MORTGAGE STAR RATINGS · Comparison Rate Upgrade Needed – consumer tool essentia l Time to...

YOUR GUIDE TO PRODUCT EXCELLENCE

Report No. 19 March 2007

` MORTGAGE STAR RATINGS

IN THIS REPORT WE LOOK AT …

� Exit Penalties – a trap for the unwary

� Plan Ahead or Pay The Price

� Comparison Rate Upgrade Needed – consumer tool essential

� Time to Address The Issue – call for government commitment

� The Sky is Not Falling – rumbling yes, falling no

EXIT EARLY – PAY THE PENALTY

Settling in to the one house and a 25 year mortgage is an idea that’s rapidly being relegated to past practices. These days the average age for a mortgage is less than five years.

The reasons for this are varied. With increased competition in the lending arena, many home owners simply refinance to a cheaper mortgage that suits them better. Others sell to upgrade their property. Career promotion can mean a move interstate. Changes in your financial circumstances, or making a spontaneous decision to sell in order to pocket a healthy profit, can result in a mortgage being repaid much earlier than the contracted term.

Flexibility is fabulous but to the unwary borrower, it can come at a hefty price. CANNEX has identified the true cost of a loan paid out over a short term can be radically higher than you think when exit penalties are added to the total cost. A loan’s exit penalties typically consist of two components: early repayment penalties and deferred establishment fees. Bear in mind that some other fees such as discharge fees can also be applicable regardless of whether you pay out earlier or not.

We have analysed 399 standard and basic variable loans with the following range of exit penalties if a borrower terminates the loan after 3 years based on a $250,000 loan over 25 years.

Table 1 Analysis of Exit Penalties

Exit Penalty Range

Number of Standard and Basic Variable

Loans

Average Advertised

Interest Rate $0 113 7.74%

$1 - $1000 140 7.63% $1001 - $2000 78 7.60% $2001 - $3000 38 7.34% $3001 - $4000 17 7.47% $4001 - $5000 11 7.67% $5001 - $6000 1 8.07% $6001 - $7000 1 6.47%

Source: www.cannex.com.au 28/03/2007

This report is no longer current. Please refer to the CANSTAR website for the most recent star ratings report on this topic

SUPERSEDED

2 YOUR GUIDE TO PRODUCT EXCELLENCE

To illustrate the point further, Table 2 below lists current five star rated mortgages ranked by lowest cost over 3 years. These are superior value variable rate loans which have earned five stars from CANNEX. Note the exit penalties imposed at year three if borrowers decide to exit then. The range is significant – between zero dollars and $2,500. These five star rated products have other attractive features and rates that compensate for exit cost. Other products that received much lower CANNEX ratings had exit penalties above $7,000.

Table 2 Lowest Cost - CANNEX five star ratings variable loans

Company Name Product Name Star Ratings

(a) Total Exit

Penalties on 3 years

(b) Total Interest, Principal & other Fee

Repayments after 3 years

(c = a + b) Total cost after 3 years

Virgin Money Standard Variable <$750k �� $500 $64,922.78 $65,422.78

HomePath Standard Var Home Loan �� $1300 $65,070.86 $66,370.86

one direct home loans Variable �� $1400 $65,030.86 $66,430.86

Arab Bank Australia Basic Home Loan �� $0 $66,713.38 $66,713.38

Newcastle Permanent Real Deal Home Loan �� $600 $66,378.36 $66,978.36

Royal Guardian Mortgage Royal Discount �� $0 $67,144.65 $67,144.65

Nationwide Mortgage Corp True Saver Home Loan �� $1789 $65,365.67 $67,154.67

Loan Australia Corp Flexi-Plus Variable �� $2500 $64,831.43 $67,331.43

Source: www.cannex.com.au 23/03/2007

* based on total cost paid on $250k loan over 25 years, repaid after 3 years

All examples in Table 2 are based on the total cost paid on a $250,000 variable rate loan taken over 25 years. Included in the calculations are interest and principal paid, upfront fees (application, settlement etc), ongoing fees and exit fees (penalties and other fees). Interest adjustments are not included in the analysis because this applies only to fixed rate products.

Fixed rate loans are becoming more popular in Australia. There has been growing demand in this area over the past 12 months due to two factors. Firstly, following three rate rises and uncertainty about additional RBA rate increases, borrowers are seeking rate protection by fixing more of their loans. Secondly, as borrower demand for fixed rate products grows, lenders have seized the opportunity to grow market share by gradually shaving off fixed rates especially in the popular 2 and 3 year categories. In February 2006 the market share for all fixed products was 17.4% according to Australian Finance Group statistics. By February 2007 the share had risen to 24%.1 When considering how much of their loan to fix, borrowers should note the potentially high exit costs associated with fixed rate products and also the relevant interest adjustment that applies when exiting a fixed loan prematurely. Also bear in mind that if cash rates are reduced, the amount of interest adjustment you pay will be higher compared to a rising rate environment.

Comparing all fees and rates is now much easier on CANNEX’s new consumer website www.ratecity.com.au. At RateCity you will be able to compare over 2,300 mortgages including dozens of crucial costs and features.

1 Source: www.afgonline.com.au

SUPERSEDED


SPRINTERS OR STAYERS?

Some home loans are designed with lower costs regardless of whether the borrower exits early. Others cost much more if you leave early and perform best over a longer distance. The gamble for would-be borrowers is to know the difference by defining their own behaviour. Australian consumers are used to thinking carefully about their transaction account or credit card usage before buying the most suitable product for them, and it would be an advantage to do this for home borrowing as well.

Ask yourself how long you intend to own the house for. Is it the home of your dreams, the one you want to raise a family in? Will you tire of it and want something better in a few years? Are you buying to turn over the real estate quickly and pocket a profit? Is there the chance you will uproot and move to the city, the country, the seaside, and what timeframe do you think that will be?

Table 3 examines six CANNEX five star rated home loans to illustrate marked differences in loan performance, and consequently cost, over periods of one, three and five years. If you exit at three years, exit penalties will range from $0 for Arab Bank through to $5,036 for the AIMS product. However if you exit at 5 years when none of these six products charge a penalty, the AIMS product is the cheapest when considering total cost (interest payments, principal re-payments, and entry, on-going and exit fees).

Table 3 Comparison on Net Cost of Borrowing Over 1, 3 and 5 Years

Company Name Virgin Money AIMS Home Loans

nab ANZ Bank HomePath Arab Bank Australia

Product Name Standard Variable

Super Rate Variable

Base Var Rate

Money Saver Loan

Standard Var Home Loan

Basic Home Loan

Rate 7.34% 6.44% 7.37% 7.37% 7.21% 7.34% AAPR $250k over 25 years 7.35% 6.50% 7.40% 7.44% 7.22% 7.42% Total Upfront Fees $310 $1,430 $600 $500 $100 $600 Ongoing fees Nil Nil Nil 8/m Nil 8/m

Exit Fees

$1500 for 0-2 years, $850 for 2-3 years, $500 for 3-4 years

4 month repayments for

0-3 years, 3 month

repayments for 3-5 years

$900 for the 1st four years

$700 for the 1st four years

$1300 for the first four years

0.75% within the first year

Exit Penalty $1,500 $6,715 $900 $700 $1,300 $0 Total Paid $22,168 $21,904 $22,637 $22,648 $21,857 $22,804 After 1 Year

Net Cost $23,668 $28,619 $23,537 $23,348 $23,157 $22,804 Exit Penalty $500 $5,036 $900 $700 $1,300 $0 Total Paid $64,923 $62,192 $66,470 $66,673 $65,071 $66,713 After 3 Year

Net Cost $65,423 $68,907 $67,370 $67,373 $66,371 $66,713 Exit Penalty $0 $0 $0 $0 $0 $0 Total Paid $109,602 $102,479 $110,303 $110,698 $108,285 $110,622 After 5 Year

Net Cost $109,602 $102,479 $110,303 $110,698 $108,285 $110,622

SUPERSEDED


Look at the table above through the eyes of two different borrower profiles and you will draw two very separate conclusions. After examining what happens to Oliver and Eddie, borrowers should rethink the importance of anticipating their exit plans to find the loan that fits best.

Oliver is opportunistic, to say the least.

He is constantly on the lookout for real estate he can make a quick buck out of. Buying, tarting up and turning over is part of his plan for wealth creation and early retirement. Buy and resell within 12 months, says Oliver, and you can’t lose. But you can lose, big time! Oliver can be up to $6,715 down on his profit and it’s got nothing to do with the price he sells at. The money can easily be gobbled up by early exit penalties on his loan. Oliver’s drive for minimum cost, maximum profit led him to single out the lowest interest loan he could find such as that offered by AIMS. Sure, the low rate is very attractive but look what happens when Oliver wants to sell the real estate in the early days of the loan. If he sells under 3 years he is up for an additional 4 monthly repayments which we calculate at $6,715. If he waits and sells within 5 years he is still liable to pay $5,036 or an extra 3 monthly repayments. After 5 years, there are no exit penalties and you will see by tracking Chart 1 below, how beneficial this low interest rate loan is over a longer period of time. Repaying this loan early, however, can be a huge hit in the hip pocket.

Borrowers should not fixate on choosing the lowest exit penalty as the only important criteria, because rates and other fees also matter. For instance. Virgin charges a $500 exit penalty at 3 years but still has the lowest cost product of those compared. Arab Bank has no exit penalty, but is $1,298 more expensive due to other costs.

Oliver went with the AIMS product. If he stays with the loan for five years he will have chosen the best possible cost option, but if he exited at 1 or 3 years, he would have been much better going with Arab Bank and Virgin Money. After all, we would like to see Oliver adding to, instead of subtracting from, his wealth creation plans.

Eddie is the kind of guy your parents would describe as Steady.

Fun loving, good job, reliable, a real family man in the making. Steady Eddie and his new wife, Kate want nothing more than a house with a picket fence, six kids and a dog. They’ve survived the rent trap, saved their pennies and finally found the house of their dreams, only one kilometre from the in-laws’. Unless he wins Lotto Steady Eddie intends staying put. From a mortgage perspective, that gives the young couple a lot more options. Early exit penalties, for instance, won’t affect them but interest rates will. The couple’s budget will dictate how they structure their home loan. Will they favour the loan offering the lowest interest rates or will they go for a loan with a few more features? Should they fix or take a chance with variable? Should they sign up with their preferred institution or try someone they have never heard of before?

With so many weighty issues to grapple with, Steady Eddie and Kate can take heart that there are many fantastic loans out there in mortgageland and any one of the featured CANNEX five star home loans will suit. After all, this is probably going to be the single most important purchase of their lives. Even though the intention is to keep the house forever, Eddie and Kate should always be aware of early repayment penalties in case life throws up one of its speed bumps down the track – new job interstate, the dreaded divorce etc.

SUPERSEDED


Virgin

MoneyAIMS

Home

Loans

nab ANZ Bank HomePath Arab Bank

Australia

$0

$20,000

$40,000

$60,000

$80,000

$100,000

$120,000

After 1 Year After 3 Year After 5 Year

The examples that CANNEX has chosen to illustrate these two case studies show that from different perspectives, loans can be better or worse suited to borrower needs. All of the loans assessed have earned CANNEX’s very top rating. How well the loan performs depends entirely on borrowing behaviour. With refinancing so rife today, CANNEX stresses the need to be aware of exit penalties as highlighted in Chart 1 below.

CHART 1 – NET COST OVER 1, 3, 5 YRS

Using six of our top five star rated mortgages, we clearly see the cost differences incurred when the loans are paid out at three common intervals. The performance of a loan can be very different over the longer time span it was designed for.

SUPERSEDED


COMPARISON RATE UPGRADE NEEDED

Borrowers may have seen references to the “AAPR” (Annualised Average Percentage Rate) in branch, brochure, or other marketing documents. This term is also referred to as the “Comparison Rate” because it is designed to compare the total interest rates, fees and other costs between two loan products. The difference between the rate advertised on the branch window and the real rate paid can be huge. Consumers might think they are signing up to a deeply discounted product, only to learn that monthly management or other fees make the product far less attractive.

Although the Comparison Rate makes life much easier for consumers to compare products, it does not capture newer fees such as exit penalties in the interest rate equation. The bundle of exit penalties that consumers confront if they pay out their loan in less than three to five years can be enormous. Some standard variable loans have no fees but the exit penalty for a typical standard variable loan is around $1,000.

CANNEX feels consumer awareness of all exit penalties has become a very real issue, given the lifestyle changes we now see. These days not many homeowners buy a house for life and borrowers tend to pay out their loans early for any number of reasons.

Unfortunately, despite its usefulness, the AAPR or Comparison Rate has fallen behind in its ability to give borrowers an idea of the true cost they will be liable for with a loan. The factoring of all exit penalties into regulated disclosure tools is vital because consumers need a relevant and reliable way to assess mortgage costs.

TIME TO ADDRESS THE ISSUE

In the mid 1990s CANNEX worked with regulators and the consumer movement to develop the standardized “AAPR or Comparison Rate” which is now mandatory disclosure in line with consumer credit legislation. This applies to all states and is enforced at a state level.

The Mandatory Comparison Rate legislation is part of the Uniform Consumer Credit Code (UCCC), and has reached the end of its sunset clause period. Queensland has stirred the debate with moves to extend its UCCC legislation to 2009. Because this is “mirrored legislation” common to all States, Australian consumers now have the potential to benefit from improved disclosure legislation if Queensland’s new legislation is passed. CANNEX strongly supports this extension, believing all states need be uniform for the sake of the consumer.

Once the AAPR period has been extended by law, policy makers and regulators will have the opportunity to develop an upgraded approach that correctly captures deferred establishment fees and other exit charges. Without exit penalties being fully transparent through the AAPR and possibly other disclosure methods, there is the risk of some lenders using the penalties as a retention strategy.

CANNEX believes that in this day and age borrowers are focusing more and more on interest rate AND dollar cost comparisons of all fees and rates when evaluating home loans. This is because fees are increasingly negotiable, and Internet based tools are available which translate rates into dollar costs for hip pocket comparison. Dollar cost comparisons include interest repayments, principal repayments, and entry, on-going, and exit fees. All of these dollar costs can easily be converted into interest rate equivalents once loan terms are taken into account. CANNEX believes that rates and dollar costs are highly relevant to consumers and should underpin any upgraded disclosure rules in future.

CANNEX feels the time is right to renew State and Federal government commitment towards Comparison Rate and full dollar cost disclosure and looks forward to contributing to this.

SUPERSEDED


THE SKY IS NOT FALLING

Would-be home owners in Australia are having a tough time of it at the moment. Housing demand is way out in front of supply, sending purchase prices through the roof. This has flooded through to the rental market in some areas, hiking up rents and making it harder for some people to save for their first home. On top of everything, there are rumours of an impending rate rise.

However, it’s not all doom and gloom. On the international front, sub-prime housing loans have taken the rap for sending shockwaves through the US economy but the truth is Australia‘s household lending picture is very different.

Defaults on sub-prime, or low-doc, mortgages have reached an all-time high in the US. This has been fanned by two hurricanes and high unemployment in the automobile industry. The scale of defaults on sub-prime mortgages will not happen downunder, as the structure of mortgage products in the two countries is one of the main areas of difference. US lenders take what we would consider to be a risky approach, often lending at a loan-to-value-ratio (LVR) of between 105% and 120% according to recent commentary in the Australian media2. Australian lenders are much more conservative, with credit-impaired and low documentation home lending making up only a small portion of the books. This is reflected in the terms captured in the CANNEX database.

Credit-impaired loans in this country are especially designed to suit borrowers who have had credit problems in the past and may experience difficulty qualifying for a regular mortgage. Credit-impaired loans are further classified as low, medium and severe. Low documentation or No documentation loans are suitable for the self employed with fluctuating incomes and who choose to furnish some or no support documentation. difficult CANNEX’s Specialist Lending database covers low-doc, no-doc and credit impaired loans from 50 lenders. Over 200 loans are included and their average LVR is dependent upon perceived risk level as highlighted in Table 3 below.

Table 4 Australian Sub-Prime Lending Categories

Average Maximum LVR

Low Doc 86.00% No Doc 69.00% Low Credit Impaired 89.17% Severe Credit Impaired 84.17%

Source: www.cannex.com.au March 3 2007.

Another difference between US and Australian lending is the once popular US Adjustable Rate Mortgages which does not exist here. The ARM offers an interest discount for the first five years of the loan period, with the difference capitalized. After the first five years borrowers must then pay the full interest rate of the day plus interest on a higher loan balance to reflect the capitalized interest. As you can imagine, in a rising variable rate environment, this can be a large and sudden hit, leading to significant growth in arrears and defaults.

2 “LVR The Australian, March 16 2007.

SUPERSEDED


CANNEX MORTGAGE STAR RATINGS

What are the CANNEX mortgage star ratings?

CANNEX mortgage star ratings are a consumer friendly benchmark or value index. CANNEX star rated products represent a short list of financial products. This short list narrows the search for consumers to products that have been independently assessed and ranked. All star rated mortgages from one to five achieved a “borrowing” grade suitable for consumers to consider with qualities ranging from “Superior” to “Satisfactory”.

The CANNEX mortgage star ratings are an independent and transparent analysis comparing both the Cost and all the Features across mortgage products.

How are they calculated?

Historical rates and other costs over the past 12 months for each product are taken into consideration, as well as more than 200 features.

What are the current weightings?

The following table represents the weightings used for individual product categories.

PRODUCT CATEGORY PRICING WEIGHT

FEATURES WEIGHT

143 FEATURES CONSIDERED INCLUDING

Standard Home Loans 75% 25%

Fixed Rate Loans 85% 15%

Offset account Re-draw facilities

Split facility Lump sum repayments

Revolving Line of Credit 60% 40% Payment flexibility Interest capitalisation

Investment Home Loans 80% 20%

Investment Fixed Rate Loans 85% 15%

Interest only loans Offset account Ability borrow as a

trust or as an individual or as a company

The weightings are reviewed each March and September.

How many products and financial institutions are analysed?

CANNEX analyses more than 2300 mortgage products from 150 financial institutions in Australia.

How often are all the products reviewed for rating purposes?

All ratings are fully recalulated every six months based on the latest features offered by each lender. CANNEX also monitors rate changes on an ongoing basis.

In this report, we analysed at approximately 2,300 home loan products across eleven categories so you can compare loan options for your situation. The categories include standard variable rate loans, revolving line of credit loans and fixed rate loans from 1, 2, 3 and 5 years. Investment loans are also well covered to arm you with the information you need to make the best decision possible. The methodology we use to award the coveted five stars is detailed in this section.

SUPERSEDED


LOW

RANKING

5%10%25%15%20%25%

What do the ratings mean?

Ratings range from five to one star as indicated below:-

HHHHH HHHH HHH HH HSUPERIOR EXCEPTIONAL STRONG AVERAGE SATISFACTORY

I- RISING STAR. A Rising Star is awarded to products which cannot meet the historical AAPR criteria but which are likely to achieve at least a strong rating in the future.

How are they calculated?

STANDARD HOME LOANS

INSTITUTION PRODUCT COSTS Indexed

FEATURES Indexed

TOTAL Weighted

AAPR 1 year Avg RATING

AAA Credit Union Standard Home Loan 6.70 2.10 8.80 6.20% HHHHH

Le Grande Loans Basic Mortgage 7.50 1.50 9.00 5.55% HHHHH

Nearly-there Bank Premium Home Loan 6.00 2.50 8.50 7.00% HHHH

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 according to the following guidelines. As you can see, only the cards that obtain a score in the top 5% of the of the score distribution receive a 5 star rating and only the top 75% of the score range receive a star rating.

The average AAPR over 1 year is used

Loans are ranked from cheapest to dearest and the cheapest scores maximum points

Raw Features score based on 21 separate weighted categories (each category contributes between 2% and 25% of the Features Score)

SUPERSEDED


Does CANNEX rate other product areas?

YES. CANNEX also rates credit cards, rewards programs, deposit accounts, personal loans, margin lending and business banking products. These star ratings use similar methodologies to the mortgage star ratings. This guarantees the quality and transparency of these other star ratings. The use of similar star ratings logos also builds consumer recognition of quality products across all product categories. Please access the CANNEX website at www.cannex.com.au to download the latest report of interest.

SUPERSEDED

mortgage star ratings

Text218: SECTION 1. SUMMARY REPORT

PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR

Loan Fees ($250k) Max Loan

Upfront

Principal+Interest,Interest

OnlyOngoing

Company Split Facility

Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"superior value"Adelaide Bank-OthrStates 7.30 8/m No max�Smartsuite Fit Variable 100%Both �695.00 ��

Advantage Finance 6.83 330/a 750,000.00�Choice Rate Reducer Pro 95%Both �1625.00 ��

Advantage Finance 7.20 Nil 1,000,000.00�Standard Plus 95%Both �635.00 ��

Advantage Finance 6.93 Nil 1,000,000.00�Choices Rate Reducer 95%Both �1460.00 ��

AIMS Home Loans 6.44 Nil 300,000.00�Super Rate Variable 80%P+I �1430.00 ��

ANZ Bank 7.37 8/m No max�Money Saver Loan >$250k 95%Both �500.00 ��

API Lifestyle Home Loans 7.37 Nil 2,500,000.00�Standard Variable 100%Both �323.00 ��

Arab Bank Australia 7.34 8/m No max�Basic Home Loan 95%Both �600.00 ��

Collins Home Loans 7.34 Nil 2,000,000.00�Multi Option Home Loan 95%Both �55.00 ��

HomePath 7.21 Nil No max�Standard Var Home Loan 97%Both �100.00 ��

Loan Australia Corp 6.99 Nil No max�Flexi-Plus Variable 95%Both �355.00 ��

Loan Australia Corp 7.20 Nil 500,000.00�100% Finance Var Loan 100%P+I �355.00 ��

Macquarie Bank 7.39 Nil 999,999.99�Mortgage Saver >250K 100%Both �650.00 ��

mecu 7.55 Nil No max�Premium Home Loan $250k+ 100%P+I �595.00 ��

mecu 7.09 Nil No max�First Home Buyers Loan 100%P+I �595.00 ��

Mortgage Ezy 6.99 Nil 2,000,000.00�Ezy Standard Fee FreeVar 100%Both �1257.00 ��

Mortgage Ezy 7.19 Nil 2,000,000.00�Ezy Standard 100% Var 100%Both �1257.00 ��

MyRate 7.19 Nil 2,000,000.00�Advantage Rate Variable 100%Both �Nil ��

nab 7.37 Nil 499,999.99�Base Var Rate Discount1 95%Both �600.00 ��

Nationwide Mortgage Corp 7.14 Nil 500,000.00�True Saver Home Loan 90%Both �654.50 ��

Newcastle Permanent 7.44 Nil No max�Real Deal Home Loan 97%Both �Nil ��

one direct home loans 7.21 Nil No max�Variable 95%Both �60.00 ��

Rate Busters 6.90 Nil 2,000,000.00�Rate Buster Direct 98%Both �1895.00 ��

Rate Busters 7.27 Nil 2,000,000.00�Fee Buster Variable 98%Both �220.00 ��

Rate Busters 6.90 Nil 2,000,000.00�Rate Buster Variable 98%Both �1895.00 ��

RESI Mortgage Corp 7.44 Nil 4,000,000.00�Complete Home Loan 95%Both �616.00 ��

Royal Guardian Mortgage 7.24 150/s 2,000,000.00�Royal Discount 100%Both �1100.00 ��

Sapphire Mortgage Servic 7.20 Nil No max�Sapphire Plus Var 150k+ 100%Both �635.00 ��

Savings & Loans CU SA 7.37 8/m No max�Discount Variable >$250k 100%P+I �600.00 ��

Select Credit Union 7.44 Nil No max�Value Plus Home Plus 95%Both �697.00 ��

State Custodians 7.30 Nil 2,500,000.00�Standard Variable 100%Both �650.00 ��

Virgin Money 7.34 Nil 749,999.99�Standard Variable <$750k 100%Both �310.00 ��

Yes Home Loans 7.54 Nil 2,400,000.00�Credit Access 97%Both �835.00 ��

Yes Home Loans 7.29 300/a 2,500,000.00�Basic Home Loan 80%Both �835.00 ��

"exceptional value"

your guide to product excellence

26 March 2007 Page 1 of 9RESIDENTIAL VARIABLE HOME LOAN:

SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"exceptional value"A M O Group 6.45 Nil 400,000.00�Rate Saver Home Loan 80%P+I �1105.00 ��

Aussie Home Loans 7.55 40/q 349,999.99�Premium Plus <$350k 100%Both �350.00 ��

Austral Mortgage 7.42 Nil 499,999.99�Advantage Plus Var<$500k 95%Both �830.00 ��

Bananacoast Community CU 7.37 Nil 7,000,000.00�Premier Package Variable 100%Both �520.00 ��

BankSA 7.49 12/m No max�Essential Home Loan 95%Both �700.00 ��

BankWest 7.40 Nil No max�Lite Home Loan 95%Both �Nil ��

Companion CU 7.65 Nil 1,000,000.00�Home Loan 95%Both �558.00 ��

eChoice 7.43 Nil 2,000,000.00�Premium 97%Both �Nil ��

Gateway Credit Union 7.49 Nil No max�Standard Variable 95%Both �Nil ��

Heritage Building Soc 7.35 Nil No max�Basic Variable 95%P+I �600.00 ��

Hume Building Society 7.40 Nil 2,000,000.00�Interest Saver 100%P+I �600.00 ��

Hume Building Society 7.90 Nil 2,000,000.00�Standard Variable 100%Both �600.00 ��

Illawarra Home Loans 7.40 Nil 1,200,000.00�Rightway 95%Both �990.00 ��

Illawarra Home Loans 7.30 Nil 1,200,000.00�Rightway Ratesaver 95%Both �990.00 ��

IMB Limited 7.42 Nil No max�Budget Blue Home Loan 100%Both �908.50 ��

IMB Limited 7.45 8/m No max�Budget Home Loan 100%Both �908.50 ��

ING Direct 7.40 Nil 2,000,000.00�Mortgage Simplifier 100%Both �220.00 ��

Intech Credit Union 7.70 Nil No max�Classic Home Loan 95%Both �835.00 ��

Loan Australia Corp 6.89 30/m 500,000.00�Discount Saver Variable 95%Both �355.00 ��

mecu 7.47 Nil No max�Basic Variable 100%P+I �595.00 ��

Morgan Brooks DIRECT 7.29 Nil 2,500,000.00�Premier Variable 95%Both �700.00 ��

MyRate 7.20 Nil 600,000.00�100% Variable 100%Both �Nil ��

nab 7.32 10/m No max�3yr Intro Var Home Loan 95%P+I �600.00 ��

Nationwide Mortgage Corp 7.49 Nil 4,000,000.00�First Choice Home Loan 90%Both �654.50 ��

Newcastle Permanent 7.84 Nil No max�Real Options 97%Both �Nil ��

Newcastle Permanent 6.73 Nil No max�1yr Discounted Rate 97%Both �Nil ��

Qantas Staff CU 6.75 Nil 3,000,000.00�Home Plus Honeymoon 1yr 80%P+I �600.00 ��

Qantas Staff CU 7.75 Nil 3,000,000.00�Home Plus Variable 80%P+I �600.00 ��

Qld Professional CU 7.55 10/m No max�Friendly Home Loan 95%Both �679.00 ��

RAMS 7.40 Nil 2,000,000.00�Interest Saver Var 100%Both �150.00 ��

Refund Mortgage 7.35 Nil 2,500,000.00�Prime Loan 95%Both �960.00 ��

Refund Mortgage 7.25 Nil 2,000,000.00�Homeloan Std Variable 95%Both �960.00 ��

RESI Mortgage Corp 6.49 Nil 300,000.00�Great Rate Home Loan 80%P+I �396.00 ��

RESI Mortgage Corp 7.44 Nil 650,000.00�Breakthru Home Loan 100%Both �616.00 ��

Royal Guardian Mortgage 7.25 Nil 2,000,000.00�Royal Basic Home Loan 95%Both �820.00 ��

Royal Guardian Mortgage 7.34 Nil 4,000,000.00�Royal Starter 100%Both �1150.00 ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"exceptional value"Sapphire Mortgage Servic 7.04 10/m 500,000.00�Sapphire Classic 97%Both �1460.00 ��

Yes Home Loans 7.14 Nil 1,250,000.00�Discount Access 1yr 90%Both �835.00 ��

"strong value"A M O Group 7.74 Nil 2,000,000.00�Standard Variable 95%Both �1170.00 ��

Adelaide Bank 5.99 8/m No max�6mth Discount Variable 100%Both �695.00 ��

Adelaide Bank 6.75 8/m No max�Discount Var 1y with Fee 100%Both �695.00 ��

Adelaide Bank 8.07 8/m No max�Standard Variable 100%Both �695.00 ��

AIMS Home Loans 7.65 Nil 2,000,000.00�Smarter Way Variable 90%Both �660.00 ��

AIMS Home Loans 7.30 299/a 2,000,000.00�Easy Start Home Loan 95%P+I �660.00 ��

ANZ Bank 8.07 10/m 699,999.99�Standard Variable 95%Both �500.00 ��

ANZ Bank 6.75 10/m No max�Easy Start Variable>150k 95%P+I �500.00 ��

Australian Central CU 7.49 8/m No max�Discount Variable Rate 100%P+I �830.00 ��

Bank of Queensland 7.49 10/m No max�Economy Home Loan 100%Both �665.00 ��

BankSA 8.07 10/m No max�Standard Variable 95%Both �700.00 ��

Capricornia CU 7.49 Nil 1,000,000.00�Premier Plus 95%Both �990.00 ��

CHS Home Loans 7.34 8/m No max�3 year Spec Rate Saver 97%Both �700.00 ��

Collins Home Loans 7.34 Nil No max�EasiSaver 95%Both �Nil ��

Collins Home Loans 7.28 Nil 2,000,000.00�Basic Variable 95%Both �55.00 ��

Colonial 7.34 Nil No max�3 year Spec Rate Saver 97%Both �100.00 ��

Commonwealth Bank 6.74 8/m No max�12mth Disc Var Home Loan 97%Both �700.00 ��

Commonwealth Bank 6.44 8/m No max�6mth Disc Var Home Loan 97%Both �700.00 ��

Commonwealth Bank 7.34 8/m No max�Economiser Intro 3yr 97%P+I �700.00 ��

Community CPS Australia 7.49 7.50/m 2,000,000.00�Straight Forward Home Ln 95%P+I �695.00 ��

Companion CU 7.95 Nil 1,000,000.00�Lifestyle Plus 95%Both �Nil ��

Credit Union Australia 7.59 Nil No max�Discounted Home Loan 97%Both �795.00 ��

GE Money 7.40 Nil 499,999.99�Flexible Option Var >250 100%Both �500.00 ��

Horizon Credit Union 7.70 5/m No max�Basic Home Loan 95%Both �935.00 ��

Illawarra Home Loans 7.40 Nil 1,200,000.00�Rightway Refund 95%Both �990.00 ��

Illawarra Home Loans 7.40 Nil 1,200,000.00�Rightway Investment 95%Both �660.00 ��

ING Bank 7.40 Nil 2,000,000.00�Mortgage Simplifier 100%Both �220.00 ��

Laiki Bank 7.20 10/m 1,500,000.00�Promotional Variable 95%P+I �Nil ��

Locumsgroup 7.43 Nil 1,125,000.00�Fully Optioned Loan 95%Both �770.00 ��

Maritime Workers CU 7.49 Nil No max�First Home Loan Borrower 95%Both �450.00 ��

mecu 8.05 Nil No max�Premium Home Loan 100%P+I �595.00 ��

Members Equity Bank 7.49 Nil No max�Std Var Super Member 95%Both �Nil ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"strong value"nab 8.07 8/m No max�Tailored Home Loan 100%Both �600.00 ��

Newcastle Permanent 8.06 7/m No max�Premium Variable 97%Both �Nil ��

Pacific Mortgage Corp 7.59 Nil No max�Premium Access 95%Both �764.50 ��

Police & Nurses Credit 7.40 5/m No max�Easypay Variable 95%Both �650.00 ��

Qantas Staff CU 7.50 Nil 499,999.99�Step Ahead Var <$500K 95%IO �Nil ��

Qantas Staff CU 7.50 Nil 3,000,000.00�Home Essentials 80%P+I �600.00 ��

RAMS 7.44 Nil 2,000,000.00�Basic Interest Variable 100%Both �645.00 ��

Resident Home Loans 7.15 Nil 2,000,000.00�Resident Home Loan 95%Both �800.00 ��

RTA Staff CU 7.29 Nil No max�Fastroad Basic Home Loan 95%P+I �630.00 ��

SERVICE ONE Members Ba 7.25 Nil 1,300,000.00�Basic Home Loan 95%Both �600.00 ��

St George Bank 8.07 Nil No max�Standard Variable 95%Both �700.00 ��

StGeorge QLD VIC TAS WA 8.07 10/m No max�Standard Variable 95%Both �700.00 ��

SUNCORP 7.49 Nil No max�Back To Basics 100%P+I �Nil ��

Sutherland Credit Union 7.49 Nil 750,000.00�Home Plus 95%P+I �1055.00 ��

The Rock Building Soc 7.53 5/m 3,500,000.00�Residential Basic Var 97%Both �495.00 ��

TIO Banking 7.35 10/m No max�Territory Interest >100k 95%P+I �720.00 ��

University Credit Soc 7.60 Nil No max�Standard Variable 95%Both �606.40 ��

Westpac 8.07 199/a No max�Rocket Repay Home Loan 100%Both �600.00 ��

"rising star"Ironbark Mort Solutions 7.55 Nil 2,500,000.00�Fee-Free Term Loan Var 100%Both �Nil ��

Ironbark Mort Solutions 7.35 300/a 2,500,000.00�Premium Term Loan Var 100%Both �882.50 ��

Ironbark Mort Solutions 7.45 Nil 2,500,000.00�Standard Term Loan Var 100%Both �632.50 ��

Mortgage Ezy 7.99 Nil 3,500,000.00�Ezy Eraser Variable 100%Both �1337.00 ��

"average value"Adelaide Bank 7.37 Nil 1,000,000.00�Greatsaver 100%P+I �695.00 ��

Arab Bank Australia 5.74 8/m No max�HeadStart 6mth Intro Var 95%Both �600.00 ��

Assured Home Loans 7.27 Nil 2,000,000.00�RateBreaker Variable 98%Both �3480.50 ��

Assured Home Loans 7.54 Nil 2,000,000.00�EasyStart Variable 98%Both �730.50 ��

Aussie Home Loans 7.49 Nil No max�Basic Variable 95%Both �600.00 ��

Austral Credit Union 7.42 2/m 1,000,000.00�Standard Home Loan 95%P+I �500.00 ��

Austral Mortgage 7.30 Nil 1,000,000.00�Design a Loan Variable 95%Both �750.00 ��

Bananacoast Community CU 7.57 Nil 7,000,000.00�Flexi Home Loan 100%Both �520.00 ��

Bank of Cyprus Australia 7.25 8/m No max�Essential Home Loan 90%Both �904.50 ��

BankSA 6.74 10/m No max�Discount Great Start 95%Both �700.00 ��

Bankstown City CU 7.49 Nil 750,000.00�Home Manager 95%Both �1139.75 ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"average value"Better Choice Home Loans 7.55 Nil No max�Balanced Variable 100.00%Both �730.00 ��

BMC Mortgage 7.54 Nil 2,000,000.00�Standard Variable 97%Both �685.00 ��

BMC Mortgage 7.40 Nil 2,000,000.00�Premium Choice Variable 97%Both �725.00 ��

CHS Home Loans 7.56 8/m No max�Inv Rate Saver Home Loan 97%Both �700.00 ��

Circle Credit Co-op 7.54 Nil 750,000.00�Rate Saver 90%Both �1000.00 ��

Citibank 7.00 250/a 1,000,000.00�Offset Intro 1yr 100%Both �799.00 ��

Collins Home Loans 6.95 Nil 2,000,000.00�Direct Saver Intro 1yr 95%Both �899.00 ��

Colonial 6.44 8/m No max�6mth Disc Var Home Loan 97%Both �700.00 ��

Colonial 6.74 8/m No max�12mth Disc Var Home Loan 97%Both �700.00 ��

Colonial 8.07 8/m No max�Standard Variable 97%Both �700.00 ��

Commonwealth Bank 7.56 8/m No max�Economiser HL P & I 97%P+I �700.00 ��

Commonwealth Bank 8.07 8/m No max�Complete Home Loan 97%Both �550.00 ��

Community CPS Australia 8.05 Nil 2,000,000.00�Standard Variable 95%Both �695.00 ��

connectfinancial 7.49 Nil 1,000,000.00�Alternative Home Loan 97%P+I �332.00 ��

Credit Union Australia 6.84 Nil No max�Introductory Var 1yr 97%Both �795.00 ��

Credit Union Australia 7.29 Nil No max�Basic variable >$250k 97%Both �795.00 ��

Defence Force CU 7.42 Nil No max�True Value Home Loan 95%P+I �400.00 ��

Defence Force CU 7.74 200/a No max�Flexi Choice Variable 95%P+I �300.00 ��

eChoice 7.29 Nil 2,000,000.00�Standard Saver 100%Both �Nil ��

Heritage Building Soc 6.82 5/m No max�Value Plus 1yr Variable 95%P+I �600.00 ��

Hibernian Credit Union 7.24 8.50/m No max�Standard Variable 90%P+I �350.00 ��

Holiday Coast CU 7.49 Nil No max�MortgagePlus Standard 95%P+I �600.00 ��

Homeloans 7.55 400/a No max�R8 Saver Variable 97%Both �949.00 ��

Homeloans 7.69 Nil No max�Smart Saver 97%Both �884.00 ��

Homeloans 7.90 Nil No max�Balanced Securitised 97%Both �949.00 ��

HomeSide Lending 7.51 Nil No max�Plain and Simple P+I 95%Both �300.00 ��

Horizon Credit Union 7.70 150/a No max�Mortgage Breaker 80%P+I �785.00 ��

HSBC 7.32 Nil 2,000,000.00�Home Value 95%Both �825.00 ��

Hunter United Credit Un 7.35 2/m No max�Excel A Rate Basic Var 95%P+I �989.50 ��

Illawarra CU NSW 7.57 8/m No max�Basic Home Loan 95%P+I �957.50 ��

IMB Limited 7.07 Nil No max�Discount Var 1 yr 100%Both �908.50 ��

IMB Limited 8.07 Nil No max�Standard Variable 100%Both �908.50 ��

islandstate CU 7.44 Nil No max�Smart Change 100%P+I �650.00 ��

Lifeplan Funds Managemnt 7.49 Nil 400,000.00�FlexiSmart Home Loan 100%P+I �600.00 ��

Maitland Mutual BS 7.45 Nil 750,000.00�Mutual Home Loan 97%Both �300.00 ��

Maroondah Credit Union 7.80 Nil 750,000.00�Standard Variable 97%Both �1338.50 ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"average value"Maxis Loans 7.74 Nil No max�Rate Saver Loan 95%P+I �Nil ��

Members Equity Bank 7.79 Nil No max�Ultimate Super Member 95%P+I �Nil ��

Members Equity Bank 7.74 Nil No max�Standard Variable 95%Both �Nil ��

Mortgage House of Aust 7.59 Nil 2,000,000.00�Home Loan Plus Variable 100%Both �500.00 ��

Mortgage House of Aust 7.60 Nil 3,500,000.00�Access Variable 97%Both �600.00 ��

nab 6.69 10/m No max�12mth Intro Var HomeLn 95%P+I �600.00 ��

Nationwide Mortgage Corp 7.49 Nil 500,000.00�Low Deposit Loan 97%Both �654.50 ��

NSW Teachers CU 7.95 Nil No max�Flexi Choice 95%P+I �250.00 ��

NSW Teachers CU 7.95 Nil No max�Variable Loan IO 95%IO �250.00 ��

NSW Teachers CU 7.35 Nil No max�Basic Option 95%P+I �250.00 ��

Pacific Mortgage Corp 6.79 Nil No max�Disc Premium Access 1yr 95%Both �764.50 ��

Pacific Mortgage Corp 5.99 Nil No max�Disc Premium Access 6mth 95%Both �764.50 ��

Police CU SA 7.34 10/m No max�Discount Variable 100%P+I �781.08 ��

PowerState Credit Union 8.07 Nil No max�Standard Variable 97%Both �731.00 ��

Railways Credit Union 7.30 5/m No max�Economy Home Loan (L50) 80%P+I �200.00 ��

RAMS 8.19 Nil 2,000,000.00�SmartWay 100%Both �745.00 ��

Satisfac Credit Union 7.32 Nil 1,250,000.00�First Home Loan 95%P+I �800.00 ��

SGE Credit Union 7.05 Nil 2,000,000.00�Investment Intro Var 97%P+I �590.00 ��

SGE Credit Union 8.05 Nil 2,000,000.00�Investment Premium Var 97%P+I �590.00 ��

St George Bank 6.74 Nil No max�Discount Variable Rate 95%Both �700.00 ��

Stellar Finance 7.50 Nil 2,000,000.00�Standard Variable 97%Both �685.00 ��

TAFE & Community CU 7.69 Nil No max�Home Loan 95%P+I �1275.00 ��

The Rock Building Soc 6.74 10/m 3,500,000.00�Home Loan Cruncher Intro 97%Both �795.00 ��

University Credit Soc 6.25 Nil No max�1 Year Special Variable 95%P+I �606.40 ��

Warwick Credit Union 7.49 5/m No max�Essential Home Loan 95%Both �1082.00 ��

Warwick Credit Union 7.82 5/m No max�Premium Home Loan 95%Both �982.00 ��

Westpac 7.37 10/m 750,000.00�First Option Home Loan 97%P+I �600.00 ��

Wizard Home Loans 6.46 Nil 400,000.00�Rate Breaker Loan 80%P+I �760.00 ��

Wizard Home Loans 7.72 Nil 1,000,000.00�Smart Choice Loan 100%Both �760.00 ��

Wizard Home Loans 7.39 Nil 750,000.00�Clear Value 100%Both �760.00 ��

"satisfactory value"ABS Building Society 7.95 Nil No max�Variable - New customers 95%P+I �840.00 ��

AIMS Home Loans 8.05 Nil 2,000,000.00�AIMS Complete Variable 95%Both �660.00 ��

AIMS Home Loans 7.93 Nil 2,000,000.00�Gold Standard Variable 95%Both �660.00 ��

AIMS Home Loans 6.22 Nil 1,000,000.00�Best Choice Discount Var 90%Both �660.00 ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"satisfactory value"Alliance One CreditUnion 7.80 Nil 400,000.00�Discount Variable >$150K 97%P+I �943.25 ��

Alliance One CreditUnion 7.60 Nil 400,000.00�Discount Variable >$250K 97%IO �943.25 ��

Alliance One CreditUnion 6.99 Nil 400,000.00�12mth Discount Variable 97%P+I �943.25 ��

AMP Banking 7.39 Nil 2,000,000.00�Basic Variable Rate Loan 95%Both �Nil ��

Arab Bank Australia 8.05 Nil No max�Standard Variable 95%Both �600.00 ��

Arab Bank Australia 6.64 8/m No max�HeadStart 12mth IntroVar 95%Both �600.00 ��

Aussie Home Loans 7.95 Nil No max�Standard Variable Rate 100%Both �600.00 ��

Austral Mortgage 7.67 Nil 750,000.00�Wealth Maximiser 90%IO �750.00 ��

Bananacoast Community CU 8.05 Nil 7,000,000.00�Standard Variable 100%Both �520.00 ��

Bank of Queensland 8.07 8/m No max�Standard Variable 100%Both �565.00 ��

BankWest 7.07 12/m No max�Mortgage Shredder 1y Var 95%Both �700.00 ��

BankWest 8.07 12/m No max�Mortgage Shredder 95%Both �700.00 ��

Better Choice Home Loans 7.70 Nil No max�Homelend Plus 95.00%Both �715.00 ��

BMC Mortgage 7.70 Nil 750,000.00�Interstar Variable 90%Both �660.00 ��

Capricornia CU 7.99 Nil 1,000,000.00�Standard Variable 95%Both �400.00 ��

CHS Home Loans 8.07 8/m No max�Standard Home Loan 97%P+I �700.00 ��

Citibank 7.71 125/s 299,999.99�Std Var >$200k<$300k 100%Both �649.00 ��

Citibank 7.00 250/a 1,000,000.00�Std Var Intro 1yr 100%Both �799.00 ��

Coastline Credit Union 7.44 8/m No max�Minimiser Home Loan 95%P+I �740.00 ��

Colonial 7.56 8/m No max�Rate Saver HL P&I 97%P+I �700.00 ��

Colonial 7.56 8/m No max�Rate Saver Int Only 97%IO �700.00 ��

Community First CU 7.30 Nil 2,500,000.00�True Basic Home Loan 95%P+I �1003.18 ��

Community First CU 7.55 500/a 2,500,000.00�True Prof Large Loan 95%P+I �1002.00 ��

Community First CU 8.05 Nil No max�True Value Var HL 95%Both �1002.00 ��

connectfinancial 7.80 Nil 1,000,000.00�Essentials Home Loan 97%P+I �332.00 ��

connectfinancial 8.17 Nil No max�Mort Offset Housing Loan 97%P+I �332.00 ��

Credit Union Australia 7.47 Nil No max�Basic Variable 97%Both �795.00 ��

Credit Union Australia 7.99 Nil No max�Standard Variable 97%Both �795.00 ��

Defence Force CU 7.74 Nil No max�First Plus Variable 95%P+I �Nil ��

Encompass Credit Union 7.99 Nil No max�Mortgage Loan 95%Both �1095.00 ��

Encompass Credit Union 7.49 Nil No max�Basic Home Loan 80%P+I �1455.00 ��

Fire Services CU 7.49 Nil No max�Standard Variable 80%P+I �548.50 ��

First Pacific CU 8.00 Nil No max�Mortgage Plus Variable 97%Both �843.00 ��

First Pacific CU 7.90 Nil No max�Its Personal Variable 97%P+I �941.00 ��

Greater Building Society 7.70 Nil 1,000,000.00�Stand Var-New Customers 95%P+I �Nil ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"satisfactory value"Heritage Building Soc 7.83 5/m No max�Standard Variable 95%P+I �600.00 ��

Heritage Building Soc 7.99 Nil No max�Premium Variable 95%P+I �600.00 ��

Holiday Coast CU 8.07 Nil No max�Resident Invest Loan 95%Both �600.00 ��

Home Building Society 7.35 Nil No max�Invt No Frills home loan 95%P+I �514.50 ��

Homeloans 7.49 Nil 1,000,000.00�All Purpose Saver 95%Both �964.00 ��

Horizon Credit Union 8.20 Nil No max�Classic Home Loan 95%Both �200.00 ��

HSBC 6.75 Nil 7,500,000.00�1 Yr Discount Variable 97%Both �825.00 ��

HSBC 8.02 Nil 7,500,000.00�Standard Variable 95%Both �825.00 ��

Hunter United Credit Un 7.65 2/m No max�BreakFree Basic Variable 95%P+I �Nil ��

Hunter United Credit Un 7.65 2/m No max�Breakfree No Deposit Var 95%P+I �Nil ��

Industries Mutual CU 7.80 Nil 750,000.00�Variable 95%Both �795.00 ��

Industries Mutual CU 7.49 Nil No max�Basic Variable 95%P+I �795.00 ��

ING Bank 7.99 Nil 499,999.99�Professional SVR <$500k 100%Both �220.00 ��

islandstate CU 7.70 Nil No max�Smart Rate 100%P+I �650.00 ��

islandstate CU 8.20 Nil No max�Smart Options 100%P+I �650.00 ��

Macquarie Credit Union 7.82 Nil No max�Home Loan Variable 95%Both �Nil ��

Maitland Mutual BS 7.95 Nil No max�Premium Std Variable 97%Both �300.00 ��

Manly Warringah CU 7.49 Nil 750,000.00�Minimiser Home Loan 95%P+I �675.00 ��

Maroondah Credit Union 7.50 Nil 750,000.00�No Frills Basic Variable 95%P+I �1538.50 ��

Members Equity Bank 8.04 Nil No max�Ultimate Offset 95%P+I �Nil ��

Mortgage House of Aust 7.74 Nil 2,000,000.00�Bullet All in One Var 100%Both �500.00 ��

New England CU NSW 7.94 Nil 1,000,000.00�Home Loan Redi-Draw 95%Both �375.00 ��

New England CU NSW 7.94 Nil 1,000,000.00�Mortgage Breaker 95%P+I �375.00 ��

NSW Teachers CU 7.70 Nil 500,000.00�First Home 95%P+I �250.00 ��

Police Credit 7.49 Nil No max�Base Rate Variable 95%P+I �666.00 ��

Police CU NSW 7.76 Nil No max�Standard Variable 95%Both �1045.00 ��

Qld Police Credit Union 8.07 Nil No max�Standard Variable 100%Both �804.00 ��

Qld Police Credit Union 7.57 Nil No max�Basic Home Loan 97%P+I �804.00 ��

Qld Professional CU 8.05 Nil No max�Standard Variable 95%Both �668.00 ��

Railways Credit Union 7.65 Nil No max�Home Mortgage Loan (L19) 97%P+I �550.00 ��

RAMS 8.17 96/a 2,000,000.00�Standard Variable 100%Both �350.00 ��

RTA Staff CU 7.99 Nil No max�Standard Variable 95%P+I �380.00 ��

Savings & Loans CU SA 8.07 Nil No max�Standard Variable 100%P+I �600.00 ��

SERVICE ONE Members Ba 8.00 Nil 1,300,000.00�Standard Var Home Loan 95%P+I �600.00 ��

SGE Credit Union 7.05 Nil 2,000,000.00�FirstChoice 1yr IntroVar 90%P+I �200.00 ��

SGE Credit Union 8.05 Nil 2,000,000.00�Standard Variable 95%P+I �200.00 ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

LoanP

ortable

STANDARD HOME LOAN

Redraw

"satisfactory value"St George Bank 7.39 Nil 1,000,000.00�Basic Home Loan 95%Both �350.00 ��

SUNCORP 8.07 10/m No max�Standard Variable 100%Both �600.00 ��

The Rock Building Soc 8.07 5/m 3,500,000.00�Standard Variable 97%Both �495.00 ��

Uni Credit Union 7.55 10/m 750,000.00�Everyday Basic HomeLn 95%P+I �700.00 ��

United Credit Union 7.60 8/m No max�Classic Home Loan 95%Both �750.00 ��

United Credit Union 8.07 8/m No max�Access Plus Home Loan 95%Both �600.00 ��

Victoria Teachers CU 7.97 Nil No max�Offset Home Loan 95%Both �600.00 ��

Victoria Teachers CU 7.47 Nil No max�Basic Home Loan 95%P+I �600.00 ��

Warwick Credit Union 8.07 Nil No max�Classic Home Loan 95%Both �982.00 ��

Westpac 8.07 8/m No max�Premium Option Home Loan 100%Both �600.00 ��



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVRLoan Fees ($250k) Max Loan

Upfront

Principal+Interest, Interest

OnlyOngoing

Company Extra Payments

Allowed

LoanP

ortable

1 YEAR FIXED RATE HOME LOAN

"superior value"Adelaide Bank 7.35 8/m No max�1 Year Fixed 100%Both �695.00 �

Austral Mortgage 7.40 Nil 2,000,000.00�Advantage Plus 1yr Fixed 95%Both �830.00 �

Community CPS Australia 7.35 Nil 2,000,000.00�1 Year Fixed 95%Both �695.00 �

Community First CU 7.24 Nil No max�True 1 year Fixed 95%P+I �1002.45 �

Heritage Building Soc 7.20 5/m No max�1 Year Fixed 95%Both �600.00 �

Lifeplan Funds Managemnt 6.74 Nil 400,000.00�FlexiSmart 1 year Fixed 100%P+I �600.00 �

Newcastle Permanent 7.34 Nil No max�1 year Fixed 97%Both �Nil �

NSW Teachers CU 7.18 Nil No max�Option 1 year Fixed 95%P+I �250.00 �

PowerState Credit Union 6.59 Nil No max�1 Year Fixed 97%P+I �731.00 �

Qld Professional CU 6.45 Nil No max�1 Year Fixed 95%Both �679.00 �

RTA Staff CU 7.44 Nil No max�1 year Fixed 95%P+I �380.00 �

Savings & Loans CU SA 7.39 Nil No max�1 Year Fixed 100%P+I �600.00 �

"exceptional value"Advantage Finance 7.10 Nil 1,000,000.00�FixedRatePlus 1yr Fixed 95%Both �635.00 �

ANZ Bank 7.35 10/m No max�1 Year Fixed 95%Both �500.00 �

Arab Bank Australia 7.17 8/m No max�1 year Fixed 95%Both �600.00 �

BankWest 7.35 12/m No max�1 Year Fixed 95%Both �700.00 �

Better Choice Home Loans 7.19 Nil No max�1 year Fixed 100.00%Both �730.00 �

Credit Union Australia 7.40 Nil No max�1 Year Fixed 97%Both �795.00 �

Gateway Credit Union 7.35 Nil No max�1 year Fixed 95%Both �Nil �

Illawarra CU NSW 7.42 Nil No max�1 Year Fixed 95%Both �957.50 �

Lifeplan Funds Managemnt 7.39 Nil 400,000.00�1 Year Fixed 100%P+I �600.00 �

Members Equity Bank 7.49 Nil No max�1 year Fixed 95%Both �Nil �

Members Equity Bank 7.35 Nil No max�Super Member 1yr Fixed 95%Both �Nil �

Sapphire Mortgage Servic 7.19 Nil No max�Sapphire+ 1yr Fxd 150k+ 97%Both �635.00 �

SGE Credit Union 7.49 Nil 2,000,000.00�Flexible Opt 1yr Fixed 90%Both �200.00 �

St George Bank 7.35 Nil No max�1 year Fixed 95%Both �700.00 �

The Rock Building Soc 7.19 5/m 3,500,000.00�1 year Fixed 97%Both �495.00 �

"strong value"Australian Central CU 7.35 7/m No max�1 Year Fixed 100%Both �830.00 �

Bank of Queensland 7.34 8/m No max�1 Year Fixed 100%Both �565.00 �

BankSA 7.35 10/m No max�1 Year Fixed 95%Both �700.00 �

Colonial 7.35 8/m No max�1 Year Fixed 97%Both �700.00 �

Commonwealth Bank 7.35 8/m No max�1 Year Fixed 97%Both �700.00 �

connectfinancial 7.35 Nil 1,000,000.00�1 year Fixed 97%P+I �332.00 �


26 March 2007 Page 1 of 3RESIDENTIAL 1 YEAR FIXED:

SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

LoanP

ortable


"strong value"Electricity CU 7.25 Nil No max�Premium Fixed Home Loan 97%P+I �680.00 �

Homeloans 7.04 Nil No max�Balanced Secure 1 yr Fxd 97%Both �949.00 �

IMB Limited 7.39 Nil No max�1 Year Fixed 100%Both �908.50 �

Maitland Mutual BS 7.35 Nil No max�Premium 1 year Fixed 97%Both �300.00 �

Maxis Loans 7.49 Nil No max�1 Year Fixed 95%P+I �Nil �

nab 7.35 8/m No max�Tailored HL 1yr Fixed 100%Both �600.00 �

Unicom Credit Union 7.42 Nil No max�1 Year Fixed 95%Both �957.50 �

Warwick Credit Union 7.49 5/m No max�Premium 1 year Fixed 95%Both �982.00 �

Warwick Credit Union 7.58 Nil No max�Classic 1 year Fixed 95%Both �982.00 �

Westpac 7.35 8/m No max�1 Year Fixed 100%Both �600.00 �

"rising star"First Pacific CU 7.40 Nil No max�1 year Fixed 97%Both �843.00 �

NSW Teachers CU 7.28 Nil No max�1 year IO Fixed 95%IO �250.00 �

one direct home loans 6.95 Nil No max�1 year fixed 95%Both �60.00 �

Qantas Staff CU 7.50 Nil 3,000,000.00�Options 1 year Fixed 80%Both �600.00 �

"average value"AMP Banking 7.35 349/a 2,000,000.00�1 Year Fixed 95%Both �Nil �

Bendigo Bank 7.35 8/m No max�1 Year Fixed 95%P+I �685.00 �

CHS Home Loans 7.35 8/m No max�1 year Fixed 97%P+I �700.00 �

Citibank 7.40 8/m 4,000,000.00�1 year Fixed 100%Both �649.00 �

Coastline Credit Union 7.44 Nil No max�1 Year Fixed 95%P+I �740.00 �

Encompass Credit Union 7.35 Nil No max�1 year Fixed 95%P+I �910.00 �

Greater Building Society 7.45 Nil 1,000,000.00�12 mth Fixed 95%P+I �Nil �

Holiday Coast CU 7.30 Nil No max�Fixed n Easy 1yr Fixed 95%P+I �675.00 �

HSBC 7.35 Nil 7,500,000.00�1 Year Fixed 97%Both �825.00 �

ING Bank 7.29 Nil 2,000,000.00�1 Year Fixed 100%Both �719.00 �

mecu 7.35 Nil 750,000.00�1 Year Fixed 100%P+I �595.00 �

nab 7.45 8/m No max�Tailored Hl 1yr Fixed IO 100%IO �600.00 �

Police CU SA 7.49 Nil No max�1 year Fixed 100%Both �781.08 �

Qld Teachers CU 7.35 Nil No max�1 Year Fixed 95%P+I �735.00 �

RESI Mortgage Corp 7.45 Nil 4,000,000.00�Complete 1 year Fixed 95%Both �616.00 �

SUNCORP 7.30 10/m No max�1 Year Fixed 100%Both �600.00 �

United Credit Union 7.35 8/m No max�Access Plus 1 year Fixed 95%Both �750.00 �

University Credit Soc 7.29 Nil No max�1 Year Fixed 95%Both �606.40 �

"satisfactory value"



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

LoanP

ortable


"satisfactory value"ABS Building Society 7.75 Nil No max�1 Year Fixed 95%P+I �840.00 �

AIMS Home Loans 7.73 Nil 2,000,000.00�1 year Fixed 95%Both �660.00 �

Aussie Home Loans 7.49 Nil No max�1 Year Fixed 95%Both �600.00 �

Austral Credit Union 7.67 Nil 750,000.00�1 year Fixed 95%P+I �1395.00 �

Austral Mortgage 7.39 Nil 1,000,000.00�Design a Loan 1yr Fixed 95%Both �750.00 �

B & E 7.35 8/m No max�1 Year Fixed 97%P+I �650.00 �

BMC Mortgage 7.90 Nil 2,000,000.00�Origin 1 year Fixed 97%Both �660.00 �

Collins Home Loans 7.64 Nil 2,000,000.00�1 year Fixed 95%Both �55.00 �

Home Building Society 7.35 8/m No max�1 year Fixed Rollover 90%Both �864.50 �

HomeSide Lending 7.35 6/m No max�1 Year Fixed 95%P+I �500.00 �

Horizon Credit Union 7.55 Nil No max�Horizon 1 year Fixed 95%Both �935.00 �

La Trobe Financial Servs 7.80 25/s 2,500,000.00�Home Loan 1 year Fixed 90%Both �1410.00 �

Macquarie Bank 7.55 Nil 2,000,000.00�1 Year Fixed 100%Both �750.00 �

Mortgage House of Aust 7.80 Nil 2,000,000.00�Home Loan Plus 1yr Fxd 97%Both �500.00 �

Nationwide Mortgage Corp 7.59 Nil 4,000,000.00�1 Year Fixed 90%Both �654.50 �

Pacific Mortgage Corp 7.75 Nil No max�1 Year Fixed 95%Both �764.50 �

Police Credit 7.39 Nil No max�1 year Fixed 95%Both �Nil �

Resident Home Loans 7.45 Nil No max�1 year Fixed 95%Both �800.00 �

Royal Guardian Mortgage 7.64 Nil 2,000,000.00�Royal 1 year Fixed 95%Both �1100.00 �

TIO Banking 7.55 7.50/m No max�1 year Fixed 95%Both �620.00 �

Uni Credit Union 7.35 Nil 750,000.00�1 year Fixed 97%P+I �700.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable



Advantage Finance 7.10 Nil 1,000,000.00�FixedRatePlus 2yr Fixed 95%Both �635.00 �




Defence Force CU 7.55 200/a No max�Flexi Choice 2yr Fixed 95%P+I �300.00 �

HomePath 7.09 Nil No max�2 year Fixed 97%Both �100.00 �






"exceptional value"Arab Bank Australia 7.17 8/m No max�2 year Fixed 95%Both �600.00 �




Gateway Credit Union 7.35 Nil No max�2 Year Fixed 95%Both �Nil �


Illawarra CU NSW 7.42 Nil No max�2 Year Fixed 95%Both �957.50 �

PowerState Credit Union 7.35 Nil No max�2 Year Fixed 97%P+I �731.00 �



Yes Home Loans 7.69 Nil 2,500,000.00�2 year Fixed 97%Both �835.00 �

"strong value"ANZ Bank 7.35 10/m No max�2 Year Fixed 95%Both �500.00 �

API Lifestyle Home Loans 7.25 Nil 2,500,000.00�2 Year Fixed 100%Both �323.00 �

Australian Central CU 7.35 7/m No max�2 Year Fixed 100%Both �830.00 �










SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"strong value"Royal Guardian Mortgage 7.20 Nil 2,000,000.00�Royal 2 year Fixed 95%Both �1100.00 �


Unicom Credit Union 7.42 Nil No max�2 Year Fixed 95%Both �957.50 �


"rising star"NSW Teachers CU 7.28 Nil No max�2 year IO Fixed 95%IO �250.00 �



State Custodians 7.20 Nil 2,500,000.00�Standard 2 year Fixed 100%Both �650.00 �

"average value"A M O Group 7.49 Nil 2,000,000.00�2 Year Fixed 100%Both �1170.00 �




Hibernian Credit Union 7.25 20/m No max�2 Year Fixed 90%IO �450.00 �




mecu 7.35 Nil 750,000.00�2 Year Fixed 100%P+I �595.00 �

nab 7.45 8/m No max�Tailored Hl 2yr Fixed IO 100%IO �600.00 �

Qld Teachers CU 7.35 Nil No max�2 Year Fixed 95%P+I �735.00 �

Satisfac Credit Union 7.62 Nil 1,250,000.00�Satisfac 2 year Fixed 95%P+I �800.00 �

SUNCORP 7.30 10/m No max�2 Year Fixed 100%Both �600.00 �

Warwick Credit Union 7.65 Nil No max�Classic 2 year Fixed 95%Both �982.00 �

Warwick Credit Union 7.60 5/m No max�Premium 2 year Fixed 95%Both �982.00 �

"satisfactory value"ABS Building Society 7.85 Nil No max�2 Year Fixed 95%P+I �840.00 �

AMP Banking 7.35 349/a 2,000,000.00�2 Year Fixed 95%Both �Nil �



B & E 7.40 8/m No max�2 Year Fixed 97%P+I �650.00 �


Coastline Credit Union 7.54 Nil No max�2 Year Fixed 95%P+I �740.00 �


Greater Building Society 7.75 Nil 1,000,000.00�24 mths Fixed 95%P+I �Nil �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"satisfactory value"Home Building Society 7.35 8/m No max�2 year Fixed Rollover 90%Both �864.50 �




Memberfirst Credit Union 7.35 Nil No max�2 year Fixed 95%P+I �600.00 �

Morgan Brooks DIRECT 7.19 Nil 2,500,000.00�Premier 2 year Fixed 95%Both �700.00 �



Police CU SA 7.49 Nil No max�2 year Fixed 100%Both �781.08 �

Queenslanders CU 7.90 Nil No max�2 Year Fixed 95%P+I �595.00 �

RAMS 7.35 96/a 2,000,000.00�Standard Var 2yr Fixed 100%Both �350.00 �

RAMS 7.35 Nil 2,000,000.00�Basic 2 year Fixed 100%Both �645.00 �

RAMS 7.35 Nil 2,000,000.00�Smartway 2 year Fixed 100%Both �745.00 �

Satisfac Credit Union 7.70 Nil 750,000.00�Integris 2 year Fixed 95%P+I �800.00 �

Sutherland Credit Union 7.45 8/a 750,000.00�2 year Fixed 95%P+I �1055.00 �



United Credit Union 7.35 8/m No max�Access Plus 2 year Fixed 95%Both �750.00 �


Wizard Home Loans 7.25 Nil 1,000,000.00�2 year Fixed 100%Both �760.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"superior value"Adelaide Bank 7.35 8/m No max�3 year Fixed 100%Both �695.00 �




Community CPS Australia 7.35 Nil 2,000,000.00�3 year Fixed 95%Both �695.00 �


Credit Union Australia 7.29 Nil No max�3 year Fixed 97%Both �795.00 �

Defence Force CU 7.55 200/a No max�Flexi Choice 3yr Fixed 95%P+I �300.00 �


Illawarra CU NSW 7.31 Nil No max�3 year Fixed 95%Both �957.50 �





Savings & Loans CU SA 7.29 Nil No max�3 year Fixed 100%P+I �600.00 �

"exceptional value"ANZ Bank 7.35 10/m No max�3 year Fixed 95%Both �500.00 �


Australian Central CU 7.29 7/m No max�3 year Fixed 100%Both �830.00 �

BankSA 7.19 10/m No max�3 year Fixed 95%Both �700.00 �

BankWest 7.35 12/m No max�3 year Fixed 95%Both �700.00 �

Colonial 7.35 Nil No max�3 year Fixed 97%Both �100.00 �

Commonwealth Bank 7.35 8/m No max�3 year Fixed 97%Both �700.00 �

Heritage Building Soc 7.30 5/m No max�3 year Fixed 95%Both �600.00 �


Lifeplan Funds Managemnt 7.49 Nil 400,000.00�3 year Fixed 100%P+I �600.00 �





SUNCORP 7.19 10/m No max�3 year Fixed 100%Both �600.00 �


Unicom Credit Union 7.31 Nil No max�3 year Fixed 95%Both �957.50 �

Westpac 7.19 8/m No max�3 year Fixed 100%Both �600.00 �

"strong value"



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"strong value"A M O Group 7.49 Nil 2,000,000.00�3 year Fixed 100%Both �1170.00 �

Bank of Queensland 7.24 8/m No max�3 year Fixed 100%Both �565.00 �

Bendigo Bank 7.25 8/m No max�3 year Fixed 95%P+I �685.00 �




HSBC 7.29 Nil 7,500,000.00�3 year Fixed 97%Both �825.00 �

IMB Limited 7.34 Nil No max�3 year Fixed 100%Both �908.50 �

ING Bank 7.29 Nil 2,000,000.00�3 year Fixed 100%Both �719.00 �


Maxis Loans 7.49 Nil No max�3 year Fixed 95%P+I �Nil �

mecu 7.19 Nil 750,000.00�3 year Fixed 100%P+I �595.00 �

nab 7.35 8/m No max�Tailored HL 3yr Fixed IO 100%IO �600.00 �

Qld Teachers CU 7.35 Nil No max�3 year Fixed 95%P+I �735.00 �


Satisfac Credit Union 7.62 Nil 1,250,000.00�Satisfac 3 year Fixed 95%P+I �800.00 �

Yes Home Loans 7.83 Nil 2,500,000.00�3 year Fixed 97%Both �835.00 �

"rising star"NSW Teachers CU 7.28 Nil No max�3 year IO Fixed 95%IO �250.00 �




"average value"AMP Banking 7.18 349/a 2,000,000.00�3 year Fixed 95%Both �Nil �

API Lifestyle Home Loans 7.35 Nil 2,500,000.00�3 year Fixed 100%Both �323.00 �

Bananacoast Community CU 7.30 Nil 7,000,000.00�3 year Fixed 100%Both �520.00 �




HomeSide Lending 7.29 6/m No max�3 year Fixed 95%P+I �500.00 �

Police CU SA 7.49 Nil No max�3 year Fixed 100%P+I �781.08 �

PowerState Credit Union 7.69 Nil No max�3 year Fixed 97%P+I �731.00 �

SERVICE ONE Members Ba 7.45 Nil 1,300,000.00�3 year Fixed 95%Both �600.00 �

University Credit Soc 7.29 Nil No max�3 year Fixed 95%Both �606.40 �

Virgin Money 7.45 Nil 2,000,000.00�3 year Fixed 80%Both �310.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"average value"Wizard Home Loans 7.35 Nil 1,000,000.00�3 year Fixed 100%Both �760.00 �

"satisfactory value"ABS Building Society 7.85 Nil No max�3 year Fixed 95%P+I �840.00 �

AIMS Home Loans 7.67 Nil 2,000,000.00�3 year Fixed 95%Both �660.00 �

Aussie Home Loans 7.49 Nil No max�3 year Fixed 95%Both �600.00 �


BMC Mortgage 7.85 Nil 2,000,000.00�Origin 3 year Fixed 97%Both �660.00 �

Hibernian Credit Union 7.40 20/m No max�3 year Fixed 90%IO �450.00 �

Holiday Coast CU 7.19 Nil No max�Fixed n Easy 3yr Fixed 95%P+I �675.00 �



Nationwide Mortgage Corp 7.29 Nil 4,000,000.00�3 year Fixed 90%Both �654.50 �

Police & Nurses Credit 7.30 5/m 1,000,000.00�3 year Fixed 97%Both �650.00 �


Police CU NSW 7.49 Nil No max�Fixed Rate Home Loan 95%Both �1045.00 �

Queenslanders CU 7.90 Nil No max�3 year Fixed 95%P+I �595.00 �

RAMS 7.35 Nil 2,000,000.00�SmartWay 3 year Fixed 100%Both �745.00 �




Satisfac Credit Union 7.70 Nil 750,000.00�Integris 3 year Fixed 95%P+I �800.00 �





SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable
















"exceptional value"ANZ Bank 7.35 10/m No max�5 Year Fixed 95%Both �500.00 �


Australian Central CU 7.35 7/m No max�5 Year Fixed 100%Both �830.00 �









Yes Home Loans 7.77 Nil 2,500,000.00�5 year Fuxed 97%Both �835.00 �

"strong value"A M O Group 7.54 Nil 2,000,000.00�5 Year Fixed 100%Both �1170.00 �





Maxis Loans 7.49 Nil No max�5 Year Fixed 95%P+I �Nil �

nab 7.35 8/m No max�Tailored HL 5yr Fixed IO 100%IO �600.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"strong value"SUNCORP 7.20 10/m No max�5 Year Fixed 100%Both �600.00 �

Virgin Money 7.45 Nil 2,000,000.00�5 year Fixed 80%Both �310.00 �

"rising star"Illawarra CU NSW 7.43 Nil No max�5 year Fixed 95%Both �957.50 �



"average value"AMP Banking 7.24 349/a 2,000,000.00�5 Year Fixed 95%Both �Nil �

API Lifestyle Home Loans 7.45 Nil 2,500,000.00�5 Year Fixed 100%Both �323.00 �

Bananacoast Community CU 7.39 Nil 7,000,000.00�5 year Fixed 100%Both �520.00 �







SERVICE ONE Members Ba 7.45 Nil 1,300,000.00�5 Year Fixed 95%Both �600.00 �

Wizard Home Loans 7.35 Nil 1,000,000.00�5 year Fixed 100%Both �760.00 �

"satisfactory value"AIMS Home Loans 7.66 Nil 2,000,000.00�5 year Fixed 95%Both �660.00 �




Greater Building Society 7.70 Nil 1,000,000.00�49-60mth Fixed 95%P+I �Nil �





Police & Nurses Credit 7.35 5/m 1,000,000.00�5 year Fixed 97%Both �650.00 �


Police CU SA 7.59 Nil No max�5 year Fixed 100%P+I �781.08 �



RAMS 7.35 Nil 2,000,000.00�SmartWay 5 year Fixed 100%Both �745.00 �




SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"satisfactory value"Satisfac Credit Union 7.70 Nil 750,000.00�Integris 5 year Fixed 95%P+I �800.00 �





SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable

STANDARD INVESTMENT HOME LOAN

Redraw

F

acility

�� "superior value"Adelaide Bank-OthrStates 7.30 8/m No max4Smartsuite Fit Var Invt 100%Both 4695.00 44

Advantage Finance 7.20 Nil 1,000,000.004Investment Standard Plus 95%Both 8635.00 44

Advantage Finance 6.83 330/a 750,000.004ChoiceRate ReducerPro In 95%Both 81625.00 44

Advantage Finance 6.93 Nil 1,000,000.004Invt Choices RateReducer 95%Both 81460.00 44

AIMS Home Loans 6.44 Nil 300,000.008Invt Super Rate Variable 80%P+I 81430.00 84

ANZ Bank 7.37 10/m No max4Invt Money Saver > $250k 95%Both 8500.00 44

Collins Home Loans 7.34 Nil 2,000,000.004Invt MultiOption Premium 97%Both 455.00 44

FCCS Credit Union 7.19 Nil No max4Investment Variable>$250 100%Both 8897.00 44

HomePath 7.21 Nil No max4Investment Var Home Loan 97%Both 8100.00 44

Hume Building Society 7.40 Nil 2,000,000.004Invt Interest Saver 95%Both 8600.00 44

Loan Australia Corp 6.89 30/m 500,000.008Discount Saver Invt Var 95%Both 8355.00 44

Loan Australia Corp 6.99 Nil No max4Flexi-Plus Invt Var 95%Both 8355.00 44

Macquarie Bank 7.39 Nil 999,999.994Invt Mortgage Saver >250 100%Both 4650.00 44

mecu 7.55 Nil No max4Invt Premium $250k+ 100%P+I 4595.00 44

Mortgage Ezy 6.99 Nil 2,000,000.004Invt Ezy Stand Fee Free 100%Both 81257.00 44

Mortgage Ezy 7.19 Nil 2,000,000.004Invt Ezy Stand 100% Var 100%Both 81257.00 44

MyRate 7.19 Nil 2,000,000.004Invt Advantage Rate Var 100%Both 8Nil 44

nab 7.37 Nil 499,999.994Invt Base Var Rate Disc1 95%Both 8600.00 44

Newcastle Permanent 7.44 Nil No max4Invt Real Deal Home Ln 95%Both 8Nil 44

one direct home loans 7.21 Nil No max4Variable Investment 95%Both 860.00 44

Rate Busters 6.90 Nil 2,000,000.004Investment Rate Buster 98%Both 41895.00 44

Royal Guardian Mortgage 7.25 Nil 2,000,000.004Basic Home Loan Invest 95%Both 8820.00 44

Royal Guardian Mortgage 7.24 150/s 2,000,000.004Invt Royal Discount 100%Both 41100.00 44

Sapphire Mortgage Servic 7.20 Nil No max4Invt Sapphire+ Var 150k+ 100%Both 8635.00 44

Savings & Loans CU SA 7.37 8/m No max4Inv DiscountVariable>250 100%P+I 4600.00 44

Select Credit Union 7.44 Nil No max4Value Plus Home Plus Inv 95%Both 4697.00 44

State Custodians 7.30 Nil 2,500,000.004Invt Standard Variable 100%Both 4650.00 44

Virgin Money 7.34 Nil 749,999.994Invt Standard Var <$750k 80%Both 4310.00 44

Yes Home Loans 7.54 Nil 2,400,000.004Investment Credit Access 97%Both 8835.00 44

Yes Home Loans 7.29 300/a 2,500,000.004Invt Basic Home Loan 80%Both 8835.00 44

�� "exceptional value"API Lifestyle Home Loans 7.37 Nil 2,500,000.004Investment Variable 97%Both 8323.00 44

Arab Bank Australia 7.34 8/m No max4Invt Basic Home Loan 95%Both 8600.00 44

Aussie Home Loans 7.55 40/q 349,999.994Invt Premium Plus<$350k 100%Both 8350.00 44

Bananacoast Community CU 7.37 Nil 7,000,000.008Invt Premier Package Var 100%Both 4520.00 84

BankSA 7.49 12/m No max4Invt Essential Home Loan 95%Both 8700.00 44


26 March 2007 Page 1 of 8INVESTMENT VARIABLE HOME LOAN:

SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

�� "exceptional value"BankWest 7.40 Nil No max4Invt Lite Home Loan 95%Both 8Nil 44

Collins Home Loans 7.34 Nil No max4Investment EasiSaver 95%Both 8Nil 44

Companion CU 7.65 Nil 1,000,000.004Investment Home Loan 95%Both 8558.00 44

eChoice 7.43 Nil 2,000,000.004Investment Premium 97%Both 4Nil 44

Gateway Credit Union 7.49 Nil No max4Investment Variable 95%Both 4Nil 48

Illawarra Home Loans 7.30 Nil 1,200,000.004Rightway RateSaver Invt 95%Both 8990.00 44

Illawarra Home Loans 7.40 Nil 1,200,000.004Rightway Invt 95%Both 8Nil 44

IMB Limited 7.42 Nil No max4Invt Budget Blue Loan 100%Both 8908.50 44

IMB Limited 7.45 8/m No max4Invt Budget Loan 100%Both 8908.50 44

ING Direct 7.40 Nil 2,000,000.004Mortgage Simplifier Invt 100%Both 8220.00 44

mecu 7.47 Nil No max4Invt Basic Variable 100%P+I 8595.00 44

Morgan Brooks DIRECT 7.39 Nil 2,500,000.004Invt Premier Variable 95%Both 8700.00 44

MyRate 7.20 Nil 600,000.004Investment 100% Variable 100%Both 8Nil 44

nab 7.32 10/m No max4Invt 3yr Intro Var 95%P+I 8600.00 44

Qantas Staff CU 6.75 Nil 3,000,000.004Invt Plus Honeymoon 1yr 80%P+I 4600.00 84

RAMS 7.40 Nil 2,000,000.004Invt Interest Saver Var 100%Both 8150.00 44

Refund Mortgage 7.35 Nil 2,000,000.004Homeloan Std Var Inv 95%Both 4960.00 44

RESI Mortgage Corp 7.44 Nil 4,000,000.004Invt Complete Home Loan 95%Both 8616.00 44

Royal Guardian Mortgage 7.34 Nil 4,000,000.004Investment Royal Starter 100%Both 81100.00 44

RTA Staff CU 7.29 Nil No max8Investmnt Fastroad Basic 95%P+I 8630.00 44

Sapphire Mortgage Servic 7.04 10/m 500,000.004Invt Sapphire Classic 95%Both 81460.00 44

Yes Home Loans 7.14 Nil 1,250,000.004Invt Discount Access 1yr 90%Both 8835.00 44

�� "strong value"A M O Group 7.74 Nil 2,000,000.004Investment Variable 95%Both 81170.00 44

AIMS Home Loans 7.30 299/a 2,000,000.004Invt EasyStart Home Loan 95%P+I 8660.00 44

ANZ Bank 8.07 10/m 699,999.994Investment Variable 95%Both 4500.00 44

ANZ Bank 6.75 10/m No max4Invt Easy StartVar>$150k 95%P+I 4500.00 44

Assured Home Loans 7.27 Nil 2,000,000.004Invt RateBreaker Var 98%Both 43480.50 44

Austral Mortgage 7.42 Nil 499,999.994Inv AdvantagePlusVar<500 95%Both 4830.00 44

Austral Mortgage 7.30 Nil 1,000,000.004Invt Design a Loan Var 95%Both 8750.00 44

Bank of Cyprus Australia 7.25 8/m No max4Essential Home Loan Invt 90%Both 8904.50 84

Bank of Queensland 7.49 10/m No max4Invt Economy Home Loan 100%Both 8665.00 44

BMC Mortgage 7.40 Nil 2,000,000.004Invt Premium Choice Var 97%Both 8725.00 44

Capricornia CU 7.49 Nil 1,000,000.008Premier Plus Invest 95%Both 4990.00 44

CHS Home Loans 7.34 8/m No max4Invt 3yr Spec Rate Saver 97%Both 8700.00 48

Collins Home Loans 7.28 Nil 2,000,000.004Invt Basic Variable 95%Both 855.00 44



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

�� "strong value"Colonial 7.34 Nil No max8Invt 3yr Spec Rate Saver 97%Both 8100.00 44

Commonwealth Bank 7.34 8/m No max8Invt Economiser 3y Intro 97%P+I 8700.00 44

Community CPS Australia 7.49 7.50/m 2,000,000.004Straight Forward Invt Ln 95%P+I 8695.00 44

Companion CU 7.95 Nil 1,000,000.004Investment LifestylePlus 95%Both 4Nil 44

Credit Union Australia 7.59 Nil No max8Invesment Disc Home Loan 97%Both 4795.00 44

GE Money 7.40 Nil 499,999.994Invt FlexibleOption >250 100%Both 8500.00 44

Heritage Building Soc 7.35 Nil No max8Basic Variable Invt 95%P+I 4600.00 44

HomeSide Lending 7.62 Nil No max4Plain and Simple IntOnly 95%Both 8300.00 44

Hume Building Society 7.90 Nil 2,000,000.004Investment Variable 95%Both 4600.00 44

Illawarra Home Loans 7.40 Nil 1,200,000.004Rightway Refund Invt 95%Both 8990.00 44

Illawarra Home Loans 7.40 Nil 1,200,000.004Rightway Investment Invt 95%Both 8660.00 44

ING Bank 7.40 Nil 2,000,000.004Invt Mortgage Simplifier 100%Both 8220.00 44

Laiki Bank 7.20 10/m 1,500,000.004Invt Promotional Var 95%Both 4Nil 44

Locumsgroup 7.43 Nil 1,125,000.004Invt Fully Optioned Loan 95%Both 8770.00 44

mecu 8.05 Nil No max4Investment Premium 95%Both 4595.00 44

Members Equity Bank 7.49 Nil No max4Invt Std Var SuperMember 95%Both 8Nil 44

Nationwide Mortgage Corp 7.49 Nil 4,000,000.004Invt FirstChoice Home Ln 90%Both 8654.50 44

Newcastle Permanent 7.84 Nil No max4Investment Real Options 95%Both 8Nil 44

Newcastle Permanent 6.73 Nil No max4Invt 1yr Discount Rate 95%Both 8Nil 44

Pacific Mortgage Corp 7.59 Nil No max4Invt Premium Access 95%Both 8764.50 44

Pacific Mortgage Corp 5.99 Nil No max4Inv DiscPrem Access 6mth 95%Both 8764.50 44

Pacific Mortgage Corp 6.79 Nil No max4Invt DiscPrem Access 1yr 95%Both 8764.50 44

Police & Nurses Credit 7.40 5/m No max8Invt Easypay Variable 95%Both 4650.00 44

Qantas Staff CU 7.50 Nil 3,000,000.004Investment Essentials 80%P+I 8600.00 88

Qantas Staff CU 7.75 Nil 3,000,000.004Investment Plus Var 80%P+I 4600.00 84

Qantas Staff CU 7.50 Nil 499,999.998Invt Step Ahead <$500K 95%IO 4Nil 84

Qld Professional CU 7.55 10/m No max8Invt Friendly Home Loan 90%Both 4689.00 44

RAMS 7.44 Nil 2,000,000.004Invt Basic Interest Var 100%Both 8645.00 48

RAMS 7.24 300/a 2,000,000.004Rams Investor 100%IO 8745.00 48

Rate Busters 7.27 Nil 2,000,000.004Investment Fee Buster 98%Both 4220.00 44

Rate Busters 6.92 Nil 2,000,000.004Invt RateBuster Direct 98%Both 81895.00 44

Refund Mortgage 7.35 Nil 2,500,000.004Prime Loan Investment 95%Both 4960.00 44

Resident Home Loans 7.15 Nil 2,000,000.004Invt Resident Home Loan 95%Both 8800.00 44

Satisfac Credit Union 7.32 Nil 1,250,000.008Investment First Home Ln 90%P+I 8800.00 44

SERVICE ONE Members Ba 7.25 Nil 1,300,000.004Investment Basic Var 95%Both 8600.00 44

SUNCORP 7.49 Nil No max4Invt Back to Basics 100%Both 8Nil 44



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

�� "strong value"Sutherland Credit Union 7.49 Nil 750,000.004Investment Home Plus 95%P+I 41055.00 44

The Rock Building Soc 7.53 5/m 3,500,000.004Investment Basic Var 97%Both 8495.00 44

The Rock Building Soc 7.24 10/m 3,500,000.004Invt Rock Advantage 97%Both 8495.00 44

� "rising star"Mortgage Ezy 7.99 Nil 3,500,000.004Invt Ezy Eraser Variable 100%Both 41337.00 44

�� "average value"Adelaide Bank 8.07 8/m No max4Investment Variable 100%Both 4695.00 44

Adelaide Bank 6.75 8/m No max4Invt Discount Var 1yr 100%Both 4695.00 44

Adelaide Bank 7.37 Nil 1,000,000.004Investemnt Greatsaver 100%P+I 8695.00 84

Adelaide Bank 5.99 8/m No max4Invt Disc Var 6mth 100%Both 4695.00 44

AIMS Home Loans 7.65 Nil 2,000,000.004Invt Smarter Way Varble 90%Both 8660.00 44

AMP Banking 7.39 Nil 2,000,000.004Invt Basic Variable Loan 95%Both 8Nil 44

Assured Home Loans 7.54 Nil 2,000,000.004Invt EasyStart Variable 98%Both 4730.50 44

Aussie Home Loans 7.49 Nil No max4Investment Basic Var 100%Both 8600.00 44

Austral Credit Union 7.42 2/m 1,000,000.004Invt Standard Home Loan 95%P+I 8500.00 44

Australian Central CU 7.49 8/m No max4Invt Discount Variable 100%P+I 8830.00 44

Bananacoast Community CU 7.57 Nil 7,000,000.008Invt Flexi Home Loan 100%Both 4520.00 84

BankSA 8.07 10/m No max4Investment Variable 95%Both 4700.00 44

BankSA 6.74 10/m No max4Invt Disc Great Start 95%Both 4700.00 44

Bankstown City CU 7.49 Nil 750,000.008Property Manager 95%Both 81139.75 84

BMC Mortgage 7.70 Nil 1,500,000.004Invt Interstar Variable 95%Both 8660.00 44

BMC Mortgage 7.54 Nil 2,000,000.004Invt Standard Variable 97%Both 8685.00 44

CHS Home Loans 7.56 8/m 500,000.008Invt RateSaver Home Loan 97%Both 8700.00 48

Circle Credit Co-op 7.64 Nil 750,000.004Rate Plus 95%Both 8500.00 84

Citibank 7.00 250/a 1,000,000.004Invt Offset Intro 1yr 95%Both 4799.00 44

Collins Home Loans 6.95 Nil 2,000,000.004Invt DirectSaver Intr 1y 95%Both 8899.00 44

Colonial 6.74 8/m No max4Invt 12mth Discount Var 97%Both 4700.00 44

Colonial 6.44 8/m No max4Invt 6mth Discount Var 97%Both 4700.00 44

Commonwealth Bank 8.07 8/m No max4Investment Variable 97%Both 4550.00 44

Commonwealth Bank 7.56 8/m No max8Invt Economiser HL P&I 97%P+I 8700.00 44

Commonwealth Bank 6.44 8/m No max4Invt 6mth Discount Var 97%Both 4700.00 44

Commonwealth Bank 6.74 8/m No max4Invt 12mth Discount Var 97%Both 4700.00 44

Community CPS Australia 8.05 Nil 2,000,000.004Investment Variable 95%Both 8695.00 44

Community First CU 7.30 Nil 2,500,000.004True Basic Home Loan Inv 95%P+I 81003.18 44

connectfinancial 7.49 Nil 1,000,000.004Invt Alternative Home Ln 97%P+I 8332.00 44



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

�� "average value"Credit Union Australia 7.47 Nil No max8Invt Basic Variable 97%Both 8795.00 44

Credit Union Australia 7.29 Nil No max8Invt Basic Variable>250k 97%Both 8795.00 44

Defence Force CU 7.42 Nil No max8Invt TrueValue Home Loan 95%P+I 8400.00 44

eChoice 7.29 Nil 2,000,000.008Invt Standard Saver 100%Both 8Nil 44

Heritage Building Soc 6.82 5/m No max4Invt Value Plus 1yr Var 95%P+I 4600.00 44

Hibernian Credit Union 7.24 8.50/m No max8Investment Variable 90%P+I 8450.00 84

Holiday Coast CU 7.49 Nil No max8Invt Mortgage Plus Std 95%P+I 8600.00 44

Homeloans 7.69 Nil No max4Smart Saver Investment 97%Both 8884.00 44

HomeSide Lending 7.51 Nil No max4Inv Plain and Simple P+I 95%P+I 8300.00 44

Horizon Credit Union 7.70 5/m No max4Invt Basic Home Loan 95%Both 8935.00 44

HSBC 7.32 Nil 2,000,000.004Home Value Investment 95%Both 8825.00 44

Illawarra CU NSW 7.57 8/m No max8Basic Home Loan Invest 95%P+I 8957.50 44

islandstate CU 7.44 Nil No max4Investment Smart Change 100%P+I 8650.00 44

Lifeplan Funds Managemnt 7.49 Nil 400,000.004Investment FlexiSmart 97%P+I 8600.00 84

Maitland Mutual BS 7.45 Nil 750,000.008Invt Mutual Home Loan 97%Both 8300.00 44

Maroondah Credit Union 7.50 Nil 750,000.004Investment No Frills Bas 95%Both 81538.50 84

Maxis Loans 7.74 Nil No max4Invt Interest Only Loan 95%IO 8Nil 44

Members Equity Bank 7.74 Nil No max4Investment Std Variable 95%Both 8Nil 44

Members Equity Bank 7.79 Nil No max4Inv Ultimate SuperMember 95%P+I 4Nil 44

Members Equity Bank 7.74 Nil No max4Invt Interest Only Loan 95%Both 8Nil 44

Mortgage House of Aust 7.59 Nil 2,000,000.004Invt Home Loan Plus Var 100%Both 8500.00 44

Mortgage House of Aust 7.60 Nil 3,500,000.004Invt Access Variable 97%Both 4600.00 44

nab 8.07 8/m No max4Invt Tailored Home Loan 100%Both 4600.00 44

NSW Teachers CU 7.95 Nil No max4Investment Variable IO 95%IO 8250.00 44

NSW Teachers CU 7.95 Nil No max4Investment Flexi Choice 95%P+I 8250.00 44

NSW Teachers CU 7.35 Nil No max8Investment Basic Opt 95%P+I 8250.00 44

Police CU SA 7.34 10/m No max4Invt Discount Variable 100%P+I 8781.08 48

Qantas Staff CU 7.75 Nil 3,000,000.004Invt Options Var IO 80%IO 8600.00 88

SGE Credit Union 7.05 Nil 2,000,000.004Invt Investment 1yIntVar 97%P+I 4590.00 44

St George Bank 8.07 Nil No max4Investment Variable 95%Both 4700.00 44

St George Bank 6.74 Nil No max4Invt Discount Var Rate 95%Both 4700.00 44

Stellar Finance 7.50 Nil 2,000,000.004Investment Standard Var 95%Both 8685.00 44

StGeorge QLD VIC TAS WA 8.07 10/m No max4Invest Standard Variable 95%Both 4700.00 44

The Rock Building Soc 6.74 10/m 3,500,000.004Invt Intro HL Cruncher 97%Both 4795.00 44

University Credit Soc 7.60 Nil No max4Investment Variable 95%Both 8606.40 44

University Credit Soc 6.25 Nil No max4Invest 1 yr Spec Var 95%P+I 8606.40 44



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

�� "average value"Victoria Teachers CU 7.47 Nil No max4Invt Basic Home Loan 95%P+I 8600.00 84

Warwick Credit Union 7.49 5/m No max4Invt Essential Home Ln 95%Both 81082.00 44

Westpac 8.07 199/a No max4Investment Rocket Loan 97%Both 4750.00 44

Westpac 7.37 10/m 750,000.008Invt First Option Loan 97%P+I 8750.00 44

Wizard Home Loans 7.39 Nil 750,000.004Investment Clear Value 100%Both 8760.00 44

� "satisfactory value"ABS Building Society 7.95 Nil No max4Inv Var- New Customers 95%Both 8840.00 44

AIMS Home Loans 6.22 Nil 1,000,000.004Invt Best Choice Dis Var 90%Both 8660.00 44

AIMS Home Loans 8.05 Nil 2,000,000.004Investment Complete Var 95%Both 8660.00 44

AIMS Home Loans 7.93 Nil 2,000,000.004Invt Gold Standard Var 95%Both 8660.00 44

Arab Bank Australia 8.05 Nil No max4Invt Standard Variable 95%Both 8600.00 44

Arab Bank Australia 6.64 8/m No max4Invt HeadStart Int 12mth 95%Both 8600.00 44

Arab Bank Australia 5.74 8/m No max8Invt HeadStart Intr 6mth 95%Both 8600.00 44

Aussie Home Loans 7.95 Nil No max4Invt Standard Variable 100%Both 8600.00 44

Austral Mortgage 7.67 Nil 750,000.004Invt Wealth Maximiser 90%IO 8750.00 44

Australian Central CU 8.07 7/m No max4Investment Variable 100%Both 8830.00 44

Bananacoast Community CU 8.05 Nil 7,000,000.008Investment Variable 100%Both 4520.00 84

Bank of Queensland 8.07 8/m No max4Investment Variable 100%Both 4565.00 44

BankWest 8.07 Nil No max4Invt Mortgage Shredder 95%Both 4700.00 44

BankWest 7.07 12/m No max4Invt MortShredder 1y Var 95%Both 4700.00 44

Better Choice Home Loans 7.70 Nil No max4Investment Homelend Plus 90%Both 8715.00 44

Better Choice Home Loans 7.55 Nil No max4Invt Balanced Variable 97.00%Both 4730.00 44

Capricornia CU 7.99 Nil 1,000,000.008Investment Variable 95%Both 4400.00 44

CHS Home Loans 8.07 8/m No max4Investment Variable 97%P+I 8700.00 44

Citibank 7.00 250/a 1,000,000.004Invt Std Var Intro 1 yr 95%Both 8799.00 44

Citibank 7.71 125/s 299,999.994Invt Std Var >$200k<300k 95%Both 8649.00 44

Colonial 8.07 8/m No max4Investment Variable 97%Both 4700.00 44

Colonial 7.56 8/m No max8Invt Rate Saver HL P&I 97%P+I 8700.00 44

Colonial 7.56 8/m No max8Invt Rate Saver Int Only 97%IO 8700.00 44

Community First CU 8.05 Nil No max4Invt True Value Var HL 95%Both 41002.00 84

Credit Union Australia 6.84 Nil No max8Invt Intro 1yr Var 97%Both 4795.00 84

Credit Union Australia 7.99 Nil No max8Investment Variable 97%Both 4795.00 44

Defence Force CU 7.80 10/m No max4Investment Variable 90%Both 8Nil 44

Defence Force CU 7.74 Nil No max8Invt First Plus Variable 95%P+I 4Nil 44

Fire Services CU 7.49 Nil No max8Investment Variable 80%Both 8548.50 84



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

� "satisfactory value"First Pacific CU 8.00 Nil No max4Invt Mortgage Plus Var 97%Both 4843.00 48

First Pacific CU 7.90 Nil No max4Invt Its Personal Var 97%P+I 4941.00 48

Greater Building Society 7.70 Nil 1,000,000.004Invt Stand Var New Cust 95%P+I 8Nil 84

Heritage Building Soc 7.99 Nil No max4Investment Premium Var 95%Both 4600.00 44

Home Building Society 7.35 Nil No max4Invt No Frills Home Loan 95%P+I 8514.50 44

Home Building Society 7.35 Nil No max4No Frills Home Loan IO 95%IO 8514.50 44

Homeloans 7.90 Nil No max4Balanced Securitised 97%Both 4949.00 44

Homeloans 7.49 Nil 1,000,000.004All Purpose Saver Invt 95%Both 8964.00 44

Homeloans 7.55 400/a No max4R8 Saver Variable Invt 97%Both 8949.00 44

HSBC 8.02 Nil 7,500,000.004Investment Variable 95%Both 8825.00 44

HSBC 6.75 25/m 7,500,000.004Invt 1 Yr Disc Variable 97%Both 8825.00 44

IMB Limited 8.07 Nil No max4Investment Variable 100%Both 4908.50 44

IMB Limited 7.07 Nil No max4Invt Discount Var 1 year 100%Both 8908.50 44

Industries Mutual CU 7.80 Nil 750,000.008Investment Variable 95%Both 4795.00 84

Industries Mutual CU 7.49 Nil No max8Investment Basic Var 95%P+I 8795.00 44

Intech Credit Union 7.70 Nil 1,000,000.004Investment Loan 95%IO 4835.00 84

islandstate CU 7.70 Nil No max4Investment Smart Rate 100%P+I 8650.00 44

islandstate CU 8.20 Nil No max4Investment Smart Options 100%P+I 4650.00 44

La Trobe Country Credit 7.45 Nil 500,000.008Invt Securitised Loan 90%P+I 81009.50 84

Macquarie Credit Union 7.82 Nil No max8Investment Property Var 95%Both 8Nil 84

Maroondah Credit Union 7.80 Nil 750,000.008Investment Variable 95%Both 81338.50 84

Maxis Loans 8.04 Nil No max4Invt Money Manager Off 95%P+I 4Nil 44

Members Equity Bank 8.04 Nil No max4Invt Ultimate Offset 95%P+I 4Nil 44

Mortgage House of Aust 7.74 Nil 2,000,000.004Invt Bullet All in One 100%Both 8500.00 44

nab 6.69 10/m No max4Invt 12mth Intro Var 95%P+I 8600.00 44

Newcastle Permanent 8.06 7/m No max4Invt Premium Variable 95%P+I 4Nil 44

Orange Credit Union 7.77 Nil No max8Real Estate Investment 97%P+I 8600.00 84

Police & Nurses Credit 7.50 5/m No max8Invt Advantage Home Loan 100%P+I 8650.00 84

Police Credit 7.49 Nil No max8Invt Base Rate Variable 95%P+I 8666.00 84

Police CU NSW 7.76 Nil No max4Investment Variable 90%Both 41045.00 88

PowerState Credit Union 8.07 Nil No max4Investment Variable 90%Both 4731.00 44

Qld Police Credit Union 7.57 Nil No max4Basic Home Loan Invest 97%P+I 8804.00 48

Qld Professional CU 8.05 Nil No max8Investment Variable 90%Both 4668.00 44

Queenslanders CU 7.49 Nil No max8Invt Original Home Loan 90%Both 8595.00 44

RAMS 8.19 Nil 2,000,000.004Investment SmartWay 100%Both 4745.00 44

RAMS 8.17 96/a 2,000,000.004Invt Standard Variable 100%Both 4350.00 44



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available

Max LVR


Upfront


OnlyOngoing


Available

Loan P

ortable


Redraw

F

acility

� "satisfactory value"Savings & Loans CU SA 8.07 Nil No max4Investment Variable 100%Both 8600.00 44

SGE Credit Union 7.05 Nil 2,000,000.004Invt Fstchoice 1y IntVar 90%P+I 4200.00 44

SGE Credit Union 8.05 Nil 2,000,000.004Invt Premium Invest Var 97%P+I 4590.00 44

St George Bank 7.39 Nil 1,000,000.008Invt Basic Home Loan 95%Both 8350.00 44

The Rock Building Soc 8.07 5/m 3,500,000.004Investment Variable 97%Both 4495.00 44

Unicom Credit Union 7.57 8/m No max8Basic Home Loan Invest 95%P+I 8957.50 44

United Credit Union 7.60 8/m No max4Invt Classic Home Loan 95%Both 8600.00 48

Victoria Teachers CU 7.97 Nil No max4Invt Offset Home Loan 95%Both 4600.00 84

Warwick Credit Union 8.07 Nil No max4Invt Classic Home Loan 95%Both 4982.00 44

Warwick Credit Union 7.82 5/m No max4Invt Premium Home Loan 95%Both 4982.00 44

Westpac 8.07 10/m No max4Investment Variable 100%Both 8750.00 44

Wizard Home Loans 7.72 Nil 1,000,000.004Invt Smart Choice Loan 100%Both 8760.00 44



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable

1 YEAR FIXED RATE INVESTMENT HOME LOAN

"superior value"Adelaide Bank 7.35 8/m No max�Investment 1 year Fixed 100%Both �695.00 �

Austral Mortgage 7.40 Nil 2,000,000.00�Inv AdvantagePlus 1y Fxd 95%Both �830.00 �

Community CPS Australia 7.35 Nil 2,000,000.00�Investment 1 year Fixed 95%Both �695.00 �

Community First CU 7.24 Nil No max�Invt True 1 year Fixed 95%P+I �1002.45 �

Homeloans 7.04 Nil No max�Invt Balanced Secure 1yr 97%Both �949.00 �

Lifeplan Funds Managemnt 6.74 Nil 400,000.00�Invt FlexiSmart 1yr Fxd 97%P+I �600.00 �

Newcastle Permanent 7.34 Nil No max�Investment 1 year Fixed 95%Both �Nil �

NSW Teachers CU 7.18 Nil No max�Invt Option 1 year Fixed 95%P+I �250.00 �

PowerState Credit Union 6.59 Nil No max�Investment 1 year Fixed 90%P+I �731.00 �

Qld Professional CU 6.45 Nil No max�Investment Std Fixed 90%Both �679.00 �

Savings & Loans CU SA 7.39 Nil No max�Investment 1 year Fixed 100%Both �600.00 �

"exceptional value"Advantage Finance 7.10 Nil 1,000,000.00�Invt FixedRatePlus1y Fxd 95%Both �635.00 �

ANZ Bank 7.35 10/m No max�Investment 1 year Fixed 95%Both �500.00 �

Arab Bank Australia 7.17 8/m No max�Investment 1 year Fixed 95%Both �600.00 �

Bank of Queensland 7.34 8/m No max�Investment 1 year Fixed 100%Both �565.00 �

BankWest 7.35 12/m No max�Investment 1 year Fixed 95%Both �700.00 �

Better Choice Home Loans 7.19 Nil No max�Investment 1 year Fixed 97.00%Both �730.00 �

Credit Union Australia 7.40 Nil No max�Investment 1 year Fixed 97%Both �795.00 �

Gateway Credit Union 7.35 Nil No max�Investment 1 year Fixed 95%Both �Nil �

Heritage Building Soc 7.20 5/m No max�Investment 1 year Fixed 95%Both �600.00 �

Illawarra CU NSW 7.42 8/m No max�Investment 1 year Fixed 95%Both �957.50 �

Lifeplan Funds Managemnt 7.39 Nil 400,000.00�Investment 1 year Fixed 97%Both �600.00 �

Members Equity Bank 7.35 Nil No max�Invt SuperMember 1yr Fxd 95%Both �Nil �

Members Equity Bank 7.49 Nil No max�Investment 1 year Fixed 95%Both �Nil �

nab 7.35 8/m No max�Invt Tailored HL 1yr Fxd 100%Both �600.00 �

Qantas Staff CU 7.50 Nil 3,000,000.00�Invt Options 1yr Fxd IO 80%IO �600.00 �

RTA Staff CU 7.44 Nil No max�Investment 1 year Fixed 95%P+I �380.00 �

Sapphire Mortgage Servic 7.19 Nil No max�Invt Sapphire+ 1yr 150k+ 100%Both �635.00 �

SGE Credit Union 7.49 Nil 2,000,000.00�Invt Flexible Opt 1y Fxd 90%Both �200.00 �

St George Bank 7.35 Nil No max�Investment 1 year Fixed 95%Both �700.00 �

The Rock Building Soc 7.19 5/m 3,500,000.00�Investment 1 year Fixed 97%Both �495.00 �

Warwick Credit Union 7.49 5/m No max�Invt Premium 1yr Fixed 95%Both �982.00 �

"strong value"Australian Central CU 7.35 7/m No max�Investment 1 year Fixed 100%Both �830.00 �


26 March 2007 Page 1 of 3INVESTMENT 1 YEAR FIXED:

SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"strong value"BankSA 7.35 10/m No max�Investment 1 year Fixed 90%Both �700.00 �

CHS Home Loans 7.35 8/m No max�Investment 1 year Fixed 97%P+I �700.00 �

Colonial 7.35 8/m No max�Investment 1 year Fixed 97%Both �700.00 �

Commonwealth Bank 7.35 8/m No max�Investment 1 year Fixed 97%Both �700.00 �

connectfinancial 7.35 Nil 1,000,000.00�Investment 1 year Fixed 97%P+I �332.00 �

Hibernian Credit Union 7.15 20/m No max�Investment 1 year Fixed 80%IO �1150.00 �

HSBC 7.35 Nil 7,500,000.00�Investment 1 year Fixed 97%Both �825.00 �

IMB Limited 7.39 Nil No max�Investment 1 year Fixed 100%Both �908.50 �

Maitland Mutual BS 7.35 Nil No max�Invt Premium 1yr Fixed 97%Both �300.00 �

Maxis Loans 7.49 Nil No max�Investment 1 year Fixed 95%Both �Nil �

Unicom Credit Union 7.42 8/m No max�Investment 1 year Fixed 95%Both �957.50 �

Warwick Credit Union 7.58 Nil No max�Invt Classic 1yr Fixed 95%Both �982.00 �

Westpac 7.35 8/m No max�Investment 1 year Fixed 100%Both �750.00 �

"rising star"NSW Teachers CU 7.28 Nil No max�Invt IO 1 year Fixed 95%IO �250.00 �

one direct home loans 6.95 Nil No max�1 year Fixed Investment 95%Both �60.00 �

"average value"AMP Banking 7.35 349/a 2,000,000.00�Investment 1 year Fixed 95%Both �Nil �

Austral Mortgage 7.39 Nil 1,000,000.00�Inv Design a Loan 1y Fxd 97%Both �750.00 �

Bendigo Bank 7.35 8/m No max�Investment 1 year Fixed 95%Both �685.00 �

Encompass Credit Union 7.35 Nil No max�Investment 1 year Fixed 95%P+I �910.00 �

Greater Building Society 7.45 Nil 1,000,000.00�Investment 12mth Fxd 95%Both �Nil �

Horizon Credit Union 7.55 Nil No max�Invt Horizon 1yr Fixed 95%Both �935.00 �

ING Bank 7.29 Nil 2,000,000.00�Investment 1 year Fixed 100%Both �719.00 �

mecu 7.35 Nil 750,000.00�Investment 1 year Fixed 95%P+I �595.00 �

nab 7.45 8/m No max�Invt Tailored 1yr Fxd IO 100%IO �600.00 �

Police CU SA 7.49 Nil No max�Investment 1 year Fixed 100%Both �781.08 �

RESI Mortgage Corp 7.45 Nil 4,000,000.00�Invt Complete 1yr Fixed 95%Both �616.00 �

SUNCORP 7.30 10/m No max�Investment 1 year Fixed 100%Both �600.00 �

United Credit Union 7.35 8/m No max�Invt Access Plus 1yr Fxd 95%P+I �750.00 �

University Credit Soc 7.29 Nil No max�Investment 1 year Fixed 95%Both �606.40 �

"satisfactory value"ABS Building Society 7.75 Nil No max�Investment 1 year Fixed 95%Both �840.00 �

AIMS Home Loans 7.73 Nil 2,000,000.00�Investment 1 year Fixed 95%Both �660.00 �

Aussie Home Loans 7.49 Nil No max�Investment 1 year Fixed 100%Both �600.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"satisfactory value"Austral Credit Union 7.67 Nil 750,000.00�Investment 1 year Fixed 95%P+I �1395.00 �

B & E 7.35 8/m No max�Investment 1 year Fixed 97%P+I �650.00 �

BMC Mortgage 7.90 Nil 2,000,000.00�Invt Origin 1 year Fixed 95%Both �685.00 �

Citibank 7.40 8/m 4,000,000.00�Investment 1 year Fixed 95%Both �649.00 �

Coastline Credit Union 7.44 Nil No max�Investment 1 year Fixed 90%P+I �740.00 �

Collins Home Loans 7.64 Nil 2,000,000.00�Investment 1 year Fixed 95%Both �55.00 �

Home Building Society 7.35 8/m No max�Invt 1yr Fixed Rollover 90%Both �864.50 �

HomeSide Lending 7.35 6/m No max�Investment 1 year Fixed 95%P+I �500.00 �

La Trobe Financial Servs 7.80 25/s 2,500,000.00�Invt Home Loan 1yr Fxd 95%Both �1410.00 �

Macquarie Bank 7.55 Nil 2,000,000.00�Investment 1 year Fixed 100%Both �750.00 �

Nationwide Mortgage Corp 7.59 Nil 4,000,000.00�Investment 1 year Fixed 90%Both �654.50 �

Pacific Mortgage Corp 7.75 Nil No max�Investment 1 year Fixed 95%Both �764.50 �

Police Credit 7.39 Nil No max�Investment 1 year Fixed 95%Both �Nil �

Qld Teachers CU 7.35 Nil No max�Investment 1 year Fixed 90%Both �735.00 �

Resident Home Loans 7.45 Nil No max�Investment 1 year Fixed 95%Both �800.00 �

Royal Guardian Mortgage 7.64 Nil 2,000,000.00�4nvt Royal 1 year Fixed 95%Both �1150.00 �

TIO Banking 7.55 7.50/m No max�Investment 1 yr Fixed 95%Both �720.00 �

Uni Credit Union 7.35 Nil 750,000.00�Investment 1 year Fixed 97%P+I �700.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"superior value"A M O Group 7.49 Nil 2,000,000.00�Investment 2 year Fixed 100%Both �1170.00 �

Adelaide Bank 7.35 8/m No max�Investment 2 year Fixed 100%Both �695.00 �

Advantage Finance 7.10 Nil 1,000,000.00�Invt FixedRatePlus2y Fxd 95%Both �635.00 �






HomePath 7.09 Nil No max�Investment 2yr Fixed 97%Both �100.00 �







"exceptional value"BankWest 7.35 12/m No max�Investment 2 year Fixed 95%Both �700.00 �









The Rock Building Soc 7.24 5/m 3,500,000.00�Investment 2 year Fixed 97%Both �495.00 �

"strong value"ANZ Bank 7.35 10/m No max�Investment 2 year Fixed 95%Both �500.00 �

API Lifestyle Home Loans 7.25 Nil 2,500,000.00�Investment 2 year Fixed 97%Both �323.00 �

Australian Central CU 7.35 7/m No max�Investment 2 year Fixed 100%Both �830.00 �


BankSA 7.29 10/m No max�Investment 2 year Fixed 90%Both �700.00 �






SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"strong value"Colonial 7.35 8/m No max�Investment 2 year Fixed 97%Both �700.00 �



Defence Force CU 7.55 10/m No max�Investment 2 year Fixed 90%Both �Nil �






Royal Guardian Mortgage 7.20 Nil 2,000,000.00�Invt Royal 2 year Fixed 95%Both �1150.00 �

Satisfac Credit Union 7.62 Nil 1,250,000.00�Invt Satisfac 2yr Fixed 90%P+I �800.00 �



Warwick Credit Union 7.65 Nil No max�Invt Classic 2yr Fixed 95%Both �982.00 �

Warwick Credit Union 7.60 5/m No max�Invt Premium 2yr Fixed 95%Both �982.00 �


Yes Home Loans 7.69 Nil 2,500,000.00�Investment 2 year Fixed 97%Both �835.00 �



State Custodians 7.20 Nil 2,500,000.00�Invt Standard 2yr Fixed 100%Both �650.00 �

"average value"Hibernian Credit Union 7.25 20/m No max�Investment 2 year Fixed 80%IO �1150.00 �





Wizard Home Loans 7.25 Nil 1,000,000.00�Investment 2 year Fixed 100%Both �760.00 �

"satisfactory value"AIMS Home Loans 7.70 Nil 2,000,000.00�Investment 2 year Fixed 95%Both �660.00 �

AMP Banking 7.35 349/a 2,000,000.00�Investment 2 year Fixed 95%Both �Nil �



B & E 7.40 8/m No max�Investment 2 year Fixed 97%P+I �650.00 �

Citibank 7.40 8/m 4,000,000.00�Investemnt 2 year Fixed 95%Both �649.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"satisfactory value"Coastline Credit Union 7.54 Nil No max�Investment 2 year Fixed 90%P+I �740.00 �


Greater Building Society 7.75 Nil 1,000,000.00�Investment 24mth Fxd 95%Both �Nil �



La Trobe Financial Servs 7.75 25/s 2,500,000.00�Invt Home Loan 2yr Fxd 90%Both �1410.00 �

Memberfirst Credit Union 7.35 Nil No max�Investment 2 year Fixed 95%P+I �600.00 �

Morgan Brooks DIRECT 7.29 Nil 2,500,000.00�Invt Premier 2yr Fixed 95%Both �700.00 �




Queenslanders CU 7.90 8/m No max�Investment 2 year Fixed 90%Both �595.00 �

RAMS 7.35 96/a 2,000,000.00�Invt Standard Var 2y Fxd 100%Both �350.00 �

RAMS 7.35 Nil 2,000,000.00�Invt SmartWay 2yr Fixed 100%Both �745.00 �

RAMS 7.35 Nil 2,000,000.00�Investment Basic 2yr Fxd 100%Both �645.00 �

Resident Home Loans 7.40 Nil No max�Investmebt 2 year Fixed 95%Both �800.00 �

Satisfac Credit Union 7.70 Nil 750,000.00�Invt Integris Fixed 2yr 90%P+I �800.00 �

Stellar Finance 7.65 Nil No max�Investment 2 year Fixed 97%Both �685.00 �

Sutherland Credit Union 7.45 8/a 750,000.00�Investment 2 year Fixed 95%P+I �1055.00 �



United Credit Union 7.35 8/m No max�Invt Access Plus 2yr Fxd 95%P+I �750.00 �



SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable




















"exceptional value"ANZ Bank 7.35 10/m No max�Investment 3 year Fixed 95%Both �500.00 �





Colonial 7.35 Nil No max�Investment 3 year Fixed 97%Both �100.00 �


Defence Force CU 7.55 10/m No max�Investment 3 year Fixed 90%Both �Nil �












SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"exceptional value"The Rock Building Soc 7.25 5/m 3,500,000.00�Investment 3 year Fixed 97%Both �495.00 �



"strong value"API Lifestyle Home Loans 7.35 Nil 2,500,000.00�Investment 3 year Fixed 97%Both �323.00 �









SERVICE ONE Members Ba 7.45 Nil 1,300,000.00�Investment 3 year Fixed 95%Both �600.00 �




State Custodians 7.34 Nil 2,500,000.00�Invt Standard 3yr Fixed 100%Both �650.00 �

"average value"AMP Banking 7.18 349/a 2,000,000.00�Investment 3 year Fixed 95%Both �Nil �

Bananacoast Community CU 7.30 Nil 7,000,000.00�Investment 3 year Fixed 100%Both �520.00 �





mecu 7.19 Nil 750,000.00�Investment 3 year Fixed 95%P+I �595.00 �





Satisfac Credit Union 7.62 Nil 1,250,000.00�Invt Satisfac 3yr Fixed 90%P+I �800.00 �


Virgin Money 7.45 Nil 2,000,000.00�Investment 3 year Fixed 80%Both �310.00 �




SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"satisfactory value"AIMS Home Loans 7.67 Nil 2,000,000.00�Investment 3 Year Fixed 95%Both �660.00 �



BMC Mortgage 7.85 Nil 2,000,000.00�Invt Origin 3 year Fixed 95%Both �685.00 �


Hibernian Credit Union 7.40 20/m No max�Investment 3 year Fixed 80%IO �1150.00 �



Police & Nurses Credit 7.30 5/m 1,000,000.00�Investment 3 year Fixed 90%Both �650.00 �


Police CU NSW 7.49 Nil No max�Invt Fixed Rate Home Ln 95%Both �1045.00 �

Queenslanders CU 7.90 8/m No max�Investment 3 year Fixed 90%Both �595.00 �






Stellar Finance 7.65 Nil No max�Investment 3 year Fixed 97%Both �685.00 �





SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable
















"exceptional value"ANZ Bank 7.35 10/m No max�Investment 5 year Fixed 95%Both �500.00 �





Colonial 7.35 8/m No max�Investment 5 year Fixed 97%Both �700.00 �









"strong value"AMP Banking 7.24 349/a 2,000,000.00�Investment 5 year Fixed 95%Both �Nil �

API Lifestyle Home Loans 7.45 Nil 2,500,000.00�Investment 5 year Fixed 97%Both �323.00 �






SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"strong value"Heritage Building Soc 7.30 5/m No max�Investment 5 year Fixed 95%Both �600.00 �







SERVICE ONE Members Ba 7.45 Nil 1,300,000.00�Investment 5 year Fixed 95%Both �600.00 �

Virgin Money 7.45 Nil 2,000,000.00�Investment 5 year Fixed 80%Both �310.00 �


"rising star"Illawarra CU NSW 7.43 8/m No max�Investment 5 year Fixed 95%Both �957.50 �


State Custodians 7.48 Nil 2,500,000.00�INvt Standard 5yr Fixed 100%Both �650.00 �

"average value"Aussie Home Loans 7.39 Nil No max�Investment 5 year Fixed 100%Both �600.00 �

Bananacoast Community CU 7.39 Nil 7,000,000.00�Investment 5 year Fixed 100%Both �520.00 �


Greater Building Society 7.70 Nil 1,000,000.00�Investment 49-60mth Fxd 95%Both �Nil �







"satisfactory value"AIMS Home Loans 7.66 Nil 2,000,000.00�Investment 5 year Fixed 95%Both �660.00 �


Collins Home Loans 7.54 Nil 2,000,000.00�Investment 5 year Fixed 95%Both �55.00 �




Macquarie Bank 7.55 Nil 2,000,000.00�Investment 5 year Fixed 100%Both �750.00 �

Morgan Brooks DIRECT 8.11 Nil 2,500,000.00�Invt Premier 5yr Fixed 95%Both �700.00 �




SUPERSEDED



PublishedRate (%)

Product 100%

Offset a/c

Available


Upfront


OnlyOngoing


Allowed

Loan P

ortable


"satisfactory value"Pacific Mortgage Corp 7.42 Nil No max�Investment 5 year Fixed 95%Both �764.50 �

Police & Nurses Credit 7.35 5/m 1,000,000.00�Investment 5 year Fixed 90%Both �650.00 �







SUPERSEDED



PublishedRate (%)

Product LoanReview Period


UpfrontInterest

Capitalisatio

n

Ongoing

Company MandatoryPayments Necessary

LoanP

ortable

REVOLVING LINE OF CREDIT

"superior value"A M O Group 7.74 Nil 2,000,000.00�Smart Option 95%� N/A1165.00 �

ANZ Bank 8.07 150/a No max�Equity Manager 80%� Semi-Annual500.00 �

API Lifestyle Home Loans 7.37 Nil 2,500,000.00�Line of Credit 90%� N/A323.00 �

Arab Bank Australia 8.05 375/a No max�Line of Credit 95%� AnnualNil �

Commonwealth Bank 8.09 12/m No max�Viridian LOC Quarterly 90%� Annual700.00 �

Commonwealth Bank 7.96 495/a No max�CBA Portfolio Loan 80%� Annual100.00 �

Gateway Credit Union 7.64 Nil No max�EquitiSmart Home Loan 95%� AnnualNil �

Intech Credit Union 7.70 Nil 750,000.00�Mortgage Master 80%� Annual835.00 �

Loan Australia Corp 7.14 Nil No max�Line of Credit Loan 90%� m355.00 �

Mortgage Ezy 7.19 Nil 2,000,000.00�Ezy Niva Line of Credit 90%� N/A1257.00 �

Newcastle Permanent 8.04 5/m No max�Real Equity 90%� AnnualNil �

Refund Mortgage 7.45 Nil 1,000,000.00�Line of Credit 90%� N/A960.00 �

Refund Mortgage 7.35 250/a 2,000,000.00�Pro Pack 90%� N/A960.00 �

Royal Guardian Mortgage 7.60 15/m 1,000,000.00�Equity 90%� N/A1150.00 �

Select Credit Union 7.44 Nil No max�Equity Access 95%� Annual697.00 �

State Custodians 7.30 Nil 2,500,000.00�Standard Variable 100%� N/A650.00 �

Yes Home Loans 7.43 Nil 2,500,000.00�Equity Access 97%� Annual835.00 �

"exceptional value"Adelaide Bank 8.17 150/a No max�HomeBuyer Power 100%� N/A695.00 �

BankSA 8.17 14/m 200/a No max�Portfolio Loan 90%� Semi-Annual800.00 �

Commonwealth Bank 8.07 12/m No max�Residential Equity 90%� Annual700.00 �

Community CPS Australia 8.20 Nil 2,000,000.00�All-in-One Account 90%� Annual695.00 �

Companion CU 7.79 10/m 750,000.00�Line Of Credit 90%� Annual558.00 �

Credit Union Australia 7.59 Nil 1,000,000.00�Mortgage Freedom >$250k 97%� N/A795.00 �

Home Building Society 8.07 75/s No max�Equity Line 80%� N/A664.00 �

Macquarie Bank 7.55 150/a 499,999.99�Executive Choice >250K 90%� N/A750.00 �

nab 8.22 250/a No max�National Flexi Plus 95%� Annual600.00 �

RAMS 7.47 300/a 1,000,000.00�Line of Credit Pro Pack2 90%� N/A595.00 �

RAMS 7.47 300/a 1,000,000.00�Line of Credit Pro Pack1 90%� N/A745.00 �

RESI Mortgage Corp 7.59 Nil 4,000,000.00�Line of Credit 90%� N/A616.00 �

Savings & Loans CU SA 7.71 8/m No max�Latitude Plus >$150k 90%� Annual600.00 �

St George Bank 8.17 14/m 200/a No max�Portfolio Loan 90%� N/A800.00 �

StGeorge QLD VIC TAS WA 8.17 14/m 200/a No max�Portfolio Loan 90%� N/A800.00 �

University Credit Soc 7.95 Nil No max�Equity Access 80%� Annual606.40 �

Wizard Home Loans 7.72 Nil 750,000.00�Wealth Power 90%� N/A760.00 �


26 March 2007 Page 1 of 4REVOLVING LINE OF CREDIT:

SUPERSEDED



PublishedRate (%)



UpfrontInterest

Capitalisatio

n

Ongoing


LoanP

ortable


"strong value"Austral Credit Union 7.64 2/m 500,000.00�Line of Credit 90%� N/A1175.00 �

Bank of Queensland 8.22 6/m No max�Line of Credit 90%� Annual565.00 �

Better Choice Home Loans 7.72 100/a No max�Balanced Home Line 95%� N/A730.00 �

Citibank 7.73 250/a 299,999.99�Mortgage Power >200<300k 90%� N/A840.00 �

eChoice 7.53 Nil 2,000,000.00�eChoice Line Of Credit 95%� N/ANil �

HomeSide Lending 8.02 70/s No max�Peak Performance Conces 90%� Annual500.00 �

HomeSide Lending 8.22 70/s No max�Peak Performance 90%� Annual500.00 �

Illawarra Home Loans 7.50 Nil 1,200,000.00�Complete 95%� N/ANil �

ING Bank 7.99 Nil 2,000,000.00�Action Equity Loan 90%� N/A220.00 �

ING Bank 7.99 180/a 299,999.00�Professional SHL <300k 90%� N/A220.00 �

Mortgage House of Aust 7.80 5/m 100/a 3,500,000.00�Ready Access Loan 97%� N/A600.00 �

Nationwide Mortgage Corp 7.60 Nil 2,000,000.00�Line Of Credit 90%� N/A654.50 �

Pacific Mortgage Corp 7.49 Nil No max�Gold Access Account 95%� N/A765.00 �

Qantas Staff CU 7.90 Nil 3,000,000.00�Access Loan 80%� N/A600.00 �

Railways Credit Union 7.70 Nil No max�Tilt All-in-One Mort O/D 88%� Annual550.00 �

Savings & Loans CU SA 8.21 Nil No max�Latitude 90%� Annual600.00 �

SUNCORP 8.07 10/m No max�Asset Line 97%� N/A600.00 �

"rising star"Ironbark Mort Solutions 7.55 Nil 750,000.00�Standard 100%� N/A632.50 �

Ironbark Mort Solutions 7.45 300/a 750,000.00�Premium 100%� N/A882.50 �

Ironbark Mort Solutions 7.65 Nil 750,000.00�FeeFree 90%� N/ANil �

"average value"A M O Group 7.81 Nil 2,000,000.00�Professional All in One 90%� N/A1165.00 �

Aussie Home Loans 7.65 150/a 349,999.99�Line Of Credit 90%� N/A600.00 �

Austral Mortgage 7.30 Nil 1,000,000.00�Design a Loan 97%� N/A750.00 �

BankWest 7.60 325/a No max�Equity Access 90%� AnnualNil �

Bendigo Bank 7.95 8/m No max�Bendigo One 90%� N/A685.00 �

BMC Mortgage 7.70 25/a 2,000,000.00�Origin Full Doc 90%� N/A660.00 �

Greater Building Society 8.05 3/m No max�Constant Credit Equity 90%� AnnualNil �

HSBC 8.15 Nil 1,000,000.00�Home Equity Loan 80%� Annual725.00 �

Illawarra CU NSW 8.07 Nil No max�All in One 80%� Annual957.50 �

IMB Limited 8.07 Nil No max�Equity Line Advantage 90%� Annual908.50 �

mecu 8.15 12.50/m No max�Home Equity 80%� Annual595.00 �

Mortgage House of Aust 7.99 Nil 2,000,000.00�Equity Gold 100%� N/A500.00 �

MyRate 7.75 Nil 2,000,000.00�All-in-One Loan 100%� N/ANil �



SUPERSEDED



PublishedRate (%)



UpfrontInterest

Capitalisatio

n

Ongoing


LoanP

ortable


"average value"PowerState Credit Union 8.07 Nil No max�Flexi Power 90%� N/A731.00 �

Railways Credit Union 7.70 Nil No max�Tilt Investment Mort O/D 88%� Annual550.00 �

Rate Busters 6.90 Nil 2,000,000.00�RateBuster 90%� N/A1895.00 �

TAFE & Community CU 7.69 Nil No max�Line of Credit 80%� Annual1000.00 �

United Credit Union 8.21 300/a No max�Premium Home Equity Line 85%� Annual600.00 �

Warwick Credit Union 7.65 5/m No max�LifeStyle Eqty > $150k 95%� Annual982.00 �

Westpac 8.22 10/m No max�Equity Access Loan 92%� N/A600.00 �

"satisfactory value"Alliance One CreditUnion 8.25 Nil 400,000.00�All in One 80%� Annual943.25 �

Assured Home Loans 7.54 Nil 2,000,000.00�Easy Start 90%� N/A730.50 �

Assured Home Loans 7.27 Nil 2,000,000.00�Rate Breaker 90%� N/A3480.50 �

Austral Mortgage 7.67 Nil 750,000.00�Wealth Maximiser 90%� N/A750.00 �

Austral Mortgage 7.55 Nil 750,000.00�DAL Money Manager 90%� N/A750.00 �

Bananacoast Community CU 8.05 Nil 7,000,000.00�All-In-One Account 100%� Annual520.00 �

Citibank 8.47 Nil 1,000,000.00�Business Power >$200k 90%� N/A649.00 �

Collins Home Loans 8.10 Nil 1,000,000.00�Collins Complete 90%� N/A899.00 �

Collins Home Loans 7.44 Nil 2,000,000.00�Collins Equityline 90%� N/A55.00 �

connectfinancial 7.74 150/a No max�Cash on Hand 80%� Annual832.00 �

Defence Force CU 7.49 300/a No max�Smart Mover 80%� N/ANil �

Encompass Credit Union 8.05 Nil No max�Mortgage Plus Loan 90%� Annual1455.00 �

Family First CU 7.85 Nil No max�Smart Credit 90%� Annual997.00 �

Heritage Building Soc 7.90 Nil 500,000.00�Living Equity 85%� Annual600.00 �

Homeloans 8.10 100/a No max�MoniPower 100%� N/A1029.00 �

Horizon Credit Union 8.20 5/m No max�Handy Loan 80%� Annual785.00 �

Hunter United Credit Un 7.95 2/m No max�Maximiser 80%� N/A889.50 �

Maitland Mutual BS 8.05 10/m No max�Express Credit Facility 80%� Annual300.00 �

one direct home loans 7.39 Nil No max�Equity Loan 90%� N/A60.00 �

Police & Nurses Credit 8.05 8/m No max�Equity Access Account 90%� Annual650.00 �

Police CU SA 8.24 Nil 500,000.00�Equity Plus Home Saver 90%� Annual836.08 �

Qld Teachers CU 8.27 Nil No max�Home Loan Overdraft 80%� Annual735.00 �

Queenslanders CU 8.05 8/m No max�Home Action Ac 80%� Annual595.00 �

Rate Busters 7.17 Nil 2,000,000.00�FeeBuster 90%� N/A220.00 �

SERVICE ONE Members Ba 8.00 7.50/m 1,300,000.00�HomePlus 80%� Annual600.00 �

SGE Credit Union 8.05 Nil 2,000,000.00�Equity Line InterestOnly 97%� N/A590.00 �

The Rock Building Soc 8.07 5/m 3,500,000.00�Line Of Credit 80%� Annual495.00 �



SUPERSEDED



PublishedRate (%)



UpfrontInterest

Capitalisatio

n

Ongoing


LoanP

ortable


"satisfactory value"Victoria Teachers CU 8.07 Nil No max�Reducing Line of Credit 95%� N/A600.00 �

Victoria Teachers CU 8.07 150/a No max�Revolving Line of Credit 95%� Annual600.00 �

Wagga Mutual Credit Un 7.95 Nil 500,000.00�Line of Credit 95%� Annual880.00 �



SUPERSEDED

MORTGAGE STAR RATINGS · Comparison Rate Upgrade Needed – consumer tool essentia l Time to...

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Transcript of MORTGAGE STAR RATINGS · Comparison Rate Upgrade Needed – consumer tool essentia l Time to...