Creditcrest Compare

What Australian lenders publish for a home loan, for the loan you actually have.

Every figure below is what the lender itself published, read from 93 banks under the Consumer Data Right on 19 September 2026 — 7 days ago. 1,360 products were read; 761 of them carry something that could not be read, which is said on the row it belongs to. Rates change without notice and this page does not call the banks when you open it.

Loan to value ratio

80.0%

Deposit or equity

$125,000

Products ranked

294

Lenders

The difference between the ends of this list

$128.52 a month, and $40,046,914 over 30 years, between Easystreet's STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest) at 5.79% and Firefighters Mutual Bank's Your Way Plus Home Loan at 6.19% — 40 basis points apart. Both are rates those lenders publish for a loan at 80.0% today.

Why the property's value is asked for

215 products here publish a rate that depends on the loan to value ratio, and each is shown at the rate published for 80.0% rather than at its lowest. On this dataset the gap between a lender's cheapest tier and its dearest runs to 218 basis points, which on $500,000 is a few hundred dollars a month — so a table built on lowest published rates would be wrong by that much, and wrong in the order as well as in the figures. Open any row to see the tiers a loan at 80.0% does not reach.

294 products ranked by cost over 30 years

Ordered by what the credit costs over 30 years: interest, plus fees, computed from the figures each lender publishes. Nothing else is ranked, and the lowest rate is not always the lowest cost. The comparison rate column is the lender's own published figure, which under the National Credit Code s 161 and reg 97 is calculated on a loan of $150,000 over 25 years and not on yours — it is printed because the lender published it, not because it answers this question.

Showing the 50 cheapest of 294 products, in order. Show all 294.

#	Lender and product	Rate	Comparison rate	Monthly	Fees	Cost over 30 years
1	EasystreetSTREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)offset	5.79% variable	5.80%	$2,930.58	none at settlement	$555,011
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens SPECIAL_ATTENDANCE (300) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late DEFAULT_NOTICE_FEE (50) — charged per transaction FAILURE_TO_COMPLY_NOTICE (25) — charged when a particular thing happens RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE (500) — charged when a particular thing happens PRODUCTION_OF_DEEDS (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens MORTGAGE_DEFAULT_NOTICE_FEE (0) — charged when a particular thing happens COPY_OF_PRINT_STATEMENT_-_FEE (1.5) — charged when a particular thing happens Features published: offset, redraw. Read from https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-SP500SEP26 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
1	The Mutual BankBudget Home Loan	5.79% variable	5.79%	$2,930.58	none at settlement	$555,011
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “LVR up to 59.99%.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted CHEQUE_ISSUING_FEE (2.5) — charged when a particular thing happens CONSENT_FEE (200) — charged when a particular thing happens DEFAULT_ADMINISTRATION_FEE (50) — charged when a particular thing happens DISCHARGE_ADMINISTRATION_FEE (200) — charged when a particular thing happens DISHONOUR_FEE (9) — charged when a particular thing happens DUPLICATE_FEE (20) — charged when a particular thing happens DUPLICATE_STATEMENT_FEE (7) — charged when a particular thing happens PHOTOCOPYING_FEE (0.5) — charged when a particular thing happens PRODUCTION_FEE (200) — charged when a particular thing happens RENEGOTIATION_FEE (300) — charged when a particular thing happens SECURITY_SUBSTITUTION_FEE (300) — charged when a particular thing happens SETTLEMENT_FEE (150) — charged when a particular thing happens VALUATION_FEE_CONSUMER_LOANS — charged on a cash advance AGENTS_COSTS — charged on a cash advance INFORMATION_FEE (20) — charged on a cash advance SWITCHING_FEE (300) — charged when a particular thing happens Features published: redraw, extra repayments. 2 things about this lender's published data that could not be read no amount or rate could be read for the fee "VALUATION_FEE_CONSUMER_LOANS", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "AGENTS_COSTS", so what it costs is unknown and is not being read as nothing Read from https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Budget_Home_Loan on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
3	UNITY BANKEssential Worker Home Loan - Owner Occupieroffset	5.80% variable	5.85%	$2,933.77	$600 at settlement	$556,753
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge SECURITY_GUARANTOR_FEE — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement Charged only if something happens, and not counted LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, guarantor, redraw, offset. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L35_EW_OCC_PRIN on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
4	Border BankFirst Home Loana floor, not a totaloffsetrate depends on LVR	5.84% variable	5.91%	$2,946.51	$686 at settlement	$561,433 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.84%, which is the rate published for a ratio of 80% to 98%. Published maximum loan to value ratio: 98%. The lender's note on this rate: “Owner Occupied P&I LVR 80-98% C1” Fees in the figures Establishment fee — $600.00, payable at settlement Second Mortgage Consent Fee — $75.00, payable at settlement RTGS Transfer Fee — $10.50, payable at settlement Mortgage Discharge Fee — $294.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Product Split Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Independent Legal Advice/Interpreter Service — charged when a particular thing happens Substituting Securities fee (315) — charged when a particular thing happens Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens Insurance — charged when a particular thing happens Other Government Duties & Taxes — charged when a particular thing happens Additional Statement Fee — something the standard has no type for Default Notice Fee (21.5) — charged when a particular thing happens Pest & Building Inspections Fees — charged when a particular thing happens Substituting of Security Legal fee (605) — charged when a particular thing happens Stamp Duty Increase Fee — charged when a particular thing happens Arrears Letter Fee (6.5) — charged when a particular thing happens Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured Third Party Costs — something the standard has no type for PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens Production of Title Fee (110) — charged when a particular thing happens Other Legal/ Solicitors Fees — charged when a particular thing happens Excess Valuation Fee — charged when a particular thing happens Late Payment Fee (10) — charged when a payment is late Fixed Rate Lock Fee (600) — charged when a particular thing happens General Consent Fee (250) — charged when a particular thing happens Additional Valuation Fee — charged when a particular thing happens Consent to Subdivision Fee (162) — charged when a particular thing happens Legal/Securities fees — charged when a particular thing happens Early Repayment Fee — something the standard has no type for Stamp Duty — charged when a particular thing happens Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens A discharge fee of $294.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments, offset. 16 things about this lender's published data that could not be read no amount or rate could be read for the fee "Independent Legal Advice/Interpreter Service", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Government Duties & Taxes", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Statement Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Pest & Building Inspections Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty Increase Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Issue of Statutory Default Notice Legal Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PPSR Fees (Personal Properties Security Register)", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Legal/ Solicitors Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Excess Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal/Securities fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Early Repayment Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/c4ec4d46-4ce3-46a2-9612-4590cfc5a4fd on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
4	Police BankFirst Home Loana floor, not a totaloffsetrate depends on LVR	5.84% variable	5.91%	$2,946.51	$686 at settlement	$561,433 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.84%, which is the rate published for a ratio of 80% to 98%. Published maximum loan to value ratio: 98%. The lender's note on this rate: “Owner Occupied P&I LVR 80-98% C1” Fees in the figures Establishment fee — $600.00, payable at settlement Second Mortgage Consent Fee — $75.00, payable at settlement RTGS Transfer Fee — $10.50, payable at settlement Mortgage Discharge Fee — $294.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Product Split Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Independent Legal Advice/Interpreter Service — charged when a particular thing happens Substituting Securities fee (315) — charged when a particular thing happens Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens Insurance — charged when a particular thing happens Other Government Duties & Taxes — charged when a particular thing happens Additional Statement Fee — something the standard has no type for Default Notice Fee (21.5) — charged when a particular thing happens Pest & Building Inspections Fees — charged when a particular thing happens Substituting of Security Legal fee (605) — charged when a particular thing happens Stamp Duty Increase Fee — charged when a particular thing happens Arrears Letter Fee (6.5) — charged when a particular thing happens Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured Third Party Costs — something the standard has no type for PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens Production of Title Fee (110) — charged when a particular thing happens Other Legal/ Solicitors Fees — charged when a particular thing happens Excess Valuation fee — charged when a particular thing happens Late Payment Fee (10) — charged when a payment is late Fixed Rate Lock Fee (600) — charged when a particular thing happens General Consent Fee (250) — charged when a particular thing happens Additional Valuation Fee — charged when a particular thing happens Consent to Subdivision Fee (162) — charged when a particular thing happens Legal/Securities fees — charged when a particular thing happens Early Repayment Fee — something the standard has no type for Stamp Duty — charged when a particular thing happens Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens A discharge fee of $294.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: offset, redraw, extra repayments. 16 things about this lender's published data that could not be read no amount or rate could be read for the fee "Independent Legal Advice/Interpreter Service", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Government Duties & Taxes", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Statement Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Pest & Building Inspections Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty Increase Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Issue of Statutory Default Notice Legal Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PPSR Fees (Personal Properties Security Register)", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Legal/ Solicitors Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Excess Valuation fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal/Securities fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Early Repayment Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/b658de52-9d9f-496f-8564-14d66798fefb on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
6	Virgin Money AustraliaVirgin Money Lite Home Loana floor, not a totalrate depends on LVR	5.84% variable	5.86%	$2,946.51	$900 at settlement	$561,647 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.84%, which is the rate published for a ratio of 70.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.29% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 60.01% to 70% 7.19% — it is published for a loan to value ratio of 90.01% to 95% 7.19% — it is published for a loan to value ratio of 95.01% to 100% 7.19% — it is published for a loan to value ratio of 95.01% to 100% 6.54% — it is published for a loan to value ratio of 80.01% to 90% 6.24% — it is published for a loan to value ratio of 60.01% to 70% 6.24% — it is published for a loan to value ratio of 0% to 60% 6.59% — it is published for a loan to value ratio of 80.01% to 90% 7.19% — it is published for a loan to value ratio of 90.01% to 95% 7.64% — it is published for a loan to value ratio of 95.01% to 100% 7.79% — it is published for a loan to value ratio of 90.01% to 95% 5.84% — it is published for a loan to value ratio of 0% to 60% 7.79% — it is published for a loan to value ratio of 95.01% to 100% 7.79% — it is published for a loan to value ratio of 95.01% to 100% 8.45% — it is published for a loan to value ratio of 0% to 60% 6.89% — it is published for a loan to value ratio of 60.01% to 70% 8.71% — it is published for a loan to value ratio of 90.01% to 95% 5.84% — it is published for a loan to value ratio of 60.01% to 70% 6.89% — it is published for a loan to value ratio of 0% to 60% 8.71% — it is published for a loan to value ratio of 95.01% to 100% 6.84% — it is published for a loan to value ratio of 80.01% to 90% 7.77% — it is published for a loan to value ratio of 95.01% to 100% 7.77% — it is published for a loan to value ratio of 90.01% to 95% 8.71% — it is published for a loan to value ratio of 80.01% to 90% 7.79% — it is published for a loan to value ratio of 90.01% to 95% 7.64% — it is published for a loan to value ratio of 90.01% to 95% 6.49% — it is published for a loan to value ratio of 60.01% to 70% 8.45% — it is published for a loan to value ratio of 60.01% to 70% 6.34% — it is published for a loan to value ratio of 80.01% to 90% 7.14% — it is published for a loan to value ratio of 80.01% to 90% 6.49% — it is published for a loan to value ratio of 0% to 60% 6.89% — it is published for a loan to value ratio of 0% to 60% 7.14% — it is published for a loan to value ratio of 80.01% to 90% 6.89% — it is published for a loan to value ratio of 60.01% to 70% Published maximum loan to value ratio: 100%. The lender's note on this rate: “VARIABLE Rate, Owner Occupied, Principal and Interest, VARIABLE - LVR 70% to 80% - Balance >=$150k” Fees in the figures Settlement Fee — $150.00, payable at settlement Security Release Fee — $350.00, charged on discharge Rate Lock Fee — $750.00, payable at settlement Application Fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Paper Statement Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Valuation Fee (for post-settlement variations) (300) — charged when a particular thing happens Valuation Fee (for new applications) (300) — charged when a particular thing happens Vouchers and other records for searching - Privacy Act (66) — charged when a particular thing happens Top up Fee (150) — charged if the contract is varied Mortgagee Sale Fee (400) — charged when a particular thing happens Vouchers and other records for searching - General search (60) — charged when a particular thing happens Legal Review Fees - Standard (350) — charged when a particular thing happens Late Payment Fee (30) — charged when a payment is late Substitution of Security Fee (300) — charged if the contract is varied Variation Fee (300) — charged if the contract is varied A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, redraw. Read from https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
7	Gateway BankGreen Plus Home Loana floor, not a totaloffset	5.85% variable	6.14%	$2,949.70	none at settlement	$561,897 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Green Plus Home Loan (<=80% LVR)” Fees in the figures Discharge Fee - First Security — $300.00, charged on discharge Discharge Fee - Per Additional Security — $95.00, charged on discharge Establishment Fee — $0.00, payable at settlement Legal Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Split Loan Account Fee — $0.00, payable at settlement Mortgage Registration Fee — $0.00, payable at settlement Rate Lock Fee — $0.00, payable at settlement Early Repayment Adjustment (ERA)(break costs) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures Annual Home Loan Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Annual Home Loan Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Valuation Fee (0) — charged when a particular thing happens Construction Progress Inspection Fee (150) — charged when a particular thing happens Construction Additional Progress Payment Fee (150) — charged when a particular thing happens Construction Final Inspection Fee (325) — charged when a particular thing happens Top Up Fee (0) — charged per transaction Switch Fee (150) — charged when a particular thing happens Security Variation Fee (0) — charged when a particular thing happens A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, offset, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/173 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
8	Greater BankDiscounted Great Rate Home Loan - Variable Owner Occupieda floor, not a total	5.84% variable	5.85%	$2,946.51	$1,230 at settlement	$561,977 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “Discounted rates include a discount on Home Loans of $150,000 or over and for owner occupied Home Loans with an LVR 80% or below and for investment Home Loan with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.” Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Title insurance premium The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Progress inspection fee — charged when a particular thing happens Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Construction Loan Draw Down Fee (80) — charged per withdrawal Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: guarantor, redraw, extra repayments. 9 things about this lender's published data that could not be read no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
9	SummerlandECO Home Loan	5.84% variable	5.90%	$2,946.51	$1,725 at settlement	$562,472
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.” Fees in the figures Loan Increase Fee — $225.00, payable at settlement Valuation Fee — $300.00, payable at settlement Guarantee Establishment Fee — $200.00, payable at settlement Valuation Fee - Construction — $800.00, payable at settlement Legal Fee — $200.00, payable at settlement Charged only if something happens, and not counted Contract Variation/Consent Fee (300) — charged when a particular thing happens Mortgage Discharge Fee (250) — charged per transaction QuickDebit Dishonour Fee (10) — charged when a particular thing happens Features published: extra repayments, guarantor, redraw. Read from https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
10	Community First Credit UnionCore Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest)a floor, not a total	5.85% variable	5.90%	$2,949.70	$2,100 at settlement	$563,997 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CR-OOPI-LVR80_Special on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
10	Community First Credit UnionGo Basic Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest)a floor, not a total	5.85% variable	5.90%	$2,949.70	$2,100 at settlement	$563,997 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80_Special on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
12	Bank AustraliaClean Energy Home Loana floor, not a totaloffsetrate depends on LVR	5.88% variable	6.21%	$2,959.29	none at settlement	$565,341 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.88%, which is the rate published for a ratio of 0% to 90%. Fees in the figures Establishment Fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Monthly Offset Account Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Offset Home Loan Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Platinum Rewards Credit Card Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Mortgage Discharge Fee (275) — charged when a particular thing happens Portability Fee- New Mortgage (500) — charged when a particular thing happens Redraw fee (0) — charged when a particular thing happens 1st Valuation Fee (0) — charged when a particular thing happens Construction Progress Inspection (0) — charged when a particular thing happens Features published: offset, redraw, extra repayments. Read from https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a4d8b0f1-7691-4bc2-ba8a-216a787681a9 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
13	HORIZON BANKFirst Home Buyer Loanoffsetrate depends on LVR	5.89% variable	5.89%	$2,962.48	none at settlement	$566,497
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.89%, which is the rate published for a ratio of 70.01% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.74% — it is published for a loan to value ratio of 0.01% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Features published: redraw, offset, extra repayments. Read from https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L12_FirstHomeBuyer on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
13	Unloan ProdUnloan Home Loanrate depends on LVR	5.89% variable	5.80%	$2,962.48	none at settlement	$566,497
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.89%, which is the rate published for a ratio of 0% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.19% — it is published for a loan to value ratio of 80.01% to 90% The lender's note on this rate: “Visit our website” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Features published: redraw, extra repayments. Read from https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823 on 19 September 2026. The lender publishes the lender's page for this product.
15	Bendigo BankBendigo Express Home Loana floor, not a totaloffset	5.89% variable	6.02%	$2,962.48	$250 at settlement	$566,747 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. Fees in the figures Discharge Administration Fee — $350.00, charged on discharge Establishment Fee — $0.00, payable at settlement Guarantee Administration Fee — $250.00, payable at settlement Fees this could not price, and which are NOT in the figures Monthly Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Variation Fee - Simple (150) — charged when a particular thing happens Variation Fee - Complex (300) — charged when a particular thing happens Rate Variation Fee (to renegotiate Rate) (100) — charged when a particular thing happens Repayment Recalculation Fee (50) — charged when a particular thing happens Interest Prepayment Fee (85) — charged when a particular thing happens Default Fee (35) — charged when a particular thing happens Duplicate Fee (16.5) — charged when a particular thing happens Bank Cheque Fee (10) — charged when a particular thing happens Valuation Fee — charged when a particular thing happens Break Cost Fee and Prepayment Fee — charged when a particular thing happens Online Redraw Fee (0) — charged when a particular thing happens Agent Lodgement Fee (125) — charged when a particular thing happens Manual Redraw Fee (0) — charged when a particular thing happens A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, offset, extra repayments. 4 things about this lender's published data that could not be read the fee "Valuation Fee" says its method is "variable" and carries no "variable" object, so the amount cannot be read from the shape the fee itself declares no amount or rate could be read for the fee "Valuation Fee", so what it costs is unknown and is not being read as nothing the fee "Break Cost Fee and Prepayment Fee" says its method is "variable" and carries no "variable" object, so the amount cannot be read from the shape the fee itself declares no amount or rate could be read for the fee "Break Cost Fee and Prepayment Fee", so what it costs is unknown and is not being read as nothing Read from https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
16	Gateway BankLow Rate Essentials	5.89% variable	5.91%	$2,962.48	$275 at settlement	$566,772
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Low Rate Essentials - <= 50% LVR” Fees in the figures Discharge Fee - First Security — $300.00, charged on discharge Discharge Fee - Per Additional Security — $95.00, charged on discharge Establishment Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Legal Fee — $275.00, payable at settlement Split Fee — $0.00, payable at settlement Exit Fee — $0.00, charged on discharge Annual Package Fee — $0.00, payable at settlement Mortgage Registration Fee — $0.00, payable at settlement Charged only if something happens, and not counted Top-Up Fee (200) — charged when a particular thing happens Switch Fee (150) — charged when a particular thing happens Security Variation Fee (200) — charged when a particular thing happens Additional Valuation Fee (0) — charged when a particular thing happens A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
17	TRANSPORT MUTUAL CREDIT UNION LTDREFI SPECIAL OWNER OCCUPIEDa floor, not a totaloffset	5.89% variable	5.99%	$2,962.48	$395 at settlement	$566,892 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures HOME_LOAN — $395.00, payable at settlement Fees this could not price, and which are NOT in the figures LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance ARREARS_FEE (10) — charged when a particular thing happens ARREARS_FEE-ARREARS_FEE_LETTER_2 (25) — charged when a particular thing happens DEFAULT_NOTICE (55) — charged per transaction DISCHARGE_FEE — charged on a cash advance LAND_TITLES_OFFICE_REGISTRATION_FEES — charged on a cash advance SETTLEMENT_AGENT_FEES — charged on a cash advance SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance VALUATION_FEE — charged on a cash advance Features published: redraw, offset, extra repayments. 1 thing about this lender's published data that could not be read no amount or rate could be read for the fee "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES", so what it costs is unknown and is not being read as nothing Read from https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_REFI_SPECIAL_OO on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
17	TRANSPORT MUTUAL CREDIT UNION LTD2 FIXED RATE HOME LOANa floor, not a totaloffset	5.89% variable	not published	$2,962.48	$395 at settlement	$566,892 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures HOME_LOAN — $395.00, payable at settlement Fees this could not price, and which are NOT in the figures LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount) LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance ARREARS_FEE (10) — charged when a particular thing happens ARREARS_FEE-ARREARS_FEE_LETTER_2 (25) — charged when a particular thing happens DEFAULT_NOTICE (55) — charged per transaction DISCHARGE_FEE — charged on a cash advance LAND_TITLES_OFFICE_REGISTRATION_FEES — charged on a cash advance SETTLEMENT_AGENT_FEES — charged on a cash advance SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance VALUATION_FEE — charged on a cash advance Features published: redraw, offset, extra repayments. 1 thing about this lender's published data that could not be read no amount or rate could be read for the fee "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES", so what it costs is unknown and is not being read as nothing Read from https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L68_2_YEAR_FIXED_HOME_LOAN_OO on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
17	TRANSPORT MUTUAL CREDIT UNION LTD1 YEAR FIXED RATE LOANa floor, not a totaloffset	5.89% variable	not published	$2,962.48	$395 at settlement	$566,892 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures HOME_LOAN — $395.00, payable at settlement Fees this could not price, and which are NOT in the figures LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LAND_TITLES_OFFICE_REGISTRATION_FEES — charged on a cash advance SETTLEMENT_AGENT_FEES — charged on a cash advance DISCHARGE_FEE — charged on a cash advance ARREARS_FEE (10) — charged when a particular thing happens ARREARS_FEE-ARREARS_FEE_LETTER_2 (25) — charged when a particular thing happens DEFAULT_NOTICE (55) — charged per transaction SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance VALUATION_FEE — charged on a cash advance Features published: offset, redraw, extra repayments. 1 thing about this lender's published data that could not be read no amount or rate could be read for the fee "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES", so what it costs is unknown and is not being read as nothing Read from https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L68_1_YEAR_FIXED_RATE_HOME_LOAN_OO on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
20	Fire Service Credit UnionL25 Firefighter Packageoffset	5.89% variable	6.17%	$2,962.48	$450 at settlement	$566,947
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “New Money for Owner occupied with a LVR not exceeding 60%” Fees in the figures Home Loan 1st Mortgage Application Fee — $300.00, payable at settlement Existing Mortgage Increase Application Fee — $150.00, payable at settlement Charged only if something happens, and not counted Home Loan Redraw (0) — charged when a particular thing happens Annual Service Fee (300) — charged when a particular thing happens Mortgage Discharge Admin Fee # (150) — charged when a particular thing happens Mortgage Discharge Doc Fee ## (235.75) — charged when a particular thing happens LTO Mortgage Discharge ## (204) — charged when a particular thing happens Features published: extra repayments, offset, redraw. Read from https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/21 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
21	POLICE CREDIT UNION LIMITEDLow Rate Home Loan Special Offer - Owner Occupiedoffsetrate depends on LVR	5.89% variable	5.93%	$2,962.48	$745 at settlement	$567,242
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.89%, which is the rate published for a ratio of 0.00% to 80%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_LRHL_SPEC_OFF_MAX_80_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
21	POLICE CREDIT UNION LIMITEDLow Rate Home Loan - First Home Buyeroffsetrate depends on LVR	5.89% variable	5.93%	$2,962.48	$745 at settlement	$567,242
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.89%, which is the rate published for a ratio of 0.00% to 80%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_LRHL_MAX_95_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
21	POLICE CREDIT UNION LIMITEDLow Rate Home Loan - Owner Occupiedoffsetrate depends on LVR	5.89% variable	5.95%	$2,962.48	$745 at settlement	$567,242
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.89%, which is the rate published for a ratio of 0.00% to 80%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_LRHL_MAX_80_LVR_200K_MIN on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
24	UNITY BANKVic Homebuyer Fundoffset	5.90% variable	5.93%	$2,965.68	$400 at settlement	$568,047
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement Charged only if something happens, and not counted LOAN_SWITCH_FEE (200) — charged when a particular thing happens TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments, offset. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L37_VIC_OO_PRIN on 19 September 2026. The lender publishes its fees and pricing, its terms.
25	UNITY BANKAustralian Government 5% Deposit Schemeoffset	5.90% variable	5.95%	$2,965.68	$600 at settlement	$568,247
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 98%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement SECURITY_GUARANTOR_FEE — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement Charged only if something happens, and not counted LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: offset, redraw, extra repayments. 1 thing about this lender's published data that could not be read the MAX_BALANCE constraint has no readable value, so the largest balance the product allows is unknown Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L25_HGS_OO_PRIN on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
25	UNITY BANKFirst Home Buyer Loan - Owner Occupied - SOoffset	5.90% variable	5.95%	$2,965.68	$600 at settlement	$568,247
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge SECURITY_GUARANTOR_FEE — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) — $200.00, payable at settlement Charged only if something happens, and not counted LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: offset, redraw, extra repayments. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L31_FHBL_OCC_PRIN on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
27	CoastlineFirst Home Buyer Loanoffsetrate depends on LVR	5.89% variable	5.89%	$2,962.48	$1,885 at settlement	$568,382
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.89%, which is the rate published for a ratio of 60.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.89% — it is published for a loan to value ratio of 0% to 60% 5.89% — it is published for a loan to value ratio of 80.01% to no stated maximum The lender's note on this rate: “VARIABLE RATE WITH MORTGAGE OFFSET ACCOUNT WITH LVR > 60% TO <= 80%” Fees in the figures Loan Establishment Fee — $595.00, payable at settlement Loan Estab Fee - Owner Builder — $595.00, payable at settlement Scheduling Fee - Owner Builder — $550.00, payable at settlement Progress Draw Fee-Construction — $95.00, payable at settlement Property Search Fee — $30.00, payable at settlement Real Time Transfer/NPP Fee — $20.00, payable at settlement Charged only if something happens, and not counted Loan Renegotiation Fee (150) — charged when a particular thing happens Loan Switching Fee (200) — charged when a particular thing happens Bank's Solicitor Mtg Disch Fee (380) — charged per transaction Mortgage Discharge Fee (250) — charged per transaction Manual Arrears Transfer Fee (5) — charged when a particular thing happens Arrears Reminder Fee (5) — charged when a particular thing happens Final Notice of Demand (40) — charged when a particular thing happens Loan Redraw Fee (20) — charged per transaction Loan Redraw Fee (0) — charged per transaction Features published: extra repayments, guarantor, offset, redraw. Read from https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/36 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
28	SummerlandBasic Variable Home Loana floor, not a total	5.89% variable	5.95%	$2,962.48	$2,100 at settlement	$568,597 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.” Fees in the figures Establishment Fee — $300.00, payable at settlement Loan Increase Fee — $300.00, payable at settlement Valuation Fee — $300.00, payable at settlement Legal Fee — $200.00, payable at settlement Guarantee Establishment Fee — $200.00, payable at settlement Valuation Fee - Construction — $800.00, payable at settlement Fees this could not price, and which are NOT in the figures Loan Administration Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Redraw Fee - Assisted (25) — charged per transaction Redraw Fee - Electronic (0) — charged per transaction Contract Variation/Consent Fee (300) — charged when a particular thing happens Mortgage Discharge Fee (250) — charged per transaction QuickDebit Dishonour Fee (15) — charged when a particular thing happens Features published: extra repayments, guarantor, redraw. Read from https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/78 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
29	Bank of ChinaDiscount Plus Home Loan (with Principal and Interest Repayment)a floor, not a totaloffset	5.93% variable	6.31%	$2,975.29	none at settlement	$571,102 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 90%. Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Features published: extra repayments, redraw, offset. Read from https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363Plus on 19 September 2026. The lender publishes the lender's page for this product.
29	Bank of ChinaDiscount Home Loan (With Principal and Interest Repayment)a floor, not a total	5.93% variable	6.13%	$2,975.29	none at settlement	$571,102 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 90%. Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Features published: extra repayments, redraw. Read from https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363 on 19 September 2026. The lender publishes the lender's page for this product.
29	SCCUPREMIUM HOME LOANa floor, not a totaloffsetrate depends on LVR	5.93% variable	6.28%	$2,975.29	none at settlement	$571,102 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.93%, which is the rate published for a ratio of 60.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.23% — it is published for a loan to value ratio of 80.01% to 98% 6.29% — it is published for a loan to value ratio of 80.01% to 98% 6.29% — it is published for a loan to value ratio of 80.01% to 98% 6.39% — it is published for a loan to value ratio of 80.01% to 98% 6.49% — it is published for a loan to value ratio of 80.01% to 98% 6.49% — it is published for a loan to value ratio of 80.01% to 98% 5.93% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.19% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 5.93% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.19% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.73% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.59% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ANNUAL_PACKAGE_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted BREAK_COST_FEE (0) — charged on a cash advance CONSTRUCTION_LOAN_PROGRESS_FEE (450) — charged when a particular thing happens DEPOSIT_BOND_HANDLING (110) — charged when a particular thing happens FIXED_RATE_LOCK_FEE — charged on a cash advance GUARANTOR_SECURITY_VARIATION (300) — charged when a particular thing happens HOME_LOAN_LEGAL_FEE (430) — charged when a particular thing happens HOME_LOAN_PRODUCT_SWITCH (300) — charged when a particular thing happens HOME_LOAN_SECURITY_VARIATION (300) — charged when a particular thing happens HOME_LOAN_TRUST_DEED_LEGAL_FEE (132) — charged when a particular thing happens LOAN_CONSOLIDATION (300) — charged when a particular thing happens LOAN_DISCHARGE_FEE (150) — charged when a particular thing happens LOAN_TOP-UP (300) — charged when a particular thing happens PROPERTY_VALUATION_FEE (0) — charged on a cash advance RECONTRACTING_FEE (150) — charged when a particular thing happens REDRAW_IN_BRANCH (25) — charged per transaction SECURITY_GUARANTEE_FEE (200) — charged when a particular thing happens HOME_LOAN_VARIATION (300) — charged when a particular thing happens Features published: offset, redraw, extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 98; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
29	SCCUBROKER HOME LOANa floor, not a totaloffsetrate depends on LVR	5.93% variable	6.28%	$2,975.29	none at settlement	$571,102 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.93%, which is the rate published for a ratio of 60.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.93% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.19% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 5.93% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.19% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.73% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.59% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ANNUAL_PACKAGE_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted BREAK_COST_FEE (0) — charged on a cash advance CONSTRUCTION_LOAN_PROGRESS_FEE (450) — charged when a particular thing happens DIRECT_DEBIT_DISHONOUR (15) — charged when a particular thing happens FIXED_RATE_LOCK_FEE — charged on a cash advance GUARANTOR_SECURITY_VARIATION (300) — charged when a particular thing happens HOME_LOAN_LEGAL_FEE (430) — charged when a particular thing happens HOME_LOAN_PRODUCT_SWITCH (300) — charged when a particular thing happens HOME_LOAN_SECURITY_VARIATION (300) — charged when a particular thing happens LEGAL_FEE_TRUST_DEED (132) — charged when a particular thing happens LOAN_CONSOLIDATION (300) — charged when a particular thing happens LOAN_DISCHARGE_FEE (150) — charged when a particular thing happens LOAN_TOP-UP (300) — charged when a particular thing happens PROPERTY_VALUATION_FEE (0) — charged on a cash advance RECONTRACTING_FEE (150) — charged when a particular thing happens REDRAW_IN_BRANCH (25) — charged per transaction SECURITY_GUARANTEE_FEE (200) — charged when a particular thing happens HOME_LOAN_VARIATION (300) — charged when a particular thing happens Features published: offset, redraw, extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BROKER_HOME_LOAN on 19 September 2026.
29	SCCULJH 5STAR HOME LOANa floor, not a totaloffsetrate depends on LVR	5.93% variable	6.28%	$2,975.29	none at settlement	$571,102 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.93%, which is the rate published for a ratio of 60.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.23% — it is published for a loan to value ratio of 80.01% to 98% 6.29% — it is published for a loan to value ratio of 80.01% to 98% 6.29% — it is published for a loan to value ratio of 80.01% to 98% 6.39% — it is published for a loan to value ratio of 80.01% to 98% 6.49% — it is published for a loan to value ratio of 80.01% to 98% 6.49% — it is published for a loan to value ratio of 80.01% to 98% 5.93% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.19% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 5.93% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.19% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.73% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.59% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ANNUAL_PACKAGE_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted BREAK_COST_FEE (0) — charged on a cash advance CONSTRUCTION_LOAN_PROGRESS_FEE (450) — charged when a particular thing happens DIRECT_DEBIT_DISHONOUR (15) — charged when a particular thing happens FIXED_RATE_LOCK_FEE — charged on a cash advance GUARANTOR_SECURITY_VARIATION (300) — charged when a particular thing happens HOME_LOAN_LEGAL_FEE (430) — charged when a particular thing happens HOME_LOAN_PRODUCT_SWITCH (300) — charged when a particular thing happens HOME_LOAN_SECURITY_VARIATION (300) — charged when a particular thing happens LEGAL_FEE_TRUST_DEED (132) — charged when a particular thing happens LOAN_CONSOLIDATION (300) — charged when a particular thing happens LOAN_DISCHARGE_FEE (150) — charged when a particular thing happens LOAN_TOP-UP (300) — charged when a particular thing happens PROPERTY_VALUATION_FEE (0) — charged on a cash advance RECONTRACTING_FEE (150) — charged when a particular thing happens REDRAW_IN_BRANCH (25) — charged per transaction SECURITY_GUARANTEE_FEE (200) — charged when a particular thing happens HOME_LOAN_VARIATION (300) — charged when a particular thing happens Features published: offset, redraw, extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 98; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/LJH_5STAR_HOME_LOAN on 19 September 2026.
29	SCCUEMONEY HOME LOANa floor, not a totaloffsetrate depends on LVR	5.93% variable	6.28%	$2,975.29	none at settlement	$571,102 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.93%, which is the rate published for a ratio of 60.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.93% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.09% — it is published for a loan to value ratio of 80.01% to 95% 6.19% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 6.29% — it is published for a loan to value ratio of 80.01% to 95% 5.93% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.09% — it is published for a loan to value ratio of 0% to 60% 6.19% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.29% — it is published for a loan to value ratio of 0% to 60% 6.73% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.49% — it is published for a loan to value ratio of 80.01% to 95% 6.59% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% 6.69% — it is published for a loan to value ratio of 80.01% to 95% Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ANNUAL_PACKAGE_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted BREAK_COST_FEE (0) — charged on a cash advance CONSTRUCTION_LOAN_PROGRESS_FEE (450) — charged when a particular thing happens DIRECT_DEBIT_DISHONOUR (15) — charged when a particular thing happens FIXED_RATE_LOCK_FEE — charged on a cash advance GUARANTOR_SECURITY_VARIATION (300) — charged when a particular thing happens HOME_LOAN_LEGAL_FEE (430) — charged when a particular thing happens HOME_LOAN_PRODUCT_SWITCH (300) — charged when a particular thing happens HOME_LOAN_SECURITY_VARIATION (300) — charged when a particular thing happens HOME_LOAN_TRUST_DEED_LEGAL_FEE (132) — charged when a particular thing happens HOME_LOAN_VARIATION (300) — charged when a particular thing happens LOAN_CONSOLIDATION (300) — charged when a particular thing happens LOAN_DISCHARGE_FEE (150) — charged when a particular thing happens LOAN_TOP-UP (300) — charged when a particular thing happens PROPERTY_VALUATION_FEE (0) — charged on a cash advance SECURITY_GUARANTEE_FEE (200) — charged when a particular thing happens RECONTRACTING_FEE (150) — charged when a particular thing happens Features published: offset, redraw, extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EMONEY_HOME_LOAN on 19 September 2026.
35	NORTHERN INLAND CREDIT UNION LTD.Value Home Loan - Owner Occupied	5.94% variable	5.98%	$2,978.49	none at settlement	$572,259
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted ALTERNATE_SECURITY_MORTGAGE (300) — charged when a particular thing happens DISCHARGE_MORTGAGE (300) — charged when a particular thing happens FINAL_SEARCH (0) — charged on a cash advance LATE_REPAYMENT_FEE (15) — charged when a particular thing happens MORTGAGE_CANCELLATION_FEE (150) — charged when a particular thing happens REGISTRATION_WITH_LRS (0) — charged on a cash advance STAFF_TRANSFER (10) — charged when a particular thing happens PEXA_ELCTRONIC_SETTLEMENT_AGENCY — charged on a cash advance MORTGAGE_VALUATION (275) — charged on a cash advance MORTGAGE_DOCUMENT_FEE_-_(NEW_SECURITIES_ONLY) (440) — charged when a particular thing happens Features published: redraw, extra repayments. 4 things about this lender's published data that could not be read no amount or rate could be read for the fee "PEXA_ELCTRONIC_SETTLEMENT_AGENCY", so what it costs is unknown and is not being read as nothing the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 98; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL30V_OO on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
36	MACARTHUR CREDIT UNION LTDFIRST HOME BUYERS OWNER OCCUPIED P&I	5.92% variable	5.98%	$2,972.08	$2,355 at settlement	$572,308
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures APPLICATION_FEE — $400.00, payable at settlement APPLICATION_FEE_BRIDGING_LOAN — $800.00, payable at settlement APPLICATION_FEE_TOP_UP — $300.00, payable at settlement DEFAULT_NOTICES — $55.00, payable at settlement GENERAL_CONSENT_FEE — $150.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $200.00, payable at settlement PRODUCTION_OF_TITLE_DEED_FEE — $150.00, payable at settlement SUBSTITUTION_OF_SECURITY_FEE — $250.00, payable at settlement SWITCHING_FEE — $50.00, payable at settlement Charged only if something happens, and not counted COLLECTION_FEE — charged on a cash advance LEGAL_FEE — charged on a cash advance VALUATION_FEE — charged on a cash advance Features published: redraw, extra repayments. 3 things about this lender's published data that could not be read no amount or rate could be read for the fee "COLLECTION_FEE", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "LEGAL_FEE", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "VALUATION_FEE", so what it costs is unknown and is not being read as nothing Read from https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/FIRSTHOMEBUYEROOCPI on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
37	Gateway BankAllium Money Essentials	5.94% variable	5.94%	$2,978.49	$99 at settlement	$572,358
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Allium Money Essentials - <= 80% LVR” Fees in the figures Split Fee — $99.00, payable at settlement Charged only if something happens, and not counted Cheque Withdrawal Fee (10) — charged when a particular thing happens QuickDebit Dishonour Fee (15) — charged when a particular thing happens Switch Fee (150) — charged when a particular thing happens Features published: extra repayments, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/219 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
38	BankVicSpecial Police Variable Home Loan Rateoffset	5.93% variable	5.93%	$2,975.29	$1,930 at settlement	$573,032
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Police, emergency and health workers may borrow up to 90% LVR (Loan to Value Ratio) and pay no LMI (Lenders Mortgage Insurance) for certain home loan purposes (e.g., owner-occupied property purchase), property type and location. Terms and conditions apply, refer to your BankVic lender for more information.” Fees in the figures MORTGAGE_ESTABLISHMENT_FEE — $600.00, payable at settlement MORTGAGE_ESTABLISHMENT_FEE_EXISTING_LOAN — $300.00, payable at settlement SWITCHING_LOAN_PRODUCTS — $200.00, payable at settlement PRODUCTION_OF_TITLE_FEE — $330.00, payable at settlement TOP-UP_FEE — $200.00, payable at settlement VALUATION_FEE — $300.00, payable at settlement Charged only if something happens, and not counted REPRESENTATION_FEE (99) — charged when a particular thing happens SECURITY_SUBSTITUTION_FEE (400) — charged when a particular thing happens DISCHARGE_FEE (295) — charged when a particular thing happens TITLE_SEARCH_FEE (25) — charged when a particular thing happens FINANCIAL_INSTITUTION_CHEQUE (0) — charged per transaction REDRAW (0) — charged per transaction VALUATION_FEE_-_NON_STANDARD (0) — charged on a cash advance Features published: redraw, offset. Read from https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Special_Police_Variable_Home_Loan_IC89 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
39	Newcastle PermanentReal Deal Home Loan Principal and Interestrate depends on LVR	5.94% variable	5.98%	$2,978.49	$1,020 at settlement	$573,279
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.94%, which is the rate published for a ratio of 0% to 80%. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Real Deal Special 1 available for loans $150k+, with LVR of 80% or less” Fees in the figures Title Search Fee — $75.00, payable at settlement Application Fee — $350.00, payable at settlement Establishment Fee — $595.00, payable at settlement Discharge Administration Fee — $250.00, charged on discharge Charged only if something happens, and not counted Default Administration Fee 2 (50) — charged when a payment is late Electronic Transfer Fee (30) — charged per withdrawal Conversion Fee (350) — charged if the contract is varied Document and Miscellaneous Service — charged for an enquiry Default Administration Fee 1 (35) — charged when a payment is late Settlement Financial Institution Cheque Fee (5) — charged per withdrawal Consent Fee (200) — charged when a particular thing happens Dishonour (Direct Debit and Cheque) (9) — charged when a payment is dishonoured Substitution in Security Fee (350) — charged if the contract is varied Redraw Fee via Branch (25) — charged per withdrawal International Transfer Inward (12) — charged per deposit Settlement Reschedule Fee (85) — charged when a particular thing happens A discharge fee of $250.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments. 1 thing about this lender's published data that could not be read no amount or rate could be read for the fee "Document and Miscellaneous Service", so what it costs is unknown and is not being read as nothing Read from https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
40	UpUp Home Loanoffset	5.95% variable	5.95%	$2,981.70	none at settlement	$573,411
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 90%. The lender's note on this rate: “Variable rate” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted Bank Cheque Fee (12.75) — charged when a particular thing happens Features published: extra repayments, offset, redraw. Read from https://api.up.com.au/cds-au/v1/banking/products/up-home on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
41	EasystreetSTREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED (Principal and Interest)offset	5.95% variable	6.00%	$2,981.70	$500 at settlement	$573,911
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $500.00, payable at settlement Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens SPECIAL_ATTENDANCE (300) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late DEFAULT_NOTICE_FEE (50) — charged per transaction FAILURE_TO_COMPLY_NOTICE (25) — charged when a particular thing happens RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE (500) — charged when a particular thing happens PRODUCTION_OF_DEEDS (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens MORTGAGE_DEFAULT_NOTICE_FEE (0) — charged when a particular thing happens COPY_OF_PRINT_STATEMENT_-_FEE (1.5) — charged when a particular thing happens Features published: offset, redraw, extra repayments. Read from https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-SP on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
42	Broken Hill BankChoice Home Loan	5.94% variable	5.99%	$2,978.49	$1,684 at settlement	$573,943
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. Fees in the figures Discharge of Mortgage Fee — $649.02, payable at settlement Veda credit report fee — $19.95, payable at settlement Loan Establishment Fee # — $855.00, payable at settlement Discharge of Mortgage Fee — $125.00, payable at settlement IPEX Fee - Loan Funding # — $35.00, payable at settlement Charged only if something happens, and not counted Loan Redraw Processing Fee (35) — charged per transaction Loan Establishment Fee (655) — charged when a particular thing happens Loan Establishment Fee (705) — charged when a particular thing happens Loan Contract Variation Fee (225) — charged when a particular thing happens Guarantee Security Fee (225) — charged when a particular thing happens Credit Bureau Default Listing (50) — charged when a particular thing happens Security Handling Fee (200) — charged when a particular thing happens Settlement Fee (150) — charged when a particular thing happens Debt Agreement Fee (150) — charged when a particular thing happens Features published: extra repayments, redraw. Read from https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/54 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
43	Community First Credit UnionGo Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)a floor, not a total	5.95% variable	5.99%	$2,981.70	$2,100 at settlement	$575,511 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
44	Gateway BankPremium Packagea floor, not a totaloffset	5.99% variable	6.27%	$2,994.54	none at settlement	$578,033 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Premium Package - <= 50% LVR” Fees in the figures Discharge Fee - First Security — $300.00, charged on discharge Discharge Fee - Per Additional Security — $95.00, charged on discharge Establishment Fee — $0.00, payable at settlement Legal Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Split Loan Account Fee — $0.00, payable at settlement Mortgage Registration Fee — $0.00, payable at settlement Rate Lock Fee — $0.00, payable at settlement Early Repayment Adjustment (ERA)(break costs) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures Annual Package Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Valuation Fee (0) — charged when a particular thing happens Top Up Fee (0) — charged per transaction Switch Fee (150) — charged when a particular thing happens Security Variation Fee (0) — charged when a particular thing happens A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, offset, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/125 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
44	MOVE BankEveryday Home Loan	5.99% variable	not published	$2,994.54	none at settlement	$578,033
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Charged only if something happens, and not counted Default Notice Fee (50) — charged when a particular thing happens Features published: extra repayments, redraw. Read from https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/3b68aefd-3bd6-4674-940a-137fb97563bb on 19 September 2026.
44	NORTHERN INLAND CREDIT UNION LTD.Dream Home Loan New Borrowinga floor, not a totaloffset	5.99% variable	6.33%	$2,994.54	none at settlement	$578,033 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Comparison Rate is calculated on a loan amount of $300,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures MORTGAGE_ANNUAL_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ALTERNATE_SECURITY_MORTGAGE (300) — charged when a particular thing happens DISCHARGE_MORTGAGE (300) — charged when a particular thing happens FINAL_SEARCH (0) — charged on a cash advance LATE_REPAYMENT_FEE (15) — charged when a particular thing happens MORTGAGE_CANCELLATION_FEE (150) — charged when a particular thing happens REGISTRATION_WITH_LRS (0) — charged on a cash advance STAFF_TRANSFER (10) — charged when a particular thing happens MORTGAGE_VALUATION (275) — charged on a cash advance PEXA_ELCTRONIC_SETTLEMENT_AGENCY — charged on a cash advance Features published: extra repayments, redraw, offset. 4 things about this lender's published data that could not be read no amount or rate could be read for the fee "PEXA_ELCTRONIC_SETTLEMENT_AGENCY", so what it costs is unknown and is not being read as nothing the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 98; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33_NBO on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
47	Queensland Country BankHome Loan-Packagea floor, not a totaloffsetrate depends on LVR	5.99% variable	6.00%	$2,994.54	$50 at settlement	$578,083 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.99%, which is the rate published for a ratio of 0% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.19% — it is published for a loan to value ratio of 80% to 95% The lender's note on this rate: “Special Variable Package Rate (<80%) P&I. Not available for restructure of existing Queensland Country loan facilities. May be withdrawn at any time before a loan contract is entered into. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.” Fees in the figures Val Fee - PropertyHub — $50.00, payable at settlement Fees this could not price, and which are NOT in the figures Package Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Lenders Mortgage Insurance — something the standard has no type for Mortgage Settlement Fee (450) — charged when a particular thing happens In Branch Redraw Fee (8) — charged when a particular thing happens Online Redraw Fee (0) — charged when a particular thing happens Other Credit Fees — something the standard has no type for Arrears Letter Fee - Second Arrears Letter (40) — charged when a particular thing happens Arrears Letter Fee - Default Notice prior to Enforcement (70) — charged when a particular thing happens Features published: extra repayments, offset, redraw. 3 things about this lender's published data that could not be read no amount or rate could be read for the fee "Lenders Mortgage Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Credit Fees", so what it costs is unknown and is not being read as nothing the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
48	BankWAWBack to Basics Owner Occupiedrate depends on LVR	5.99% variable	6.05%	$2,994.54	$300 at settlement	$578,333
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.99%, which is the rate published for a ratio of 1% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.79% — it is published for a loan to value ratio of 1% to 60% Fees in the figures LOAN_SUBSTITUTION_OF_PROPERTY_MORTGAGE_FEE — $300.00, payable at settlement Charged only if something happens, and not counted HOME_LOAN_APPLICATION_FEE_-_NEW_APPLICATIONS (600) — charged when a particular thing happens LOAN_DISCHARGE_FEE_____REGISTRATION_OR_SETTLEMENT (250) — charged when a particular thing happens HOME_LOAN_TOP_UP_FEE_____EXISTING_LOAN (300) — charged when a particular thing happens LOAN_REDRAW_FACILITY_FEE_ONLINE (10) — charged per transaction LOAN_REDRAW_FACILITY_FEE_OVER_COUNTER (20) — charged per transaction LOAN_VARIATION_FEE (600) — charged when a particular thing happens LOAN_LEGAL_FEES,_VALUATIONS,_SURVEYS,_AND_SETTLEMENT_FEES (0) — charged on a cash advance LOAN_VALUATION_FEE (0) — charged on a cash advance Features published: redraw, extra repayments. Read from https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
49	Gateway BankAllium Money Premiuma floor, not a totaloffset	5.99% variable	5.99%	$2,994.54	$398 at settlement	$578,431 at least
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Allium Money Premium - <= 80% LVR” Fees in the figures Split Fee — $99.00, payable at settlement Premium Annual Package Fee — $299.00, payable at settlement Fees this could not price, and which are NOT in the figures Premium Annual Package Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Cheque Withdrawal Fee (10) — charged when a particular thing happens QuickDebit Dishonour Fee (15) — charged when a particular thing happens Switch Fee (150) — charged when a particular thing happens Features published: extra repayments, offset, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/217 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
50	Border BankCustoms Value Home Loana floor, not a totaloffsetrate depends on LVR	5.99% variable	6.06%	$2,994.54	$600 at settlement	$578,633 at least
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 5.99%, which is the rate published for a ratio of 60% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.94% — it is published for a loan to value ratio of 0% to 60% 6.24% — it is published for a loan to value ratio of 0% to 60% 6.24% — it is published for a loan to value ratio of 0% to 60% 5.84% — it is published for a loan to value ratio of 0% to 60% 6.49% — it is published for a loan to value ratio of 0% to 60% 6.34% — it is published for a loan to value ratio of 90% to 95% 6.34% — it is published for a loan to value ratio of 90% to 95% 6.34% — it is published for a loan to value ratio of 90% to 95% 6.24% — it is published for a loan to value ratio of 90% to 95% 6.69% — it is published for a loan to value ratio of 90% to 95% Published maximum loan to value ratio: 95%. The lender's note on this rate: “Owner Occupied P&I LVR 60%-90% C14” Fees in the figures Mortgage Discharge Fee — $294.00, charged on discharge Establishment fee — $600.00, payable at settlement Fees this could not price, and which are NOT in the figures Monthly Product Split Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Statement Fee — something the standard has no type for Excess Valuation Fee — charged when a particular thing happens Arrears Letter Fee (6.5) — charged when a particular thing happens Insurance — charged when a particular thing happens Stamp Duty — charged when a particular thing happens Independent Legal Advice/Interpreter Service — charged when a particular thing happens Consent to Subdivision Fee (162) — charged when a particular thing happens PPSR Fees (Personal Properties Security Register) — something the standard has no type for Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured Pest & Building Inspections Fees — charged when a particular thing happens Bridging Home Loan Establishment Fee (880) — charged when a particular thing happens Other Legal/ Solicitors Fees — charged when a particular thing happens Second Mortgage Consent Fee (75) — charged when a particular thing happens Default Notice Fee (21.5) — charged when a particular thing happens Substituting of Security Legal fee (605) — charged when a particular thing happens Legal/Securities fees — charged when a particular thing happens Substituting Securities fee (315) — charged when a particular thing happens Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens Production of Title Fee (110) — charged when a particular thing happens Other Government Duties & Taxes — charged when a particular thing happens RTGS Transfer Fee (10.5) — charged when a particular thing happens Third Party Costs — charged when a particular thing happens Early Repayment Fee — something the standard has no type for General Consent Fee (250) — charged when a particular thing happens Additional Valuation Fee — charged when a particular thing happens Late Payment Fee (10) — charged when a payment is late Stamp Duty Increase Fee — charged when a particular thing happens Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens Fixed Rate Lock Fee (600) — charged when a particular thing happens A discharge fee of $294.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, offset, extra repayments. 16 things about this lender's published data that could not be read no amount or rate could be read for the fee "Additional Statement Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Excess Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Independent Legal Advice/Interpreter Service", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PPSR Fees (Personal Properties Security Register)", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Issue of Statutory Default Notice Legal Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Pest & Building Inspections Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Legal/ Solicitors Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal/Securities fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Government Duties & Taxes", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Early Repayment Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Additional Valuation Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Stamp Duty Increase Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.

244 further products cost more than every row above. Show all 294.

About this comparison

Easystreet STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest) costs the least over the window, but UNITY BANK Essential Worker Home Loan - Owner Occupier has repaid $1.85 more of the loan by the end of it. The ordering is by the cost of the credit and does not credit an option for that, so which of the two is the better outcome is a judgement rather than an arithmetic result.

Two or more options cost the same on these figures. Where ranks are shared the order between them is not a ranking.

174 of these products publish an offset account. Nothing on this page models one: it would depend on the balance you keep in it, this page does not ask, and a saving computed from a balance nobody stated would be a number about an imagined household. An offset would reduce the interest on the products marked as having one and on none of the others.

Fixed rates, which are not in the ranking above

The rate on 177 products here is fixed for less than the 30 years you asked about, and what the loan reverts to afterwards is the lender's own standard variable rate — a different product, which is not in this dataset. A total over 30 years computed at a rate that lasts one or two of them would be the rest of the term at a number nobody published, and it would rank first, because a fixed rate is usually the lowest one on a lender's sheet. So these are shown at what they cost while the rate is fixed, in order of rate rather than in order of cost.

Lender and product	Rate	Fixed for	Comparison rate	Monthly	Cost while fixed
Community First Credit UnionGO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	5.85%	3 years	5.98%	$2,949.70	$88,186 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-3YRF-LVR80_SPECIAL on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Credit Union SA3-Year Fixed Home Loan Package Principal and Interesta floor, not a total	5.99%	3 years	6.57%	$2,994.54	$88,189 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 97%. Fees in the figures Application fee — $0.00, payable at settlement Settlement fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Annual fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Increase an existing home loan package (0) — charged when a particular thing happens Split Loan Fee (150) — charged when a particular thing happens Split Loan Fee (100) — charged when a particular thing happens Guarantor Application Fee (200) — charged when a particular thing happens Rate Lock Fee (600) — charged when a particular thing happens Features published: redraw, guarantor, extra repayments. Read from https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F3 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
NORTHERN INLAND CREDIT UNION LTD.Value Fixed Home Loan 12Ma floor, not a total	5.99%	1 year	5.87%	$2,994.54	$29,783 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures LOAN_MONTHLY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ALTERNATE_SECURITY_MORTGAGE (300) — charged when a particular thing happens DISCHARGE_MORTGAGE (300) — charged when a particular thing happens EARLY_PAYOUT_FIXED_RATE (300) — charged when a particular thing happens FINAL_SEARCH (0) — charged on a cash advance LATE_REPAYMENT_FEE (15) — charged when a particular thing happens MORTGAGE_CANCELLATION_FEE (150) — charged when a particular thing happens RATE_LOCK (750) — charged when a particular thing happens REGISTRATION_WITH_LRS (0) — charged on a cash advance STAFF_TRANSFER (10) — charged when a particular thing happens PEXA_ELCTRONIC_SETTLEMENT_AGENCY — charged on a cash advance MORTGAGE_VALUATION (275) — charged on a cash advance Features published: extra repayments, redraw. 4 things about this lender's published data that could not be read no amount or rate could be read for the fee "PEXA_ELCTRONIC_SETTLEMENT_AGENCY", so what it costs is unknown and is not being read as nothing the MAX_LVR constraint is given as 80; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred the MAX_LVR constraint is given as 98; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL5F_12M on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing.
SummerlandFixed Rate Loana floor, not a total	5.99%	3 years	6.48%	$2,994.54	$90,289 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Owner occupier, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the break.” Fees in the figures Establishment Fee — $300.00, payable at settlement Loan Increase Fee — $300.00, payable at settlement Valuation Fee — $300.00, payable at settlement Legal Fee — $200.00, payable at settlement Guarantee Establishment Fee — $200.00, payable at settlement Valuation Fee - Construction — $800.00, payable at settlement Fees this could not price, and which are NOT in the figures Loan Administration Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Redraw fee - Assisted (25) — charged per transaction Redraw Fee - Electronic (0) — charged per transaction Contract Variation/Consent Fee (300) — charged when a particular thing happens Mortgage Discharge Fee (250) — charged per transaction QuickDebit Dishonour Fee (15) — charged when a particular thing happens Features published: extra repayments, guarantor, redraw. Read from https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/79 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Community First Credit UnionBOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	6.09%	3 years	6.47%	$3,026.75	$91,192 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) BOOST_PACKAGE_ANNUAL_FEE_-_THE_ANNUAL_FEE_CHARGED_ON_THE_BOOST_PACKAGE_HOME_LOAN (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-3YRF-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Credit Union SA2-Year Fixed Home Loan Package Principal and Interesta floor, not a total	6.09%	2 years	6.62%	$3,026.75	$60,189 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 97%. Fees in the figures Application fee — $0.00, payable at settlement Settlement fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Annual fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Increase an existing home loan package (0) — charged when a particular thing happens Split Loan Fee (150) — charged when a particular thing happens Split Loan Fee (100) — charged when a particular thing happens Guarantor Application Fee (200) — charged when a particular thing happens Rate Lock Fee (600) — charged when a particular thing happens Features published: redraw, guarantor, extra repayments. Read from https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F2 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
HORIZON BANK3 Year Fixed Home Loana floor, not a totaloffsetrate depends on LVR	6.09%	3 years	6.59%	$3,026.75	$90,042 over 3 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.09%, which is the rate published for a ratio of 70.01% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.94% — it is published for a loan to value ratio of 0.01% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures 350_ESTABLISHMENT_FEE — $350.00, payable at settlement Fees this could not price, and which are NOT in the figures 150_OFFSET_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance Features published: offset, redraw, extra repayments. Read from https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L42_HomeLoan_Fixed3Y on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
POLICE CREDIT UNION LIMITED1 Year Fixed Rate Home Loan 95% LVR - First Home Buyerrate depends on LVR	6.09%	1 year	6.96%	$3,026.75	$31,028 over 1 year
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.09%, which is the rate published for a ratio of 0.00% to 95%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_1YR_FRHL_MAX_95_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Regional Australia BankRegional Australia Bank Home Loan (Fixed Owner Occupied)a floor, not a totalrate depends on LVR	6.09%	3 years	6.08%	$3,026.75	$90,117 over 3 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.09%, which is the rate published for a ratio of 70% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.20% — it is published for a loan to value ratio of 60% to 70% 6.95% — it is published for a loan to value ratio of 90% to 95% 6.97% — it is published for a loan to value ratio of 90% to 95% 6.20% — it is published for a loan to value ratio of 0% to 60% 6.22% — it is published for a loan to value ratio of 0% to 60% 5.99% — it is published for a loan to value ratio of 0% to 60% 6.39% — it is published for a loan to value ratio of 0% to 60% 6.39% — it is published for a loan to value ratio of 60% to 70% 6.52% — it is published for a loan to value ratio of 0% to 60% 6.52% — it is published for a loan to value ratio of 60% to 70% 6.97% — it is published for a loan to value ratio of 90% to 95% 6.22% — it is published for a loan to value ratio of 60% to 70% 7.22% — it is published for a loan to value ratio of 90% to 95% 7.09% — it is published for a loan to value ratio of 90% to 95% 6.09% — it is published for a loan to value ratio of 60% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property. Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.” Fees in the figures Loan Restructure Fee — $200.00, payable at settlement Break Cost Fee — $0.00, charged on discharge Approval Fee — $0.00, payable at settlement Settlement Fee — $225.00, payable at settlement Fees this could not price, and which are NOT in the figures Title Search Registration of Transfer Registration of Discharge of Mortgage Agency Settlement/Handing Fee Property Valuation Costs PEXA Processing Fee Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Monthly Service Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) Registration of Mortgage The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Late Payment Notice Fee (20) — charged when a particular thing happens Loan Top Up Fee (195) — charged when a particular thing happens Discharge of Mortgage Preparation (395) — charged when a particular thing happens Default Notice Fee (30) — charged when a particular thing happens Features published: guarantor. 7 things about this lender's published data that could not be read no amount or rate could be read for the fee "Title Search", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration of Transfer", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration of Discharge of Mortgage", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Agency Settlement/Handing Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Valuation Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "PEXA Processing Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration of Mortgage", so what it costs is unknown and is not being read as nothing Read from https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/f4968da6-55cc-4b5e-9ef7-4ca5a276001f on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
HORIZON BANK2 Year Fixed Home Loana floor, not a totaloffsetrate depends on LVR	6.14%	2 years	6.64%	$3,042.90	$61,039 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.14%, which is the rate published for a ratio of 70.01% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 5.99% — it is published for a loan to value ratio of 0.01% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures 350_ESTABLISHMENT_FEE — $350.00, payable at settlement Fees this could not price, and which are NOT in the figures 150_OFFSET_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance Features published: offset, redraw, extra repayments. Read from https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L41_HomeLoan_Fixed2Y on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
UNITY BANKFixed Rate Home Loan - Owner Occupier - P&I - 36 mths	6.15%	3 years	6.23%	$3,046.14	$91,694 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) — $500.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) — $400.00, payable at settlement LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge SECURITY_GUARANTOR_FEE — $200.00, payable at settlement Charged only if something happens, and not counted FIXED_RATE_LOCK_FEE (500) — charged when a particular thing happens LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO36 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Cairns BankPLUS HOME LOAN FIXED 1YR <60 LVR PIa floor, not a totaloffset	6.19%	1 year	6.26%	$3,059.10	$30,784 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ARREARS_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) PACKAGE_FEE-PACKAGE_LOAN_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens BANK_CHEQUE_FEE (12) — charged when a particular thing happens CORPORATE_CHEQUE (10) — charged when a particular thing happens DISCHARGE_PREPARATION_FEE (60) — charged when a particular thing happens DISCHARGE_SETTLEMENT_FEE (100) — charged when a particular thing happens SUBSEQUENT_DEALING_FEE (200) — charged when a particular thing happens VARIATION_OF_LOAN_CONTRACT_FEE (200) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_60 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Community First Credit UnionBOOST PACKAGE HOME LOAN - 2 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	6.19%	2 years	6.48%	$3,059.10	$62,690 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) BOOST_PACKAGE_ANNUAL_FEE_-_THE_ANNUAL_FEE_CHARGED_ON_THE_BOOST_PACKAGE_HOME_LOAN (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-2YRF-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Community First Credit UnionGO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	6.19%	3 years	6.07%	$3,059.10	$93,295 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-3YRF-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Dnister BankPremier HL Fixed Interest Rateoffset	6.19%	2 years	6.56%	$3,059.10	$62,055 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Owner Occupier Rate - 2 years” Fees in the figures Company Search — $50.00, payable at settlement Title Search — $49.50, payable at settlement Bank Production — $150.00, payable at settlement Withdrawal of Caveat — $100.00, payable at settlement ASIC Lodgement — $50.00, payable at settlement Bank Cheque — $15.00, payable at settlement Discharge of Mortgage — $200.00, payable at settlement Loan Establishment Fee — $250.00, payable at settlement Charged only if something happens, and not counted Redraw Fee (25) — charged per transaction Redraw Fee (10) — charged per transaction Redraw Fee (0) — charged per transaction Features published: extra repayments, offset, redraw. Read from https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/22 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Goulburn Murray Credit Union Co-Operative LtdFixed Rate Home Loana floor, not a totaloffsetrate depends on LVR	6.19%	2 years	6.35%	$3,059.10	$61,690 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.19%, which is the rate published for a ratio of 60% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.24% — it is published for a loan to value ratio of 0% to 60% 6.19% — it is published for a loan to value ratio of 0% to 60% 6.59% — it is published for a loan to value ratio of 0% to 60% Fees in the figures LOAN_ESTABLISHMENT_FEE — $500.00, payable at settlement Fees this could not price, and which are NOT in the figures HOME_LOAN_SERVICE_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted GMCU_TITLE_SEARCH_FEE (25.3) — charged when a particular thing happens GOODS_SECURITY_AGREEMENT_PREPARATION_FEE (30) — charged when a particular thing happens LOAN_CONTRACT_VARIATION_FEE (300) — charged when a particular thing happens LOAN_DEFAULT_FEE (10) — charged when a particular thing happens LOAN_DEFAULT_FEE-_SECOND_REMINDER_LETTER (15) — charged when a particular thing happens LOAN_DEFAULT_FEE-_FINAL_NOTICE (25) — charged when a particular thing happens MORTGAGE_PREPARATION_FEE (0) — charged on a cash advance REGISTRATION_OF_MORTGAGE_FEE (0) — charged on a cash advance VALUATION_FEE (0) — charged on a cash advance DISCHARGE_OF_MORTGAGE_FEE (350) — charged when a particular thing happens LOAN_REDRAW_FEE (50) — charged per transaction STAMP_DUTIES_ON_SECURITIES (0) — charged on a cash advance RATE_LOCK_FEE (600) — charged when a particular thing happens LOAN_SECURITY_GUARANTEE_FEE (100) — charged when a particular thing happens BREAK_COST_FEE (0) — charged on a cash advance LOAN_RATE_FIXING_FEE (200) — charged when a particular thing happens LEGAL_AGENT_GOVT_COSTS (0) — charged on a cash advance TOP_UP/SPLIT_LOANS (200) — charged when a particular thing happens Features published: redraw, offset, extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Home_Loan-_Fixed_1_year_0.80_LVR_plus on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
HORIZON BANK1 Year Fixed Home Loana floor, not a totaloffsetrate depends on LVR	6.19%	1 year	6.68%	$3,059.10	$31,134 over 1 year
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.19%, which is the rate published for a ratio of 70.01% to 90%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.04% — it is published for a loan to value ratio of 0.01% to 70% Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures 350_ESTABLISHMENT_FEE — $350.00, payable at settlement Fees this could not price, and which are NOT in the figures 150_OFFSET_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance Features published: offset, redraw, extra repayments. Read from https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L40_HomeLoan_Fixed1Y on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
POLICE CREDIT UNION LIMITED1 Year Fixed Rate Home Loan 80% LVR - Owner Occupiedrate depends on LVR	6.19%	1 year	6.97%	$3,059.10	$31,529 over 1 year
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.19%, which is the rate published for a ratio of 0.00% to 80%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_1YR_FRHL_MAX_80_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
POLICE CREDIT UNION LIMITED3 Year Fixed Rate Home Loan 95% LVR - First Home Buyerrate depends on LVR	6.19%	3 years	6.83%	$3,059.10	$91,940 over 3 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.19%, which is the rate published for a ratio of 0.00% to 95%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_3YR_FRHL_MAX_95_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
POLICE CREDIT UNION LIMITED2 Year Fixed Rate Home Loan 95% LVR - First Home Buyerrate depends on LVR	6.19%	2 years	6.87%	$3,059.10	$61,935 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.19%, which is the rate published for a ratio of 0.00% to 95%. Fees in the figures HOME_PROPERTY_CREDIT_PACKAGE_FEE — $420.00, payable at settlement APPLICATION_FEE_SPLIT_LOAN — $50.00, payable at settlement APPLICATION_FEE_FURTHER_ADVANCE — $275.00, payable at settlement Charged only if something happens, and not counted BANK_CHEQUE_FEE (12) — charged per payment CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — charged on a cash advance REGISTRATION_FEE (198) — charged on a cash advance REGISTRATION_FEE_(NT) (176) — charged on a cash advance TITLE_SEARCH_(SA) (35.5) — charged on a cash advance TITLE_SEARCH_(NT) (55.78) — charged on a cash advance DOCUMENT_SEARCH (11.5) — charged on a cash advance VALUATION_FEE (205) — charged on a cash advance VALUATION_FEE_(NT) (205) — charged on a cash advance ACCOUNT_SWEEP_FEE (5) — charged per transaction CAPITAL_VALUE_SEARCH (0) — charged on a cash advance DEED_OF_PRIORITY_FEE (110) — charged when a particular thing happens DEFAULT_FEE (15) — charged when a particular thing happens DEMAND_FEE (50) — charged when a particular thing happens DISHONOUR_FEE (15) — charged when a particular thing happens DOCUMENT_HANDLING_FEE (55) — charged when a particular thing happens PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_2YR_FRHL_MAX_95_LVR on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Queensland Country BankHome Loan-Package Fixed Ratea floor, not a totaloffsetrate depends on LVR	6.19%	2 years	6.32%	$3,059.10	$61,240 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.19%, which is the rate published for a ratio of 0% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.49% — it is published for a loan to value ratio of 80% to 95% 6.49% — it is published for a loan to value ratio of 80% to 95% 6.54% — it is published for a loan to value ratio of 80% to 95% 6.39% — it is published for a loan to value ratio of 80% to 95% The lender's note on this rate: “Special 2 Year Fixed Rate Package Rate (<80%) P&I. Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Following fixed rate expiry, the loan will revert to a variable interest rate with a 2.40% discount off the Standard Variable Rate.” Fees in the figures Val Fee - PropertyHub — $50.00, payable at settlement Fees this could not price, and which are NOT in the figures Package Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Lenders Mortgage Insurance — something the standard has no type for Mortgage Settlement Fee (450) — charged when a particular thing happens In Branch Redraw Fee (8) — charged when a particular thing happens Online Redraw Fee (0) — charged when a particular thing happens Other Credit Fees — something the standard has no type for Arrears Letter Fee - Second Arrears Letter (40) — charged when a particular thing happens Arrears Letter Fee - Default Notice prior to Enforcement (70) — charged when a particular thing happens Early Repayment Fee — something the standard has no type for Rate Lock Fee (500) — charged when a particular thing happens Features published: extra repayments, offset, redraw. 4 things about this lender's published data that could not be read no amount or rate could be read for the fee "Lenders Mortgage Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Other Credit Fees", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Early Repayment Fee", so what it costs is unknown and is not being read as nothing the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/81 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
UNITY BANKFixed Rate Home Loan - Owner Occupier - P&I - 12 mths	6.20%	1 year	6.29%	$3,062.34	$31,934 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) — $500.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) — $400.00, payable at settlement LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge SECURITY_GUARANTOR_FEE — $200.00, payable at settlement Charged only if something happens, and not counted FIXED_RATE_LOCK_FEE (500) — charged when a particular thing happens LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO12 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
UNITY BANKFixed Rate Home Loan - Owner Occupier - P&I - 24 mths	6.20%	2 years	6.29%	$3,062.34	$62,390 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Comparison rate based on $150,000 loan over 25 years. 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.” Fees in the figures LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) — $500.00, payable at settlement LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) — $400.00, payable at settlement LENDERS_MORTGAGE_INSURANCE — $0.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $300.00, charged on discharge SECURITY_GUARANTOR_FEE — $200.00, payable at settlement Charged only if something happens, and not counted FIXED_RATE_LOCK_FEE (500) — charged when a particular thing happens LOAN_SWITCH_FEE (200) — charged when a particular thing happens VALUATION_FEE (0) — charged on a cash advance TITLE_SEARCH_FEE (0) — charged on a cash advance REGISTRATION_FEES (0) — charged on a cash advance STAMP_DUTY_(MORTGAGE) (0) — charged on a cash advance PEXA_SERVICE_FEE (0) — charged on a cash advance MORTGAGE_ADMINISTRATION_FEE (150) — charged when a particular thing happens CONSENT_FEE (300) — charged when a particular thing happens MORTGAGE_DISCHARGE_-_REGISTRATION_FEE (0) — charged on a cash advance MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE (0) — charged on a cash advance LATE_PAYMENT_FEE (15) — charged when a particular thing happens DEFAULT_NOTICE_FEE (50) — charged when a particular thing happens RE-DOCUMENTATION_FEE (250) — charged when a particular thing happens A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments. Read from https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO24 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Bank of QueenslandFixed Rate Home Loana floor, not a totalrate depends on LVR	6.24%	2 years	6.28%	$3,075.33	$62,091 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 0% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.54% — it is published for a loan to value ratio of 80.01% to 90% 6.59% — it is published for a loan to value ratio of 80.01% to 90% 7.04% — it is published for a loan to value ratio of 80.01% to 90% 7.04% — it is published for a loan to value ratio of 80.01% to 90% Published maximum loan to value ratio: 95%. The lender's note on this rate: “Owner Occupier, Principal & Interest, 2 years fixed discount rate - max 80% LVR” Fees in the figures Settlement Fee — $150.00, payable at settlement Construction Loan Fee — $250.00, payable at settlement Security Release Fee — $350.00, charged on discharge Fees this could not price, and which are NOT in the figures Rate Lock Fee (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount) Monthly Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Consent Fee (300) — charged if the contract is varied Break Cost Administration Fee (50) — charged when a particular thing happens Production Fee (150) — charged when a particular thing happens Default Fee (30) — charged when a payment is late Break Cost Fee — charged when a particular thing happens Substitution of Security (300) — charged if the contract is varied Government and other charges — something the standard has no type for A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments. 2 things about this lender's published data that could not be read no amount or rate could be read for the fee "Break Cost Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government and other charges", so what it costs is unknown and is not being read as nothing Read from https://api.cds.boq.com.au/cds-au/v1/banking/products/51906e88-5c03-ee11-8f6e-00224814d330 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Cairns BankPLUS HOME LOAN FIXED 1YR 60-80 LVR PIa floor, not a totaloffset	6.24%	1 year	6.31%	$3,075.33	$31,034 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ARREARS_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) PACKAGE_FEE-PACKAGE_LOAN_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens BANK_CHEQUE_FEE (12) — charged when a particular thing happens CORPORATE_CHEQUE (10) — charged when a particular thing happens DISCHARGE_PREPARATION_FEE (60) — charged when a particular thing happens DISCHARGE_SETTLEMENT_FEE (100) — charged when a particular thing happens SUBSEQUENT_DEALING_FEE (200) — charged when a particular thing happens VARIATION_OF_LOAN_CONTRACT_FEE (200) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_60_80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Cairns BankPLUS HOME LOAN FIXED 2YR <60 LVR PIa floor, not a totaloffset	6.24%	2 years	6.23%	$3,075.33	$61,691 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ARREARS_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) PACKAGE_FEE-PACKAGE_LOAN_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens BANK_CHEQUE_FEE (12) — charged when a particular thing happens CORPORATE_CHEQUE (10) — charged when a particular thing happens DISCHARGE_PREPARATION_FEE (60) — charged when a particular thing happens DISCHARGE_SETTLEMENT_FEE (100) — charged when a particular thing happens SUBSEQUENT_DEALING_FEE (200) — charged when a particular thing happens VARIATION_OF_LOAN_CONTRACT_FEE (200) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_60 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
CoastlineFixed Rate Home Loana floor, not a totalrate depends on LVR	6.24%	1 year	6.39%	$3,075.33	$32,974 over 1 year
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 60.01% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.24% — it is published for a loan to value ratio of 0% to 60% 6.49% — it is published for a loan to value ratio of 80.01% to no stated maximum 6.29% — it is published for a loan to value ratio of 0% to 60% 6.54% — it is published for a loan to value ratio of 80.01% to no stated maximum 6.34% — it is published for a loan to value ratio of 0% to 60% 6.59% — it is published for a loan to value ratio of 80.01% to no stated maximum The lender's note on this rate: “1 YEAR FIXED RATE WITH LVR > 60% TO <= 80%” Fees in the figures Loan Establishment Fee — $595.00, payable at settlement Settlement Disbursement Fee — $5.00, payable at settlement Loan Estab Fee - Owner Builder — $595.00, payable at settlement Scheduling Fee - Owner Builder — $550.00, payable at settlement Progress Draw Fee-Construction — $95.00, payable at settlement PPSR Security Interest Fee — $50.00, payable at settlement Property Search Fee — $30.00, payable at settlement Real Time Transfer/NPP Fee — $20.00, payable at settlement Fees this could not price, and which are NOT in the figures Loan Administration Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Loan Renegotiation Fee (150) — charged when a particular thing happens Loan Switching Fee (150) — charged when a particular thing happens Loan Refixing Fee (150) — charged when a particular thing happens CU Solicitor Mtg Discharge Fee (380) — charged per transaction Mortgage Discharge Fee (250) — charged per transaction Manual Arrears Transfer Fee (5) — charged when a particular thing happens Arrears Reminder Fee (5) — charged when a particular thing happens Final Notice of Demand (40) — charged when a particular thing happens Loan Redraw Fee (20) — charged per transaction Loan Redraw Fee (0) — charged per transaction Features published: extra repayments, guarantor, redraw. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 95; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/32 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Community First Credit UnionBOOST PACKAGE HOME LOAN - 1 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	6.24%	1 year	6.48%	$3,075.33	$32,534 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) BOOST_PACKAGE_ANNUAL_FEE_-_THE_ANNUAL_FEE_CHARGED_ON_THE_BOOST_PACKAGE_HOME_LOAN (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-1YRF-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Easystreet3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)offset	6.24%	3 years	6.18%	$3,075.33	$92,447 over 3 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $500.00, payable at settlement Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens SPECIAL_ATTENDANCE (300) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late DEFAULT_NOTICE_FEE (50) — charged per transaction FAILURE_TO_COMPLY_NOTICE (25) — charged when a particular thing happens RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE (500) — charged when a particular thing happens EARLY_REPAYMENT_FEE_(ERF) (0) — charged when a particular thing happens PRODUCTION_OF_DEEDS (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens MORTGAGE_DEFAULT_NOTICE_FEE (0) — charged when a particular thing happens COPY_OF_PRINT_STATEMENT_-_FEE (1.5) — charged when a particular thing happens Features published: offset, redraw, extra repayments. Read from https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES3YRF-OOPI on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Gateway BankPremium Package 1Yr Fixeda floor, not a total	6.24%	1 year	6.34%	$3,075.33	$31,034 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Premium Package - 1 Year Fixed P&I (<=75% LVR)” Fees in the figures Discharge Fee - First Security — $300.00, charged on discharge Discharge Fee - Per Additional Security — $95.00, charged on discharge Establishment Fee — $0.00, payable at settlement Legal Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Split Loan Account Fee — $0.00, payable at settlement Mortgage Registration Fee — $0.00, payable at settlement Rate Lock Fee — $0.00, payable at settlement Early Repayment Adjustment (ERA)(break costs) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures Annual Package Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Valuation Fee (0) — charged when a particular thing happens Top Up Fee (0) — charged per transaction Switch Fee (150) — charged when a particular thing happens Security Variation Fee (0) — charged when a particular thing happens A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 75; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/127 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Greater BankUltimate Packaged Home Loan - Fixed 1 Year Owner Occupieda floor, not a total	6.24%	1 year	7.85%	$3,075.33	$32,264 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Break costs Title insurance premium Annual package fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Prepayment fee — charged per payment Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: guarantor, redraw, extra repayments. 10 things about this lender's published data that could not be read no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3560 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Greater BankUltimate Packaged Home Loan - Fixed 2 Year Owner Occupieda floor, not a total	6.24%	2 years	7.71%	$3,075.33	$62,921 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Break costs Title insurance premium Annual package fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Prepayment fee — charged per payment Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: guarantor, redraw, extra repayments. 10 things about this lender's published data that could not be read no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3570 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
HeritageStandard Fixed Rate Home Loans - Owner Occupieda floor, not a totalrate depends on LVR	6.24%	2 years	8.29%	$3,075.33	$61,701 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 0% to 95%. The lender's note on this rate: “Standard 2 Year Fixed; LVR<=95%.” Fees in the figures Loan Finalisation Fee — $345.00, charged on discharge Cheque Fee — $10.00, payable at settlement Default Fee — $30.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Administration Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Paper Based Statement Fee (3) — something the standard has no type for Title Registration Fee (0) — something the standard has no type for Special Request Transaction Listing Fee (7.5) — charged when a particular thing happens Enforcement Fee (20) — charged when a particular thing happens Telegraphic Transfer fee (PEXA settlements) (35) — charged when a particular thing happens Renegotiation fee (250) — charged when a particular thing happens Substitute Security Fee (450) — charged when a particular thing happens Partial release processing fee (220) — charged when a particular thing happens Capital reduction recalculation fee (75) — charged when a particular thing happens Change of term fee (75) — charged when a particular thing happens Document/Record Search fee (12) — charged when a particular thing happens Direct Debit dishonour fee (10) — charged when a particular thing happens Redraw Administration Fee (20) — charged when a particular thing happens Consent Fee (200) — charged when a particular thing happens Production Fee (100) — charged when a particular thing happens Title Search (0) — something the standard has no type for Title search - payable to Agent/Solicitor (0) — something the standard has no type for Agent's fees (0) — something the standard has no type for Bank cheques cost payable to any Bank issuing a bank cheque for settlement on settlement of Loan. (0) — something the standard has no type for Valuer's fee may become payable to Valuation Exchange Pty Ltd if Heritage obtains a valuation for a property subject to a Security in connection with a proposed transaction (such as an application for a further advance or an application to substitute securities). (0) — something the standard has no type for Council mortgage notification fee (0) — something the standard has no type for Mortgage Dealing Fee (0) — something the standard has no type for Break fee (0) — something the standard has no type for Rate Guarantee fee (0) — something the standard has no type for QBE - lenders mortgage insurance (0) — something the standard has no type for Guarantor fee (200) — charged when a particular thing happens Trust/Company Document Examination fee (250) — charged when a particular thing happens Collateral Security Preparation fee (100) — charged when a particular thing happens Telegraphic transfer fee (30) — charged when a particular thing happens Approval request fee (0) — something the standard has no type for Partial release assessment fee (0) — something the standard has no type for A discharge fee of $375.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, redraw, guarantor. 13 things about this lender's published data that could not be read the fee "Title Registration Fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Title Search" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Title search - payable to Agent/Solicitor" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Agent's fees" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Bank cheques cost payable to any Bank issuing a bank cheque for settlement on settlement of Loan." is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Valuer's fee may become payable to Valuation Exchange Pty Ltd if Heritage obtains a valuation for a property subject to a Security in connection with a proposed transaction (such as an application for a further advance or an application to substitute securities)." is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Council mortgage notification fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Mortgage Dealing Fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Break fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Rate Guarantee fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "QBE - lenders mortgage insurance" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Approval request fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Partial release assessment fee" is published as a range from 0 to 0; the top of it is carried, because the bottom would understate what the consumer may be charged Read from https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/7ed2d768-8322-497b-9b68-510519174a4e on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
IMB Bank1 year Fixed Rate Home Loana floor, not a totalrate depends on LVR	6.24%	1 year	6.31%	$3,075.33	$32,632 over 1 year
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 1% to 95%. Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures Loan Application Fee — $449.00, payable at settlement Mortgage Processing Fee — $350.00, payable at settlement Additional Valuation Fee — $0.00, payable at settlement Split Loan Fee — $100.00, payable at settlement Additional Mortgage Processing Fee — $150.00, payable at settlement Guarantor Fee — $100.00, payable at settlement Additional Loan Application Fee/Top-up Fee — $449.00, payable at settlement Discharge Fee — $350.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Redraw Fee (free via internet and mobile banking) (50) — charged when a particular thing happens PEXA Transaction Service Fee (0) — charged when a particular thing happens Amendment Fee (150) — charged when a particular thing happens Consent Fee (300) — charged when a particular thing happens Default Fee (50) — charged when a particular thing happens Partial Discharge Processing Fee (300) — charged when a particular thing happens Portable Loan Fee (600) — charged when a particular thing happens Switching Fee (300) — charged if the contract is varied Break Costs (99999) — charged when a particular thing happens Advance Repayment Costs (99999) — charged per payment A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments, guarantor. 2 things about this lender's published data that could not be read the fee "Break Costs" is published as a range from 1 to 99999; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Advance Repayment Costs" is published as a range from 1 to 99999; the top of it is carried, because the bottom would understate what the consumer may be charged Read from https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-4 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
IMB Bank2 year Fixed Rate Home Loana floor, not a totalrate depends on LVR	6.24%	2 years	6.31%	$3,075.33	$63,289 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 1% to 95%. Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures Loan Application Fee — $449.00, payable at settlement Mortgage Processing Fee — $350.00, payable at settlement Additional Valuation Fee — $0.00, payable at settlement Split Loan Fee — $100.00, payable at settlement Additional Mortgage Processing Fee — $150.00, payable at settlement Guarantor Fee — $100.00, payable at settlement Additional Loan Application Fee/Top-up Fee — $449.00, payable at settlement Discharge Fee — $350.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Redraw Fee (free via internet and mobile banking) (50) — charged when a particular thing happens PEXA Transaction Service Fee (0) — charged when a particular thing happens Amendment Fee (150) — charged when a particular thing happens Consent Fee (300) — charged when a particular thing happens Default Fee (50) — charged when a particular thing happens Partial Discharge Processing Fee (300) — charged when a particular thing happens Portable Loan Fee (600) — charged when a particular thing happens Switching Fee (300) — charged if the contract is varied Break Costs (99999) — charged when a particular thing happens Advance Repayment Costs (99999) — charged per payment A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments, guarantor. 2 things about this lender's published data that could not be read the fee "Break Costs" is published as a range from 1 to 99999; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Advance Repayment Costs" is published as a range from 1 to 99999; the top of it is carried, because the bottom would understate what the consumer may be charged Read from https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-5 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
IMB Bank3 year Fixed Rate Home Loana floor, not a totalrate depends on LVR	6.24%	3 years	6.32%	$3,075.33	$93,545 over 3 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 1% to 95%. Published maximum loan to value ratio: 95%. The lender's note on this rate: “For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. 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.” Fees in the figures Loan Application Fee — $449.00, payable at settlement Mortgage Processing Fee — $350.00, payable at settlement Additional Valuation Fee — $0.00, payable at settlement Split Loan Fee — $100.00, payable at settlement Additional Mortgage Processing Fee — $150.00, payable at settlement Guarantor Fee — $100.00, payable at settlement Additional Loan Application Fee/Top-up Fee — $449.00, payable at settlement Discharge Fee — $350.00, charged on discharge Fees this could not price, and which are NOT in the figures Monthly Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Redraw Fee (free via internet and mobile banking) (50) — charged when a particular thing happens PEXA Transaction Service Fee (0) — charged when a particular thing happens Amendment Fee (150) — charged when a particular thing happens Consent Fee (300) — charged when a particular thing happens Default Fee (50) — charged when a particular thing happens Partial Discharge Processing Fee (300) — charged when a particular thing happens Portable Loan Fee (600) — charged when a particular thing happens Switching Fee (300) — charged if the contract is varied Break Costs (99999) — charged when a particular thing happens Advance Repayment Costs (99999) — charged per payment A discharge fee of $350.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, extra repayments, guarantor. 2 things about this lender's published data that could not be read the fee "Break Costs" is published as a range from 1 to 99999; the top of it is carried, because the bottom would understate what the consumer may be charged the fee "Advance Repayment Costs" is published as a range from 1 to 99999; the top of it is carried, because the bottom would understate what the consumer may be charged Read from https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-6 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Suncorp Bank1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offersa floor, not a totalrate depends on LVR	6.24%	2 years	6.54%	$3,075.33	$61,691 over 2 years
Where these figures come from, and what is not in them This lender's rate depends on the loan to value ratio. At 80.0% the published rate is 6.24%, which is the rate published for a ratio of 1% to 80%. Rates this lender publishes on the same product that a loan at 80.0% does not reach: 6.74% — it is published for a loan to value ratio of 80.1% to 90% 6.64% — it is published for a loan to value ratio of 80.1% to 90% 6.44% — it is published for a loan to value ratio of 80.1% to 90% 6.29% — it is published for a loan to value ratio of 80.1% to 90% Published maximum loan to value ratio: 90%. The lender's note on this rate: “2 Year Fixed Rate Term” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures Home Package Plus Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Valuation Fee (150) — charged when a particular thing happens Arrears Administration Fee (20) — charged when a particular thing happens Copy of Documents Fee (35) — charged when a particular thing happens Default Interest — charged when a particular thing happens Early Payment Interest Adjustment (EPIA) — something the standard has no type for Guarantor Fee (200) — charged when a particular thing happens Loan Finalisation Fee (350) — charged when a particular thing happens Features published: extra repayments. 1 thing about this lender's published data that could not be read no amount or rate could be read for the fee "Early Payment Interest Adjustment (EPIA)", so what it costs is unknown and is not being read as nothing Read from https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/FX150K%2B on 19 September 2026. The lender publishes the lender's page for this product, its terms.
bcuFixed P&I Home Loan	6.27%	1 year	6.26%	$3,085.09	$32,134 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. The lender's note on this rate: “Owner occupied” Fees in the figures Loan Establishment Fee — $0.00, payable at settlement Rate Lock Fee — $650.00, payable at settlement Valuation Fee — $0.00, payable at settlement Discharge of Mortgage Fee — $395.00, charged on discharge Document Preparation Fee — $300.00, payable at settlement Charged only if something happens, and not counted Statement Retrieval Fee (2.5) — charged to replace a card Fixed Home Loan Break Costs — charged if the contract is varied Legal Fee — something the standard has no type for Third Party Document Production Fee — something the standard has no type for Title Consent Fee (150) — charged when a particular thing happens Loan Contract Variation Fee (250) — charged if the contract is varied Withdrawal of Caveat Non-Settlement Fee (55) — charged when a particular thing happens Caveat Withdrawal Settlement Fee (160) — charged when a particular thing happens Loan Account Switching Fee (300) — charged if the contract is varied Fixed Rate Adjustment Costs — charged if the contract is varied Lender Mortgage Insurance — something the standard has no type for Default Notification Fee — charged when a payment is late Late Payment Notification Fee (5) — charged when a payment is late Management Administration Fee (50) — charged when a payment is late Collection Agent Administration Fee (100) — charged when a payment is late GOVT Registration of Mortgage — something the standard has no type for GOVT Discharge of Mortgage — something the standard has no type for Title Search Fee — something the standard has no type for Property Exchange Australia (PEXA) Charges — something the standard has no type for Default Interest Rate — something the standard has no type for A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, guarantor. 11 things about this lender's published data that could not be read no amount or rate could be read for the fee "Fixed Home Loan Break Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Document Production Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Fixed Rate Adjustment Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Lender Mortgage Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Default Notification Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "GOVT Registration of Mortgage", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "GOVT Discharge of Mortgage", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title Search Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) Charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Default Interest Rate", so what it costs is unknown and is not being read as nothing Read from https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/181 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
P&N BankFixed Home Loan (P&I) LVR <80	6.27%	1 year	6.32%	$3,085.09	$32,134 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “Owner occupied” Fees in the figures Loan Establishment Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Discharge of Mortgage Non-Settlement Fee — $350.00, charged on discharge Discharge of Mortgage Settlement Fee — $395.00, charged on discharge Rate Lock Fee — $650.00, payable at settlement Document Preparation Fee — $300.00, payable at settlement Charged only if something happens, and not counted Statement Retrieval Fee (2.5) — charged to replace a card Fixed Home Loan Break Costs — charged if the contract is varied Fixed Home Loan Adjustment Cost Fee — charged if the contract is varied Lenders Mortgage Insurance — something the standard has no type for Legal Fee — something the standard has no type for Third Party Document Production Fee — something the standard has no type for Title Consent Fee (150) — charged when a particular thing happens Loan Contract Variation Fee (250) — charged if the contract is varied Withdrawal of Caveat Non-Settlement Fee (55) — charged when a particular thing happens Withdrawal of Caveat Settlement Fee (160) — charged when a particular thing happens Loan Account Switching Fee (300) — charged if the contract is varied Default Notification Fee — charged when a payment is late Late Payment Notification Fee (5) — charged when a payment is late Management Administration Fee (50) — charged when a payment is late Collection Agent Administration Fee (100) — charged when a payment is late GOVT Registration of Mortgage — something the standard has no type for GOVT Discharge of Mortgage — something the standard has no type for Title Search Fee — something the standard has no type for Property Exchange Australia (PEXA) Charges — something the standard has no type for Default Interest Rate — something the standard has no type for A discharge fee of $745.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, guarantor. 11 things about this lender's published data that could not be read no amount or rate could be read for the fee "Fixed Home Loan Break Costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Fixed Home Loan Adjustment Cost Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Lenders Mortgage Insurance", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Third Party Document Production Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Default Notification Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "GOVT Registration of Mortgage", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "GOVT Discharge of Mortgage", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title Search Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) Charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Default Interest Rate", so what it costs is unknown and is not being read as nothing Read from https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/9 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Bank of ChinaFixed Rate Home Loan (With Principal and Interest Repayment)a floor, not a total	6.29%	1 year	8.34%	$3,091.61	$31,284 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 90%. The lender's note on this rate: “1 Year Fixed Rate” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures Annual Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Features published: extra repayments, redraw. Read from https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391158OPI on 19 September 2026. The lender publishes the lender's page for this product.
Cairns BankPLUS HOME LOAN FIXED 2YR 60-80 LVR PIa floor, not a totaloffset	6.29%	2 years	6.28%	$3,091.61	$62,192 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.” Fees in the figures This lender publishes no fee on this product that could be placed in a repayment schedule. Fees this could not price, and which are NOT in the figures ARREARS_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) PACKAGE_FEE-PACKAGE_LOAN_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens BANK_CHEQUE_FEE (12) — charged when a particular thing happens CORPORATE_CHEQUE (10) — charged when a particular thing happens BREAK_COST_ADMINISTRATION_FEE (400) — charged when a particular thing happens CORPORATE_CHEQUE (10) — charged when a particular thing happens DISCHARGE_PREPARATION_FEE (60) — charged when a particular thing happens DISCHARGE_SETTLEMENT_FEE (100) — charged when a particular thing happens SUBSEQUENT_DEALING_FEE (200) — charged when a particular thing happens VARIATION_OF_LOAN_CONTRACT_FEE (200) — charged when a particular thing happens Features published: redraw, offset, extra repayments. Read from https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_60_80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Community First Credit UnionGO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)a floor, not a total	6.29%	2 years	6.07%	$3,091.61	$64,292 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 80%. The lender's note on this rate: “The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. 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.” Fees in the figures HOME_LOAN_APPLICATION_FEE — $600.00, payable at settlement CONSTRUCTION_LOAN_APPLICATION_FEE — $1,500.00, payable at settlement EARLY_REPAYMENT_FEE_(ERF) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures SAFE_CUSTODY_FEE (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted LOAN_VARIATION_FEE (250) — charged when a particular thing happens LATE_PAYMENT (25) — charged when a payment is late REDRAW_FEE_-_STAFF_ASSISTED (30) — charged when a particular thing happens RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — charged when a particular thing happens SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens SEARCH_FEES (0) — charged when a particular thing happens SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens Features published: redraw, extra repayments. Read from https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-2YRF-LVR80 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Credit Union SA1-Year Fixed Home Loan Package Principal and Interesta floor, not a total	6.29%	1 year	6.66%	$3,091.61	$31,284 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 97%. Fees in the figures Application fee — $0.00, payable at settlement Settlement fee — $0.00, payable at settlement Fees this could not price, and which are NOT in the figures Annual fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Increase an existing home loan package (0) — charged when a particular thing happens Split Loan Fee (150) — charged when a particular thing happens Split Loan Fee (100) — charged when a particular thing happens Guarantor Application Fee (200) — charged when a particular thing happens Rate Lock Fee (600) — charged when a particular thing happens Features published: extra repayments, redraw, guarantor. Read from https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F1 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Gateway BankPremium Package 2Yr Fixeda floor, not a total	6.29%	2 years	6.37%	$3,091.61	$62,192 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. The lender's note on this rate: “Premium Package - 2 Year Fixed P&I (<=75% LVR)” Fees in the figures Discharge Fee - First Security — $300.00, charged on discharge Discharge Fee - Per Additional Security — $95.00, charged on discharge Establishment Fee — $0.00, payable at settlement Legal Fee — $0.00, payable at settlement Valuation Fee — $0.00, payable at settlement Split Loan Account Fee — $0.00, payable at settlement Mortgage Registration Fee — $0.00, payable at settlement Rate Lock Fee — $0.00, payable at settlement Early Repayment Adjustment (ERA)(break costs) — $0.00, charged on discharge Fees this could not price, and which are NOT in the figures Annual Package Fee (charged on a frequency of "not stated", which this reader will not read as annual or monthly — guessing either way is wrong by a factor of twelve) The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Additional Valuation Fee (0) — charged when a particular thing happens Top Up Fee (0) — charged per transaction Switch Fee (150) — charged when a particular thing happens Security Variation Fee (0) — charged when a particular thing happens A discharge fee of $395.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments. 1 thing about this lender's published data that could not be read the MAX_LVR constraint is given as 75; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred Read from https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/129 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Greater BankGreat Rate Home Loan - Fixed 1 Year Owner Occupieda floor, not a total	6.29%	1 year	7.70%	$3,091.61	$32,514 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Break costs Title insurance premium The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Prepayment fee — charged per payment Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Mercantile agents fee — charged when a particular thing happens Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, redraw, guarantor. 10 things about this lender's published data that could not be read no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3300 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Greater BankGreat Rate Home Loan - Fixed 2 Year Owner Occupieda floor, not a total	6.29%	2 years	7.55%	$3,091.61	$63,422 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Break costs Title insurance premium The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Prepayment fee — charged per payment Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, redraw, guarantor. 10 things about this lender's published data that could not be read no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3310 on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
Greater BankStandard Home Loan - Fixed 1 Year Owner Occupieda floor, not a total	6.29%	1 year	7.98%	$3,091.61	$32,514 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Break costs Title insurance premium The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Prepayment fee — charged per payment Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: extra repayments, guarantor, redraw. 10 things about this lender's published data that could not be read no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3430 on 19 September 2026. The lender publishes its fees and pricing, its terms.
Greater BankStandard Home Loan - Fixed 2 Year Owner Occupieda floor, not a total	6.29%	2 years	7.80%	$3,091.61	$63,422 over 2 years
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Published maximum loan to value ratio: 95%. Fees in the figures Additional loan / Top Up fee — $350.00, payable at settlement Discharge administration fee — $300.00, charged on discharge Establishment fee — $500.00, payable at settlement Guarantee fee — $200.00, payable at settlement Settlement processing fee — $180.00, payable at settlement Fees this could not price, and which are NOT in the figures Mortgage Insurance Premium Fee Break costs Title insurance premium The total above is therefore a floor rather than a total. Charged only if something happens, and not counted Prepayment fee — charged per payment Default Administration Fee (50) — charged when a payment is late Registration fee — charged when a particular thing happens Government charges — charged when a particular thing happens Administration fee (350) — charged if the contract is varied Property Exchange Australia (PEXA) transaction fee — charged when a particular thing happens Default notice fee (50) — charged when a payment is late Information fee - Per Page (1) — charged for an enquiry EasyPay notification fee - Letter (8) — charged per withdrawal Bank transfer fee (8) — charged per withdrawal Mercantile agents fee — charged when a particular thing happens Redraw over-the-counter fee (30) — charged per withdrawal Information fee (20) — charged for an enquiry Conversion fee - Switch to any other loan type (350) — charged if the contract is varied Law stationers fee — charged when a particular thing happens Legal fee — charged when a particular thing happens Foreign currency deposit fee (5) — charged per deposit EasyPay notification fee - SMS (0.2) — charged per withdrawal SMS alert fee (0.2) — charged per transaction A discharge fee of $300.00 is published and is not counted, because this comparison does not assume the loan ends early. Features published: redraw, guarantor, extra repayments. 10 things about this lender's published data that could not be read no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing Read from https://public.cdr.greater.com.au/cds-au/v1/banking/products/3440 on 19 September 2026. The lender publishes its fees and pricing, its terms.
MACARTHUR CREDIT UNION LTDGOVT LOW DEP 1YR FIXED OOC PI	6.29%	1 year	6.02%	$3,091.61	$32,614 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures APPLICATION_FEE — $400.00, payable at settlement APPLICATION_FEE_TOP_UP — $300.00, payable at settlement DEFAULT_NOTICES — $55.00, payable at settlement GENERAL_CONSENT_FEE — $150.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $200.00, payable at settlement PPSR_REGISTRATION_FEE — $15.00, payable at settlement PPSR_VARIATION_FEE — $10.00, payable at settlement PRODUCTION_OF_TITLE_DEED_FEE — $150.00, payable at settlement SWITCHING_FEE — $50.00, payable at settlement Charged only if something happens, and not counted COLLECTION_FEE — charged on a cash advance LEGAL_FEE — charged on a cash advance VALUATION_FEE — charged on a cash advance Features published: redraw, extra repayments. 3 things about this lender's published data that could not be read no amount or rate could be read for the fee "COLLECTION_FEE", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "LEGAL_FEE", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "VALUATION_FEE", so what it costs is unknown and is not being read as nothing Read from https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L88_GOVTLOWDEP1YRFIXEDOOCPI on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.
MACARTHUR CREDIT UNION LTDMORTGAGE 1YR FIXED OWNER OCCUPIED P&I	6.29%	1 year	7.81%	$3,091.61	$33,639 over 1 year
Where these figures come from, and what is not in them This lender publishes no loan to value tier on the rate used, so the rate does not change with the ratio. Fees in the figures APPLICATION_FEE — $400.00, payable at settlement APPLICATION_FEE_BRIDGING_LOAN — $800.00, payable at settlement APPLICATION_FEE_TOP_UP — $300.00, payable at settlement DEFAULT_NOTICES — $55.00, payable at settlement GENERAL_CONSENT_FEE — $150.00, payable at settlement MORTGAGE_DISCHARGE_FEE — $200.00, payable at settlement PRODUCTION_OF_TITLE_DEED_FEE — $150.00, payable at settlement SUBSTITUTION_OF_SECURITY_FEE — $250.00, payable at settlement SWITCHING_FEE — $50.00, payable at settlement Charged only if something happens, and not counted COLLECTION_FEE — charged on a cash advance LEGAL_FEE — charged on a cash advance VALUATION_FEE — charged on a cash advance Features published: redraw, extra repayments. 3 things about this lender's published data that could not be read no amount or rate could be read for the fee "COLLECTION_FEE", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "LEGAL_FEE", so what it costs is unknown and is not being read as nothing no amount or rate could be read for the fee "VALUATION_FEE", so what it costs is unknown and is not being read as nothing Read from https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L84_1YRFIXEDOOCPI on 19 September 2026. The lender publishes the lender's page for this product, its fees and pricing, its terms.

Showing the 50 lowest fixed rates of 177 products. Show all 177.

889 products not compared, and why

Every one of these is a product a lender publishes under residential mortgages and this could not put a figure on for the loan you asked about. They are listed rather than dropped, because a comparison that quietly loses the products that did not fit is a comparison nobody can check.

Read the 50 reasons of 889

AMP Bank GO — AMP Bank GO Save
"AMP Bank GO Save" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TRANS_AND_SAVINGS_ACCOUNTS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; this product publishes no lending rates at all and 4 deposit rates, under the category TRANS_AND_SAVINGS_ACCOUNTS. A product with deposit rates and no lending rates is a deposit product, so either the category or the rates are wrong. Nothing here decides which; it is not costed as a loan. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO 6 Month Term Deposit
"AMP Bank GO 6 Month Term Deposit" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TERM_DEPOSITS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; this product publishes no lending rates at all and 1 deposit rate, under the category TERM_DEPOSITS. A product with deposit rates and no lending rates is a deposit product, so either the category or the rates are wrong. Nothing here decides which; it is not costed as a loan. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO 6 Month Business Term Deposit
"AMP Bank GO 6 Month Business Term Deposit" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO 12 Month Term Deposit
"AMP Bank GO 12 Month Term Deposit" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TERM_DEPOSITS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; this product publishes no lending rates at all and 1 deposit rate, under the category TERM_DEPOSITS. A product with deposit rates and no lending rates is a deposit product, so either the category or the rates are wrong. Nothing here decides which; it is not costed as a loan. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO 12 Month Business Term Deposit
"AMP Bank GO 12 Month Business Term Deposit" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO Business Save
"AMP Bank GO Business Save" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO Joint Everyday Account
"AMP Bank GO Joint Everyday Account" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TRANS_AND_SAVINGS_ACCOUNTS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here. It is kept out of the comparison rather than ranked on figures nobody has.
AMP Bank GO — AMP Bank GO Everyday Business Account
"AMP Bank GO Everyday Business Account" is not open to the public: only a business may hold it. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have. The lender publishes the criteria, so anybody who does meet them can ask for it by name.
AMP Bank GO — AMP Bank GO Everyday Account
"AMP Bank GO Everyday Account" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was returned in answer to a request for RESIDENTIAL_MORTGAGES and is published as TRANS_AND_SAVINGS_ACCOUNTS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Variable Interest Only Owner Occupied
"Great Rate Home Loan - Variable Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Discounted Great Rate Home Loan - Variable Interest Only Owner Occupied
"Discounted Great Rate Home Loan - Variable Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 1 Year Interest Only Owner Occupied
"Great Rate Home Loan - Fixed 1 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 2 Year Interest Only Owner Occupied
"Great Rate Home Loan - Fixed 2 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 3 Year Interest Only Owner Occupied
"Great Rate Home Loan - Fixed 3 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 4 Year Interest Only Owner Occupied
"Great Rate Home Loan - Fixed 4 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 5 Year Interest Only Owner Occupied
"Great Rate Home Loan - Fixed 5 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Variable Investment
"Great Rate Home Loan - Variable Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Discounted Great Rate Home Loan - Variable Investment
"Discounted Great Rate Home Loan - Variable Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Variable Interest Only Investment
"Great Rate Home Loan - Variable Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Discounted Great Rate Home Loan - Variable Interest Only Investment
"Discounted Great Rate Home Loan - Variable Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 1 Year Investment
"Great Rate Home Loan - Fixed 1 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 1 Year Interest Only Investment
"Great Rate Home Loan - Fixed 1 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 2 Year Investment
"Great Rate Home Loan - Fixed 2 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 2 Year Interest Only Investment
"Great Rate Home Loan - Fixed 2 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 3 Year Investment
"Great Rate Home Loan - Fixed 3 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 3 Year Interest Only Investment
"Great Rate Home Loan - Fixed 3 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 4 Year Investment
"Great Rate Home Loan - Fixed 4 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 4 Year Interest Only Investment
"Great Rate Home Loan - Fixed 4 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 5 Year Investment
"Great Rate Home Loan - Fixed 5 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Great Rate Home Loan - Fixed 5 Year Interest Only Investment
"Great Rate Home Loan - Fixed 5 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Variable Interest Only Owner Occupied
"Standard Home Loan - Variable Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 1 Year Interest Only Owner Occupied
"Standard Home Loan - Fixed 1 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 2 Year Interest Only Owner Occupied
"Standard Home Loan - Fixed 2 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 3 Year Interest Only Owner Occupied
"Standard Home Loan - Fixed 3 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 4 Year Interest Only Owner Occupied
"Standard Home Loan - Fixed 4 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 5 Year Interest Only Owner Occupied
"Standard Home Loan - Fixed 5 Year Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Variable Investment
"Standard Home Loan - Variable Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Variable Interest Only Investment
"Standard Home Loan - Variable Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 1 Year Investment
"Standard Home Loan - Fixed 1 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 1 Year Interest Only Investment
"Standard Home Loan - Fixed 1 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 2 Year Investment
"Standard Home Loan - Fixed 2 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 2 Year Interest Only Investment
"Standard Home Loan - Fixed 2 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 3 Year Investment
"Standard Home Loan - Fixed 3 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 3 Year Interest Only Investment
"Standard Home Loan - Fixed 3 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 4 Year Investment
"Standard Home Loan - Fixed 4 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 4 Year Interest Only Investment
"Standard Home Loan - Fixed 4 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 5 Year Investment
"Standard Home Loan - Fixed 5 Year Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Standard Home Loan - Fixed 5 Year Interest Only Investment
"Standard Home Loan - Fixed 5 Year Interest Only Investment" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Prepayment fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Break costs", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Ultimate Packaged Home Loan - Variable Interest Only Owner Occupied
"Ultimate Packaged Home Loan - Variable Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.
Greater Bank — Discounted Ultimate Packaged Home Loan - Variable Interest Only Owner Occupied
"Discounted Ultimate Packaged Home Loan - Variable Interest Only Owner Occupied" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no amount or rate could be read for the fee "Progress inspection fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Registration fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mortgage Insurance Premium Fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Government charges", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Property Exchange Australia (PEXA) transaction fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Title insurance premium", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Mercantile agents fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Law stationers fee", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee "Legal fee", so what it costs is unknown and is not being read as nothing. It is kept out of the comparison rather than ranked on figures nobody has.

839 further reasons not shown. Show all 889.

What is not in these figures

Most of the market. 93 banks are read here — AMP Bank GO, My State PM Production, Greater Bank, Arab Bank Australia Ltd Prod, NORTHERN INLAND CREDIT UNION LTD., ME Bank, Police Bank, Border Bank, Westpac, NAB, ANZ, CommBank, Regional Australia Bank, ING, Lending and bank accounts, both associated with BSB number 939 200, Community First Credit Union, Bankwest, FIRST OPTION BANK, Beyond Bank Australia, Cairns Bank, Teachers Mutual Bank, IMB Bank, Suncorp Bank, SCCU, Bank of Sydney, AMB Bank Product, Bank First Production, Up, Broken Hill Bank, Bendigo Bank, Defence Bank Limited, Summerland, Dnister Bank, Queensland Country Bank, CENTRAL MURRAY CREDIT UNION LIMITED, P&N Bank, bcu, Credit Union SA, Gateway Bank, Qudos Bank, Fire Service Credit Union, MOVE Bank, St. George Bank, BankSA, Bank of Melbourne, A-Auswide Bank, UniBank, Firefighters Mutual Bank, Health Professionals Bank, Bank Australia, Judo Bank, Macquarie, ubank, Goulburn Murray Credit Union Co-Operative Ltd, LCU, Coastline, UNITY BANK, THE CAPRICORNIAN, BankVic, South West Slopes Credit Union Ltd trading as SWSbank, POLICE CREDIT UNION LIMITED, ORANGE CREDIT UNION LTD, MACARTHUR CREDIT UNION LTD, WOOLWORTHS TEAM BANK, People First Bank, Heritage, Easystreet, The Mutual Bank, Great Southern Bank, QBANK, HORIZON BANK, BankWAW, WARWICK CREDIT UNION, Bank of us, TRANSPORT MUTUAL CREDIT UNION LTD, Australian Mutual Bank, Bank of Queensland, BOQ Specialist, RACQ Bank, Virgin Money Australia, Bank of China, ANZ Plus, Unloan Prod, CENTRAL WEST CREDIT UNION LTD, Newcastle Permanent, BNK Bank (Goldfields Money/BCHL), Aussie Home Loans, AFG Home Loans Alpha, Connective Select Home Loans, NRMA Insurance, Qantas Money, Tiimely, Liberty Financial — out of 117 banking brands on the Consumer Data Right register when it was counted on 19 September 2026. A credit union, a mutual or a non-bank lender that is not on that list is not here, and neither is any lender whose data could not be read.

Anything negotiated, and it is not a small thing. A published rate is not the rate a lender gives. The ACCC measured an average discount of about 128 basis points off the advertised rate at the big four banks, on criteria no lender publishes — which on a $500,000 loan is larger than the gap between most of the rows below. It is an average across a market and not a promise to anybody, and it cuts both ways: a rate you are already paying may carry a discount that appears in no table, and a rate here may be beaten by asking. Nor is a package discount conditional on holding other accounts here, or an offer made to keep a customer who threatened to leave, or a rate that depends on a valuation this page has not seen.

Lenders’ mortgage insurance. Above 80% of the property's value most lenders charge it, it runs to thousands of dollars, it is not in the Consumer Data Right product data, and it is not in any figure on this page.

What a fixed rate reverts to. A lender publishes the fixed rate and not the rate the loan falls back to when the fixed period ends, so no total here runs past a fixed period.

Whether anybody would lend you this. These are published prices. Whether a lender would approve a particular person for a particular loan is a credit decision, and nothing here has a view on it.

Fees no reader could price. Where a lender publishes a fee this could not turn into an amount — a charge set as a rate, or one on a billing cycle it did not state — the fee is named on the row and left out of the total, and the total is marked as a floor. It is not counted as nought, because nought would make the lender who discloses least look cheapest. On this loan that applies to 280 products of the 471 costed.

Creditcrest Compare

294 products ranked by cost over 30 years

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

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2 things about this lender's published data that could not be read

Fees in the figures

Charged only if something happens, and not counted

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Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

16 things about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

16 things about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

9 things about this lender's published data that could not be read

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees in the figures

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

4 things about this lender's published data that could not be read

Fees in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

1 thing about this lender's published data that could not be read

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Charged only if something happens, and not counted

Fees in the figures

Fees this could not price, and which are NOT in the figures

Charged only if something happens, and not counted