NSW FIXED RATES (OWNER OCCUPIED)

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Institution Product Name Fixed Rates
Comparison Rates		 Fees Service Fee LVR
1 yr 2 yr 3 yr 4 yr 5 yr Applic. Valuat. Legal Settle
Homeloans Ltd Balanced Loan Fixed
 7.51
 8.69
 7.51
 8.56
 7.76
 8.52
 7.76
 8.44
 7.76
 8.37
 $599
 $0
 $230
 $65
 $0
 90
Homeloans Ltd Homeloans Premium Full Doc Fixed
 7.84
 7.88
 NaN
8.26
 8.01
 NaN
8.56
 8.22
 $564
 $0
 $300
 $0
 $0
 95
Homeloans Ltd Homeloans Premium Full Doc Fixed (Pro Pack)
 7.84
 7.88
 NaN
8.26
 8.01
 NaN
8.56
 8.22
 $564
 $0
 $300
 $137.5
 $0
 95
Homeloans Ltd Smart Saver Fixed
 6.74
 8.01
 7.09
 7.95
 7.44
 7.96
 7.94
 8.10
 7.94
 8.09
 $564
 $0
 $350
 $75
 $0
 95
HomeSide Lending Homeside HomePlus
 6.59
 7.70
 6.79
 7.63
 6.89
 7.58
 7.39
 7.71
 7.39
 7.69
 $600
 $0
 $0
 $0
 $10/mth
 95
HomeSide Lending Homeside Reducible Mortgage - Standard Fixed
 6.59
 7.92
 6.79
 7.83
 6.89
 7.75
 7.39
 7.85
 7.39
 7.81
 $600
 $0
 $0
 $0
 $6/mth
 95
HSBC Fixed Rate Loan
 5.80
 7.60
 7.15
 7.68
 7.39
 7.70
 7.39
 7.67
 7.39
 7.65
 $500
 $0
 $0
 $150
 $0
 97
Illawarra Credit Union Fixed Rate Loans
 6.95
 8.18
 6.95
 8.05
 6.95
 7.93

7.48
 8.10
 $600
 $0
 $357.5
 $0
 $0
 95
IMB IMB Fixed Rate Home Loans
 6.99
 7.68
 7.09
 7.64
 7.09
 7.59
 7.39
 7.66
 7.39
 7.64
 $295
 $0
 $313.5
 $150
 $6/mth
 100
ING Direct Fixed Rate Loan
 5.99
 7.10
 5.99
 6.99
 6.79
 7.11
 7.49
 7.34
 7.49
 7.37
 $499
 $0
 $220
 $0
 $0
 95
Members Equity Bank SMHL Offset (Fixed)
 7.99
 7.57

7.39
 7.52

7.59
 7.55
 $0
 $0
 $0
 $0
 $0
 95
Members Equity Bank SMHL Standard
 7.99
 7.32

7.39
 7.29

7.59
 7.40
 $0
 $0
 $0
 $0
 $0
 95
MyLoan MyWay Fixed Rate Loan
 5.65
 7.05
 6.30
 7.05
 6.75
 7.15
 7.45
 7.34
 7.45
 7.39
 $0
 $0
 $0
 $395
 $0
 97
MyRate MyRate Fixed Loan
 5.55
 6.96
 6.20
 6.95
 6.65
 7.04
 7.35
 7.23
 7.35
 7.27
 $0
 $0
 $0
 $0
 $0
 95
NAB NAB Tailored Home Loan - Fixed Rate (Interest Only paid annually in advance)
 6.49
6.49
6.79
7.29
7.29
$600
 $0
 $0
 $0
 $8/mth
 100
Institution Product Name Fixed Rates
Comparison Rates		 Fees Service Fee LVR
1 yr 2 yr 3 yr 4 yr 5 yr Applic. Valuat. Legal Settle
NAB NAB Tailored Home Loan - Fixed Rate (Interest Only paid monthly in arrears)
 6.69
 7.50
 6.69
 7.45
 6.99
 7.48
 7.49
 7.65
 7.49
 7.66
 $600
 $0
 $0
 $0
 $8/mth
 100
NAB Tailored Home Loan - Fixed Rate
 6.59
 8.29
 6.59
 8.11
 6.89
 8.04
 7.39
 8.11
 7.39
 8.04
 $600
 $0
 $0
 $0
 $8/mth
 100
Nationwide Mortgage Fixed Rate Loan
 7.39
 7.10
 NaN
7.81
 7.30
 NaN
8.11
 7.57
 $395
 $220
 $490
 $0
 $0
 90
Newcastle Permanent Building Society Fixed Rate Home Loan
 6.99
 7.52
 6.94
 7.45
 6.89
 7.38
 7.19
 7.44
 7.19
 7.42
 $300
 $0
 $0
 $0
 $0
 100
NSW Teachers Credit Union Teachers Fixed Option Loan
 6.34
 7.48
 6.34
 7.36
 6.74
 7.37



$150
 $250
 $0
 $150
 $0
 95
NSW Teachers Credit Union Teachers Interest Only Loan
 6.44
 7.49
 6.44
 7.38
 6.84
 7.40



$150
 $250
 $0
 $150
 $0
 95
one direct one direct fixed loan
 6.89
 6.97
 6.89
 6.96
 7.09
 7.01
 7.39
 7.14
 7.59
 7.26
 $0
 $0
 $0
 $60
 $0
 90
QuickDirect Fixed
 5.59
 6.97
 6.24
 6.97
 6.69
 7.06
 7.39
 7.25
 7.39
 7.29
 $0
 $0
 $0
 $0
 $0
 95
RAMS Home Loans RAMS Fixed Rate
 6.99
 7.43
 6.89
 7.38
 6.89
 7.35
 7.19
 7.43
 7.19
 7.42
 $395
 $200
 $0
 $250
 $120/yr
 100
RAMS Home Loans RAMS Fixed Rate Pro Pack 1
 6.99
 7.33
 6.89
 7.31
 6.89
 7.30
 7.19
 7.40
 7.19
 7.42
 $395
 $200
 $0
 $250
 $300/yr
 100
RAMS Home Loans RAMS Fixed Rate Pro Pack 2
 6.99
 7.24
 6.89
 7.23
 6.89
 7.23
 7.19
 7.34
 7.19
 7.36
 $395
 $200
 $0
 $250
 $300/yr
 100
RESI Mortgage Corporation Complete Home Loan (Fixed)
 8.49
 8.26
 8.29
 8.25
 8.29
 8.26
 8.29
 8.27
 8.29
 8.27
 $0
 $220
 $396
 $0
 $0
 95
Select Credit Union super fixed loan



7.89
 7.93



$0
 $187
 $360
 $0
 $0
 95
SERVICE ONE Members Banking 3 Year & 5 Year fixed Home Loans
 7.00
 7.58

7.00
 8.00

7.25
 7.59
 $600
 $0
 $0
 $0
 $8/mth
 97
St. George Bank Fixed Loan
 7.14
 8.38
 7.14
 8.26
 7.14
 8.15
 7.34
 8.12
 7.34
 8.05
 $600
 $0
 $0
 $100
 $10/mth
 95
Institution Product Name Fixed Rates
Comparison Rates		 Fees Service Fee LVR
1 yr 2 yr 3 yr 4 yr 5 yr Applic. Valuat. Legal Settle
St. George Bank Fixed Loan (Advantage Package)
 6.99
6.99
6.99
7.19
7.19
$0
 $0
 $0
 $100
 $0
 95
St. George Bank St. George No Deposit Home Loan Flexible Deposit Option
 7.39
 8.44
 7.39
 8.34
 7.39
 8.25
 7.59
 8.25
 7.59
 8.19
 $750
 $0
 $0
 $100
 $12/mth
 100
St. George Bank St. George No Deposit Home Loan Quick Start
 8.29
 8.82
 8.29
 8.78
 8.29
 8.75
 8.49
 8.79
 8.49
 8.78
 $750
 $0
 $0
 $100
 $12/mth
 85
St. George Bank St.George No Deposit Home Loan LEF
 7.14
 7.87
 7.14
 8.29
 7.14
 8.18
 7.34
 8.15
 7.34
 8.08
 $750
 $0
 $0
 $100
 $12/mth
 100
Suncorp Fixed Loan
 7.29
 8.43
 7.04
 8.27
 7.40
 8.25

7.89
 8.32
 $600
 $0
 $0
 $0
 $10/mth
 100
Sydney Credit Union Fixed Interest Rate Loan

7.44
 8.21
 7.45
 8.13



$200
 $200
 $360
 $0
 $0
 100
Trustar Mortgage Fixed Rate
 6.91
 8.13
 7.19
 8.06
 7.64
 8.10
 7.84
 8.12
 7.84
 8.09
 $250
 $220
 $420
 $0
 $0
 90
Unicom Credit Union Fixed Rate Home Loan
 6.95
 8.18
 6.95
 8.05
 6.95
 7.93

7.48
 8.10
 $600
 $0
 $357.5
 $0
 $0
 95
Virgin Money Virgin Standard Home Loan Fixed



7.45


7.65
$0
 $0
 $490
 $0
 $0
 95
Westpac Banking Corporation Fixed Options Home Loan
 7.19
 7.78
 7.09
 7.71
 7.09
 7.65
 7.39
 7.72
 7.39
 7.69
 $600
 $0
 $0
 $0
 $8/mth
 100
Wizard Home Loans Fixed Loan

7.79
 8.40
 NaN


NaN
$100
 $0
 $0
 $660
 $0
 100
Yes Home Loans Premium Fixed Rates
 6.35
 7.45
 6.93
 7.45
 7.24
 7.48
 7.56
 7.58
 7.66
 7.63
 $450
 $385
 $445
 $275
 $0
 90
A M O AMO Fixed Rate Home Loan
 5.98
 7.31
 6.36
 7.25
 6.86
 7.30
 7.56
 7.50
 7.56
 7.51
 $650
 $0
 $440
 $275
 $0
 95
Adelaide Bank SmartFix



7.19
 7.70

7.44
 7.73
 $595
 $0
 $0
 $100
 $10/mth
 90
AMP Banking Fixed Rate Loan
 7.69
 7.43
 7.69
 7.46
 7.69
 7.49
 NaN
7.99
 7.68
 $0
 $0
 $295
 $250
 $0
 100
Institution Product Name Fixed Rates
Comparison Rates		 Fees Service Fee LVR
1 yr 2 yr 3 yr 4 yr 5 yr Applic. Valuat. Legal Settle
ANZ Bank Fixed Loan
 6.99
 7.72
 6.99
 7.65
 7.19
 7.65
 7.55
 7.75
 7.99
 7.95
 $600
 $0
 $0
 $0
 $10/mth
 97
ANZ Bank RIL Fixed Interest paid Half-Yearly in Advance
 6.79
6.79
6.99
7.35
7.79
$600
 $0
 $0
 $0
 $10/mth
 97
ANZ Bank RIL Fixed Interest paid Monthly in Advance
 6.94
6.94
7.14
7.50
7.94
$600
 $0
 $0
 $0
 $10/mth
 97
ANZ Bank RIL Fixed Interest Paid Quarterly in Advance
 6.89
6.89
7.09
7.45
7.89
$600
 $0
 $0
 $0
 $10/mth
 97
ANZ Bank RIL Fixed Interest Paid Yearly in Advance
 6.64
6.64
6.84
7.20
7.64
$600
 $0
 $0
 $0
 $10/mth
 97
Arab Bank Fixed Rate Home Loan
 6.89
 7.96
 6.99
 7.88
 6.99
 7.79
 7.25
 7.81
 7.25
 7.76
 $600
 $0
 $0
 $0
 $8/mth
 95
Aussie Aussie Basic Fixed
 6.79
 7.20
 6.99
 7.20
 6.99
 7.18
 7.29
 7.28
 7.39
 7.33
 $300
 $200
 $0
 $75
 $0
 90
Aussie Aussie Standard Fixed Loan
 6.79
 7.61
 6.99
 7.57
 6.99
 7.51
 7.29
 7.57
 7.39
 7.59
 $300
 $200
 $0
 $75
 $0
 90
Bananacoast Community Credit Union Residential Standard Fixed
 6.49
 7.69
 6.79
 7.62
 7.16
 7.64
 7.51
 7.72
 7.73
 7.80
 $395
 $0
 $0
 $0
 $0
 100
Bank of Queensland Fixed Loan
 6.99
 7.78
 6.99
 7.71
 7.09
 7.67
 7.39
 7.73
 7.39
 7.70
 $495
 $0
 $0
 $0
 $8/mth
 100
Bank of Queensland Home Loan Privileges Package $150k to $200k (fixed)
 6.99
 7.74
 6.99
 7.69
 7.09
 7.68
 7.39
 7.76
 7.39
 7.75
 $0
 $0
 $0
 $0
 $375/yr
 100
Bank of Queensland Home Loan Privileges Package $200k to $250k (fixed)
 6.99
6.99
7.09
7.39
7.39
$0
 $0
 $0
 $0
 $375/yr
 100
Bank of Queensland Home Loan Privileges Package $250k + (fixed)
 6.99
6.99
7.09
7.39
7.39
$0
 $0
 $0
 $0
 $375/yr
 100
BankWest Fixed Loan
 6.29
 7.68
 5.99
 7.49
 6.69
 7.54
 6.69
 7.47
 6.69
 7.39
 $700
 $0
 $0
 $0
 $12/mth
 95
Better Option Home Loans BetterOption Fixed Rate Home Loan
 8.29
8.29
7.99
8.09
8.09
$300
 $0
 $0
 $0
 $0/qtr
 100
Institution Product Name Fixed Rates
Comparison Rates		 Fees Service Fee LVR
1 yr 2 yr 3 yr 4 yr 5 yr Applic. Valuat. Legal Settle
BMC Mortgage Corp Home Loan (1) - Fixed
 8.04
 8.55
 8.14
 8.52
 8.14
 8.48
 8.29
 8.50
 8.49
 8.57
 $660
 $0
 $0
 $0
 $0
 95
Citibank Fixed Rate Loan
 7.89
 8.78
 7.89
 8.69
 7.69
 8.69
 7.89
 8.54
 7.89
 8.47
 $399
 $0
 $0
 $250
 $8/mth
 100
Colonial-Products of the CBA Fixed Home Loan
 7.14
 8.50
 7.14
 8.36
 7.69
 8.40
 7.69
 8.33
 7.69
 8.27
 $600
 $0
 $0
 $0
 $8/mth
 95
Commonwealth Bank Complete Home Loan Standard
 6.59
 7.74
 6.89
 7.69
 7.19
 7.70
 7.44
 7.75
 7.49
 7.75
 $600
 $0
 $0
 $0
 $8/mth
 100
Community First Credit Union True Fixed Home Loan
 7.19
 7.76
 7.19
 7.70
 7.19
 7.65



$500
 $180
 $360
 $0
 $0
 95
CUA 3 Year Fixed Special - Available for refinance from other institutions only
 NaN
NaN
6.89
 7.29
 NaN
NaN
$600
 $0
 $0
 $195
 $0
 97
CUA Fixed Loan
 7.19
 7.63
 7.19
 7.59
 7.19
 7.38
 7.59
 7.51
 7.59
 7.53
 $600
 $0
 $0
 $195
 $0
 97
Easy Street Financial Services EasyHome Fixed

7.19
 7.31
 7.19
 7.30



$0
 $180
 $360
 $0
 $0
 95
Economy Home Loans Fixed Rate >$300K

9.16
 8.92
 9.49
 9.06

9.62
 9.25
 $250
 $0
 $0
 $250
 $395/yr
 97
Economy Home Loans Standard Fixed Rate Loan

9.26
 8.92
 9.59
 9.07

9.72
 9.27
 $250
 $0
 $0
 $0
 $0
 97
Encompass Credit Union Fixed Interest Rate Home Loan
 6.95
 7.55
 7.15
 7.54
 7.50
 7.60

7.75
 7.71
 $350
 $200
 $360
 $0
 $0
 95
Gateway Credit Union Fixed Home Loan
 8.99
 9.11
 9.04
 9.11
 9.04
 9.11



$0
 $230
 $390
 $0
 $0
 95
Gateway Credit Union Fixed Property Investment Loan
 8.99
 9.11
 9.04
 9.11
 9.04
 9.11



$0
 $230
 $390
 $0
 $0
 95
GE Money Flexible Options Standard

9.19
 9.25
 9.29
 9.30

9.49
 9.45
 $0
 $0
 $0
 $0
 $295/yr
 95