superseded - canstar … · • 1,961 home loans • from 115 lenders to compile 5-star fixed &...

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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. .

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SUPERSEDED

http://www.canstar.com.au/

home loan star ratings

Text218: SECTION 1. SUMMARY REPORT

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"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

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"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



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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



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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



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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



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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



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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



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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


6.79% Nil 50000Interest Only Investment Variable 95%IO 0


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



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ilable

Max LVR


Upfront


OnlyOngoing


Available

Porta

bility


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



SUPERSEDED



PublishedRate (%)

$250k

Product 100%

O

ffset a

/c

Ava

ilable

Max LVR


Upfront


OnlyOngoing


Available

Porta

bility


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


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



SUPERSEDED



PublishedRate (%)

$250k

Product 100%

O

ffset a

/c

Ava

ilable

Max LVR


Upfront


OnlyOngoing


Available

Porta

bility


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



SUPERSEDED



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


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



PublishedRate (%)



UpfrontIn

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Capita

lisatio

n

Ongoing


Spllit F

acility


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



SUPERSEDED



PublishedRate (%)



UpfrontIn

tere

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Capita

lisatio

n

Ongoing


Spllit F

acility


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


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



SUPERSEDED



PublishedRate (%)



UpfrontIn

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Capita

lisatio

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Ongoing


Spllit F

acility


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


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


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


6.99% 100/a No MaxLine of Credit 80% Annual950



SUPERSEDED



PublishedRate (%)



UpfrontIn

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Capita

lisatio

n

Ongoing


Spllit F

acility


The Capricornian 7.39% Nil 1000000Mortgageline 95% N/A250



SUPERSEDED



PublishedRate (%)

$250k

Product 100%

O

ffset a

/c

Ava

ilable

Max LVRLoan Fees ($250k) Min Loan

Upfront


OnlyOngoing


Available

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VARIABLE RATE HOME LOAN

Redra

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"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


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



PublishedRate (%)

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Product 100%

O

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Ava

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Upfront


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Available

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"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



SUPERSEDED



PublishedRate (%)

$250k

Product 100%

O

ffset a

/c

Ava

ilable


Upfront


OnlyOngoing


Available

Porta

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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



SUPERSEDED



PublishedRate (%)

$250k

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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



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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



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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



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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


6.59% 330/a 150000Ultimate Home Loan Variable Rate 150K+ 95%Both 0

Queenslanders CU 6.68% Nil 50000Original Home Loan 95%Both 595



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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


7.10% 8/m No minStandard Variable 97%Both 750


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


6.49% Nil No minBasic Variable 95%P+I 0


6.99% Nil No minOffset Variable 95%Both 0



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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



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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


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



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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



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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


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

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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



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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



SUPERSEDED



PublishedRate (%)

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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



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"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


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


V Plus Home Loans 5.69% 8/m 2000000Advantage Plus Fixed 2 yrs 95%Both 649


Austral Mortgage 6.59% Nil 5000000Advantage Plus Fixed 2 yrs 95%Both 1095



Catalyst Mutual 6.14% Nil No MaxResidential Fixed 2 yrs 95%Both 900



CUA 5.95% Nil 5000000Residential Fixed 2 yrs 80%Both 795


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


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




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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


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



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


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



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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


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 6.39% 8/m No MaxTailored Fixed IO 2 yrs 95%IO 600


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


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


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



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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 6.49% 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



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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



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"outstanding value"AMP Bank 6.04% Nil No MaxAffinity Package Residential Fi 90%Both 895


ANZ 6.33% 375/a No MaxBreakfree Residential Fixed 3 90%Both 0










Qld Police Credit Union 6.09% Nil No MaxResidential Fixed 3 yrs 97%Both 876

















ME Bank 6.19% Nil No MaxSuper Member Fixed 3 yrs 95%P+I 300







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bankmecu 6.39% Nil No MaxResidential Fixed 3 yrs 95%P+I 595









Community First CU 6.29% Nil 1000000True Fixed 3 yrs 95%Both 1096



Credit Union SA 6.39% Nil No MaxStandard Fixed 3 yrs 95%Both 843.38


Easy Street Fin Services 6.29% Nil 1000000Easy Street Fixed 3 yrs 95%P+I 500




Gateway Credit Union 6.47% Nil No MaxResidential Fixed 3 yrs 95%Both 745


Greater Building Society 6.25% 325/a No MaxUltimate Home Loan Package 95%Both 0






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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










Northern Beaches CU 6.04% Nil No MaxFixed Rate 3 yrs 95%P+I 1390



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


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






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






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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








CairnsPenny Savings&Loan 6.40% 15/q 1000000Standard Fixed 3 yrs 95%P+I 660



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



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




Qantas Staff CU 6.59% Nil No MaxOptions Fixed 3 yrs 95%Both 600


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



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Beirut Hellenic Bank 6.60% 10/m No MaxResidential Fixed 3 yrs 80%Both 980








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"outstanding value"ANZ 6.64% 375/a No MaxBreakfree Residential Fixed 5 90%Both 0











Qld Police Credit Union 6.69% Nil No MaxResidential Fixed 5 yrs 97%Both 876











ME Bank 6.69% Nil No MaxSuper Member Fixed 5 yrs 95%P+I 300












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AMP Bank 6.54% Nil No MaxAffinity Package Residential Fi 90%Both 895



































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Police&NursesMut Banking 6.70% 5/m No MaxResidential Fixed 5 yrs 95%Both 650
























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ME Bank 7.19% Nil No MaxResidential Fixed 5 yrs 95%P+I 300




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




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












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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


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

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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



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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



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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



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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



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"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


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


ING DIRECT 6.14% Nil 2000000Investment Fixed 2 yrs 95%Both 719


Macquarie Bank 6.19% Nil 2000000Inv Premium Fixed 2 yrs 90%Both 600


Newcastle Permanent 5.99% Nil No MaxInvestment Fixed 2 yrs 95%Both 500








CUA 5.95% Nil 5000000Investment Fixed 2 yrs 80%Both 795



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


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


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



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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


AMP Bank 6.14% 10/m 2500000Investment Fixed 2 yrs 90%Both 895


Aussie Home Loans 6.29% Nil 2000000Inv Optimizer Fixed 2 yrs 95%Both 700


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% 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 6.29% 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


Easy Street Fin Services 6.29% Nil 1000000Investment Easy Street Fixed 95%P+I 500


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


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



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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% 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 6.39% 8/m No MaxInv Tailored Fixed IO 2 yrs 95%IO 600



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


St George Bank 6.14% 10/m No MaxInvestment Fixed 2 yrs 95%Both 700


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


United Community 6.29% Nil 1000000Investment Parent Fixed 2 yrs 95%Both 945


United Community 6.29% Nil 2000000Investment Fixed 2 yrs 95%Both 795



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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 6.49% 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 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


Companion CU 6.29% Nil 1000000Investment Parent Fixed 2 yrs 95%Both 945



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


The Mutual 6.24% Nil No MaxInv Premium Fixed 2 yrs 95%Both 300



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Yellow Brick Road 6.47% Nil 2000000Inv Futureproof Fixed 2 yrs 90%Both 745


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 7.48% 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



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"outstanding value"AMP Bank 6.09% Nil No MaxSelect Package Investment Fi 90%Both 895


ANZ 6.33% 375/a No MaxBreakfree Investment Fixed 3 90%Both 0











Qld Police Credit Union 6.09% Nil No MaxInvestment Fixed 3 yrs 97%Both 876










LJ Hooker Finance 6.23% 396/a 2000000Kick-Start Plus Fix Inv 3 yrs 95%Both 75













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bankmecu 6.39% Nil No MaxInv Fixed 3 yrs 95%P+I 595










Community First CU 6.29% Nil 1000000Investment True Fixed 3 yrs 95%Both 1096



Credit Union SA 6.39% Nil No MaxInvestment Standard Fixed 3 y 90%Both 843.38


Easy Street Fin Services 6.29% Nil 1000000Investment Easy Street Fixed 95%P+I 500





Gateway Credit Union 6.47% Nil No MaxInvestment Fixed 3 yrs 95%Both 745





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LJ Hooker Finance 6.43% Nil 2000000Kick-Start Fix Inv 3 yrs 95%Both 75










Northern Beaches CU 6.04% Nil No MaxInvestment Fixed Rate 3 yrs 95%P+I 1390



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






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




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Yellow Brick Road 6.37% Nil 2000000Inv Gold Pathway Fixed 3 yrs 90%Both 600









CairnsPenny Savings&Loan 6.40% 15/q 1000000Inv Standard Fixed 3 yrs 95%Both 660






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



Qantas Staff CU 6.59% Nil No MaxInv Options Fixed IO 3 yrs 95%Both 600





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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




Yellow Brick Road 6.47% Nil 2000000Inv Futureproof Fixed 3 yrs 90%Both 745



Beirut Hellenic Bank 6.60% 10/m No MaxInvestment Fixed 3 yrs 80%Both 980








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"outstanding value"ANZ 6.64% 375/a No MaxBreakfree Investment Fixed 5 90%Both 0










Qld Police Credit Union 6.69% Nil No MaxInvestment Fixed 5 yrs 97%Both 876
























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ME Bank 7.19% Nil No MaxInvestment Fixed 5 yrs 95%Both 300




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




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












SUPERSEDED

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

SUPERSEDED


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.

SUPERSEDED


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.

SUPERSEDED


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. .

• Account based pensions • Agribusiness • Business banking • Business life insurance • Car insurance • Credit cards • Deposit accounts • Direct life insurance • Health insurance • Home & Contents

• Home loans • Life Insurance • Managed investments • Margin lending • Online share trading • Package banking • Personal loans • Reward programs • Superannuation • Travel insurance

SUPERSEDED



superseded - canstar … · • 1,961 home loans • from 115 lenders to compile 5-star fixed &...

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