| Effective 11/05/2012 |
| Variable Rate Home Loan |
Rate |
Comparison |
| Home or Investment |
6.64%p.a. |
6.70%p.a. |
Loan Redraw or 100% Offset is available
|
| Low Rate Essentials Home Loan |
Rate |
Comparison |
| Home or Investment |
6.33%p.a. |
6.37%p.a. |
| Variable Interest Rate and Loan Redraw is available |
| Low Rate Plus Package |
Rate |
Comparison |
| Home or Investment Variable Rate |
6.30%p.a. |
6.52%p.a. |
| Home or Investment Fixed for 1 year |
6.37%p.a. |
6.52%p.a. |
| Home or Investment Fixed for 2 years |
6.37%p.a. |
6.53%p.a. |
| Home or Investment Fixed for 3 years |
6.37%p.a. |
6.54%p.a. |
Loan Redraw and/or 100% Offset is only available when the interest rate is variable
Bonus Term Deposit Rate of 0.10%p.a.
10% discount off CGU General Insurance premium
|
| Home Equity Loan |
Rate |
Comparison |
| EquitiSmart |
6.79%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 |
6.47%p.a. |
6.68%p.a. |
| Home or Investment 2 year |
6.47%p.a. |
6.66%p.a. |
| Home or Investment 3 year |
6.47%p.a. |
6.65%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 |
Please note: Interest rates above are applicable for new funded home loans.
Home Loans no longer available for sale - Information is for existing contracts
|
| Honeymoon Home Loan (Not for Sale) |
Rate |
Comparison |
| Fixed for 1 year |
6.79%p.a. |
see below |
| Option 1 discounted variable for next 2 years |
6.49%p.a. |
6.68%p.a. |
| Option 2 discounted fixed for next 2 years |
6.37%p.a. |
6.66%p.a. |
This home loan is no longer available for sale
For Option 1 & 2 - The prevailing discounted rate at end of year 1 is applied
Converts to the standard variable rate after 3 years
|
| Discount Variable Rate Home Loan (Not for Sale) |
Rate |
Comparison |
| Variable for 1 year |
5.89%p.a. |
see below |
| Option 1 discounted variable for next 2 years |
6.39%p.a. |
6.57%p.a. |
| Option 2 discounted fixed for next 2 years |
6.27%p.a. |
6.55%p.a. |
This home loan is no longer available for sale
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
|
Important Information
1. Interest is calculated on daily balances and charged monthly in arrears.
2. Terms and Conditions apply and together with interest rates are subject to change.
3. WARNING: This comparison rate is 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. Comparison rates are based on a secured loan amount of $150,000 over 25 years.
5. Loan Fees and charges apply. Other Fees and Charges may apply.
6. Honeymoon Home Loan and Discount Variable Rate Home Loan are no longer available for sale.