NSW INTRODUCTORY (HONEYMOON) RATES (OWNER OCCUPIED)

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Institution Product Name Intro Rate Comparison Rate Intro Term Intro Type Fees Service Fee LVR
Applic. Valuat. Legal Settle
Suncorp 1 Year Introductory Fixed
 7.19
 8.42
 12
 Fixed
 $600
 $0
 $0
 $0
 $10/mth
 100
Sydney Credit Union Introductory Loan
 6.94
 7.71
 12
 Fixed
 $200
 $192.5
 $360
 $0
 $0
 100
Trustar Mortgage Easy Start Rate
 6.91
 8.13
 12
 Variable
 $250
 $220
 $420
 $250
 $0
 97
Unicom Credit Union Flying Start Home Loan
 7.80
 8.98
 12
 Variable
 $600
 $0
 $357.5
 $0
 $0
 95
Wagga Mutual Credit Union $500 Cash Back Home Loan
 7.75
 8.17
 6
 Fixed
 $0
 $275
 $360
 $0
 $0
 95
Wagga Mutual Credit Union Wagga Gold Home Loan
 7.12
 8.05
 13
 Variable
 $0
 $275
 $360
 $0
 $0
 95
Westpac Banking Corporation Premium Option 1 Year Guaranteed Rate
 6.99
 7.76
 12
 Fixed
 $600
 $0
 $0
 $0
 $8/mth
 97
Yes Home Loans Discount Equity Access
 8.36
 9.25
 12
 Variable
 $450
 $385
 $445
 $275
 $0
 90
A M O AMO Introductory Rate Home Loan
 7.36
 8.34
 12
 Variable
 $650
 $0
 $440
 $275
 $0
 90
AIMS Home Loans Super Saver Discount Variable Home Loan
 6.94
 8.08
 12
 Variable
 $660
 $0
 $0
 $0
 $0
 90
AMP Banking Introductory 1 Year Fixed Rate Loan
 7.29
 7.25
 12
 Fixed
 $0
 $0
 $295
 $250
 $0
 100
AMP Banking Introductory Professional Package Variable Rate Loan
 7.12
 7.23
 12
 Variable
 $0
 $0
 $295
 $250
 $349/yr
 100
Arab Bank HeadStart Home Loan - 12 Months Introductory Rate
 7.24
 8.00
 12
 Variable
 $600
 $0
 $0
 $0
 $8/mth
 95
Arab Bank HeadStart Home Loan - 6 Months Introductory Rate
 6.34
 7.99
 6
 Variable
 $600
 $0
 $0
 $0
 $8/mth
 95
BankWest BankWest Rate Tracker Home Loan
 6.73
 7.50
 24
 Variable
 $950
 $0
 $0
 $0
 $0
 95
Institution Product Name Intro Rate Comparison Rate Intro Term Intro Type Fees Service Fee LVR
Applic. Valuat. Legal Settle
BankWest Mortgage Shredder Fixed Introductory Rate
 6.29
 7.71
 12
 Fixed
 $700
 $0
 $0
 $0
 $0/mth
 95
BankWest Mortgage Shredder Variable Introductory Rate
 8.60
 9.64
 12
 Variable
 $700
 $0
 $0
 $0
 $0/mth
 95
Better Option Home Loans BetterOption Rate Beater Home Loan
 8.26
 8.36
 6
 Variable
 $0
 $0
 $0
 $550
 $0
 95
Colonial-Products of the CBA 1 Year Guaranteed Rate Home Loan
 7.09
 8.49
 12
 Fixed
 $600
 $0
 $0
 $0
 $8/mth
 95
Colonial-Products of the CBA 12 Month Discounted Variable Rate Home Loan
 7.50
 8.54
 12
 Variable
 $600
 $0
 $0
 $0
 $8/mth
 95
Colonial-Products of the CBA 3 Year Special Rate Saver Home Loan
 7.85
 7.97
 36
 Variable
 $300
 $0
 $0
 $0
 $8/mth
 95
Commonwealth Bank 1 Year Guaranteed Rate
 6.59
 7.74
 12
 Fixed
 $600
 $0
 $0
 $0
 $8/mth
 100
Commonwealth Bank 3 Year Special Economomiser
 7.06
 7.18
 36
 Variable
 $0
 $0
 $0
 $0
 $8/mth
 100
Commonwealth Bank Complete Home Loan - 12 Month Discounted Variable Rate
 6.71
 7.75
 12
 Variable
 $600
 $0
 $0
 $0
 $8/mth
 95
Community First Credit Union Honeymoon
 6.99
 7.74
 12
 Fixed
 $500
 $180
 $360
 $0
 $0
 95
CUA 1 Year Introductory Variable Rate
 6.79
 7.59
 12
 Variable
 $600
 $0
 $0
 $195
 $0
 97
CUA Better Start Home Loan
 7.14
 7.36
 36
 Variable
 $600
 $0
 $0
 $195
 $0
 97
Easy Street Financial Services EasyHome Honeymoon
 7.74
 8.50
 12
 Fixed
 $0
 $180
 $360
 $0
 $0
 95
Economy Home Loans Economy 5 Year Double Honeymoon
 8.80
 8.80
 60
 Variable
 $645
 $0
 $0
 $0
 $0
 95
Economy Home Loans Economy 5 Year Double Honeymoon >$300K
 8.65
 8.78
 60
 Variable
 $645
 $0
 $0
 $350
 $395/yr
 95
Institution Product Name Intro Rate Comparison Rate Intro Term Intro Type Fees Service Fee LVR
Applic. Valuat. Legal Settle
ELC - Electronic Loan Company ELC E Low Start Home Loan 12 month
 8.05
 9.84
 12
 Variable
 $0
 $220
 $429.5
 $0
 $0
 100
ELC - Electronic Loan Company ELC E Low Start Home Loan 18 month
 8.32
 8.81
 18
 Variable
 $0
 $220
 $429.5
 $0
 $0
 100
ELC - Electronic Loan Company ELC E Low Start Home Loan 24 month
 8.45
 8.81
 24
 Variable
 $0
 $220
 $429.5
 $0
 $0
 100
ELC - Electronic Loan Company ELC E Low Start Home Loan 6 month
 7.25
 8.89
 6
 Variable
 $0
 $220
 $429.5
 $0
 $0
 95
Encompass Credit Union First Homeowners Loan
 7.15
 7.55
 18
 Variable
 $350
 $200
 $360
 $0
 $0
 95
Encompass Credit Union Introductory Home Loan
 7.15
 7.58
 12
 Variable
 $350
 $200
 $360
 $0
 $0
 95
Gateway Credit Union Discount Variable Home Loan
 7.64
 7.97
 12
 Variable
 $0
 $400
 $500
 $0
 $0
 80
Gateway Credit Union Honeymoon Home Loan
 7.64
 7.99
 12
 Variable
 $0
 $230
 $390
 $0
 $0
 95
HomeSide Lending Homeside HomePlus 1 Year Intro
 6.39
 7.68
 12
 Fixed
 $600
 $0
 $0
 $0
 $10/mth
 95
HomeSide Lending Homeside Reducible Mortgage - 1 Year Intro Fixed
 6.49
 7.91
 12
 Fixed
 $600
 $0
 $0
 $0
 $6/mth
 95
HomeSide Lending Homeside Reducible Mortgage - 2 Year Intro Fixed
 6.89
 7.85
 24
 Fixed
 $600
 $0
 $0
 $0
 $6/mth
 95
HSBC Intro Variable Rate Loan
 6.61
 7.68
 12
 Variable
 $500
 $0
 $0
 $150
 $0
 97
HSBC Introductory Home Smart
 6.74
 7.70
 12
 Variable
 $500
 $0
 $0
 $150
 $0
 97
Illawarra Credit Union Flying Start Loan
 7.80
 8.98
 12
 Variable
 $600
 $0
 $357.5
 $0
 $
 95
IMB IMB Discount Variable Home Loan
 6.70
 7.66
 12
 Variable
 $295
 $0
 $313.5
 $150
 $10/mth
 100
Institution Product Name Intro Rate Comparison Rate Intro Term Intro Type Fees Service Fee LVR
Applic. Valuat. Legal Settle
Morgan Brooks DIRECT 12 Month Introductory Variable
6.45
 7.45
 12
 Variable
 $500
 $265
 $435
 $0
 $0
 95
Morgan Brooks DIRECT 12 Month Introductory Variable Pro Pack
6.35
 7.35
 12
 Variable
 $500
 $265
 $435
 $0
 $330/yr
 95
Mortgage House Prudent Home Loan
 6.74
 6.91
 36
 Variable
 $300
 $0
 $0
 $200
 $0
 90
Mortgage House Thrifty Access
 6.16
 6.79
 3
 Variable
 $300
 $0
 $0
 $299.95
 $0
 90
NAB Introductory Rate Home Loan (12 months Fixed)
 5.99
 7.74
 12
 Fixed
 $600
 $0
 $0
 $0
 $10/mth
 95
NAB Introductory Rate Home Loan (12 months Variable)
 6.65
 7.74
 12
 Variable
 $600
 $0
 $0
 $0
 $10/mth
 95
NAB Introductory Rate Home Loan (3 years Fixed)
 6.89
 7.74
 36
 Fixed
 $600
 $0
 $0
 $0
 $10/mth
 95
NAB Introductory Rate Home Loan (3 years Variable)
 6.94
 7.74
 36
 Variable
 $600
 $0
 $0
 $0
 $10
 95
Nationwide Mortgage New Start Home Loan
 6.32
 7.09
 12
 Variable
 $0
 $220
 $490
 $0
 $0
 95
Newcastle Permanent Building Society Intro Rate Home Loan
 6.86
 7.51
 12
 Variable
 $300
 $0
 $0
 $0
 $0
 97
NSW Teachers Credit Union Teachers Advantage Loan
 6.24
 7.46
 12
 Fixed
 $150
 $250
 $0
 $150
 $0
 95
RAMS Home Loans RAMS Easy Start
 6.84
 7.40
 36
 Variable
 $395
 $200
 $0
 $250
 $150/yr
 100
RAMS Home Loans RAMS Rate Relief
 6.59
 7.13
 24
 Variable
 $395
 $200
 $0
 $250
 $0
 100
RESI Mortgage Corporation Resi LowStart
 6.67
 7.47
 12
 Variable
 $550
 $236.5
 $396
 $0
 $0
 95
RESI Mortgage Corporation Switch & Save Home Loan
 6.88
 7.11
 24
 Variable
 $0
 $0
 $0
 $0
 $0
 95
Institution Product Name Intro Rate Comparison Rate Intro Term Intro Type Fees Service Fee LVR
Applic. Valuat. Legal Settle
SERVICE ONE Members Banking Honeymoon Rate (Classic Home Loan)
 5.90
 7.59
 12
 Fixed
 $600
 $0
 $0
 $0
 $8/mth
 97
St. George Bank Intro 1 Year Discount Variable Rate
 6.61
 7.71
 12
 Variable
 $0
 $0
 $0
 $100
 $0
 95
St. George Bank Intro 1 Year Fixed Rate
 5.89
 7.69
 12
 Fixed
 $0
 $0
 $0
 $100
 $0
 95