No MaxPremium Fixed 2 yrs 95%Both 800
eMoney 6.17% Nil 1000000Fixed Home Loan 2 yrs 90%Both 275
Encompass Credit Union 6.20% Nil 1000000Residential Fixed 2 yrs 95%Both 930
FCCS Credit Union 6.60% Nil No MaxValue Plus IO Fixed 2 yrs 95%IO 1025
Greater Building Society 6.65% Nil No MaxStandard Fixed 2 yrs 95%Both 500
Holiday Coast CU 6.09% Nil No MaxFixed N Easy 2 yrs 95%Both 535
Homeloans 6.44% Nil 2000000ProSmart Fixed 2 yrs 95%Both 1041
Homeloans 6.67% Nil 3500000MoniPower Fixed 2 yrs 95%Both 1066
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 5RESIDENTIAL 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
2 YEAR FIXED RATE HOME LOAN
Homestar Finance 6.20% Nil 2000000Advantage Fixed 2 yrs 95%Both 0
Horizon Credit Union 6.19% Nil No MaxResidential Fixed 2 yrs 95%Both 935
HSBC 6.09% Nil 7500000Residential Fixed 2 yrs 90%Both 850
Hume Building Society 6.20% Nil No MaxResidential Fixed 2 yrs 95%Both 750
IMB 5.90% 6/m No MaxResidential Fixed 2 yrs 80%Both 768.74
IMB 5.90% 360/a No MaxProfessional Mortgage Plus R 80%Both 768.74
LJ Hooker Finance 6.18% 396/a 2000000Kick-Start Plus Fix 2 yrs 95%Both 75
LJ Hooker Finance 6.38% Nil 2000000Kick-Start Fix 2 yrs 95%Both 75
Macarthur Credit Union 6.49% Nil No MaxStandard Fixed 2 yrs 95%Both 1323
Macquarie Bank 6.19% Nil 2000000Classic IO Fixed 2 yrs 90%IO 600
Macquarie Bank 6.19% 33/m 2000000Premium Premium Fixed 2 yrs 90%Both 600
Maritime Mining & Power 6.18% Nil No MaxStandard Fixed 2 yrs 90%Both 1100
MyRate 6.30% Nil 2000000Residential Fixed 2 yrs 95%Both 0
nab 6.29% 750/a No MaxPrivate Tailored Pkg Tailored 95%IO 0
nab 6.19% 395/a No MaxChoice Package Standard Fix 95%Both 0
nab 6.19% 750/a No MaxPrivate Tailored Pkg Standard 95%Both 0
nab 6.39% 8/m No MaxTailored Fixed IO 2 yrs 95%IO 600
nab 6.29% 395/a No MaxChoice Package Tailored Fixe 95%IO 0
People's Choice Credit Union 6.36% Nil 1000000Lite Fixed 2 yrs 95%Both 619
Police Credit 5.99% Nil 1800000Fixed 2 yrs 95%Both 600
QT Mutual Bank 6.19% Nil No MaxResidential Fixed 2 yrs 95%P+I 644
Queensland Country Credit 6.14% 330/a No MaxUltimate Home Loan Fixed Ra 95%Both 0
Queensland Country Credit 6.14% 5/m No MaxFixed Rate 2 yrs 95%Both 950
RAMS Home Loans 6.19% 20/m No MaxFixed Rate 2 yrs 95%Both 1020
RESI Mortgage Corp 6.09% Nil 2000000Flexi Fix 2 yrs 95%Both 632.5
SGE Credit Union 6.09% Nil 2000000Residential Fixed 2 yrs 95%Both 1090
St George Bank 6.14% 10/m No MaxResidential Fixed 2 yrs 95%Both 700
Suncorp Bank 6.19% 25/m No MaxMy Home Package Residentia 95%Both 0
Teachers Credit Union 6.18% Nil 5000000Standard Fixed IO 2 yrs 95%IO 715
Teachers Credit Union 6.18% Nil 5000000Option Fixed 2 yrs 95%P+I 715
TIO Banking 6.14% Nil No MaxEssentials Home Ln Pkg Esse 90%Both 0
Unicredit-WA 6.05% Nil No MaxResidential Fixed 2 yrs 95%Both 0
United Community 6.29% Nil 2000000Residential Fixed 2 yrs 95%Both 795
United Community 6.29% Nil 1000000Parent Fixed 2 yrs 95%Both 945
Victoria Teachers Mutual Ba 6.09% Nil No MaxBasic Fixed 2 yrs 95%P+I 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 5RESIDENTIAL 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
2 YEAR FIXED RATE HOME LOAN
Wagga Mutual Credit Un 6.29% Nil 2000000Residential Fixed 2 yrs 95%Both 795
Wagga Mutual Credit Un 6.29% Nil 1000000Parent Fixed 2 yrs 95%Both 945
Westpac 6.29% 395/a No MaxPremier Advantage Fixed Opti 95%Both 0
Westpac 6.49% 8/m No MaxFixed Options 2 yrs 95%Both 600
Yellow Brick Road 6.37% Nil 2000000Gold Pathway Fixed 2 yrs 95%Both 600
AIMS Home Loans 6.59% Nil 1000000Residential Fixed 2 yrs 90%Both 660
AIMS Home Loans 6.59% 10/m 750000First Option Fixed 2 yrs 90%Both 660
Arab Bank Australia 6.49% 8/m No MaxResidential Fixed 2 yrs 95%Both 250
B & E Personal Banking 6.49% Nil No MaxDiscounted Fixed 2 yrs 95%P+I 650
B & E Personal Banking 6.69% 10/m No MaxResidential Fixed 2 yrs 95%P+I 650
Bank of Cyprus Australia 6.99% 6/m 5000000Standard Fixed 2 yrs 90%Both 1020
Big Sky Building Society 6.29% Nil 600000Residential Fixed 2 yrs 95%P+I 610
CairnsPenny Savings&Loan 6.35% 15/q 1000000Standard Fixed 2 yrs 95%P+I 660
Coastline Credit Union 6.19% Nil No MaxResidential Fixed 2 yrs 90%P+I 755
Community Mutual Group 6.29% Nil 1000000Steady Rate HLn Fixed 2 yrs 95%P+I 470
Defence Bank 6.50% Nil 1500000Flexi Choice Fixed 2 yrs 95%P+I 400
First Option CU 6.85% Nil 1000000Residential Fixed 2 yrs 95%P+I 275
Gateway Credit Union 6.47% Nil No MaxResidential Fixed 2 yrs 95%Both 745
Hemisphere Financial 6.22% Nil 1000000Standard Fixed 2 yrs 95%Both 599
Hemisphere Financial 6.52% Nil 1000000Quickstart Fixed 2 yrs 95%P+I 599
Homeloans 6.54% Nil 2000000Ultra Fixed 2 yrs 95%Both 966
Hunter United Credit Un 6.39% 5/m No MaxFixed 2 yrs 95%P+I 930
LJ Hooker Finance 6.33% Nil 2000000Leveredge Fix 2 yrs 90%P+I 0
LJ Hooker Finance 6.23% Nil 2000000Leveredge Plus Fix 2 yrs 90%P+I 0
Mortgage HOUSE 7.30% Nil No MaxPeak Fixed 2 yrs 95%P+I 595
Mortgage HOUSE 7.30% Nil No MaxEssential Offset Fixed 2 yrs 80%Both 595
MyState 6.49% Nil 1000000Residential Fixed 2 yrs 95%P+I 952
People's Choice Credit Union 6.29% 8/m No MaxResidential Fixed 2 yrs 95%Both 900
Qantas Staff CU 6.59% Nil No MaxOptions Fixed 2 yrs 95%Both 600
Summerland CU 6.39% 8/m No MaxStandard Fixed 2 yrs 95%Both 800
The Mutual 6.24% Nil No MaxPremium Fixed 2 yrs 95%Both 300
TIO Banking 6.14% 10/m No MaxEssentials Fixed 2 yrs 90%Both 1180
Yellow Brick Road 6.47% Nil 2000000Futureproof Fixed 2 yrs 95%Both 745
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 5RESIDENTIAL 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
Redra
w
Ava
ilable
2 YEAR FIXED RATE HOME LOAN
Adelaide Bank 7.57% 10/m 2000000Smartdoc Fixed 2 yrs 80%Both 895
Beirut Hellenic Bank 6.50% 10/m No MaxResidential Fixed 2 yrs 80%Both 980
Collins Home Loans 7.30% Nil 2000000Residential Fixed 2 yrs 90%Both 1025
Hemisphere Financial 6.62% Nil 1000000Alt Doc Fixed 2 yrs 80%Both 599
Mortgage HOUSE 7.48% 375/a 750000Vantage Offset Fixed 2 yrs 80%P+I 670
Mortgageport Management 6.97% Nil 20000002 Year Fixed 2 yrs 90%Both 1235
State Custodians 6.25% Nil 1000000Standard Fixed 2 yrs 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 5RESIDENTIAL 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE HOME LOAN
"outstanding value"AMP Bank 6.04% Nil No MaxAffinity Package Residential Fi 90%Both 895
AMP Bank 6.09% Nil No MaxSelect Package Residential Fi 90%Both 895
ANZ 6.33% 375/a No MaxBreakfree Residential Fixed 3 90%Both 0
BOQ 5.99% Nil No MaxShareholder Benefits Resident 95%Both 375
CUA 5.95% Nil 5000000Residential Fixed 3 yrs 80%Both 795
Heritage Bank 6.15% 5/m No MaxResidential Fixed 3 yrs 95%Both 600
Heritage Bank 6.15% 300/a No MaxProfessional Package Reside 95%Both 0
ING DIRECT 6.29% Nil 2000000Residential Fixed 3 yrs 95%Both 719
Macquarie Bank 6.19% Nil 2000000Premium Fixed 3 yrs 90%Both 600
Newcastle Permanent 6.14% 350/a No MaxPremium Plus Package Resid 95%Both 0
Newcastle Permanent 6.14% Nil No MaxResidential Fixed 3 yrs 95%Both 500
Pacific Mortgage Group 6.09% Nil 2000000Residential Fixed 3 yrs 95%P+I 0
Qld Police Credit Union 6.09% Nil No MaxResidential Fixed 3 yrs 97%Both 876
The Rock Building Soc 6.19% 5/m 3000000Residential Fixed 3 yrs 95%Both 800
AMP Bank 6.19% Nil 2000000Residential Fixed 3 yrs 90%Both 545
Bank of Melbourne 6.09% 395/a No MaxAdvantage Package Residenti 95%Both 0
BankSA 6.09% 395/a No MaxAdvantage Package Residenti 95%Both 0
BOQ 5.99% 10/m No MaxResidential Fixed 3 yrs 95%Both 845
BOQ 5.99% 375/a No MaxHome Loan Privileges Reside 95%Both 0
Catalyst Mutual 6.24% Nil No MaxResidential Fixed 3 yrs 95%Both 900
Community CPS Australia 6.14% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
Encompass Credit Union 6.20% Nil 1000000Residential Fixed 3 yrs 95%Both 930
FCCS Credit Union 6.55% Nil No MaxValue Plus Fixed 3 yrs 95%Both 1025
Greater Building Society 6.30% Nil No MaxGreat Rate Fixed 3 yrs 95%Both 500
HomeSide Lending 6.33% 10/m No MaxHomeplus Fixed Rate 3 yrs 95%Both 162.5
Homestar Finance 6.25% Nil 2000000Advantage Fixed 3 yrs 95%Both 0
Illawarra CU NSW 6.24% Nil No MaxResidential Fixed 3 yrs 95%Both 900
IMB 6.09% Nil No MaxProfessional Mortgage Reside 80%Both 323.74
Macquarie Bank 6.19% Nil 2000000Classic P&I Fixed 3 yrs 90%P+I 0
ME Bank 6.19% Nil No MaxSuper Member Fixed 3 yrs 95%P+I 300
Mortgage HOUSE 6.40% Nil 2500000Advantage Fixed 3 yrs 90%Both 595
SCU 6.09% Nil No MaxResidential Fixed 3 yrs 95%Both 747
St George Bank 6.09% 395/a No MaxAdvantage Package Residenti 95%Both 0
Suncorp Bank 6.29% 10/m No MaxResidential Fixed 3 yrs 95%Both 600
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 5RESIDENTIAL 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE HOME LOAN
United Community 6.14% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
V Plus Home Loans 5.89% 8/m 2000000Advantage Plus Fixed 3 yrs 95%Both 649
Westpac 6.33% 395/a No MaxPremier Advantage Fixed Opti 95%Both 0
A M O Group 6.59% Nil 1000000Residential Fixed 3 yrs 90%Both 1240
Adelaide Bank 6.74% 10/m No MaxSmartsuite Fixed ** 3 yrs 95%Both 895
AMP Bank 6.19% 349/a 2000000Professional Package Reside 90%Both 0
ANZ 6.48% 10/m No MaxResidential Fixed 3 yrs 90%Both 0
Aussie Home Loans 6.19% Nil 2000000Optimizer Fixed 3 yrs 95%Both 700
Austral Mortgage 6.79% Nil 5000000Advantage Plus Fixed 3 yrs 95%Both 1095
Bank of Melbourne 6.24% 10/m 1000000Residential Fixed 3 yrs 95%Both 700
bankmecu 6.39% Nil No MaxResidential Fixed 3 yrs 95%P+I 595
BankSA 6.24% 10/m No MaxResidential Fixed 3 yrs 95%Both 700
bcu 6.19% Nil 7000000Residential Fixed 3 yrs 95%Both 600
Bendigo Bank 6.34% 8/m No MaxResidential Fixed 3 yrs 95%P+I 705
Citibank 6.32% 8/m 4000000Standard Fixed 3 yrs 85%Both 649
Commonwealth Bank 6.48% 8/m No MaxResidential Fixed 3 yrs 95%Both 800
Commonwealth Bank 6.33% 375/a No MaxWealth Package Residential F 95%Both 200
Community CPS Australia 6.29% Nil 2000000Residential Fixed 3 yrs 95%Both 795
Community CPS Australia 6.29% Nil 1000000Parent Fixed 3 yrs 95%Both 945
Community First CU 6.29% Nil 1000000True Fixed 3 yrs 95%Both 1096
Companion CU 6.29% Nil 2000000Residential Fixed 3 yrs 95%Both 795
Companion CU 6.29% Nil 1000000Parent Fixed 3 yrs 95%Both 945
Credit Union SA 6.39% Nil No MaxStandard Fixed 3 yrs 95%Both 843.38
CUA 6.25% Nil 5000000Residential Premium Fixed 3 y 97%Both 795
Easy Street Fin Services 6.29% Nil 1000000Easy Street Fixed 3 yrs 95%P+I 500
ECU Australia 6.35% Nil No MaxPremium Fixed 3 yrs 95%Both 800
eMoney 6.27% Nil 1000000Fixed Home Loan 3 yrs 90%Both 275
FCCS Credit Union 6.70% Nil No MaxValue Plus IO Fixed 3 yrs 95%IO 1025
Gateway Credit Union 6.47% Nil No MaxResidential Fixed 3 yrs 95%Both 745
Greater Building Society 6.65% Nil No MaxStandard Fixed 3 yrs 95%Both 500
Greater Building Society 6.25% 325/a No MaxUltimate Home Loan Package 95%Both 0
Holiday Coast CU 6.29% Nil No MaxFixed N Easy 3 yrs 95%Both 535
Homeloans 6.49% Nil 2000000ProSmart Fixed 3 yrs 95%Both 1041
Homeloans 6.84% Nil 3500000MoniPower Fixed 3 yrs 95%Both 1066
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 5RESIDENTIAL 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE HOME LOAN
Horizon Credit Union 6.19% Nil No MaxResidential Fixed 3 yrs 95%Both 935
HSBC 6.19% Nil 7500000Residential Fixed 3 yrs 90%Both 850
Hume Building Society 6.30% Nil No MaxResidential Fixed 3 yrs 95%Both 750
IMB 6.19% 6/m No MaxResidential Fixed 3 yrs 80%Both 768.74
IMB 6.09% 360/a No MaxProfessional Mortgage Plus R 80%Both 323.74
LJ Hooker Finance 6.43% Nil 2000000Kick-Start Fix 3 yrs 95%Both 75
LJ Hooker Finance 6.23% 396/a 2000000Kick-Start Plus Fix 3 yrs 95%Both 75
Macquarie Bank 6.19% 33/m 2000000Premium Premium Fixed 3 yrs 90%Both 600
Macquarie Bank 6.19% Nil 2000000Classic IO Fixed 3 yrs 90%IO 600
Maritime Mining & Power 6.28% Nil No MaxStandard Fixed 3 yrs 90%Both 1100
MyRate 6.35% Nil 2000000Residential Fixed 3 yrs 95%Both 0
nab 6.43% 395/a No MaxChoice Package Tailored Fixe 95%IO 0
nab 6.53% 8/m No MaxTailored Fixed IO 3 yrs 95%IO 600
nab 6.33% 750/a No MaxPrivate Tailored Pkg Standard 95%Both 0
nab 6.33% 395/a No MaxChoice Package Standard Fix 95%Both 0
nab 6.43% 8/m No MaxStandard Fixed 3 yrs 95%Both 600
Northern Beaches CU 6.04% Nil No MaxFixed Rate 3 yrs 95%P+I 1390
People's Choice Credit Union 6.29% 8/m No MaxResidential Fixed 3 yrs 95%Both 900
Police Credit 6.34% Nil 1800000Fixed 3 yrs 95%Both 600
Police Credit Union 6.29% Nil No MaxHome Loan Fixed 3 yrs 95%Both 1045
Police&NursesMut Banking 6.30% 5/m No MaxResidential Fixed 3 yrs 95%Both 650
QT Mutual Bank 6.29% Nil No MaxResidential Fixed 3 yrs 95%P+I 644
RAMS Home Loans 6.29% 20/m No MaxFixed Rate 3 yrs 95%Both 1020
RESI Mortgage Corp 6.61% Nil 2000000Smart Pro 3yr Fixed 3 yrs 95%Both 632.5
Select Credit Union 6.17% Nil No MaxSuper Mortgage Fixed 3 yrs 95%Both 547
SERVICE ONE Members Ba 6.40% 8/m No MaxResidential Fixed 3 yrs 97%Both 750
SGE Credit Union 6.29% Nil 2000000Residential Fixed 3 yrs 95%Both 1090
St George Bank 6.24% 10/m No MaxResidential Fixed 3 yrs 95%Both 700
State Custodians 6.31% Nil 1000000Standard Fixed 3 yrs 95%Both 0
Suncorp Bank 6.29% 25/m No MaxMy Home Package Residentia 95%Both 0
Teachers Credit Union 6.35% Nil 5000000Standard Fixed IO 3 yrs 95%IO 715
Teachers Credit Union 6.35% Nil 5000000Option Fixed 3 yrs 95%P+I 715
Unicredit-WA 6.20% Nil No MaxResidential Fixed 3 yrs 95%Both 0
United Community 6.29% Nil 2000000Residential Fixed 3 yrs 95%Both 795
United Community 6.29% Nil 1000000Parent Fixed 3 yrs 95%Both 945
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 5RESIDENTIAL 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE HOME LOAN
V Plus Home Loans 6.19% 8/m 2000000Basic Fixed 3 yrs 90%Both 649
Victoria Teachers Mutual Ba 6.33% Nil No MaxBasic Fixed 3 yrs 95%P+I 0
Victoria Teachers Mutual Ba 6.33% Nil No MaxOffset Fixed 3 yrs 95%IO 0
Wagga Mutual Credit Un 6.29% Nil 1000000Parent Fixed 3 yrs 95%Both 945
Wagga Mutual Credit Un 6.29% Nil 2000000Residential Fixed 3 yrs 95%Both 795
Westpac 6.53% 8/m No MaxFixed Options 3 yrs 95%Both 600
Yellow Brick Road 6.37% Nil 2000000Gold Pathway Fixed 3 yrs 95%Both 600
Yellow Brick Road 6.47% Nil 2000000Futureproof Fixed 3 yrs 95%Both 745
AIMS Home Loans 6.64% Nil 1000000Residential Fixed 3 yrs 90%Both 660
AIMS Home Loans 6.64% 10/m 750000First Option Fixed 3 yrs 90%Both 660
Arab Bank Australia 6.49% 8/m No MaxResidential Fixed 3 yrs 95%Both 250
B & E Personal Banking 6.69% 10/m No MaxResidential Fixed 3 yrs 95%P+I 650
B & E Personal Banking 6.49% Nil No MaxDiscounted Fixed 3 yrs 95%P+I 650
Bankwest 6.79% 12/m No MaxResidential Fixed 3 yrs 95%Both 760
Big Sky Building Society 6.39% Nil 600000Residential Fixed 3 yrs 95%P+I 610
CairnsPenny Savings&Loan 6.40% 15/q 1000000Standard Fixed 3 yrs 95%P+I 660
Collins Home Loans 6.64% Nil 2000000Residential Fixed 3 yrs 90%Both 1025
Community Mutual Group 6.44% Nil 1000000Steady Rate HLn Fixed 3 yrs 95%P+I 470
Defence Bank 6.50% Nil 1500000Flexi Choice Fixed 3 yrs 95%P+I 400
First Option CU 6.80% Nil 1000000Residential Fixed 3 yrs 95%P+I 275
Hemisphere Financial 6.28% Nil 1000000Standard Fixed 3 yrs 95%Both 599
Homeloans 6.62% Nil 2000000Ultra Fixed 3 yrs 95%Both 966
LJ Hooker Finance 6.33% Nil 2000000Leveredge Plus Fix 3 yrs 90%P+I 0
LJ Hooker Finance 6.43% Nil 2000000Leveredge Fix 3 yrs 90%P+I 0
ME Bank 6.69% Nil No MaxResidential Fixed 3 yrs 95%P+I 300
MyState 6.64% Nil 1000000Residential Fixed 3 yrs 95%P+I 952
nab 6.43% 750/a No MaxPrivate Tailored Pkg Tailored 95%IO 0
People's Choice Credit Union 6.56% Nil 1000000Lite Fixed 3 yrs 95%Both 619
Qantas Staff CU 6.59% Nil No MaxOptions Fixed 3 yrs 95%Both 600
Summerland CU 6.39% 8/m No MaxStandard Fixed 3 yrs 95%Both 800
The Capricornian 6.40% 385/a 750000My First Home Loan Fixed 3 yr 95%Both 0
The Capricornian 6.40% 385/a 2000000My Advantage Fixed 3 yrs 50K 95%Both 0
The Capricornian 6.55% Nil 1000000Fixed 3 yrs 95%Both 250
The Mutual 6.34% Nil No MaxPremium Fixed 3 yrs 95%Both 300
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 5RESIDENTIAL 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE HOME LOAN
TIO Banking 6.29% Nil No MaxEssentials Home Ln Pkg Esse 90%Both 0
TIO Banking 6.29% 10/m No MaxEssentials Fixed 3 yrs 90%Both 1180
UBank 5.98% Nil 1000000UHomeLoan Fixed (for refinan 80%Both 0
Adelaide Bank 7.74% 10/m 2000000Smartdoc Fixed 3 yrs 80%Both 895
Bank of Cyprus Australia 7.07% 6/m 5000000Standard Fixed 3 yrs 90%Both 1020
Beirut Hellenic Bank 6.60% 10/m No MaxResidential Fixed 3 yrs 80%Both 980
Hemisphere Financial 6.68% Nil 1000000Alt Doc Fixed 3 yrs 80%Both 599
Hemisphere Financial 6.58% Nil 1000000Quickstart Fixed 3 yrs 95%P+I 599
Mortgage HOUSE 7.60% Nil No MaxEssential Offset Fixed 3 yrs 80%Both 595
Mortgage HOUSE 7.55% 375/a 750000Vantage Offset Fixed 3 yrs 80%P+I 670
Mortgage HOUSE 7.60% Nil No MaxPeak Fixed 3 yrs 95%P+I 595
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 5RESIDENTIAL 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE HOME LOAN
"outstanding value"ANZ 6.64% 375/a No MaxBreakfree Residential Fixed 5 90%Both 0
Catalyst Mutual 6.64% Nil No MaxResidential Fixed 5 yrs 95%Both 900
FCCS Credit Union 6.85% Nil No MaxValue Plus Fixed 5 yrs 95%Both 1025
Greater Building Society 6.75% Nil No MaxGreat Rate Fixed 5 yrs 95%Both 500
Heritage Bank 6.55% 300/a No MaxProfessional Package Reside 95%Both 0
Heritage Bank 6.55% 5/m No MaxResidential Fixed 5 yrs 95%Both 600
Illawarra CU NSW 6.64% Nil No MaxResidential Fixed 5 yrs 95%Both 900
ING DIRECT 6.89% Nil 2000000Residential Fixed 5 yrs 95%Both 719
Mortgage HOUSE 6.80% Nil 2500000Advantage Fixed 5 yrs 90%Both 595
Newcastle Permanent 6.64% Nil No MaxResidential Fixed 5 yrs 95%Both 500
Newcastle Permanent 6.64% 350/a No MaxPremium Plus Package Resid 95%Both 0
Qld Police Credit Union 6.69% Nil No MaxResidential Fixed 5 yrs 97%Both 876
Adelaide Bank 7.09% 10/m No MaxSmartsuite Fixed ** 5 yrs 95%Both 895
Austral Mortgage 7.14% Nil 5000000Advantage Plus Fixed 5 yrs 95%Both 1095
Commonwealth Bank 6.74% 375/a No MaxWealth Package Residential F 95%Both 200
Community CPS Australia 6.64% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
CUA 6.69% Nil 5000000Residential Fixed 5 yrs 80%Both 795
Greater Building Society 6.70% 325/a No MaxUltimate Home Loan Package 95%Both 0
HomeSide Lending 6.74% 10/m No MaxHomeplus Fixed Rate 5 yrs 95%Both 162.5
Homestar Finance 6.85% Nil 2000000Advantage Fixed 5 yrs 95%Both 0
IMB 6.59% Nil No MaxProfessional Mortgage Reside 80%Both 323.74
Macquarie Bank 6.69% Nil 2000000Premium Fixed 5 yrs 90%Both 600
ME Bank 6.69% Nil No MaxSuper Member Fixed 5 yrs 95%P+I 300
Pacific Mortgage Group 6.47% Nil 2000000Residential Fixed 5 yrs 95%P+I 0
SCU 6.75% Nil No MaxResidential Fixed 5 yrs 95%Both 747
SERVICE ONE Members Ba 6.85% 8/m No MaxResidential Fixed 5 yrs 97%Both 750
The Rock Building Soc 6.85% 5/m 3000000Residential Fixed 5 yrs 95%Both 800
United Community 6.64% Nil No MaxPinnacle +Plus Pkg Residenti 95%Both 0
V Plus Home Loans 6.54% 8/m 2000000Advantage Plus Fixed 5 yrs 95%Both 649
Victoria Teachers Mutual Ba 6.74% Nil No MaxOffset Fixed 5 yrs 95%IO 0
Westpac 6.79% 395/a No MaxPremier Advantage Fixed Opti 95%Both 0
A M O Group 6.99% Nil 1000000Residential Fixed 5 yrs 90%Both 1240
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 4RESIDENTIAL 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE HOME LOAN
AIMS Home Loans 6.92% 10/m 750000First Option Fixed 5 yrs 90%Both 660
AMP Bank 6.69% 349/a 2000000Professional Package Reside 90%Both 0
AMP Bank 6.54% Nil No MaxAffinity Package Residential Fi 90%Both 895
AMP Bank 6.59% Nil No MaxSelect Package Residential Fi 90%Both 895
AMP Bank 6.69% Nil 2000000Residential Fixed 5 yrs 90%Both 545
ANZ 6.79% 10/m No MaxResidential Fixed 5 yrs 90%Both 0
Aussie Home Loans 6.69% Nil 2000000Optimizer Fixed 5 yrs 95%Both 700
Bank of Melbourne 6.69% 395/a No MaxAdvantage Package Residenti 95%Both 0
Bank of Melbourne 6.84% 10/m 1000000Residential Fixed 5 yrs 95%Both 700
BankSA 6.69% 395/a No MaxAdvantage Package Residenti 95%Both 0
BankSA 6.84% 10/m No MaxResidential Fixed 5 yrs 95%Both 700
Bankwest 7.09% 12/m No MaxResidential Fixed 5 yrs 95%Both 760
bcu 6.69% Nil 7000000Residential Fixed 5 yrs 95%Both 600
Bendigo Bank 6.89% 8/m No MaxResidential Fixed 5 yrs 95%P+I 705
BOQ 6.89% Nil No MaxShareholder Benefits Resident 95%Both 375
BOQ 6.89% 375/a No MaxHome Loan Privileges Reside 95%Both 0
BOQ 6.89% 10/m No MaxResidential Fixed 5 yrs 95%Both 845
Citibank 6.60% 8/m 4000000Standard Fixed 5 yrs 85%Both 649
Commonwealth Bank 6.89% 8/m No MaxResidential Fixed 5 yrs 95%Both 800
Community CPS Australia 6.79% Nil 1000000Parent Fixed 5 yrs 95%Both 945
Community CPS Australia 6.79% Nil 2000000Residential Fixed 5 yrs 95%Both 795
Companion CU 6.79% Nil 2000000Residential Fixed 5 yrs 95%Both 795
Companion CU 6.79% Nil 1000000Parent Fixed 5 yrs 95%Both 945
CUA 6.89% Nil 5000000Residential Premium Fixed 5 y 97%Both 795
ECU Australia 7.09% Nil No MaxPremium Fixed 5 yrs 95%Both 800
Encompass Credit Union 6.90% Nil 1000000Residential Fixed 5 yrs 95%Both 930
FCCS Credit Union 7.00% Nil No MaxValue Plus IO Fixed 5 yrs 95%IO 1025
Greater Building Society 7.10% Nil No MaxStandard Fixed 5 yrs 95%Both 500
Holiday Coast CU 6.99% Nil No MaxFixed N Easy 5 yrs 95%Both 535
Homeloans 7.19% Nil 2000000ProSmart Fixed 5 yrs 95%Both 1041
Homeloans 7.29% Nil 3500000MoniPower Fixed 5 yrs 95%Both 1066
HSBC 6.65% Nil 7500000Residential Fixed 5 yrs 90%Both 850
Hume Building Society 6.75% Nil No MaxResidential Fixed 5 yrs 95%Both 750
IMB 6.69% 6/m No MaxResidential Fixed 5 yrs 80%Both 768.74
IMB 6.59% 360/a No MaxProfessional Mortgage Plus R 80%Both 323.74
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 4RESIDENTIAL 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE HOME LOAN
Macquarie Bank 6.69% Nil 2000000Classic P&I Fixed 5 yrs 90%P+I 0
Macquarie Bank 6.69% 33/m 2000000Premium Premium Fixed 5 yrs 90%Both 600
Macquarie Bank 6.69% Nil 2000000Classic IO Fixed 5 yrs 90%IO 600
Maritime Mining & Power 6.88% Nil No MaxStandard Fixed 5 yrs 90%Both 1100
MyRate 6.95% Nil 2000000Residential Fixed 5 yrs 95%Both 0
nab 6.84% 8/m No MaxStandard Fixed 5 yrs 95%Both 600
nab 6.74% 395/a No MaxChoice Package Standard Fix 95%Both 0
nab 6.74% 750/a No MaxPrivate Tailored Pkg Standard 95%Both 0
nab 6.94% 8/m No MaxTailored Fixed IO 5 yrs 95%IO 600
nab 6.84% 395/a No MaxChoice Package Tailored Fixe 95%IO 0
nab 6.84% 750/a No MaxPrivate Tailored Pkg Tailored 95%IO 0
People's Choice Credit Union 6.79% 8/m No MaxResidential Fixed 5 yrs 95%Both 900
Police&NursesMut Banking 6.70% 5/m No MaxResidential Fixed 5 yrs 95%Both 650
RAMS Home Loans 6.75% 20/m No MaxFixed Rate 5 yrs 95%Both 1020
SGE Credit Union 6.79% Nil 2000000Residential Fixed 5 yrs 95%Both 1090
St George Bank 6.69% 395/a No MaxAdvantage Package Residenti 95%Both 0
St George Bank 6.84% 10/m No MaxResidential Fixed 5 yrs 95%Both 700
Suncorp Bank 6.95% 10/m No MaxResidential Fixed 5 yrs 95%Both 600
TIO Banking 6.79% Nil No MaxEssentials Home Ln Pkg Esse 90%Both 0
Unicredit-WA 6.70% Nil No MaxResidential Fixed 5 yrs 95%Both 0
United Community 6.79% Nil 2000000Residential Fixed 5 yrs 95%Both 795
United Community 6.79% Nil 1000000Parent Fixed 5 yrs 95%Both 945
V Plus Home Loans 6.75% 8/m 2000000Basic Fixed 5 yrs 90%Both 649
Victoria Teachers Mutual Ba 6.74% Nil No MaxBasic Fixed 5 yrs 95%P+I 0
Wagga Mutual Credit Un 6.79% Nil 1000000Parent Fixed 5 yrs 95%Both 945
Wagga Mutual Credit Un 6.79% Nil 2000000Residential Fixed 5 yrs 95%Both 795
Westpac 6.99% 8/m No MaxFixed Options 5 yrs 95%Both 600
AIMS Home Loans 6.92% Nil 1000000Residential Fixed 5 yrs 90%Both 660
Arab Bank Australia 6.99% 8/m No MaxResidential Fixed 5 yrs 95%Both 250
B & E Personal Banking 7.19% Nil No MaxDiscounted Fixed 5 yrs 95%P+I 650
Bank of Cyprus Australia 7.40% 6/m 5000000Standard Fixed 5 yrs 90%Both 1020
Big Sky Building Society 6.89% Nil 600000Residential Fixed 5 yrs 95%P+I 610
Collins Home Loans 7.14% Nil 2000000Residential Fixed 5 yrs 90%Both 1025
Community Mutual Group 6.94% Nil 1000000Steady Rate HLn Fixed 5 yrs 95%P+I 470
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 4RESIDENTIAL 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE HOME LOAN
eMoney 6.90% Nil 1000000Fixed Home Loan 5 yrs 90%Both 275
Hemisphere Financial 6.63% Nil 1000000Standard Fixed 5 yrs 95%Both 599
Hemisphere Financial 6.93% Nil 1000000Quickstart Fixed 5 yrs 95%P+I 599
Horizon Credit Union 6.99% Nil No MaxResidential Fixed 5 yrs 95%Both 935
ME Bank 7.19% Nil No MaxResidential Fixed 5 yrs 95%P+I 300
MyState 7.15% Nil 1000000Residential Fixed 5 yrs 95%P+I 952
People's Choice Credit Union 7.02% Nil 1000000Lite Fixed 5 yrs 95%Both 619
Police Credit 6.94% Nil 1800000Fixed 5 yrs 95%Both 600
Police Credit Union 7.28% Nil No MaxHome Loan Fixed 5 yrs 95%Both 1045
RESI Mortgage Corp 7.17% Nil 2000000Smart Pro Fixed 5 yrs 95%Both 632.5
State Custodians 6.66% Nil 1000000Standard Fixed 5 yrs 95%Both 0
Summerland CU 6.85% 8/m No MaxStandard Fixed 5 yrs 95%Both 800
Suncorp Bank 6.95% 25/m No MaxMy Home Package Residentia 95%Both 0
The Capricornian 7.10% 385/a 2000000My Advantage Fixed 5 yrs 50K 95%Both 0
The Capricornian 7.10% 385/a 750000My First Home Loan Fixed 5 yr 95%Both 0
The Capricornian 7.25% Nil 1000000Fixed 5 yrs 95%Both 250
TIO Banking 6.79% 10/m No MaxEssentials Fixed 5 yrs 90%Both 1180
UBank 6.84% Nil 1000000UHomeLoan Fixed (for refinan 80%Both 0
Adelaide Bank 8.09% 10/m 2000000Smartdoc Fixed 5 yrs 80%Both 895
B & E Personal Banking 7.39% 10/m No MaxResidential Fixed 5 yrs 95%P+I 650
Hemisphere Financial 7.03% Nil 1000000Alt Doc Fixed 5 yrs 80%Both 599
Homeloans 7.29% Nil 2000000Ultra Fixed 5 yrs 95%Both 966
Mortgage HOUSE 7.95% Nil No MaxEssential Offset Fixed 5 yrs 80%Both 595
Mortgage HOUSE 7.93% 375/a 750000Vantage Offset Fixed 5 yrs 80%P+I 670
Mortgage HOUSE 7.95% Nil No MaxPeak Fixed 5 yrs 95%P+I 595
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 4RESIDENTIAL 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
1 YEAR FIXED RATE INVESTMENT HOME LOAN
"outstanding value"ANZ 6.29% 10/m No MaxInvestment 1yr Fixed 1 yr 90%Both 0
ANZ 6.14% 375/a No MaxBreakfree Investment 1yr Fixe 90%Both 0
FCCS Credit Union 6.45% Nil No MaxInvestment Value Plus Fixed 1 95%Both 1025
Greater Building Society 6.20% Nil No MaxInv Great Rate Fixed 1 yr 95%Both 500
Heritage Bank 6.05% 5/m No MaxInvestment Fixed 1 yr 95%Both 600
HomeSide Lending 6.09% 10/m No MaxInv Fixed Rate Interest Only 1 95%IO 162.5
ING DIRECT 6.14% Nil 2000000Investment Fixed 1 yr 95%Both 719
Macquarie Bank 6.19% 33/m 2000000Premium Inv Premium Fixed 1 90%Both 600
Macquarie Bank 6.19% Nil 2000000Inv Premium Fixed 1 yr 90%Both 600
Macquarie Bank 6.19% Nil 2000000Inv Classic P&I Fixed 1 yr 90%P+I 0
Newcastle Permanent 5.99% 350/a No MaxPremium Plus Package Invest 95%Both 0
Newcastle Permanent 5.99% Nil No MaxInvestment Fixed 1 yr 95%Both 500
The Rock Building Soc 6.19% 5/m 3000000Investment Standard Fixed 1 y 95%Both 800
V Plus Home Loans 5.69% 8/m 2000000Inv Advantage Plus Fixed 1 yr 95%Both 649
AMP Bank 5.99% Nil No MaxSelect Package Investment Fi 90%Both 895
AMP Bank 5.94% Nil No MaxAffinity Package Investment Fi 90%Both 895
Austral Mortgage 6.59% Nil 5000000Investment Advantage Plus Fi 95%Both 1095
BOQ 6.19% Nil No MaxShareholder Benefits Investm 95%Both 375
Citibank 6.29% 8/m 4000000Investment Standard Fixed 1 y 85%Both 649
Credit Union SA 6.15% Nil No MaxInvestment Standard 1yr Fixed 90%Both 343.38
CUA 5.95% Nil 5000000Investment Fixed 1 yr 80%Both 795
Heritage Bank 6.05% 300/a No MaxProfessional Package Investm 95%Both 0
Homestar Finance 6.10% Nil 2000000Inv Advantage Fixed 1 yr 95%Both 0
IMB 5.99% Nil No MaxProfessional Mortgage Invest 80%Both 323.74
Macquarie Bank 6.19% Nil 2000000Inv Classic IO Fixed 1 yr 90%IO 600
ME Bank 5.99% Nil No MaxInvestment SuperMember Fix 95%Both 300
Mortgage HOUSE 6.17% Nil 2500000Inv Advantage Fixed 1 yr 90%Both 595
MyRate 6.20% Nil 2000000Investment Fixed 1 yr 95%Both 0
nab 6.09% 395/a No MaxChoice Package Inv Standard 95%Both 0
nab 6.19% 8/m No MaxInv Standard Fixed 1 yr 95%Both 600
RAMS Home Loans 6.19% 20/m No MaxInv Fixed Rate 1 yr 95%Both 1020
Unicredit-WA 6.05% Nil No MaxInvestment Fixed 1 yr 95%Both 0
United Community 6.14% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
V Plus Home Loans 5.92% 8/m 2000000Inv Basic Fixed 1 yr 90%Both 649
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 5INVESTMENT 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
1 YEAR FIXED RATE INVESTMENT HOME LOAN
Victoria Teachers Mutual Ba 6.09% Nil No MaxInv Offset Fixed 1 yr 95%Both 0
A M O Group 6.39% Nil 1000000Investment Fixed 1 yr 90%Both 1240
Adelaide Bank 6.61% 10/m No MaxInvestment Smartsuite Fixed 1 90%Both 895
AMP Bank 6.09% 10/m 2500000Investment Fixed 1 yr 90%Both 895
AMP Bank 6.09% 349/a 2500000Professional Package Investm 90%Both 0
Aussie Home Loans 6.29% Nil 2000000Inv Optimizer Fixed 1 yr 95%Both 700
Bank of Melbourne 6.14% 395/a No MaxAdvantage Package Investme 95%Both 0
Bank of Melbourne 6.29% 10/m No MaxInvestment Fixed 1 yr 95%Both 700
bankmecu 5.99% Nil No MaxInv Fixed 1 yr 95%P+I 595
BankSA 6.29% 10/m No MaxInvestment Fixed 1 yr 95%Both 700
BankSA 6.14% 395/a No MaxAdvantage Package Investme 95%Both 0
Bankwest 6.69% 12/m No MaxInvestment Fixed 1 yr 95%Both 760
bcu 6.19% Nil 7000000Investment Fixed 1 yr 95%Both 600
Bendigo Bank 6.29% 8/m No MaxInvestment Fixed 1 yr 95%P+I 705
BOQ 6.19% 375/a No MaxHome Loan Privileges Investm 95%Both 0
BOQ 6.19% 10/m No MaxInvestment Fixed 1 yr 95%Both 845
Catalyst Mutual 6.19% 8/m No MaxInvestment Fixed 1 yr 95%Both 900
Commonwealth Bank 6.29% 8/m No MaxInvestment Fixed 1 yr 95%Both 800
Commonwealth Bank 6.14% 375/a No MaxWealth Package Investment F 95%Both 200
Community CPS Australia 6.29% Nil 2000000Investment Fixed 1 yr 95%Both 795
Community CPS Australia 6.29% Nil 1000000Investment Parent Fixed 1 yr 95%Both 945
Community CPS Australia 6.14% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
Community First CU 6.29% Nil 1000000Investment True Fixed 1 yr 95%Both 1096
Companion CU 6.29% Nil 2000000Investment Fixed 1 yr 95%Both 795
Companion CU 6.29% Nil 1000000Investment Parent Fixed 1 yr 95%Both 945
CUA 6.19% Nil 5000000Investment Premium Fixed 1 y 97%Both 795
ECU Australia 6.19% Nil No MaxInvestment Premium Fixed 1 y 95%Both 800
Encompass Credit Union 6.20% Nil 1000000Investment Fixed 1 yr 95%Both 930
FCCS Credit Union 6.60% Nil No MaxInvestment Value Plus IO Fixe 95%IO 1025
Gateway Credit Union 6.47% Nil No MaxInvestment Fixed 1 yr 95%Both 745
Greater Building Society 6.55% Nil No MaxInv Standard Fixed 1 yr 95%Both 500
Homeloans 6.44% Nil 2000000Investment ProSmart Fixed 1 95%Both 1041
Homeloans 6.81% Nil 3500000Investment MoniPower Fixed 95%Both 1066
Horizon Credit Union 6.19% Nil No MaxInvestment Fixed 1 yr 95%Both 935
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 5INVESTMENT 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
1 YEAR FIXED RATE INVESTMENT HOME LOAN
HSBC 6.09% Nil 7500000Investment Fixed 1 yr 90%Both 850
Hume Building Society 6.25% Nil No MaxInvestment Fixed 1 yr 95%Both 750
Illawarra CU NSW 6.19% 8/m No MaxInvestment Fixed 1 yr 95%Both 900
IMB 5.99% 360/a No MaxProfessional Mortgage Plus In 80%Both 323.74
IMB 6.09% 6/m No MaxInvestment Fixed 1 yr 80%Both 768.74
Macarthur Credit Union 6.39% Nil No MaxInvestment Standard Fixed 1 y 95%Both 1323
nab 6.09% 750/a No MaxPrivate Tailored Pkg Inv Stand 95%Both 0
nab 6.29% 8/m No MaxInv Tailored Fixed IO 1 yr 95%IO 600
nab 6.19% 750/a No MaxPrivate Tailored Pkg Inv Tailor 95%IO 0
nab 6.19% 395/a No MaxChoice Package Inv Tailored 95%IO 0
People's Choice Credit Union 6.29% 8/m No MaxInvestment Fixed 1 yr 95%Both 900
People's Choice Credit Union 6.21% Nil 1000000Investment Lite Fixed 1 yr 95%Both 619
Police Credit 5.99% Nil 1800000Inv Fixed 1 yr 95%Both 600
Qld Police Credit Union 6.19% Nil No MaxInvestment Fixed 1 yr 97%Both 876
QT Mutual Bank 6.19% Nil No MaxInvestment Fixed 1 yr 95%Both 644
Queensland Country Credit 6.25% 5/m No MaxInvestment Fixed Rate 1 yr 95%Both 950
RESI Mortgage Corp 6.34% Nil 2000000Inv Smart Pro Fixed 1 yr 95%Both 632.5
SERVICE ONE Members Ba 6.35% 8/m No MaxInvestment Fixed 1 yr 97%Both 750
SGE Credit Union 5.99% Nil 2000000Investment Standard Fixed 1 y 95%Both 1090
St George Bank 6.14% 395/a No MaxAdvantage Package Investme 95%Both 0
St George Bank 6.29% 10/m No MaxInvestment Fixed 1 yr 95%Both 700
Suncorp Bank 6.15% 10/m No MaxInvestment Fixed 1 yr 95%Both 600
Suncorp Bank 6.15% 25/m No MaxMy Home Package Investment 95%Both 0
Teachers Credit Union 6.18% Nil 5000000Inv Option Fixed 1 yr 95%P+I 715
Teachers Credit Union 6.18% Nil 5000000Inv Standard Fixed IO 1 yr 95%IO 715
The Mutual 6.09% Nil No MaxInv Premium Fixed 1 yr 95%Both 300
UBank 5.93% Nil 1000000Inv UHomeLoan Fxd (for refin 80%Both 0
United Community 6.29% Nil 1000000Investment Parent Fixed 1 yr 95%Both 945
United Community 6.29% Nil 2000000Investment Fixed 1 yr 95%Both 795
Victoria Teachers Mutual Ba 6.09% Nil No MaxInv Basic Fixed 1 yr 95%P+I 0
Victoria Teachers Mutual Ba 6.09% Nil No MaxInterest Only Investment Fixed 95%IO 0
Wagga Mutual Credit Un 6.29% Nil 2000000Investment Parent Fixed 1 yr 95%Both 945
Wagga Mutual Credit Un 6.29% Nil 2000000Investment Fixed 1 yr 95%Both 795
Westpac 6.49% 8/m No MaxInvestment Fixed 1 yr 95%Both 600
Westpac 6.29% 395/a No MaxPremier Advantage Investmen 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 5INVESTMENT 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
1 YEAR FIXED RATE INVESTMENT HOME LOAN
Yellow Brick Road 6.37% Nil 2000000Inv Gold Pathway Fixed 1 yr 90%Both 600
Yellow Brick Road 6.47% Nil 2000000Inv Futureproof Fixed 1 yr 90%Both 745
AIMS Home Loans 6.65% Nil 1000000Investment Fixed 1 yr 85%Both 660
AIMS Home Loans 6.65% 10/m 750000Inv First Option Fixed 1 yr 85%Both 660
Arab Bank Australia 6.69% 8/m No MaxInvestment Fixed 1 yr 95%Both 250
Bank of Cyprus Australia 6.99% 6/m 5000000Investment Standard Fixed 1 y 90%Both 1020
Bank of Melbourne 6.69% 12/m No MaxSuper Fund Fixed 1 yr 80%Both 1600
BankSA 6.69% 12/m No MaxSuper Fund Fixed 1 yr 80%Both 1600
Beirut Hellenic Bank 6.45% 10/m No MaxInvestment Fixed 1 yr 80%Both 980
Big Sky Building Society 6.34% Nil 600000Inv Fixed 1 yr 90%P+I 610
CairnsPenny Savings&Loan 6.35% 15/q 1000000Inv Standard Fixed 1 yr 95%Both 660
Coastline Credit Union 6.19% Nil No MaxInvestment Fixed 1 yr 90%P+I 755
Collins Home Loans 6.84% Nil 2000000Investment Fixed 1 yr 90%Both 1025
Community Mutual Group 6.29% Nil 1000000Invest Steady Rate HLn Fixed 95%P+I 525
First Option CU 6.80% Nil 1000000Investment Standard Fixed 1 y 95%Both 275
Hemisphere Financial 6.29% Nil 1000000Investment Standard Fixed 1 y 95%Both 599
Holiday Coast CU 6.29% Nil No MaxInv Fixed N Easy 1 yr 95%Both 535
Homeloans 6.39% Nil 2000000Investment Ultra Fixed 1 yr 95%Both 966
Maritime Mining & Power 6.33% Nil No MaxInv Standard Fixed 1 yr 90%Both 1100
ME Bank 6.49% Nil No MaxInvestment Fixed 1 yr 95%Both 300
Mortgage HOUSE 7.20% Nil No MaxInv Essential Offset Fixed 1 yr 80%Both 595
Mortgage HOUSE 7.20% Nil No MaxInv Peak Fixed 1 yr 95%P+I 595
MyState 6.59% Nil 1000000Investment Fixed 1 yr 97%P+I 952
Qantas Staff CU 6.59% Nil No MaxInv Options Fixed IO 1 yr 95%Both 600
Queensland Country Credit 6.25% 330/a No MaxUltimate Home Loan Investme 95%Both 0
St George Bank 6.69% 12/m No MaxSuper Fund Fixed 1 yr 80%Both 1600
State Custodians 6.32% Nil 1000000Inv Standard Fixed 1 yr 95%Both 0
Summerland CU 6.19% 8/m No MaxInvestment Standard Fixed 1 y 95%Both 800
TIO Banking 6.14% 10/m No MaxInvestment Essentials Fixed 1 90%Both 1180
TIO Banking 6.14% Nil No MaxEssentials Home Ln Pkg Inves 90%Both 0
Adelaide Bank 7.61% 10/m 2000000Investment Smartdoc Fixed 1 80%Both 895
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 5INVESTMENT 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
1 YEAR FIXED RATE INVESTMENT HOME LOAN
B & E Personal Banking 7.19% 10/m No MaxInvestment Fixed 1 yr 95%Both 650
B & E Personal Banking 6.99% Nil No MaxInv Discount Fixed 1 yr 95%Both 650
Hemisphere Financial 6.69% Nil 1000000Investment Alt Doc Fixed 1 yr 80%Both 599
Hunter United Credit Un 6.99% 5/m No MaxInv Fixed 1 yr 95%P+I 930
Mortgage HOUSE 7.23% 375/a 750000Inv Vantage Offset Fixed 1 yr 80%P+I 670
Northern Beaches CU 7.09% Nil No MaxInvestment Interest Only Fixed 95%IO 915
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 5INVESTMENT 1 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
2 YEAR FIXED RATE INVESTMENT HOME LOAN
"outstanding value"AMP Bank 5.99% Nil No MaxAffinity Package Investment Fi 90%Both 895
ANZ 6.34% 10/m No MaxInvestment Fixed 2 yrs 90%Both 0
ANZ 6.19% 375/a No MaxBreakfree Investment Fixed 2 90%Both 0
FCCS Credit Union 6.45% Nil No MaxInvestment Value Plus Fixed 2 95%Both 1025
Greater Building Society 6.30% Nil No MaxInv Great Rate Fixed 2 yrs 95%Both 500
Heritage Bank 6.09% 5/m No MaxInvestment Fixed 2 yrs 95%Both 600
IMB 5.80% Nil No MaxProfessional Mortgage Invest 80%Both 323.74
ING DIRECT 6.14% Nil 2000000Investment Fixed 2 yrs 95%Both 719
Macquarie Bank 6.19% 33/m 2000000Premium Inv Premium Fixed 2 90%Both 600
Macquarie Bank 6.19% Nil 2000000Inv Premium Fixed 2 yrs 90%Both 600
Newcastle Permanent 5.99% 350/a No MaxPremium Plus Package Invest 95%Both 0
Newcastle Permanent 5.99% Nil No MaxInvestment Fixed 2 yrs 95%Both 500
V Plus Home Loans 5.69% 8/m 2000000Inv Advantage Plus Fixed 2 yr 95%Both 649
AMP Bank 6.04% Nil No MaxSelect Package Investment Fi 90%Both 895
Bank of Melbourne 5.99% 395/a No MaxAdvantage Package Investme 95%Both 0
BankSA 5.99% 395/a No MaxAdvantage Package Investme 95%Both 0
BOQ 6.19% Nil No MaxShareholder Benefits Investm 95%Both 375
Citibank 6.29% 8/m 4000000Investment Standard Fixed 2 y 85%Both 649
Commonwealth Bank 6.19% 375/a No MaxWealth Package Investment F 95%Both 200
CUA 5.95% Nil 5000000Investment Fixed 2 yrs 80%Both 795
Heritage Bank 6.09% 300/a No MaxProfessional Package Investm 95%Both 0
HomeSide Lending 6.19% 10/m No MaxInv Fixed Rate Interest Only 2 95%IO 162.5
LJ Hooker Finance 6.18% 396/a 2000000Kick-Start Plus Fix Inv 2 yrs 95%Both 75
loans.com.au 5.99% Nil 750000Investment Dream Loan Expre 80%Both 295
Macquarie Bank 6.19% Nil 2000000Inv Classic P&I Fixed 2 yrs 90%P+I 0
Macquarie Bank 6.19% Nil 2000000Inv Classic IO Fixed 2 yrs 90%IO 600
Mortgage HOUSE 6.28% Nil 2500000Inv Advantage Fixed 2 yrs 90%Both 595
nab 6.29% 8/m No MaxInv Standard Fixed 2 yrs 95%Both 600
nab 6.19% 395/a No MaxChoice Package Inv Standard 95%Both 0
Pacific Mortgage Group 5.94% Nil 2000000Investment Fixed 2 yrs 95%P+I 0
SCU 5.98% Nil No MaxInvestment Standard Fixed 2 y 95%Both 747
St George Bank 5.99% 395/a No MaxAdvantage Package Investme 95%Both 0
Suncorp Bank 6.19% 10/m No MaxInvestment Fixed 2 yrs 95%Both 600
Unicredit-WA 6.05% Nil No MaxInvestment Fixed 2 yrs 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 5INVESTMENT 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
2 YEAR FIXED RATE INVESTMENT HOME LOAN
V Plus Home Loans 6.09% 8/m 2000000Inv Basic Fixed 2 yrs 90%Both 649
Victoria Teachers Mutual Ba 6.09% Nil No MaxInv Offset Fixed 2 yrs 95%Both 0
A M O Group 6.49% Nil 1000000Investment Fixed 2 yrs 90%Both 1240
Adelaide Bank 6.57% 10/m No MaxInvestment Smartsuite Fixed 2 90%Both 895
AMP Bank 6.14% 10/m 2500000Investment Fixed 2 yrs 90%Both 895
AMP Bank 6.14% 349/a 2500000Professional Package Investm 90%Both 0
Aussie Home Loans 6.29% Nil 2000000Inv Optimizer Fixed 2 yrs 95%Both 700
Austral Mortgage 6.59% Nil 5000000Investment Advantage Plus Fi 95%Both 1095
Bank of Melbourne 6.14% 10/m No MaxInvestment Fixed 2 yrs 95%Both 700
bankmecu 6.29% Nil No MaxInv Fixed 2 yrs 95%P+I 595
BankSA 6.14% 10/m No MaxInvestment Fixed 2 yrs 95%Both 700
Bankwest 6.69% 12/m No MaxInvestment Fixed 2 yrs 95%Both 760
bcu 6.19% Nil 7000000Investment Fixed 2 yrs 95%Both 600
Bendigo Bank 6.24% 8/m No MaxInvestment Fixed 2 yrs 95%P+I 705
BOQ 6.19% 375/a No MaxHome Loan Privileges Investm 95%Both 0
BOQ 6.19% 10/m No MaxInvestment Fixed 2 yrs 95%Both 845
Catalyst Mutual 6.14% 8/m No MaxInvestment Fixed 2 yrs 95%Both 900
Commonwealth Bank 6.34% 8/m No MaxInvestment Fixed 2 yrs 95%Both 800
Community CPS Australia 6.14% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
Community CPS Australia 6.29% Nil 2000000Investment Fixed 2 yrs 95%Both 795
Community CPS Australia 6.29% Nil 1000000Investment Parent Fixed 2 yrs 95%Both 945
Community First CU 6.29% Nil 1000000Investment True Fixed 2 yrs 95%Both 1096
Companion CU 6.29% Nil 2000000Investment Fixed 2 yrs 95%Both 795
Credit Union SA 6.24% Nil No MaxInvestment Standard Fixed 2 y 90%Both 843.38
CUA 6.19% Nil 5000000Investment Premium Fixed 2 y 97%Both 795
Easy Street Fin Services 6.29% Nil 1000000Investment Easy Street Fixed 95%P+I 500
ECU Australia 6.19% Nil No MaxInvestment Premium Fixed 2 y 95%Both 800
eMoney 6.17% Nil 1000000Inv Fixed Home Loan 2 yrs 90%Both 275
Encompass Credit Union 6.20% Nil 1000000Investment Fixed 2 yrs 95%Both 930
FCCS Credit Union 6.60% Nil No MaxInvestment Value Plus IO Fixe 95%IO 1025
Gateway Credit Union 6.47% Nil No MaxInvestment Fixed 2 yrs 95%Both 745
Greater Building Society 6.65% Nil No MaxInv Standard Fixed 2 yrs 95%Both 500
Holiday Coast CU 6.09% Nil No MaxInv Fixed N Easy 2 yrs 95%Both 535
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 5INVESTMENT 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
2 YEAR FIXED RATE INVESTMENT HOME LOAN
Homeloans 6.67% Nil 3500000Investment MoniPower Fixed 95%Both 1066
Homeloans 6.44% Nil 2000000Investment ProSmart Fixed 2 95%Both 1041
Homestar Finance 6.20% Nil 2000000Inv Advantage Fixed 2 yrs 95%Both 0
Horizon Credit Union 6.19% Nil No MaxInvestment Fixed 2 yrs 95%Both 935
HSBC 6.09% Nil 7500000Investment Fixed 2 yrs 90%Both 850
Hume Building Society 6.20% Nil No MaxInvestment Fixed 2 yrs 95%Both 750
Illawarra CU NSW 6.14% 8/m No MaxInvestment Fixed 2 yrs 95%Both 900
IMB 5.90% 360/a No MaxProfessional Mortgage Plus In 80%Both 768.74
IMB 5.90% 6/m No MaxInvestment Fixed 2 yrs 80%Both 768.74
LJ Hooker Finance 6.38% Nil 2000000Kick-Start Fix Inv 2 yrs 95%Both 75
LJ Hooker Finance 6.23% Nil 2000000Leveredge Plus Fix Inv 2 yrs 90%P+I 0
Macarthur Credit Union 6.49% Nil No MaxInvestment Standard Fixed 2 y 95%Both 1323
Maritime Mining & Power 6.18% Nil No MaxInv Standard Fixed 2 yrs 90%Both 1100
MyRate 6.30% Nil 2000000Investment Fixed 2 yrs 95%Both 0
nab 6.19% 750/a No MaxPrivate Tailored Pkg Inv Stand 95%Both 0
nab 6.39% 8/m No MaxInv Tailored Fixed IO 2 yrs 95%IO 600
nab 6.29% 395/a No MaxChoice Package Inv Tailored 95%IO 0
nab 6.29% 750/a No MaxPrivate Tailored Pkg Inv Tailor 95%IO 0
People's Choice Credit Union 6.36% Nil 1000000Investment Lite Fixed 2 yrs 95%Both 619
Police Credit 5.99% Nil 1800000Inv Fixed 2 yrs 95%Both 600
QT Mutual Bank 6.19% Nil No MaxInvestment Fixed 2 yrs 95%Both 644
Queensland Country Credit 6.14% 5/m No MaxInvestment Fixed Rate 2 yrs 95%Both 950
Queensland Country Credit 6.14% 330/a No MaxUltimate Home Loan Investme 95%Both 0
RAMS Home Loans 6.19% 20/m No MaxInv Fixed Rate 2 yrs 95%Both 1020
RESI Mortgage Corp 6.09% Nil 2000000Inv Flexi Fix 2 yrs 95%Both 632.5
SERVICE ONE Members Ba 6.15% 8/m No MaxInvestment Fixed 2 yrs 97%Both 750
SGE Credit Union 6.09% Nil 2000000Investment Standard Fixed 2 y 95%Both 1090
St George Bank 6.14% 10/m No MaxInvestment Fixed 2 yrs 95%Both 700
Suncorp Bank 6.19% 25/m No MaxMy Home Package Investment 95%Both 0
Teachers Credit Union 6.18% Nil 5000000Inv Option Fixed 2 yrs 95%P+I 715
Teachers Credit Union 6.18% Nil 5000000Inv Standard Fixed IO 2 yrs 95%IO 715
The Rock Building Soc 6.13% 5/m 3000000Investment Standard Fixed 2 y 95%Both 800
United Community 6.29% Nil 1000000Investment Parent Fixed 2 yrs 95%Both 945
United Community 6.14% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
United Community 6.29% Nil 2000000Investment Fixed 2 yrs 95%Both 795
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 5INVESTMENT 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
2 YEAR FIXED RATE INVESTMENT HOME LOAN
Victoria Teachers Mutual Ba 6.09% Nil No MaxInterest Only Investment Fixed 95%IO 0
Victoria Teachers Mutual Ba 6.09% Nil No MaxInv Basic Fixed 2 yrs 95%P+I 0
Wagga Mutual Credit Un 6.29% Nil 2000000Investment Parent Fixed 2 yrs 95%Both 945
Wagga Mutual Credit Un 6.29% Nil 2000000Investment Fixed 2 yrs 95%Both 795
Westpac 6.29% 395/a No MaxPremier Advantage Investmen 95%Both 0
Westpac 6.49% 8/m No MaxInvestment Fixed 2 yrs 95%Both 600
Yellow Brick Road 6.37% Nil 2000000Inv Gold Pathway Fixed 2 yrs 90%Both 600
AIMS Home Loans 6.59% 10/m 750000Inv First Option Fixed 2 yrs 85%Both 660
AIMS Home Loans 6.59% Nil 1000000Investment Fixed 2 yrs 85%Both 660
Arab Bank Australia 6.49% 8/m No MaxInvestment Fixed 2 yrs 95%Both 250
B & E Personal Banking 6.69% 10/m No MaxInvestment Fixed 2 yrs 95%Both 650
B & E Personal Banking 6.49% Nil No MaxInv Discount Fixed 2 yrs 95%Both 650
Bank of Cyprus Australia 6.99% 6/m 5000000Investment Standard Fixed 2 y 90%Both 1020
Bank of Melbourne 6.54% 12/m No MaxSuper Fund Fixed 2 yrs 80%Both 1600
BankSA 6.54% 12/m No MaxSuper Fund Fixed 2 yrs 80%Both 1600
Beirut Hellenic Bank 6.50% 10/m No MaxInvestment Fixed 2 yrs 80%Both 980
Big Sky Building Society 6.29% Nil 600000Inv Fixed 2 yrs 90%P+I 610
CairnsPenny Savings&Loan 6.35% 15/q 1000000Inv Standard Fixed 2 yrs 95%Both 660
Coastline Credit Union 6.19% Nil No MaxInvestment Fixed 2 yrs 90%P+I 755
Community Mutual Group 6.29% Nil 1000000Invest Steady Rate HLn Fixed 95%P+I 525
Companion CU 6.29% Nil 1000000Investment Parent Fixed 2 yrs 95%Both 945
First Option CU 6.85% Nil 1000000Investment Standard Fixed 2 y 95%Both 275
Hemisphere Financial 6.22% Nil 1000000Investment Standard Fixed 2 y 95%Both 599
Homeloans 6.54% Nil 2000000Investment Ultra Fixed 2 yrs 95%Both 966
Hunter United Credit Un 6.39% 5/m No MaxInv Fixed 2 yrs 95%P+I 930
LJ Hooker Finance 6.33% Nil 2000000Leveredge Fix Inv 2 yrs 90%P+I 0
Mortgage HOUSE 7.30% Nil No MaxInv Peak Fixed 2 yrs 95%P+I 595
MyState 6.49% Nil 1000000Investment Fixed 2 yrs 97%P+I 952
People's Choice Credit Union 6.29% 8/m No MaxInvestment Fixed 2 yrs 95%Both 900
Qantas Staff CU 6.59% Nil No MaxInv Options Fixed IO 2 yrs 95%Both 600
St George Bank 6.54% 12/m No MaxSuper Fund Fixed 2 yrs 80%Both 1600
Summerland CU 6.39% 8/m No MaxInvestment Standard Fixed 2 y 95%Both 800
The Mutual 6.24% Nil No MaxInv Premium Fixed 2 yrs 95%Both 300
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 5INVESTMENT 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
2 YEAR FIXED RATE INVESTMENT HOME LOAN
TIO Banking 6.14% Nil No MaxEssentials Home Ln Pkg Inves 90%Both 0
TIO Banking 6.14% 10/m No MaxInvestment Essentials Fixed 2 90%Both 1180
Yellow Brick Road 6.47% Nil 2000000Inv Futureproof Fixed 2 yrs 90%Both 745
Adelaide Bank 7.57% 10/m 2000000Investment Smartdoc Fixed 2 80%Both 895
Collins Home Loans 7.30% Nil 2000000Investment Fixed 2 yrs 90%Both 1025
Hemisphere Financial 6.62% Nil 1000000Investment Alt Doc Fixed 2 yrs 80%Both 599
Mortgage HOUSE 7.30% Nil No MaxInv Essential Offset Fixed 2 yr 80%Both 595
Mortgage HOUSE 7.48% 375/a 750000Inv Vantage Offset Fixed 2 yrs 80%P+I 670
Mortgageport Management 6.97% Nil 2000000Inv 2 Year Fixed 2 yrs 90%Both 1235
State Custodians 6.25% Nil 1000000Inv Standard Fixed 2 yrs 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 5INVESTMENT 2 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE INVESTMENT HOME LOAN
"outstanding value"AMP Bank 6.09% Nil No MaxSelect Package Investment Fi 90%Both 895
AMP Bank 6.04% Nil No MaxAffinity Package Investment Fi 90%Both 895
ANZ 6.33% 375/a No MaxBreakfree Investment Fixed 3 90%Both 0
BOQ 5.99% 10/m No MaxInvestment Fixed 3 yrs 95%Both 845
BOQ 5.99% 375/a No MaxHome Loan Privileges Investm 95%Both 0
BOQ 5.99% Nil No MaxShareholder Benefits Investm 95%Both 375
CUA 5.95% Nil 5000000Investment Fixed 3 yrs 80%Both 795
FCCS Credit Union 6.55% Nil No MaxInvestment Value Plus Fixed 3 95%Both 1025
Heritage Bank 6.15% 5/m No MaxInvestment Fixed 3 yrs 95%Both 600
ING DIRECT 6.29% Nil 2000000Investment Fixed 3 yrs 95%Both 719
Macquarie Bank 6.19% 33/m 2000000Premium Inv Premium Fixed 3 90%Both 600
Macquarie Bank 6.19% Nil 2000000Inv Premium Fixed 3 yrs 90%Both 600
Newcastle Permanent 6.14% Nil No MaxInvestment Fixed 3 yrs 95%Both 500
Qld Police Credit Union 6.09% Nil No MaxInvestment Fixed 3 yrs 97%Both 876
ANZ 6.48% 10/m No MaxInvestment Fixed 3 yrs 90%Both 0
Bank of Melbourne 6.09% 395/a No MaxAdvantage Package Investme 95%Both 0
BankSA 6.09% 395/a No MaxAdvantage Package Investme 95%Both 0
Citibank 6.32% 8/m 4000000Investment Standard Fixed 3 y 85%Both 649
Community CPS Australia 6.14% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
Greater Building Society 6.30% Nil No MaxInv Great Rate Fixed 3 yrs 95%Both 500
Heritage Bank 6.15% 300/a No MaxProfessional Package Investm 95%Both 0
HomeSide Lending 6.33% 10/m No MaxInv Fixed Rate Interest Only 3 95%IO 162.5
IMB 6.09% Nil No MaxProfessional Mortgage Invest 80%Both 323.74
LJ Hooker Finance 6.23% 396/a 2000000Kick-Start Plus Fix Inv 3 yrs 95%Both 75
Macquarie Bank 6.19% Nil 2000000Inv Classic IO Fixed 3 yrs 90%IO 600
Macquarie Bank 6.19% Nil 2000000Inv Classic P&I Fixed 3 yrs 90%P+I 0
Mortgage HOUSE 6.40% Nil 2500000Inv Advantage Fixed 3 yrs 90%Both 595
Newcastle Permanent 6.14% 350/a No MaxPremium Plus Package Invest 95%Both 0
Pacific Mortgage Group 6.09% Nil 2000000Investment Fixed 3 yrs 95%P+I 0
RAMS Home Loans 6.29% 20/m No MaxInv Fixed Rate 3 yrs 95%Both 1020
SCU 6.09% Nil No MaxInvestment Standard Fixed 3 y 95%Both 747
St George Bank 6.09% 395/a No MaxAdvantage Package Investme 95%Both 0
Suncorp Bank 6.29% 10/m No MaxInvestment Fixed 3 yrs 95%Both 600
The Rock Building Soc 6.19% 5/m 3000000Investment Standard Fixed 3 y 95%Both 800
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 5INVESTMENT 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE INVESTMENT HOME LOAN
United Community 6.14% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
V Plus Home Loans 5.89% 8/m 2000000Inv Advantage Plus Fixed 3 yr 95%Both 649
Westpac 6.33% 395/a No MaxPremier Advantage Investmen 95%Both 0
A M O Group 6.59% Nil 1000000Investment Fixed 3 yrs 90%Both 1240
Adelaide Bank 6.74% 10/m No MaxInvestment Smartsuite Fixed 3 90%Both 895
AMP Bank 6.19% 349/a 2500000Professional Package Investm 90%Both 0
AMP Bank 6.19% 10/m 2500000Investment Fixed 3 yrs 90%Both 895
Aussie Home Loans 6.19% Nil 2000000Inv Optimizer Fixed 3 yrs 95%Both 700
Austral Mortgage 6.79% Nil 5000000Investment Advantage Plus Fi 95%Both 1095
Bank of Melbourne 6.24% 10/m No MaxInvestment Fixed 3 yrs 95%Both 700
bankmecu 6.39% Nil No MaxInv Fixed 3 yrs 95%P+I 595
BankSA 6.24% 10/m No MaxInvestment Fixed 3 yrs 95%Both 700
Bankwest 6.79% 12/m No MaxInvestment Fixed 3 yrs 95%Both 760
bcu 6.19% Nil 7000000Investment Fixed 3 yrs 95%Both 600
Bendigo Bank 6.34% 8/m No MaxInvestment Fixed 3 yrs 95%P+I 705
Catalyst Mutual 6.24% 8/m No MaxInvestment Fixed 3 yrs 95%Both 900
Commonwealth Bank 6.33% 375/a No MaxWealth Package Investment F 95%Both 200
Commonwealth Bank 6.48% 8/m No MaxInvestment Fixed 3 yrs 95%Both 800
Community CPS Australia 6.29% Nil 2000000Investment Fixed 3 yrs 95%Both 795
Community CPS Australia 6.29% Nil 1000000Investment Parent Fixed 3 yrs 95%Both 945
Community First CU 6.29% Nil 1000000Investment True Fixed 3 yrs 95%Both 1096
Companion CU 6.29% Nil 2000000Investment Fixed 3 yrs 95%Both 795
Companion CU 6.29% Nil 1000000Investment Parent Fixed 3 yrs 95%Both 945
Credit Union SA 6.39% Nil No MaxInvestment Standard Fixed 3 y 90%Both 843.38
CUA 6.25% Nil 5000000Investment Premium Fixed 3 y 97%Both 795
Easy Street Fin Services 6.29% Nil 1000000Investment Easy Street Fixed 95%P+I 500
ECU Australia 6.35% Nil No MaxInvestment Premium Fixed 3 y 95%Both 800
eMoney 6.27% Nil 1000000Inv Fixed Home Loan 3 yrs 90%Both 275
Encompass Credit Union 6.20% Nil 1000000Investment Fixed 3 yrs 95%Both 930
FCCS Credit Union 6.70% Nil No MaxInvestment Value Plus IO Fixe 95%IO 1025
Gateway Credit Union 6.47% Nil No MaxInvestment Fixed 3 yrs 95%Both 745
Greater Building Society 6.25% 325/a No MaxUltimate Home Loan Package 95%Both 0
Holiday Coast CU 6.29% Nil No MaxInv Fixed N Easy 3 yrs 95%Both 535
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 5INVESTMENT 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE INVESTMENT HOME LOAN
Homeloans 6.84% Nil 3500000Investment MoniPower Fixed 95%Both 1066
Homeloans 6.49% Nil 2000000Investment ProSmart Fixed 3 95%Both 1041
Homestar Finance 6.25% Nil 2000000Inv Advantage Fixed 3 yrs 95%Both 0
Horizon Credit Union 6.19% Nil No MaxInvestment Fixed 3 yrs 95%Both 935
HSBC 6.19% Nil 7500000Investment Fixed 3 yrs 90%Both 850
Hume Building Society 6.30% Nil No MaxInvestment Fixed 3 yrs 95%Both 750
Illawarra CU NSW 6.24% 8/m No MaxInvestment Fixed 3 yrs 95%Both 900
IMB 6.19% 6/m No MaxInvestment Fixed 3 yrs 80%Both 768.74
IMB 6.09% 360/a No MaxProfessional Mortgage Plus In 80%Both 323.74
LJ Hooker Finance 6.43% Nil 2000000Kick-Start Fix Inv 3 yrs 95%Both 75
Maritime Mining & Power 6.28% Nil No MaxInv Standard Fixed 3 yrs 90%Both 1100
ME Bank 6.19% Nil No MaxInvestment SuperMember Fix 95%Both 300
MyRate 6.35% Nil 2000000Investment Fixed 3 yrs 95%Both 0
nab 6.43% 8/m No MaxInv Standard Fixed 3 yrs 95%Both 600
nab 6.33% 395/a No MaxChoice Package Inv Standard 95%Both 0
nab 6.33% 750/a No MaxPrivate Tailored Pkg Inv Stand 95%Both 0
nab 6.53% 8/m No MaxInv Tailored Fixed IO 3 yrs 95%IO 600
nab 6.43% 395/a No MaxChoice Package Inv Tailored 95%IO 0
nab 6.43% 750/a No MaxPrivate Tailored Pkg Inv Tailor 95%IO 0
Northern Beaches CU 6.04% Nil No MaxInvestment Fixed Rate 3 yrs 95%P+I 1390
People's Choice Credit Union 6.29% 8/m No MaxInvestment Fixed 3 yrs 95%Both 900
Police Credit 6.34% Nil 1800000Inv Fixed 3 yrs 95%Both 600
Police Credit Union 6.29% Nil No MaxInvestment Home Loan Fixed 95%Both 1045
QT Mutual Bank 6.29% Nil No MaxInvestment Fixed 3 yrs 95%Both 644
RESI Mortgage Corp 6.61% Nil 2000000Inv Smart Pro 3yr Fixed 3 yrs 95%Both 632.5
Select Credit Union 6.17% Nil No MaxInvestment Super Loan Fixed 95%Both 547
SERVICE ONE Members Ba 6.40% 8/m No MaxInvestment Fixed 3 yrs 97%Both 750
SGE Credit Union 6.29% Nil 2000000Investment Standard Fixed 3 y 95%Both 1090
St George Bank 6.24% 10/m No MaxInvestment Fixed 3 yrs 95%Both 700
State Custodians 6.31% Nil 1000000Inv Standard Fixed 3 yrs 95%Both 0
Suncorp Bank 6.29% 25/m No MaxMy Home Package Investment 95%Both 0
Teachers Credit Union 6.35% Nil 5000000Inv Option Fixed 3 yrs 95%P+I 715
Teachers Credit Union 6.35% Nil 5000000Inv Standard Fixed IO 3 yrs 95%IO 715
Unicredit-WA 6.20% Nil No MaxInvestment Fixed 3 yrs 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 5INVESTMENT 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE INVESTMENT HOME LOAN
United Community 6.29% Nil 2000000Investment Fixed 3 yrs 95%Both 795
United Community 6.29% Nil 1000000Investment Parent Fixed 3 yrs 95%Both 945
V Plus Home Loans 6.19% 8/m 2000000Inv Basic Fixed 3 yrs 90%Both 649
Victoria Teachers Mutual Ba 6.33% Nil No MaxInv Offset Fixed 3 yrs 95%Both 0
Victoria Teachers Mutual Ba 6.33% Nil No MaxInv Basic Fixed 3 yrs 95%P+I 0
Victoria Teachers Mutual Ba 6.33% Nil No MaxInterest Only Investment Fixed 95%IO 0
Wagga Mutual Credit Un 6.29% Nil 2000000Investment Parent Fixed 3 yrs 95%Both 945
Wagga Mutual Credit Un 6.29% Nil 2000000Investment Fixed 3 yrs 95%Both 795
Westpac 6.53% 8/m No MaxInvestment Fixed 3 yrs 95%Both 600
Yellow Brick Road 6.37% Nil 2000000Inv Gold Pathway Fixed 3 yrs 90%Both 600
AIMS Home Loans 6.64% 10/m 750000Inv First Option Fixed 3 yrs 85%Both 660
AIMS Home Loans 6.64% Nil 1000000Investment Fixed 3 yrs 85%Both 660
Arab Bank Australia 6.49% 8/m No MaxInvestment Fixed 3 yrs 95%Both 250
B & E Personal Banking 6.49% Nil No MaxInv Discount Fixed 3 yrs 95%Both 650
B & E Personal Banking 6.69% 10/m No MaxInvestment Fixed 3 yrs 95%Both 650
Bank of Melbourne 6.64% 12/m No MaxSuper Fund Fixed 3 yrs 80%Both 1600
BankSA 6.64% 12/m No MaxSuper Fund Fixed 3 yrs 80%Both 1600
Big Sky Building Society 6.39% Nil 600000Inv Fixed 3 yrs 90%P+I 610
CairnsPenny Savings&Loan 6.40% 15/q 1000000Inv Standard Fixed 3 yrs 95%Both 660
Collins Home Loans 6.64% Nil 2000000Investment Fixed 3 yrs 90%Both 1025
First Option CU 6.80% Nil 1000000Investment Standard Fixed 3 y 95%Both 275
Greater Building Society 6.65% Nil No MaxInv Standard Fixed 3 yrs 95%Both 500
Hemisphere Financial 6.28% Nil 1000000Investment Standard Fixed 3 y 95%Both 599
Homeloans 6.62% Nil 2000000Investment Ultra Fixed 3 yrs 95%Both 966
LJ Hooker Finance 6.33% Nil 2000000Leveredge Plus Fix Inv 3 yrs 90%P+I 0
LJ Hooker Finance 6.43% Nil 2000000Leveredge Fix Inv 3 yrs 90%P+I 0
ME Bank 6.69% Nil No MaxInvestment Fixed 3 yrs 95%Both 300
MyState 6.64% Nil 1000000Investment Fixed 3 yrs 97%P+I 952
People's Choice Credit Union 6.56% Nil 1000000Investment Lite Fixed 3 yrs 95%Both 619
Qantas Staff CU 6.59% Nil No MaxInv Options Fixed IO 3 yrs 95%Both 600
St George Bank 6.64% 12/m No MaxSuper Fund Fixed 3 yrs 80%Both 1600
Summerland CU 6.39% 8/m No MaxInvestment Standard Fixed 3 y 95%Both 800
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 5INVESTMENT 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
3 YEAR FIXED RATE INVESTMENT HOME LOAN
The Capricornian 6.40% 385/a 750000My First Home Loan Inv Fixed 95%Both 0
The Capricornian 6.55% Nil 1000000Inv Fixed 3 yrs 95%Both 250
The Capricornian 6.40% 385/a 2000000My Advantage Inv Fixed 3 yrs 95%Both 0
The Mutual 6.34% Nil No MaxInv Premium Fixed 3 yrs 95%Both 300
TIO Banking 6.29% 10/m No MaxInvestment Essentials Fixed 3 90%Both 1180
TIO Banking 6.29% Nil No MaxEssentials Home Ln Pkg Inves 90%Both 0
UBank 5.98% Nil 1000000Inv UHomeLoan Fxd (for refin 80%Both 0
Yellow Brick Road 6.47% Nil 2000000Inv Futureproof Fixed 3 yrs 90%Both 745
Adelaide Bank 7.74% 10/m 2000000Investment Smartdoc Fixed 3 80%Both 895
Bank of Cyprus Australia 7.07% 6/m 5000000Investment Standard Fixed 3 y 90%Both 1020
Beirut Hellenic Bank 6.60% 10/m No MaxInvestment Fixed 3 yrs 80%Both 980
Community Mutual Group 6.44% Nil 1000000Invest Steady Rate HLn Fixed 95%P+I 525
Hemisphere Financial 6.68% Nil 1000000Investment Alt Doc Fixed 3 yrs 80%Both 599
Mortgage HOUSE 7.60% Nil No MaxInv Peak Fixed 3 yrs 95%P+I 595
Mortgage HOUSE 7.55% 375/a 750000Inv Vantage Offset Fixed 3 yrs 80%P+I 670
Mortgage HOUSE 7.60% Nil No MaxInv Essential Offset Fixed 3 yr 80%Both 595
your guide to product excellence
Rates are correct as at 13th March 2012 Page 5 of 5INVESTMENT 3 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE INVESTMENT HOME LOAN
"outstanding value"ANZ 6.64% 375/a No MaxBreakfree Investment Fixed 5 90%Both 0
CUA 6.69% Nil 5000000Investment Fixed 5 yrs 80%Both 795
FCCS Credit Union 6.85% Nil No MaxInvestment Value Plus Fixed 5 95%Both 1025
Greater Building Society 6.75% Nil No MaxInv Great Rate Fixed 5 yrs 95%Both 500
Heritage Bank 6.55% 300/a No MaxProfessional Package Investm 95%Both 0
Heritage Bank 6.55% 5/m No MaxInvestment Fixed 5 yrs 95%Both 600
ING DIRECT 6.89% Nil 2000000Investment Fixed 5 yrs 95%Both 719
Macquarie Bank 6.69% Nil 2000000Inv Premium Fixed 5 yrs 90%Both 600
Mortgage HOUSE 6.80% Nil 2500000Inv Advantage Fixed 5 yrs 90%Both 595
Newcastle Permanent 6.64% Nil No MaxInvestment Fixed 5 yrs 95%Both 500
Qld Police Credit Union 6.69% Nil No MaxInvestment Fixed 5 yrs 97%Both 876
V Plus Home Loans 6.54% 8/m 2000000Inv Advantage Plus Fixed 5 yr 95%Both 649
ANZ 6.79% 10/m No MaxInvestment Fixed 5 yrs 90%Both 0
Bank of Melbourne 6.69% 395/a No MaxAdvantage Package Investme 95%Both 0
Catalyst Mutual 6.64% 8/m No MaxInvestment Fixed 5 yrs 95%Both 900
Citibank 6.60% 8/m 4000000Investment Standard Fixed 5 y 85%Both 649
Commonwealth Bank 6.74% 375/a No MaxWealth Package Investment F 95%Both 200
Community CPS Australia 6.64% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
HomeSide Lending 6.74% 10/m No MaxInv Fixed Rate Interest Only 5 95%IO 162.5
Hume Building Society 6.75% Nil No MaxInvestment Fixed 5 yrs 95%Both 750
Illawarra CU NSW 6.64% 8/m No MaxInvestment Fixed 5 yrs 95%Both 900
IMB 6.59% Nil No MaxProfessional Mortgage Invest 80%Both 323.74
Macquarie Bank 6.69% 33/m 2000000Premium Inv Premium Fixed 5 90%Both 600
Macquarie Bank 6.69% Nil 2000000Inv Classic P&I Fixed 5 yrs 90%P+I 0
ME Bank 6.69% Nil No MaxInvestment SuperMember Fix 95%Both 300
nab 6.84% 8/m No MaxInv Standard Fixed 5 yrs 95%Both 600
nab 6.74% 395/a No MaxChoice Package Inv Standard 95%Both 0
Newcastle Permanent 6.64% 350/a No MaxPremium Plus Package Invest 95%Both 0
Unicredit-WA 6.70% Nil No MaxInvestment Fixed 5 yrs 95%Both 0
United Community 6.64% Nil No MaxPinnacle +Plus Pkg Investmen 95%Both 0
Victoria Teachers Mutual Ba 6.74% Nil No MaxInv Offset Fixed 5 yrs 95%Both 0
Westpac 6.79% 395/a No MaxPremier Advantage Investmen 95%Both 0
your guide to product excellence
Rates are correct as at 13th March 2012 Page 1 of 4INVESTMENT 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE INVESTMENT HOME LOAN
A M O Group 6.99% Nil 1000000Investment Fixed 5 yrs 90%Both 1240
Adelaide Bank 7.09% 10/m No MaxInvestment Smartsuite Fixed 5 90%Both 895
AIMS Home Loans 6.92% 10/m 750000Inv First Option Fixed 5 yrs 85%Both 660
AIMS Home Loans 6.92% Nil 1000000Investment Fixed 5 yrs 85%Both 660
AMP Bank 6.54% Nil No MaxAffinity Package Investment Fi 90%Both 895
AMP Bank 6.69% 10/m 2500000Investment Fixed 5 yrs 90%Both 895
AMP Bank 6.69% 349/a 2500000Professional Package Investm 90%Both 0
AMP Bank 6.59% Nil No MaxSelect Package Investment Fi 90%Both 895
Aussie Home Loans 6.69% Nil 2000000Inv Optimizer Fixed 5 yrs 95%Both 700
Austral Mortgage 7.14% Nil 5000000Investment Advantage Plus Fi 95%Both 1095
Bank of Melbourne 6.84% 10/m No MaxInvestment Fixed 5 yrs 95%Both 700
BankSA 6.69% 395/a No MaxAdvantage Package Investme 95%Both 0
BankSA 6.84% 10/m No MaxInvestment Fixed 5 yrs 95%Both 700
Bankwest 7.09% 12/m No MaxInvestment Fixed 5 yrs 95%Both 760
bcu 6.69% Nil 7000000Investment Fixed 5 yrs 95%Both 600
Bendigo Bank 6.89% 8/m No MaxInvestment Fixed 5 yrs 95%P+I 705
BOQ 6.89% 375/a No MaxHome Loan Privileges Investm 95%Both 0
BOQ 6.89% 10/m No MaxInvestment Fixed 5 yrs 95%Both 845
BOQ 6.89% Nil No MaxShareholder Benefits Investm 95%Both 375
Commonwealth Bank 6.89% 8/m No MaxInvestment Fixed 5 yrs 95%Both 800
Community CPS Australia 6.79% Nil 2000000Investment Fixed 5 yrs 95%Both 795
Community CPS Australia 6.79% Nil 1000000Investment Parent Fixed 5 yrs 95%Both 945
Companion CU 6.79% Nil 2000000Investment Fixed 5 yrs 95%Both 795
Companion CU 6.79% Nil 1000000Investment Parent Fixed 5 yrs 95%Both 945
CUA 6.89% Nil 5000000Investment Premium Fixed 5 y 97%Both 795
ECU Australia 7.09% Nil No MaxInvestment Premium Fixed 5 y 95%Both 800
Encompass Credit Union 6.90% Nil 1000000Investment Fixed 5 yrs 95%Both 930
FCCS Credit Union 7.00% Nil No MaxInvestment Value Plus IO Fixe 95%IO 1025
Greater Building Society 7.10% Nil No MaxInv Standard Fixed 5 yrs 95%Both 500
Greater Building Society 6.70% 325/a No MaxUltimate Home Loan Package 95%Both 0
Holiday Coast CU 6.99% Nil No MaxInv Fixed N Easy 5 yrs 95%Both 535
Homeloans 7.29% Nil 3500000Investment MoniPower Fixed 95%Both 1066
Homeloans 7.19% Nil 2000000Investment ProSmart Fixed 5 95%Both 1041
Homestar Finance 6.85% Nil 2000000Inv Advantage Fixed 5 yrs 95%Both 0
HSBC 6.65% Nil 7500000Investment Fixed 5 yrs 90%Both 850
your guide to product excellence
Rates are correct as at 13th March 2012 Page 2 of 4INVESTMENT 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
SUPERSEDED
home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE INVESTMENT HOME LOAN
IMB 6.69% 6/m No MaxInvestment Fixed 5 yrs 80%Both 768.74
IMB 6.59% 360/a No MaxProfessional Mortgage Plus In 80%Both 323.74
Macquarie Bank 6.69% Nil 2000000Inv Classic IO Fixed 5 yrs 90%IO 600
Maritime Mining & Power 6.88% Nil No MaxInv Standard Fixed 5 yrs 90%Both 1100
MyRate 6.95% Nil 2000000Investment Fixed 5 yrs 95%Both 0
nab 6.74% 750/a No MaxPrivate Tailored Pkg Inv Stand 95%Both 0
nab 6.94% 8/m No MaxInv Tailored Fixed IO 5 yrs 95%IO 600
nab 6.84% 395/a No MaxChoice Package Inv Tailored 95%IO 0
nab 6.84% 750/a No MaxPrivate Tailored Pkg Inv Tailor 95%IO 0
Pacific Mortgage Group 6.47% Nil 2000000Investment Fixed 5 yrs 95%P+I 0
People's Choice Credit Union 6.79% 8/m No MaxInvestment Fixed 5 yrs 95%Both 900
RAMS Home Loans 6.75% 20/m No MaxInv Fixed Rate 5 yrs 95%Both 1020
SCU 6.75% Nil No MaxInvestment Standard Fixed 5 y 95%Both 747
SERVICE ONE Members Ba 6.85% 8/m No MaxInvestment Fixed 5 yrs 97%Both 750
SGE Credit Union 6.79% Nil 2000000Investment Standard Fixed 5 y 95%Both 1090
St George Bank 6.69% 395/a No MaxAdvantage Package Investme 95%Both 0
St George Bank 6.84% 10/m No MaxInvestment Fixed 5 yrs 95%Both 700
Suncorp Bank 6.95% 10/m No MaxInvestment Fixed 5 yrs 95%Both 600
Suncorp Bank 6.95% 25/m No MaxMy Home Package Investment 95%Both 0
The Rock Building Soc 6.85% 5/m 3000000Investment Standard Fixed 5 y 95%Both 800
TIO Banking 6.79% Nil No MaxEssentials Home Ln Pkg Inves 90%Both 0
United Community 6.79% Nil 1000000Investment Parent Fixed 5 yrs 95%Both 945
United Community 6.79% Nil 2000000Investment Fixed 5 yrs 95%Both 795
V Plus Home Loans 6.75% 8/m 2000000Inv Basic Fixed 5 yrs 90%Both 649
Victoria Teachers Mutual Ba 6.74% Nil No MaxInterest Only Investment Fixed 95%IO 0
Victoria Teachers Mutual Ba 6.74% Nil No MaxInv Basic Fixed 5 yrs 95%P+I 0
Wagga Mutual Credit Un 6.79% Nil 2000000Investment Parent Fixed 5 yrs 95%Both 945
Wagga Mutual Credit Un 6.79% Nil 2000000Investment Fixed 5 yrs 95%Both 795
Westpac 6.99% 8/m No MaxInvestment Fixed 5 yrs 95%Both 600
Arab Bank Australia 6.99% 8/m No MaxInvestment Fixed 5 yrs 95%Both 250
B & E Personal Banking 7.19% Nil No MaxInv Discount Fixed 5 yrs 95%Both 650
Bank of Cyprus Australia 7.40% 6/m 5000000Investment Standard Fixed 5 y 90%Both 1020
Bank of Melbourne 7.24% 12/m No MaxSuper Fund Fixed 5 yrs 80%Both 1600
BankSA 7.24% 12/m No MaxSuper Fund Fixed 5 yrs 80%Both 1600
your guide to product excellence
Rates are correct as at 13th March 2012 Page 3 of 4INVESTMENT 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
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home loan star ratings
Text218: SECTION 1. SUMMARY REPORT
PublishedRate (%)
Product 100%
O
ffset a
/c
Ava
ilable
Max LVRLoan Fees ($250k) Max Loan
Upfront
Principal+Interest, Interest
OnlyOngoing
Company Extra Payments
Allowed
RED
RAW
AVAIL
AB
LE
5 YEAR FIXED RATE INVESTMENT HOME LOAN
Big Sky Building Society 6.89% Nil 600000Inv Fixed 5 yrs 90%P+I 610
Collins Home Loans 7.14% Nil 2000000Investment Fixed 5 yrs 90%Both 1025
Community Mutual Group 6.94% Nil 1000000Invest Steady Rate HLn Fixed 95%P+I 525
eMoney 6.90% Nil 1000000Inv Fixed Home Loan 5 yrs 90%Both 275
Hemisphere Financial 6.63% Nil 1000000Investment Standard Fixed 5 y 95%Both 599
Horizon Credit Union 6.99% Nil No MaxInvestment Fixed 5 yrs 95%Both 935
ME Bank 7.19% Nil No MaxInvestment Fixed 5 yrs 95%Both 300
MyState 7.15% Nil 1000000Investment Fixed 5 yrs 97%P+I 952
People's Choice Credit Union 7.02% Nil 1000000Investment Lite Fixed 5 yrs 95%Both 619
Police Credit 6.94% Nil 1800000Inv Fixed 5 yrs 95%Both 600
Police Credit Union 7.28% Nil No MaxInvestment Home Loan Fixed 95%Both 1045
RESI Mortgage Corp 7.17% Nil 2000000Inv Smart Pro Fixed 5 yrs 95%Both 632.5
St George Bank 7.24% 12/m No MaxSuper Fund Fixed 5 yrs 80%Both 1600
State Custodians 6.66% Nil 1000000Inv Standard Fixed 5 yrs 95%Both 0
Summerland CU 6.85% 8/m No MaxInvestment Standard Fixed 5 y 95%Both 800
The Capricornian 7.25% Nil 1000000Inv Fixed 5 yrs 95%Both 250
The Capricornian 7.10% 385/a 2000000My Advantage Inv Fixed 5 yrs 95%Both 0
The Capricornian 7.10% 385/a 750000My First Home Loan Inv Fixed 95%Both 0
TIO Banking 6.79% 10/m No MaxInvestment Essentials Fixed 5 90%Both 1180
UBank 6.84% Nil 1000000Inv UHomeLoan Fxd (for refin 80%Both 0
Adelaide Bank 8.09% 10/m 2000000Investment Smartdoc Fixed 5 80%Both 895
B & E Personal Banking 7.39% 10/m No MaxInvestment Fixed 5 yrs 95%Both 650
Hemisphere Financial 7.03% Nil 1000000Investment Alt Doc Fixed 5 yrs 80%Both 599
Homeloans 7.29% Nil 2000000Investment Ultra Fixed 5 yrs 95%Both 966
Mortgage HOUSE 7.95% Nil No MaxInv Essential Offset Fixed 5 yr 80%Both 595
Mortgage HOUSE 7.93% 375/a 750000Inv Vantage Offset Fixed 5 yrs 80%P+I 670
Mortgage HOUSE 7.95% Nil No MaxInv Peak Fixed 5 yrs 95%P+I 595
your guide to product excellence
Rates are correct as at 13th March 2012 Page 4 of 4INVESTMENT 5 YEAR FIXEDAnalysis based on six months from October 2011 to March 2012
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YOUR GUIDE TO PRODUCT EXCELLENCE
What is the CANSTAR home loan star ratings? CANSTAR home loan star ratings is a sophisticated and unique ratings methodology that compares both Cost and Features across home loan products. CANSTAR star ratings represent a shortlist of financial products, enabling consumers to narrow their search to products that have been independently assessed and ranked. CANSTAR home loan star ratings is a transparent analysis comparing all types of home loan products. Ratings range from five to one star. Five-star rated products have been assessed as offering outstanding value to consumers. Rising Stars are products that would be rated 5-star but have not been in the market for six months; these products will be formally rated in the following report once more historical data is available. What types of products are evaluated by CANSTAR home loan star ratings? The following are assessed in the ratings, in the form of 11 different borrower profiles:
• Standard Home Loans
• Investment Home Loans
• 1, 2, 3 and 5 year Fixed Home Loans
• 1, 2, 3 and 5 year Investment Fixed Home Loans
• Line of Credit
How are the ‘stars’ calculated?
Each home loan reviewed for the CANSTAR home loan star ratings is awarded points for its comparative Pricing and for the array of positive Features attached to the product. Points are aggregated to achieve a Pricing score and a Feature score. To arrive at the total score CANSTAR applies a weight (w) against the Pricing and Feature scores. This weight will vary from profile to profile and will reflect the relative importance of either costs or features in determining the best home loan product. This method can be summarised as:
TOTAL SCORE = PRICING + FEATURES SCORE
METHODOLOGY
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YOUR GUIDE TO PRODUCT EXCELLENCE 2
Indexed ScoreProduct with the best pricing or features will receive a full score
Pricing60-85%
Feature15-40%
Total Cost
Product Features
Product Category Pricing Weighting Feature Weighting
Residential Variable 75% 25% Investment Variable 80% 20% Residential Fixed Rate 85% 15% Investment Fixed Rate 85% 15% Revolving Line of Credit 60% 40%
Pricing Score
CANSTAR accounts for both current and historical AAPR in the calculation of the PRICING component of each product’s overall score. Each of the 6 months is weighted equally to arrive at the average AAPR over the last 6 months.
Pricing60-85%
Total Cost
Pricing Scores are based on the total cost for a scenario of a $250,000 loan repaid over 25 years and a $500,000 loan repaid over 25 years. Cost includes interest cost, upfront, ongoing and discharge fees. For fixed rate loans, it is assumed that at the end of each fixed interest period the borrower will re-fix their loan for the life of the loan.
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YOUR GUIDE TO PRODUCT EXCELLENCE 3
Feature Score FEATURES consist of the following sections:
FEATURE CATEGORIES WEIGHTINGS
HOME LOAN PROFILE
VARIABLE INVESTMENT
VARIABLE FIXED INVESTMENT
FIXED LINE OF CREDIT
LENDING TERMS 25% 25% 25% 25% 24% Details of lending eg Max and Min Loan Amounts, LVR, Repayment term options
SPLIT LOANS 9% 9% 8% 8% 8% Splitting options inc max and min split numbers
SWITCH FEES 9% 9% 9% 9% 7% Fees to switch between loan types ADDITIONAL REPAYMENTS 9% 5% 7% 5% 4% Regulations on amount and number of
additional repayments OFFSET FACILITY 13%* 7.5% 8%* 4% 0% Availability and access of offset account TRANSACTIONAL HOME LOANS 13%* 7.5% 8%* 4% 13% Method, size and cost of redraws where
available BOTH OFFSET & TRANSACTIONAL AVAILABLE?
2% 2% 2% 1% 0% Bonus awarded if both Offset and Transactional facilities available.
HOME LOAN FEES 5% 5% 5% 5% 5% Refund of fees and arrears fees details CONSTRUCTION LOANS 4% 5% 2% 2% 1% Availability and costs associated with
progressive draws LENDING AREAS 4% 4% 4% 4% 4% Lending availability in each state SECURITY / EQUITY / GUARANTEE OPTIONS
5% 2% 3% 2% 2% Conditions of guarantor and security provision
TOP UP LOAN FACILITIES 4% 4% 4% 4% 4% Availability and cost of topping up loan
PORTABILITY 3% 4% 3% 3% 3% Availability and cost of transferring loan SECURITY REQUIREMENTS 3% 4% 3% 3% 4% Loan approval requirements eg pay slip
and applicability of overseas income CHANNEL AVAILABILITY 2% 2% 2% 2% 2% Acceptable application methods eg
broker, online, branch LOAN APPROVED BUT NOT DRAWN 2% 2% 2% 2% 2% Fees and length of time for which loan is
not drawn
LOAN PURPOSE 0% 0% 0% 0% 4% Available for business, personal or any legal purpose
BORROWING ENTITY 1% 3% 1% 2% 2% Available to individual, company or trust
FIXED INTEREST DETAILS 0% 0% 12% 10% 0% Rate set time, guarantee period, break
cost refunds ABILITY TO PRE-PAY INTEREST 0% 0% 0% 5% 0% Can interest be paid in advance?
LINE OF CREDIT DETAILS 0% 0% 0% 0% 11% Interest paid when in credit details
TOTAL 100% 100% 100% 100% 100%
How many products and financial institutions are analysed? In order to calculate the ratings, CANSTAR analysed 1,528 home loan products from 115 financial institutions in Australia. How often are all the products reviewed for rating purposes? All ratings are fully recalculated every six months based on the latest features offered by each provider. CANSTAR also monitors changes on an ongoing basis. The results are published in a variety of mediums (newspapers, magazines, television, websites etc).
How are the stars awarded? The total score received for each profile ranks the products. The stars are then awarded based on the distribution of the scores with the objective to award the top 5-10% of products with the CANSTAR 5-star rating.
* For Offset and Transactional categories, higher score of the two is assigned.
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The results are reflected in a consumer-friendly CANSTAR star rating concept, with five stars denoting outstanding value. Does CANSTAR rate other product areas? CANSTAR also rates the suite of banking and insurance products listed below. These star ratings use similar methodologies to guarantee quality, consistency and transparency. The use of similar star ratings logos also builds consumer recognition of quality products across all categories. Please access the CANSTAR website www.canstar.com.au if you would like to view the latest CANSTAR star ratings reports of interest.
COPYRIGHT© CANSTAR Pty Ltd ABN 21 053 646 165, 2008. The recipient must not reproduce or transmit to third parties the whole or any part of this work, whether attributed to CANSTAR or not, unless with prior written permission from CANSTAR, which if provided, may be provided on conditions. DISCLAIMER To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Pty Ltd ABN 21 053 646 165 AFSL 312804 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR’s FSG for more information at www.canstar.com.au. .
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