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Have the power to shape your future

Super prime I rates at a glance

Low interest rates and low fees

Property Purpose

Owner

Investor

Repayment type

Principle & Interest

Interest

Rate Options

Variable Rates

Fixed Rate

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.53% p.a.	6.13% p.a.	5.53% pa	6.49% pa
<-20%	5.53% p.a.	6.13% p.a.	5.53% pa	6.49% pa
<-30%	5.53% p.a.	6.13% p.a.	5.53% pa	6.49% pa
<-40%	5.53% p.a.	6.14% p.a.	5.53% pa	6.49% pa
<-50%	5.53% p.a.	6.14% p.a.	5.53% pa	6.49% pa
<-60%	5.63% p.a.	6.24% p.a.	5.63% p.a.	6.59% p.a.
<-65%	5.64% p.a.	6.25% p.a.	5.64% p.a.	6.60% p.a.
<-70%	5.65% p.a.	6.26% p.a.	5.65% p.a.	6.61% p.a.
<-75%	5.68% p.a.	6.29% p.a.	5.68% p.a.	6.65% p.a.
<-80%	5.70% p.a.	6.32% p.a.	5.70% p.a.	6.67% p.a.
<-85%	6.60% p.a.	7.29% p.a.	6.60% p.a.	7.63% p.a.
<-90%	6.67% p.a.	7.39% p.a.	6.67% p.a.	7.73% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.63% p.a.	6.26% p.a.	5.63% p.a.	6.61% p.a.
<-20%	5.63% p.a.	6.26% p.a.	5.63% p.a.	6.61% p.a.
<-30%	5.63% p.a.	6.26% p.a.	5.63% p.a.	6.61% p.a.
<-40%	5.63% p.a.	6.26% p.a.	5.63% p.a.	6.61% p.a.
<-50%	5.63% p.a.	6.26% p.a.	5.63% p.a.	6.61% p.a.
<-60%	5.73% p.a.	6.36% p.a.	5.73% p.a.	6.71% p.a.
<-65%	5.74% p.a.	6.38% p.a.	5.74% p.a.	6.73% p.a.
<-70%	5.75% p.a.	6.39% p.a.	5.75% p.a.	6.74% p.a.
<-75%	5.78% p.a.	6.42% p.a.	5.78% p.a.	6.77% p.a.
<-80%	5.80% p.a.	6.44% p.a.	5.80% p.a.	6.79% p.a.
<-85%	6.70% p.a.	7.42% p.a.	6.70% p.a.	7.75% p.a.
<-90%	6.77% p.a.	7.52% p.a.	6.77% p.a.	7.85% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.68% p.a.	6.32% p.a.	5.68% p.a.	6.68% p.a.
<-20%	5.68% p.a.	6.33% p.a.	5.68% p.a.	6.68% p.a.
<-30%	5.68% p.a.	6.33% p.a.	5.68% p.a.	6.68% p.a.
<-40%	5.68% p.a.	6.33% p.a.	5.68% p.a.	6.68% p.a.
<-50%	5.68% p.a.	6.33% p.a.	5.68% p.a.	6.68% p.a.
<-60%	5.78% p.a.	6.43% p.a.	5.78% p.a.	6.78% p.a.
<-65%	5.79% p.a.	6.44% p.a.	5.79% p.a.	6.79% p.a.
<-70%	5.80% p.a.	6.45% p.a.	5.80% p.a.	6.80% p.a.
<-75%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.84% p.a.
<-80%	5.85% p.a.	6.51% p.a.	5.85% p.a.	6.86% p.a.
<-85%	6.75% p.a.	7.48% p.a.	6.75% p.a.	7.82% p.a.
<-90%	6.82% p.a.	7.59% p.a.	6.82% p.a.	7.92% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.73% p.a.	6.38% p.a.	5.73% p.a.	6.73% p.a.
<-20%	5.73% p.a.	6.38% p.a.	5.73% p.a.	6.73% p.a.
<-30%	5.73% p.a.	6.39% p.a.	5.73% p.a.	6.74% p.a.
<-40%	5.73% p.a.	6.39% p.a.	5.73% p.a.	6.74% p.a.
<-50%	5.73% p.a.	6.39% p.a.	5.73% p.a.	6.74% p.a.
<-60%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.84% p.a.
<-65%	5.84% p.a.	6.50% p.a.	5.84% p.a.	6.85% p.a.
<-70%	5.85% p.a.	6.51% p.a.	5.85% p.a.	6.86% p.a.
<-75%	5.88% p.a.	6.55% p.a.	5.88% p.a.	6.89% p.a.
<-80%	5.90% p.a.	6.57% p.a.	5.90% p.a.	6.92% p.a.
<-85%	6.80% p.a.	7.54% p.a.	6.80% p.a.	7.88% p.a.
<-90%	6.87% p.a.	7.65% p.a.	6.87% p.a.	7.98% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.83% p.a.
<-20%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.83% p.a.
<-30%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.84% p.a.
<-40%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.84% p.a.
<-50%	5.83% p.a.	6.49% p.a.	5.83% p.a.	6.84% p.a.
<-60%	5.93% p.a.	6.59% p.a.	5.93% p.a.	6.94% p.a.
<-65%	5.94% p.a.	6.60% p.a.	5.94% p.a.	6.95% p.a.
<-70%	5.95% p.a.	6.62% p.a.	5.95% p.a.	6.96% p.a.
<-75%	5.98% p.a.	6.65% p.a.	5.98% p.a.	6.99% p.a.
<-80%	6.00% p.a.	6.67% p.a.	6.00% p.a.	7.02% p.a.
<-85%	6.90% p.a.	7.65% p.a.	6.90% p.a.	7.98% p.a.
<-90%	6.97% p.a.	7.75% p.a.	6.97% p.a.	8.08% p.a.

Fixed Rate

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-20%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-30%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-40%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-50%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-60%	5.95% p.a.	6.65% p.a.	5.95% p.a.	7.00% p.a.
<-65%	5.98% p.a.	6.69% p.a.	5.98% p.a.	7.03% p.a.
<-70%	6.00% p.a.	6.71% p.a.	6.00% p.a.	7.05% p.a.
<-75%	6.07% p.a.	6.78% p.a.	6.07% p.a.	7.12% p.a.
<-80%	6.10% p.a.	6.81% p.a.	6.10% p.a.	7.16% p.a.
<-85%	7.00% p.a.	7.79% p.a.	7.00% p.a.	8.12%p.a.
<-90%	7.09% p.a.	7.91% p.a.	7.09% p.a.	8.24% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.95% p.a.	6.77% p.a.	5.95% p.a.	7.12% p.a.
<-20%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-30%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-40%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-50%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-60%	6.05% p.a.	6.88% p.a.	6.05% p.a.	7.22% p.a.
<-65%	6.08% p.a.	6.91% p.a.	6.08% p.a.	7.26% p.a.
<-70%	6.10% p.a.	6.93% p.a.	6.10% p.a.	7.28% p.a.
<-75%	6.17% p.a.	7.01% p.a.	6.17% p.a.	7.35% p.a.
<-80%	6.20% p.a.	7.04% p.a.	6.20% p.a.	7.38% p.a.
<-85%	7.10% p.a.	8.01% p.a.	7.10% p.a.	8.34% p.a.
<-90%	7.19% p.a.	8.14% p.a.	7.19% p.a.	8.46% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-20%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-30%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-40%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-50%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-60%	6.10% p.a.	7.05% p.a.	6.10% p.a.	7.39% p.a.
<-65%	6.13% p.a.	7.08% p.a.	6.13% p.a.	7.42% p.a.
<-70%	6.15% p.a.	7.11% p.a.	6.15% p.a.	7.45% p.a.
<-75%	6.22% p.a.	7.18% p.a.	6.22% p.a.	7.52% p.a.
<-80%	6.25% p.a.	7.21% p.a.	6.25% p.a.	7.55% p.a.
<-85%	7.15% p.a.	8.18% p.a.	7.15% p.a.	8.51% p.a.
<-90%	7.24% p.a.	8.31% p.a.	7.24% p.a.	8.63% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	6.05% p.a.	7.11% p.a.	6.05% p.a.	7.45% p.a.
<-20%	6.05% p.a.	7.11% p.a.	6.05% p.a.	7.45% p.a.
<-30%	6.05% p.a.	7.12% p.a.	6.05% p.a.	7.46% p.a.
<-40%	6.05% p.a.	7.12% p.a.	6.05% p.a.	7.46% p.a.
<-50%	6.05% p.a.	7.12% p.a.	6.05% p.a.	7.46% p.a.
<-60%	6.15% p.a.	7.22% p.a.	6.15% p.a.	7.56% p.a.
<-65%	6.18% p.a.	7.25% p.a.	6.18% p.a.	7.59% p.a.
<-70%	6.20% p.a.	7.27% p.a.	6.20% p.a.	7.61% p.a.
<-75%	6.27% p.a.	7.35% p.a.	6.27% p.a.	7.68% p.a.
<-80%	6.30% p.a.	7.38% p.a.	6.30% p.a.	7.71% p.a.
<-85%	7.20% p.a.	8.35% p.a.	7.20% p.a.	8.68% p.a.
<-90%	7.29% p.a.	8.47% p.a.	7.29% p.a.	8.80% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.66% p.a.
<-20%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-30%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-40%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-50%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-60%	6.25% p.a.	7.43% p.a.	6.25% p.a.	7.77% p.a.
<-65%	6.28% p.a.	7.46% p.a.	6.28% p.a.	7.80% p.a.
<-70%	6.30% p.a.	7.49% p.a.	6.30% p.a.	7.82% p.a.
<-75%	6.37% p.a.	7.56% p.a.	6.37% p.a.	7.89% p.a.
<-80%	6.40% p.a.	7.59% p.a.	6.40% p.a.	7.93% p.a.
<-85%	7.30% p.a.	8.56% p.a.	7.30% p.a.	8.89% p.a.
<-90%	7.39% p.a.	8.69% p.a.	7.39% p.a.	9.01% p.a.

Fixed Rate

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.68% p.a.	6.28% p.a.	5.68% p.a.	6.63% p.a.
<-20%	5.68% p.a.	6.28% p.a.	5.68% p.a.	6.64% p.a.
<-30%	5.68% p.a.	6.28% p.a.	5.68% p.a.	6.64% p.a.
<-40%	5.68% p.a.	6.29% p.a.	5.68% p.a.	6.64% p.a.
<-50%	5.68% p.a.	6.29% p.a.	5.68% p.a.	6.64% p.a.
<-60%	5.78% p.a.	6.39% p.a.	5.78% p.a.	6.74% p.a.
<-65%	5.79% p.a.	6.40% p.a.	5.79% p.a.	6.75% p.a.
<-70%	5.80% p.a.	6.41% p.a.	5.80% p.a.	6.76% p.a.
<-75%	5.83% p.a.	6.44% p.a.	5.83% p.a.	6.79% p.a.
<-80%	5.85% p.a.	6.47% p.a.	5.85% p.a.	6.82% p.a.
<-85%	6.42% p.a.	7.13% p.a.	6.42% p.a.	7.47% p.a.
<-90%	6.71% p.a.	7.45% p.a.	6.71% p.a.	7.79% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.78% p.a.	6.41% p.a.	5.78% p.a.	6.76% p.a.
<-20%	5.78% p.a.	6.41% p.a.	5.78% p.a.	6.76% p.a.
<-30%	5.78% p.a.	6.41% p.a.	5.78% p.a.	6.76% p.a.
<-40%	5.78% p.a.	6.41% p.a.	5.78% p.a.	6.76% p.a.
<-50%	5.78% p.a.	6.41% p.a.	5.78% p.a.	6.76% p.a.
<-60%	5.88% p.a.	6.51% p.a.	5.88% p.a.	6.86% p.a.
<-65%	5.89% p.a.	6.53% p.a.	5.89% p.a.	6.87% p.a.
<-70%	5.90% p.a.	6.54% p.a.	5.90% p.a.	6.89% p.a.
<-75%	5.93% p.a.	6.57% p.a.	5.93% p.a.	6.92% p.a.
<-80%	5.95% p.a.	6.59% p.a.	5.95% p.a.	6.94% p.a.
<-85%	6.52% p.a.	7.25% p.a.	6.52% p.a.	7.59% p.a.
<-90%	6.81% p.a.	7.58% p.a.	6.81% p.a.	7.91% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.83% p.a.	6.48% p.a.	5.83% p.a.	6.82% p.a.
<-20%	5.83% p.a.	6.48% p.a.	5.83% p.a.	6.82% p.a.
<-30%	5.83% p.a.	6.48% p.a.	5.83% p.a.	6.83% p.a.
<-40%	5.83% p.a.	6.48% p.a.	5.83% p.a.	6.83% p.a.
<-50%	5.83% p.a.	6.48% p.a.	5.83% p.a.	6.83% p.a.
<-60%	5.93% p.a.	6.58% p.a.	5.93% p.a.	6.93% p.a.
<-65%	5.94% p.a.	6.59% p.a.	5.94% p.a.	6.94% p.a.
<-70%	5.95% p.a.	6.60% p.a.	5.95% p.a.	6.95% p.a.
<-75%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.98% p.a.
<-80%	6.00% p.a.	6.66% p.a.	6.00% p.a.	7.01% p.a.
<-85%	6.57% p.a.	7.32% p.a.	6.57% p.a.	7.66% p.a.
<-90%	6.86% p.a.	7.65% p.a.	6.86% p.a.	7.98% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.88% p.a.	6.53% p.a.	5.88% p.a.	6.88% p.a.
<-20%	5.88% p.a.	6.54% p.a.	5.88% p.a.	6.88% p.a.
<-30%	5.88% p.a.	6.54% p.a.	5.88% p.a.	6.88% p.a.
<-40%	5.88% p.a.	6.54% p.a.	5.88% p.a.	6.89% p.a.
<-50%	5.88% p.a.	6.54% p.a.	5.88% p.a.	6.89% p.a.
<-60%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.99% p.a.
<-65%	5.99% p.a.	6.65% p.a.	5.99% p.a.	7.00% p.a.
<-70%	6.00% p.a.	6.66% p.a.	6.00% p.a.	7.01% p.a.
<-75%	6.03% p.a.	6.70% p.a.	6.03% p.a.	7.04% p.a.
<-80%	6.05% p.a.	6.72% p.a.	6.05% p.a.	7.06% p.a.
<-85%	6.62% p.a.	7.38% p.a.	6.62% p.a.	7.72% p.a.
<-90%	6.91% p.a.	7.71% p.a.	6.91% p.a.	8.04% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.98% p.a.
<-20%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.98% p.a.
<-30%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.98% p.a.
<-40%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.99% p.a.
<-50%	5.98% p.a.	6.64% p.a.	5.98% p.a.	6.99% p.a.
<-60%	6.08% p.a.	6.74% p.a.	6.08% p.a.	7.09% p.a.
<-65%	6.09% p.a.	6.75% p.a.	6.09% p.a.	7.10% p.a.
<-70%	6.10% p.a.	6.77% p.a.	6.10% p.a.	7.11% p.a.
<-75%	6.13% p.a.	6.80% p.a.	6.13% p.a.	7.14% p.a.
<-80%	6.15% p.a.	6.82% p.a.	6.15% p.a.	7.17% p.a.
<-85%	6.72% p.a.	7.48% p.a.	6.72% p.a.	7.82% p.a.
<-90%	7.01% p.a.	7.81% p.a.	7.01% p.a.	8.14% p.a.

Fixed Rate

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-20%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-30%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-40%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-50%	5.85% p.a.	6.55% p.a.	5.85% p.a.	6.90% p.a.
<-60%	5.95% p.a.	6.65% p.a.	5.95% p.a.	7.00% p.a.
<-65%	5.98% p.a.	6.69% p.a.	5.98% p.a.	7.03% p.a.
<-70%	6.00% p.a.	6.71% p.a.	6.00% p.a.	7.05% p.a.
<-75%	6.07% p.a.	6.78% p.a.	6.07% p.a.	7.12% p.a.
<-80%	6.10% p.a.	6.81% p.a.	6.10% p.a.	7.16% p.a.
<-85%	6.67% p.a.	7.48% p.a.	6.67% p.a.	7.81% p.a.
<-90%	7.09% p.a.	7.93% p.a.	7.09% p.a.	8.26% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.95% p.a.	6.77% p.a.	5.95% p.a.	7.12% p.a.
<-20%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-30%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-40%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-50%	5.95% p.a.	6.78% p.a.	5.95% p.a.	7.12% p.a.
<-60%	6.05% p.a.	6.88% p.a.	6.05% p.a.	7.22% p.a.
<-65%	6.08% p.a.	6.91% p.a.	6.08% p.a.	7.26% p.a.
<-70%	6.10% p.a.	6.93% p.a.	6.10% p.a.	7.28% p.a.
<-75%	6.17% p.a.	7.01% p.a.	6.17% p.a.	7.35% p.a.
<-80%	6.20% p.a.	7.04% p.a.	6.20% p.a.	7.38% p.a.
<-85%	6.77% p.a.	7.70% p.a.	6.77% p.a.	8.04% p.a.
<-90%	7.19% p.a.	8.16% p.a.	7.19% p.a.	8.48% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-20%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-30%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-40%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-50%	6.00% p.a.	6.95% p.a.	6.00% p.a.	7.29% p.a.
<-60%	6.10% p.a.	7.05% p.a.	6.10% p.a.	7.39% p.a.
<-65%	6.13% p.a.	7.08% p.a.	6.13% p.a.	7.42% p.a.
<-70%	6.15% p.a.	7.11% p.a.	6.15% p.a.	7.45% p.a.
<-75%	6.22% p.a.	7.18% p.a.	6.22% p.a.	7.52% p.a.
<-80%	6.25% p.a.	7.21% p.a.	6.25% p.a.	7.55% p.a.
<-85%	6.82% p.a.	7.87% p.a.	6.82% p.a.	8.20% p.a.
<-90%	7.24% p.a.	8.33% p.a.	7.24% p.a.	8.65% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	6.05% p.a.	7.11% p.a.	6.05% p.a.	7.45% p.a.
<-20%	6.05% p.a.	7.11% p.a.	6.05% p.a.	7.45% p.a.
<-30%	6.05% p.a.	7.12% p.a.	6.05% p.a.	7.46% p.a.
<-40%	6.05% p.a.	7.12% p.a.	6.05% p.a.	7.46% p.a.
<-50%	6.05% p.a.	7.12% p.a.	6.05% p.a.	7.46% p.a.
<-60%	6.15% p.a.	7.22% p.a.	6.15% p.a.	7.56% p.a.
<-65%	6.18% p.a.	7.25% p.a.	6.18% p.a.	7.59% p.a.
<-70%	6.20% p.a.	7.27% p.a.	6.20% p.a.	7.61% p.a.
<-75%	6.27% p.a.	7.35% p.a.	6.27% p.a.	7.68% p.a.
<-80%	6.30% p.a.	7.38% p.a.	6.30% p.a.	7.71% p.a.
<-85%	6.87% p.a.	8.04% p.a.	6.87% p.a.	8.37% p.a.
<-90%	7.29% p.a.	8.49% p.a.	7.29% p.a.	8.82% p.a.

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.66% p.a.
<-20%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-30%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-40%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-50%	6.15% p.a.	7.33% p.a.	6.15% p.a.	7.67% p.a.
<-60%	6.25% p.a.	7.43% p.a.	6.25% p.a.	7.77% p.a.
<-65%	6.28% p.a.	7.46% p.a.	6.28% p.a.	7.80% p.a.
<-70%	6.30% p.a.	7.49% p.a.	6.30% p.a.	7.82% p.a.
<-75%	6.37% p.a.	7.56% p.a.	6.37% p.a.	7.89% p.a.
<-80%	6.40% p.a.	7.59% p.a.	6.40% p.a.	7.93% p.a.
<-85%	6.97% p.a.	8.25% p.a.	6.97% p.a.	8.58% p.a.
<-90%	7.39% p.a.	8.71% p.a.	7.39% p.a.	9.03% p.a.

Variable

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.30% p.a.	5.34% p.a.	5.30% p.a.	5.71% p.a.
<-20%	5.30% p.a.	5.35% p.a.	5.30% p.a.	5.71% p.a.
<-30%	5.30% p.a.	5.35% p.a.	5.30% p.a.	5.71% p.a.
<-40%	5.30% p.a.	5.35% p.a.	5.30% p.a.	5.71% p.a.
<-50%	5.30% p.a.	5.35% p.a.	5.30% p.a.	5.72% p.a.
<-60%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.82% p.a.
<-65%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.82% p.a.
<-70%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.82% p.a.
<-75%	5.43% p.a.	5.49% p.a.	5.43% p.a.	5.85% p.a.
<-80%	5.45% p.a.	5.51% p.a.	5.45% p.a.	5.87% p.a.
<-85%	5.58% p.a.	5.72% p.a.	5.58% p.a.	6.08% p.a.
<-90%	5.65% p.a.	5.82% p.a.	5.65% p.a.	6.18% p.a.

Variable

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.40% p.a.	5.44% p.a.	5.40% p.a.	5.81% p.a.
<-20%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.81% p.a.
<-30%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.81% p.a.
<-40%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.81% p.a.
<-50%	5.40% p.a.	5.45% p.a.	5.40% p.a.	5.81% p.a.
<-60%	5.50% p.a.	5.55% p.a.	5.50% p.a.	5.91% p.a.
<-65%	5.53% p.a.	5.58% p.a.	5.53% p.a.	5.95% p.a.
<-70%	5.55% p.a.	5.60% p.a.	5.55% p.a.	5.97% p.a.
<-75%	5.58% p.a.	5.64% p.a.	5.58% p.a.	6.00% p.a.
<-80%	5.60% p.a.	5.66% p.a.	5.60% p.a.	6.02% p.a.
<-85%	6.17% p.a.	6.32% p.a.	6.17% p.a.	6.67% p.a.
<-90%	6.46% p.a.	6.65% p.a.	6.46% p.a.	6.99% p.a.

Variable

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.61% p.a.	5.65% p.a.	5.61% p.a.	6.02% p.a.
<-20%	5.61% p.a.	5.65% p.a.	5.61% p.a.	6.02% p.a.
<-30%	5.61% p.a.	5.66% p.a.	5.61% p.a.	6.02% p.a.
<-40%	5.61% p.a.	5.66% p.a.	5.61% p.a.	6.02% p.a.
<-50%	5.61% p.a.	5.66% p.a.	5.61% p.a.	6.02% p.a.
<-60%	5.71% p.a.	5.76% p.a.	5.71% p.a.	6.12% p.a.
<-65%	5.73% p.a.	5.78% p.a.	5.73% p.a.	6.14% p.a.
<-70%	5.75% p.a.	5.80% p.a.	5.75% p.a.	6.16% p.a.
<-75%	5.82% p.a.	5.88% p.a.	5.82% p.a.	6.23% p.a.
<-80%	5.85% p.a.	5.91% p.a.	5.85% p.a.	6.27% p.a.
<-85%	6.09% p.a.	6.23%p.a.	6.09% p.a.	6.58% p.a.
<-90%	6.84% p.a.	7.01% p.a.	6.84% p.a.	7.35% p.a.

Variable

LVR Range	Borrower rate	Comparison rate	Offset Borrower Rate	Offset Comparison Rate
<-10%	5.61% p.a.	5.65% p.a.	5.61% p.a.	6.02% p.a.
<-20%	5.61% p.a.	5.65% p.a.	5.61% p.a.	6.02% p.a.
<-30%	5.61% p.a.	5.66% p.a.	5.61% p.a.	6.02% p.a.
<-40%	5.61% p.a.	5.66% p.a.	5.61% p.a.	6.02% p.a.
<-50%	5.61% p.a.	5.66% p.a.	5.61% p.a.	6.02% p.a.
<-60%	5.71% p.a.	5.76% p.a.	5.71% p.a.	6.12% p.a.
<-65%	5.73% p.a.	5.78% p.a.	5.73% p.a.	6.14% p.a.
<-70%	5.75% p.a.	5.80% p.a.	5.75% p.a.	6.16% p.a.
<-75%	5.82% p.a.	5.88% p.a.	5.82% p.a.	6.23% p.a.
<-80%	5.85% p.a.	5.91% p.a.	5.85% p.a.	6.27% p.a.
<-85%	6.42% p.a.	6.58% p.a.	6.42% p.a.	6.92% p.a.
<-90%	6.84% p.a.	7.03% p.a.	6.84% p.a.	7.37% p.a.

Rates are for new loans and are subject to change.

The comparison rates are based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Fixed rate loans may be subject to significant break costs. Please refer to the loan contracts for terms and conditions regarding break costs.

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