| Effective 12/12/2008 |
| Honeymoon Home Loan |
Rate |
Comparison |
| Fixed for 1 year |
5.99%p.a. |
n/a |
| Option 1 discounted variable for next 2 years |
6.34%p.a. |
6.48%p.a. |
| Option 2 discounted fixed for next 2 years |
6.49%p.a. |
6.50%p.a. |
For Option 1 & 2 - The prevailing discounted rate at end of year 1 is applied
Converts to the standard variable rate after 3 years
|
| Variable Rate Home Loan |
Rate |
Comparison |
| Home or Investment |
6.49%p.a. |
6.56%p.a. |
| Loan Redraw or 100% Offset is available |
| Discount Variable Rate Home Loan |
Rate |
Comparison |
| Variable for 1 year |
6.04%p.a. |
n/a |
| Option 1 discounted variable for next 2 years |
6.24%p.a. |
6.46%p.a. |
| Option 2 discounted fixed for next 2 years |
6.39%p.a. |
6.49%p.a. |
For Option 1 & 2 - The prevailing discounted rate at end of year 1 is applied
Converts to the standard variable rate after 3 years
Loan Redraw is available
|
| Home Equity Loan |
Rate |
Comparison |
| EquitiSmart |
6.64%p.a. |
n/a |
| Interest is variable & calculated on daily balances and charged monthly in arrears |
| Fixed Rate Home Loan |
Rate |
Comparison |
| Home or Investment 1 year |
6.39%p.a. |
6.55%p.a. |
| Home or Investment 2 year |
6.59%p.a. |
6.58%p.a. |
| Home or Investment 3 year |
6.99%p.a. |
6.70%p.a. |
| Converts to the standard variable rate upon expiry of fixed term or you may also choose a further fixed rate term of up to 3 years |
1. Interest is calculated on daily balances and charged monthly in arrears.
2. Comparison rate based on $150,000 over 25 years.
3. Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
4. A Comparison Rate Schedule is available.
5. Terms and Conditions, and interest rates are subject to change.