{ "version": "1.0.0", "not_advice": "A comparison of published figures. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and holds no Australian credit licence. Nothing here is a recommendation and nothing here is personal financial advice.", "query": { "amount": 500000, "value": 625000, "years": 30, "purpose": "OWNER_OCCUPIED", "repayment": "PRINCIPAL_AND_INTEREST", "interestOnlyYears": 0, "lvr": 0.8, "deposit": 125000, "showAll": false }, "as_at": "2026-09-26T17:09:50.328Z", "figures": { "source": "Consumer Data Right Product Reference Data", "standards": "Consumer Data Standards (Australia), banking Product Reference Data, standards version 1.36.0 as at September 2026. Get Products is endpoint version 5, returning BankingProductV6; Get Product Detail is endpoint version 7, returning BankingProductDetailV7. Both have an obligation date of 13 July 2026.", "retrieved_at": "2026-09-19T16:10:55.791Z", "age_days": 7, "brands": [ "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" ], "brands_on_the_register": 117, "products_read": 1360 }, "ordered_by": "Cost of the credit over the window — interest, plus fees, less quantifiable promotions — computed from the figures supplied. Nothing else was ranked.", "ranked": [ { "rank": 1, "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)", "product_id": "L22-ESSMVR-OOPI-SP500SEP26", "rate": 0.0579, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.058, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2930.58, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 555010.65, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-SP500SEP26" }, { "rank": 1, "lender": "The Mutual Bank", "product": "Budget Home Loan", "product_id": "Budget_Home_Loan", "rate": 0.0579, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0579, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2930.58, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 555010.65, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Budget_Home_Loan" }, { "rank": 3, "lender": "UNITY BANK", "product": "Essential Worker Home Loan - Owner Occupier", "product_id": "L35_EW_OCC_PRIN", "rate": 0.058, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0585, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2933.77, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 556752.55, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L35_EW_OCC_PRIN" }, { "rank": 4, "lender": "Border Bank", "product": "First Home Loan", "product_id": "c4ec4d46-4ce3-46a2-9612-4590cfc5a4fd", "rate": 0.0584, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0591, "lvr_band_applied": { "from": 0.8, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2946.51, "fees": { "upfront": 685.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 561432.7, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/c4ec4d46-4ce3-46a2-9612-4590cfc5a4fd" }, { "rank": 4, "lender": "Police Bank", "product": "First Home Loan", "product_id": "b658de52-9d9f-496f-8564-14d66798fefb", "rate": 0.0584, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0591, "lvr_band_applied": { "from": 0.8, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2946.51, "fees": { "upfront": 685.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 561432.7, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/b658de52-9d9f-496f-8564-14d66798fefb" }, { "rank": 6, "lender": "Virgin Money Australia", "product": "Virgin Money Lite Home Loan", "product_id": "5bc12280-2272-ee11-8179-6045bd3d38f0", "rate": 0.0584, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0586, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0764, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0584, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0845, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0584, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0777, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0777, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0764, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0845, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 2946.51, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 561647.2, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/5bc12280-2272-ee11-8179-6045bd3d38f0" }, { "rank": 7, "lender": "Gateway Bank", "product": "Green Plus Home Loan", "product_id": "173", "rate": 0.0585, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2949.7, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 561896.56, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/173" }, { "rank": 8, "lender": "Greater Bank", "product": "Discounted Great Rate Home Loan - Variable Owner Occupied", "product_id": "3285", "rate": 0.0584, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0585, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2946.51, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 561977.2, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285" }, { "rank": 9, "lender": "Summerland", "product": "ECO Home Loan", "product_id": "80", "rate": 0.0584, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.059, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2946.51, "fees": { "upfront": 1725, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 562472.2, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/80" }, { "rank": 10, "lender": "Community First Credit Union", "product": "Core Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest)", "product_id": "CR-OOPI-LVR80_Special", "rate": 0.0585, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.059, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2949.7, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 563996.56, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CR-OOPI-LVR80_Special" }, { "rank": 10, "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Owner-occupied LVR 80% Special (Principal and Interest)", "product_id": "GB-OOPI-LVR80_Special", "rate": 0.0585, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.059, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2949.7, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 563996.56, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80_Special" }, { "rank": 12, "lender": "Bank Australia", "product": "Clean Energy Home Loan", "product_id": "a4d8b0f1-7691-4bc2-ba8a-216a787681a9", "rate": 0.0588, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0621, "lvr_band_applied": { "from": 0, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2959.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 565341.25, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a4d8b0f1-7691-4bc2-ba8a-216a787681a9" }, { "rank": 13, "lender": "HORIZON BANK", "product": "First Home Buyer Loan", "product_id": "L12_FirstHomeBuyer", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0589, "lvr_band_applied": { "from": 0.7001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0574, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.01% to 70%" } ], "monthly_repayment": 2962.48, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 566496.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L12_FirstHomeBuyer" }, { "rank": 13, "lender": "Unloan Prod", "product": "Unloan Home Loan", "product_id": "8250def8-24f4-411c-80a5-e71f54cf5823", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.058, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 2962.48, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 566496.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823" }, { "rank": 15, "lender": "Bendigo Bank", "product": "Bendigo Express Home Loan", "product_id": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0602, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 250, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 566746.63, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5" }, { "rank": 16, "lender": "Gateway Bank", "product": "Low Rate Essentials", "product_id": "99", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0591, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 275, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 566771.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99" }, { "rank": 17, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "REFI SPECIAL OWNER OCCUPIED", "product_id": "L79_REFI_SPECIAL_OO", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0599, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 566891.63, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_REFI_SPECIAL_OO" }, { "rank": 17, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "2 FIXED RATE HOME LOAN", "product_id": "L68_2_YEAR_FIXED_HOME_LOAN_OO", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 566891.63, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L68_2_YEAR_FIXED_HOME_LOAN_OO" }, { "rank": 17, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "1 YEAR FIXED RATE LOAN", "product_id": "L68_1_YEAR_FIXED_RATE_HOME_LOAN_OO", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 566891.63, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L68_1_YEAR_FIXED_RATE_HOME_LOAN_OO" }, { "rank": 20, "lender": "Fire Service Credit Union", "product": "L25 Firefighter Package", "product_id": "21", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0617, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 566946.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/21" }, { "rank": 21, "lender": "POLICE CREDIT UNION LIMITED", "product": "Low Rate Home Loan Special Offer - Owner Occupied", "product_id": "OO_LRHL_SPEC_OFF_MAX_80_LVR", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0593, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 567241.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_LRHL_SPEC_OFF_MAX_80_LVR" }, { "rank": 21, "lender": "POLICE CREDIT UNION LIMITED", "product": "Low Rate Home Loan - First Home Buyer", "product_id": "FHB_LRHL_MAX_95_LVR", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0593, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 567241.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_LRHL_MAX_95_LVR" }, { "rank": 21, "lender": "POLICE CREDIT UNION LIMITED", "product": "Low Rate Home Loan - Owner Occupied", "product_id": "OO_LRHL_MAX_80_LVR_200K_MIN", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0595, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 567241.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_LRHL_MAX_80_LVR_200K_MIN" }, { "rank": 24, "lender": "UNITY BANK", "product": "Vic Homebuyer Fund", "product_id": "L37_VIC_OO_PRIN", "rate": 0.059, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0593, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2965.68, "fees": { "upfront": 400, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 568047.3, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L37_VIC_OO_PRIN" }, { "rank": 25, "lender": "UNITY BANK", "product": "Australian Government 5% Deposit Scheme", "product_id": "L25_HGS_OO_PRIN", "rate": 0.059, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0595, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2965.68, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 568247.3, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the MAX_BALANCE constraint has no readable value, so the largest balance the product allows is unknown" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L25_HGS_OO_PRIN" }, { "rank": 25, "lender": "UNITY BANK", "product": "First Home Buyer Loan - Owner Occupied - SO", "product_id": "L31_FHBL_OCC_PRIN", "rate": 0.059, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0595, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2965.68, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 568247.3, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L31_FHBL_OCC_PRIN" }, { "rank": 27, "lender": "Coastline", "product": "First Home Buyer Loan", "product_id": "36", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0589, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0589, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0589, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 2962.48, "fees": { "upfront": 1885, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 568381.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/36" }, { "rank": 28, "lender": "Summerland", "product": "Basic Variable Home Loan", "product_id": "78", "rate": 0.0589, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0595, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2962.48, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 568596.63, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/78" }, { "rank": 29, "lender": "Bank of China", "product": "Discount Plus Home Loan (with Principal and Interest Repayment)", "product_id": "10391363Plus", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2975.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 571102.01, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363Plus" }, { "rank": 29, "lender": "Bank of China", "product": "Discount Home Loan (With Principal and Interest Repayment)", "product_id": "10391363", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0613, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2975.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 571102.01, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391363" }, { "rank": 29, "lender": "SCCU", "product": "PREMIUM HOME LOAN", "product_id": "PREMIUM_HOME_LOAN", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0623, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0673, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" } ], "monthly_repayment": 2975.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 571102.01, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN" }, { "rank": 29, "lender": "SCCU", "product": "BROKER HOME LOAN", "product_id": "BROKER_HOME_LOAN", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0673, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" } ], "monthly_repayment": 2975.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 571102.01, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BROKER_HOME_LOAN" }, { "rank": 29, "lender": "SCCU", "product": "LJH 5STAR HOME LOAN", "product_id": "LJH_5STAR_HOME_LOAN", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0623, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 98%" }, { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0673, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" } ], "monthly_repayment": 2975.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 571102.01, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/LJH_5STAR_HOME_LOAN" }, { "rank": 29, "lender": "SCCU", "product": "EMONEY HOME LOAN", "product_id": "EMONEY_HOME_LOAN", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0593, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0673, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 95%" } ], "monthly_repayment": 2975.29, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 571102.01, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EMONEY_HOME_LOAN" }, { "rank": 35, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Value Home Loan - Owner Occupied", "product_id": "NICUL30V_OO", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0598, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2978.49, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 572258.71, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL30V_OO" }, { "rank": 36, "lender": "MACARTHUR CREDIT UNION LTD", "product": "FIRST HOME BUYERS OWNER OCCUPIED P&I", "product_id": "FIRSTHOMEBUYEROOCPI", "rate": 0.0592, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0598, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2972.08, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 572308.13, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/FIRSTHOMEBUYEROOCPI" }, { "rank": 37, "lender": "Gateway Bank", "product": "Allium Money Essentials", "product_id": "219", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0594, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2978.49, "fees": { "upfront": 99, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 572357.71, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/219" }, { "rank": 38, "lender": "BankVic", "product": "Special Police Variable Home Loan Rate", "product_id": "L6_Special_Police_Variable_Home_Loan_IC89", "rate": 0.0593, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0593, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2975.29, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 573032.01, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Special_Police_Variable_Home_Loan_IC89" }, { "rank": 39, "lender": "Australian Mutual Bank", "product": "Your Way Home Loan", "product_id": "cca7cbfc-1e70-11f1-8228-325096b39f47", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": { "from": 0.001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to 90%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 98%" } ], "monthly_repayment": 2978.49, "fees": { "upfront": 850, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)" ], "charged_only_if_something_happens": [ "LOAN_VARIATION_FEE (200) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for" ] }, "cost_over_window": 573108.71, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/cca7cbfc-1e70-11f1-8228-325096b39f47" }, { "rank": 40, "lender": "Newcastle Permanent", "product": "Real Deal Home Loan Principal and Interest", "product_id": "HL_realdealPI", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0598, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2978.49, "fees": { "upfront": 1020, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 573278.71, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI" }, { "rank": 41, "lender": "Up", "product": "Up Home Loan", "product_id": "up-home", "rate": 0.0595, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0595, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2981.7, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Bank Cheque Fee (12.75) — charged when a particular thing happens" ] }, "cost_over_window": 573410.59, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.up.com.au/cds-au/v1/banking/products/up-home" }, { "rank": 42, "lender": "Health Professionals Bank", "product": "Your Way Home Loan", "product_id": "f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": { "from": 0.001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to 90%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 98%" } ], "monthly_repayment": 2978.49, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 573508.71, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f2652081-aa00-4f6c-bb6c-ccfac4a9cdc1" }, { "rank": 42, "lender": "Teachers Mutual Bank", "product": "Your Way Home Loan", "product_id": "77a3c65c-910d-4b85-a32e-b89708c348c7", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": { "from": 0.001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to 90%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 98%" } ], "monthly_repayment": 2978.49, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 573508.71, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/77a3c65c-910d-4b85-a32e-b89708c348c7" }, { "rank": 42, "lender": "UniBank", "product": "Your Way Home Loan", "product_id": "6d4a90dc-f765-43b7-8885-45d5dfa68ab4", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": { "from": 0.001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to 90%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 98%" } ], "monthly_repayment": 2978.49, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "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)", "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "ARREARS_ADMINISTRATION_FEE (10) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 573508.71, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4" }, { "rank": 45, "lender": "Firefighters Mutual Bank", "product": "Your Way Home Loan", "product_id": "93861c8c-15fe-439a-b822-7a157db743fe", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": { "from": 0.001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to 90%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 98%" } ], "monthly_repayment": 2978.49, "fees": { "upfront": 1251, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 573509.71, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/93861c8c-15fe-439a-b822-7a157db743fe" }, { "rank": 46, "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED (Principal and Interest)", "product_id": "L22-ESSMVR-OOPI-SP", "rate": 0.0595, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2981.7, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 573910.59, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-SP" }, { "rank": 47, "lender": "Broken Hill Bank", "product": "Choice Home Loan", "product_id": "54", "rate": 0.0594, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0599, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2978.49, "fees": { "upfront": 1683.97, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 573942.68, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/54" }, { "rank": 48, "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)", "product_id": "GB-OOPI-LVR80", "rate": 0.0595, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0599, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2981.7, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 575510.59, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR80" }, { "rank": 49, "lender": "Gateway Bank", "product": "Premium Package", "product_id": "125", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0627, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 578033.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/125" }, { "rank": 49, "lender": "MOVE Bank", "product": "Everyday Home Loan", "product_id": "3b68aefd-3bd6-4674-940a-137fb97563bb", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Default Notice Fee (50) — charged when a particular thing happens" ] }, "cost_over_window": 578033.18, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/3b68aefd-3bd6-4674-940a-137fb97563bb" }, { "rank": 49, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Dream Home Loan New Borrowing", "product_id": "NICUL33_NBO", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0633, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 578033.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33_NBO" }, { "rank": 52, "lender": "Queensland Country Bank", "product": "Home Loan-Package", "product_id": "15", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to 95%" } ], "monthly_repayment": 2994.54, "fees": { "upfront": 50, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 578083.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/15" }, { "rank": 53, "lender": "BankWAW", "product": "Back to Basics Owner Occupied", "product_id": "L6_OOCC", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0605, "lvr_band_applied": { "from": 0.01, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0579, "lendingRateType": "INTRODUCTORY", "why": "it is published for a loan to value ratio of 1% to 60%" } ], "monthly_repayment": 2994.54, "fees": { "upfront": 300, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 578333.18, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC" }, { "rank": 54, "lender": "Gateway Bank", "product": "Allium Money Premium", "product_id": "217", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0599, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 398, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 578431.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/217" }, { "rank": 55, "lender": "Border Bank", "product": "Customs Value Home Loan", "product_id": "83030c82-5966-4078-b05d-31174b7bdac9", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0606, "lvr_band_applied": { "from": 0.6, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0584, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 2994.54, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 578633.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/83030c82-5966-4078-b05d-31174b7bdac9" }, { "rank": 55, "lender": "Police Bank", "product": "Police Value Home Loan", "product_id": "e90d86eb-0cba-44f9-84b0-de05030cade4", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0606, "lvr_band_applied": { "from": 0.6, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0584, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 2994.54, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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) — charged when a particular thing happens", "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 — something the standard has no type for", "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" ] }, "cost_over_window": 578633.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/e90d86eb-0cba-44f9-84b0-de05030cade4" }, { "rank": 57, "lender": "THE CAPRICORNIAN", "product": "No Frills Owner Occupied Home Loan", "product_id": "8f169e0c-9488-40fa-97fe-d614ec6bf293", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0604, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 1000, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Mortgage Discharge Fee (300) — charged when a particular thing happens", "Contract Variation & Consent Fee (400) — charged when a particular thing happens", "Arrears Fees - Default Notice Fee (40) — charged when a particular thing happens", "Arrears Fees - Reminder call fee (5) — charged when a particular thing happens" ] }, "cost_over_window": 579033.18, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293" }, { "rank": 58, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% Special (Principal and Interest)", "product_id": "BP-OOPI-LVR80_Special", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 579533.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-LVR80_Special" }, { "rank": 59, "lender": "Summerland", "product": "Premium Variable Home Loan", "product_id": "55", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0636, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 1600, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Premium 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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 579633.18, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/55" }, { "rank": 60, "lender": "BankVic", "product": "Home Loan Special Variable Rate", "product_id": "L6_Special_Variable_Home_Loan_IC88", "rate": 0.0599, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0599, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 579963.18, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Special_Variable_Home_Loan_IC88" }, { "rank": 61, "lender": "Tiimely", "product": "Tiimely Offset Home Loan", "product_id": "08e18ffd-4d24-4b69-8fbe-c01bdd65cc7f", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0621, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0595, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0595, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0689, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 583826.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/08e18ffd-4d24-4b69-8fbe-c01bdd65cc7f" }, { "rank": 61, "lender": "Tiimely", "product": "Tiimely Basic Home Loan", "product_id": "4faad27c-8cea-44d1-89d0-f6351abafa5e", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0605, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0595, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0595, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 583826.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e" }, { "rank": 63, "lender": "ING", "product": "Mortgage Simplifier", "product_id": "f53a58f1-a964-4d9f-aa9d-23fec9148451", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0607, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 50%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 51% to 60%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 61% to 70%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 95%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Change to letter of offer (250) — charged when a particular thing happens", "Additional statements (7) — charged when a particular thing happens", "Increase/decrease to loan amount (300) — charged when a particular thing happens", "Product switch (300) — charged when a particular thing happens", "Substitution of security (300) — charged when a particular thing happens", "Discharge Full and Partial (250) — charged when a particular thing happens", "Consent to Subdivision/2nd mortgage (300) — charged when a particular thing happens", "Removal or change to borrowers or guarantors (300) — charged when a particular thing happens", "Dishonoured cheque (9) — charged when a payment is dishonoured", "Direct debit rejected (9) — charged when a particular thing happens", "Arrears Default Letter (40) — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens", "Late payment fee (30) — charged when a payment is late" ] }, "cost_over_window": 584176.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id.ob.ing.com.au/cds-au/v1/banking/products/f53a58f1-a964-4d9f-aa9d-23fec9148451" }, { "rank": 64, "lender": "Regional Australia Bank", "product": "Regional Australia Bank Home Loan (Non Offset)", "product_id": "14b17326-4145-4e2d-b808-5bb877b3267e", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0607, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0589, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 425, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 584251.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/14b17326-4145-4e2d-b808-5bb877b3267e" }, { "rank": 65, "lender": "bcu", "product": "OMG Home Loan (P&I) LVR>60-80", "product_id": "94", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0607, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3010.62, "fees": { "upfront": 471, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Statement Retrieval Fee (2.5) — charged to replace a card", "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", "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" ] }, "cost_over_window": 584297.33, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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 \"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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/94" }, { "rank": 66, "lender": "Border Bank", "product": "Goldrate Home Loan", "product_id": "cdd82e86-17c9-40be-a28a-a99f8c7d991f", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0611, "lvr_band_applied": { "from": 0.6, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0594, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Substituting Securities fee (315) — charged when a particular thing happens", "Legal/Securities fees — charged when a particular thing happens", "Stamp Duty Increase Fee — charged when a particular thing happens", "Fixed Rate Lock Fee (600) — charged when a particular thing happens", "Substituting of Security Legal fee (605) — charged when a particular thing happens", "Consent to Subdivision Fee (162) — charged when a particular thing happens", "Bridging Home Loan Establishment Fee (880) — charged when a particular thing happens", "Late Payment Fee (10) — charged when a payment is late", "Second Mortgage Consent Fee (75) — charged when a particular thing happens", "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens", "Default Notice Fee (21.5) — charged when a particular thing happens", "PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens", "Production of Title Fee (110) — charged when a particular thing happens", "Additional Statement Fee — something the standard has no type for", "General Consent Fee (250) — charged when a particular thing happens", "Other Government Duties & Taxes — charged when a particular thing happens", "Excess Valuation Fee — charged when a particular thing happens", "Arrears Letter Fee (6.5) — charged when a particular thing happens", "Other Legal/ Solicitors Fees — charged when a particular thing happens", "Insurance — charged when a particular thing happens", "Additional Valuation Fee — charged when a particular thing happens", "Third Party Costs — something the standard has no type for", "Stamp Duty — charged when a particular thing happens", "RTGS Transfer Fee (10.5) — charged when a particular thing happens", "Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured", "Pest & Building Inspections Fees — charged when a particular thing happens", "Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens", "Independent Legal Advice/Interpreter Service — charged when a particular thing happens", "Early Repayment Fee — something the standard has no type for" ] }, "cost_over_window": 584426.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 \"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", "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 \"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 \"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 \"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 \"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 \"Insurance\", 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 \"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 \"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 \"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 \"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 \"Early Repayment Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/cdd82e86-17c9-40be-a28a-a99f8c7d991f" }, { "rank": 66, "lender": "Police Bank", "product": "Goldrate Home Loan", "product_id": "28c6f47a-39fe-40f4-abba-d27976d75f29", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0611, "lvr_band_applied": { "from": 0.6, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0594, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Substituting Securities fee (315) — charged when a particular thing happens", "Legal/Securities fees — charged when a particular thing happens", "Dishonoured Member Cheque fee (9) — charged when a particular thing happens", "Stamp Duty Increase Fee — charged when a particular thing happens", "Dishonoured Cheque fee (9) — charged when a particular thing happens", "Fixed Rate Lock Fee (600) — charged when a particular thing happens", "Substituting of Security Legal fee (605) — charged when a particular thing happens", "Consent to Subdivision Fee (162) — charged when a particular thing happens", "Bridging Home Loan Establishment Fee (880) — charged when a particular thing happens", "Late Payment Fee (10) — charged when a payment is late", "Second Mortgage Consent Fee (75) — charged when a particular thing happens", "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens", "Default Notice Fee (21.5) — charged when a particular thing happens", "PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens", "Production of Title Fee (110) — charged when a particular thing happens", "Additional Statement Fee — something the standard has no type for", "General Consent Fee (250) — charged when a particular thing happens", "Other Government Duties & Taxes — charged when a particular thing happens", "Excess Valuation fee — charged when a particular thing happens", "Arrears Letter Fee (6.5) — charged when a particular thing happens", "Other Legal/ Solicitors Fees — charged when a particular thing happens", "Insurance — charged when a particular thing happens", "Additional Valuation Fee — charged when a particular thing happens", "Third Party Costs — something the standard has no type for", "Stamp Duty — charged when a particular thing happens", "RTGS Transfer Fee (10.5) — charged when a particular thing happens", "Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured", "Pest & Building Inspections Fees — charged when a particular thing happens", "Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens", "Independent Legal Advice/Interpreter Service — charged when a particular thing happens", "Early Repayment Fee — something the standard has no type for" ] }, "cost_over_window": 584426.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 \"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", "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 \"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 \"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 \"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 \"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 \"Insurance\", 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 \"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 \"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 \"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 \"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 \"Early Repayment Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/28c6f47a-39fe-40f4-abba-d27976d75f29" }, { "rank": 68, "lender": "ME Bank", "product": "ME Bank EconoME Home Loan", "product_id": "cf2579cd-508e-ee11-be36-000d3a79efd0", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0606, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0769, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0845, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0845, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0769, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Valuation Fee (for new applications) (300) — charged when a particular thing happens", "Valuation Fee (for post-settlement variations) (300) — charged when a particular thing happens", "Top up Fee (150) — charged if the contract is varied", "Legal Review Fees - Standard (350) — charged when a particular thing happens", "Late Payment Fee (30) — charged when a payment is late", "Vouchers and other records for searching - General search (60) — charged when a particular thing happens", "Vouchers and other records for searching - Privacy Act (66) — charged when a particular thing happens", "Mortgagee Sale Fee (400) — charged when a particular thing happens", "Substitution of Security Fee (300) — charged if the contract is varied", "Variation Fee (300) — charged if the contract is varied" ] }, "cost_over_window": 584726.33, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/cf2579cd-508e-ee11-be36-000d3a79efd0" }, { "rank": 69, "lender": "IMB Bank", "product": "Budget Home Loan", "product_id": "RM-1-1", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0607, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0664, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 70%" } ], "monthly_repayment": 3010.62, "fees": { "upfront": 1898, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 585724.33, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-1" }, { "rank": 70, "lender": "BankVic", "product": "Police Variable Home Loan Rate", "product_id": "L6_Police_Variable_Home_Loan_IC72", "rate": 0.0604, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0604, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3010.62, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 585756.33, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Police_Variable_Home_Loan_IC72" }, { "rank": 71, "lender": "Bank of Queensland", "product": "BOQ Essential Home Loan", "product_id": "cb2579cd-508e-ee11-be36-000d3a79efd0", "rate": 0.0608, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.061, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0757, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3023.52, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Rate Lock Fee (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 588914.8, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boq.com.au/cds-au/v1/banking/products/cb2579cd-508e-ee11-be36-000d3a79efd0" }, { "rank": 72, "lender": "NRMA Insurance", "product": "NRMA Basic Home Loan", "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "rate": 0.0608, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0612, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3023.52, "fees": { "upfront": 495.4, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 588960.2, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8" }, { "rank": 72, "lender": "NRMA Insurance", "product": "NRMA Offset Home Loan", "product_id": "e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f", "rate": 0.0608, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0633, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0688, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3023.52, "fees": { "upfront": 495.4, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 588960.2, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f" }, { "rank": 74, "lender": "Bank of Queensland", "product": "Economy Variable Home Loan", "product_id": "f2176288-5c03-ee11-8f6e-00224814dce7", "rate": 0.0608, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0623, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3023.52, "fees": { "upfront": 700, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Government and other charges — something the standard has no type for", "Production Fee (150) — charged when a particular thing happens", "Consent Fee (300) — charged if the contract is varied", "Substitution of Security (300) — charged if the contract is varied", "Default Fee (30) — charged when a payment is late" ] }, "cost_over_window": 589164.8, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boq.com.au/cds-au/v1/banking/products/f2176288-5c03-ee11-8f6e-00224814dce7" }, { "rank": 75, "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "AMP Essential Home Loan", "product_id": "AMP_ESSENTIAL_HL", "rate": 0.0608, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0611, "lvr_band_applied": { "from": 0.6, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50% or 50% to 60%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3023.52, "fees": { "upfront": 844, "annual": 0, "monthly": 0, "discharge_if_exiting": 490, "could_not_be_priced": [ "$0 Essential account management 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)", "$0 Essential 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)", "$0 Essential 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)" ], "charged_only_if_something_happens": [ "Valuation fee — charged when a particular thing happens", "Rework fee (249) — charged when a particular thing happens", "Variation fee (299) — charged when a particular thing happens", "Verification of identity by Australia Post — charged when a particular thing happens", "Payment dishonour fees — charged when a payment is dishonoured", "Solicitors' and mortgage processing servicers' incidental costs (82.5) — charged when a particular thing happens", "Solicitor or mortgage processing servicer non-standard additional costs — charged when a particular thing happens", "International ATM cash withdrawal fee (4.5) — charged per withdrawal", "Currency conversion fee — charged per transaction", "Emergency replacement AMP Visa Debit Card fee (15) — charged to replace a card", "Telegraphic transfer fee - deposits (30) — charged per deposit", "Telegraphic transfer fee - withdrawals (30) — charged per withdrawal", "Transaction trace fee (20) — charged when a particular thing happens", "Visa dispute fee (25) — charged when a particular thing happens", "Audit certificate fee (25) — charged when a particular thing happens", "$0 Essential valuation fee (up to the value of $550). (0) — charged when a particular thing happens", "$0 Essential redraw fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 589308.8, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Verification of identity by Australia Post\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Payment dishonour fees\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Solicitor or mortgage processing servicer non-standard additional costs\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_ESSENTIAL_HL" }, { "rank": 76, "lender": "BankWAW", "product": "Home Equity Loan Owner Occupied", "product_id": "L42_OCC", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0612, "lvr_band_applied": { "from": 0.01, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "LOAN_REDRAW_FACILITY_FEE_ONLINE (10) — charged per transaction", "LOAN_REDRAW_FACILITY_FEE_OVER_COUNTER (20) — charged per transaction", "LOAN_VALUATION_FEE (0) — charged on a cash advance" ] }, "cost_over_window": 589624.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L42_OCC" }, { "rank": 76, "lender": "NAB", "product": "NAB Defence Force Home Loan", "product_id": "afc433d8-947a-46b5-9f51-d15d4fb8ba3b", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0622, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Mortgage Discharge Fee (350) — charged when a particular thing happens", "Production of documents (150) — charged when a particular thing happens", "Company name search (40) — charged when a particular thing happens", "Business name search (40) — charged when a particular thing happens", "Rate Lock Fee (for fixed rate home loans) — charged when a particular thing happens" ] }, "cost_over_window": 589624.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/afc433d8-947a-46b5-9f51-d15d4fb8ba3b" }, { "rank": 76, "lender": "Westpac", "product": "Flexi First : Our lowest online variable home loan rate (Owner Occupied)", "product_id": "HLVariableFlexiOwnerOccupied", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.061, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0644, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Loan 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)", "Lenders Mortgage Insurance Premium" ], "charged_only_if_something_happens": [ "Bank Cheque Issuance Fee (10) — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late", "Document Processing Fee (100) — charged when a particular thing happens", "Account Overdrawn Fee (15) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Extra repayments (0) — charged when a particular thing happens", "Redraw (0) — charged when a particular thing happens", "Repayment holidays or Reduced Repayments (0) — charged when a particular thing happens", "Construction loan option (0) — charged when a particular thing happens", "Portability option (0) — charged when a particular thing happens", "Loan switching (0) — charged when a particular thing happens" ] }, "cost_over_window": 589624.93, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Lenders Mortgage 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 \"Property Valuer Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableFlexiOwnerOccupied" }, { "rank": 79, "lender": "Heritage", "product": "Discount Variable - Owner Occupied", "product_id": "f1f4dfec-268b-4d8f-b177-33311c33cef5", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.061, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0649, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 95%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0649, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 95%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 10, "annual": 0, "monthly": 0, "discharge_if_exiting": 345, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Paper Based Statement Fee (3) — something the standard has no type for", "Monthly fee (0) — charged when a particular thing happens", "Title Registration Fee (0) — something the standard has no type for", "Default Fee (30) — charged when a particular thing happens", "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", "Partial Release Assessment fee (100) — 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", "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", "Approval Request Fee (0) — something the standard has no type for", "Telegraphic Transfer Fee (30) — charged when a particular thing happens", "Stamp Duty (0) — something the standard has no type for" ] }, "cost_over_window": 589634.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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 \"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 \"Stamp Duty\" 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/f1f4dfec-268b-4d8f-b177-33311c33cef5" }, { "rank": 80, "lender": "Macquarie", "product": "Macquarie Basic Home Loan", "product_id": "LN001MBLBAS001", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0611, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0709, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 400, "could_not_be_priced": [ "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)", "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)", "Low Deposit Fee", "Third party Settlement Fee" ], "charged_only_if_something_happens": [ "Construction Administration Fee (1500) — charged when a particular thing happens", "Break Cost — something the standard has no type for", "Special Attendance Fee — something the standard has no type for", "Third Party Fees — something the standard has no type for" ] }, "cost_over_window": 589974.93, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Break Cost\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Low Deposit Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Special Attendance 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 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 Settlement Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001" }, { "rank": 80, "lender": "Macquarie", "product": "Macquarie Offset Home Loan", "product_id": "LN001MBLSTD001", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0709, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 400, "could_not_be_priced": [ "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)", "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)", "Low Deposit Fee", "Third party Settlement Fee" ], "charged_only_if_something_happens": [ "Construction Administration Fee (1500) — charged when a particular thing happens", "Break Cost — something the standard has no type for", "Special Attendance Fee — something the standard has no type for", "Third Party Fees — something the standard has no type for" ] }, "cost_over_window": 589974.93, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Break Cost\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Low Deposit Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Special Attendance 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 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 Settlement Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLSTD001" }, { "rank": 82, "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_id": "L22-ESSMVR-OOPI-RD", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 590124.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD" }, { "rank": 83, "lender": "Fire Service Credit Union", "product": "L5 Mortgage Insured Home Loan", "product_id": "26", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.061, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 521.28, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Discharge Mortgage Amin 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" ] }, "cost_over_window": 590146.21, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/26" }, { "rank": 84, "lender": "Bank First Production", "product": "Basic Home Loan Variable LVR 70-80%", "product_id": "7c62778e-f5a7-4c96-b9f3-6fa2e0328820", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late" ] }, "cost_over_window": 590219.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/7c62778e-f5a7-4c96-b9f3-6fa2e0328820" }, { "rank": 85, "lender": "Police Bank", "product": "Essential Workers Home Loan", "product_id": "39fc423d-3169-4a96-a935-45a5db8209d2", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0616, "lvr_band_applied": { "from": 0.6, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0614, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 294, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "RTGS Transfer Fee (10.5) — charged when a particular thing happens", "Pest & Building Inspections Fees — charged when a particular thing happens", "Fixed Rate Lock Fee (600) — charged when a particular thing happens", "Other Legal/ Solicitors Fees — charged when a particular thing happens", "Additional Valuation Fee — charged when a particular thing happens", "Legal/Securities fees — charged when a particular thing happens", "Default Notice Fee (21.5) — charged when a particular thing happens", "Stamp Duty — charged when a particular thing happens", "PPSR Fees (Personal Properties Security Register) — charged when a particular thing happens", "Late Payment Fee (10) — charged when a payment is late", "Production of Title Fee (110) — charged when a particular thing happens", "Stamp Duty Increase Fee — 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", "Third Party Costs — something the standard has no type for", "Excess Valuation fee — charged when a particular thing happens", "Dishonoured Member Cheque fee (9) — charged when a particular thing happens", "Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges — charged when a particular thing happens", "Substituting of Security Legal fee (605) — charged when a particular thing happens", "Issue of Statutory Default Notice Legal Fees — charged when a payment is dishonoured", "Insurance — charged when a particular thing happens", "Additional Statement Fee — something the standard has no type for", "Mortgage Loan Top Up / Increase in Credit Limit Fee (315) — charged when a particular thing happens", "Independent Legal Advice/Interpreter Service — charged when a particular thing happens", "Other Government Duties & Taxes — charged when a particular thing happens", "Substituting Securities fee (315) — charged when a particular thing happens", "Consent to Subdivision Fee (162) — charged when a particular thing happens", "Second Mortgage Consent Fee (75) — charged when a particular thing happens", "Arrears Letter Fee (6.5) — charged when a particular thing happens", "Dishonoured Cheque fee (9) — charged when a particular thing happens" ] }, "cost_over_window": 590224.93, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 \"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 \"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 \"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 \"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 \"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 \"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 \"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 \"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 \"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 \"Insurance\", 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 \"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 \"Other Government Duties & Taxes\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/39fc423d-3169-4a96-a935-45a5db8209d2" }, { "rank": 85, "lender": "UNITY BANK", "product": "Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset", "product_id": "L34_ADVL_OO_PRIN_WOO", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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_-_PEXA_SERVICE_FEE (0) — charged on a cash advance", "MORTGAGE_DISCHARGE_-_REGISTRATION_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" ] }, "cost_over_window": 590224.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_OO_PRIN_WOO" }, { "rank": 85, "lender": "UNITY BANK", "product": "Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO", "product_id": "L23_60-80LVR_OCC_PRIN", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 590224.93, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60-80LVR_OCC_PRIN" }, { "rank": 88, "lender": "BankVic", "product": "Offset Police Variable Rate Home Loan", "product_id": "L6_Offset_Police_Variable_Home_Loan_IC83", "rate": 0.0608, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0608, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3023.52, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 590394.8, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Offset_Police_Variable_Home_Loan_IC83" }, { "rank": 89, "lender": "ME Bank", "product": "ME Bank CompleteME Home Loan", "product_id": "d12579cd-508e-ee11-be36-000d3a79efd0", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0647, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0836, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0769, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.085, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0769, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0838, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)", "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)" ], "charged_only_if_something_happens": [ "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", "Top up Fee (0) — charged if the contract is varied", "Vouchers and other records for searching - Privacy Act (66) — charged when a particular thing happens", "Mortgagee Sale Fee (400) — charged when a particular thing happens", "Late Payment Fee (30) — charged when a payment is late", "Vouchers and other records for searching - General search (60) — charged when a particular thing happens", "Substitution of Security Fee (300) — charged if the contract is varied", "Variation Fee (0) — charged if the contract is varied", "Legal Review Fees - Standard (350) — charged when a particular thing happens" ] }, "cost_over_window": 590524.93, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/d12579cd-508e-ee11-be36-000d3a79efd0" }, { "rank": 90, "lender": "Gateway Bank", "product": "Green Home Loan", "product_id": "172", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0638, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 590793.22, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/172" }, { "rank": 90, "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Optimum 3 Year Fixed Rate Home Loan", "product_id": "L44_3YR_FROO_HL_10", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SERVICE_FEE (9) — charged when a particular thing happens", "LAND_TITLE_SEARCH_FEE (17.1) — charged when a particular thing happens" ] }, "cost_over_window": 590793.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown", "the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L44_3YR_FROO_HL_10" }, { "rank": 90, "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Optimum 2 Year Fixed Rate Home Loan", "product_id": "L43_2YR_FROOHL_12", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "LAND_TITLE_SEARCH_FEE (17.1) — charged when a particular thing happens", "SERVICE_FEE (9) — charged when a particular thing happens" ] }, "cost_over_window": 590793.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown", "the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L43_2YR_FROOHL_12" }, { "rank": 90, "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Optimum 1 Year Fixed Rate Home Loan", "product_id": "L42_1YR_FROO_HL_12", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "LAND_TITLE_SEARCH_FEE (17.1) — charged when a particular thing happens", "SERVICE_FEE (9) — charged when a particular thing happens" ] }, "cost_over_window": 590793.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers", "the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown", "the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L42_1YR_FROO_HL_12" }, { "rank": 90, "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Intro Discounted Standard Variable Home Loan", "product_id": "L23_IntoDisc_HL_1", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "LAND_TITLE_SEARCH_FEE (17.1) — charged when a particular thing happens", "SERVICE_FEE (9) — charged when a particular thing happens" ] }, "cost_over_window": 590793.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown", "the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L23_IntoDisc_HL_1" }, { "rank": 90, "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Standard Variable Rate Home Loan", "product_id": "L2_HL_OwnOccupied", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.061, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "LAND_TITLE_SEARCH_FEE (17.1) — charged when a particular thing happens", "SERVICE_FEE (9) — charged when a particular thing happens" ] }, "cost_over_window": 590793.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers", "the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown", "the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L2_HL_OwnOccupied" }, { "rank": 96, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "BP-OOPI-LVR80", "rate": 0.0609, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0647, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 591124.93, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-LVR80" }, { "rank": 97, "lender": "BankVic", "product": "Home Loan Variable Rate", "product_id": "L6_Variable_Home_Loan_IC70", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.061, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 592723.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Variable_Home_Loan_IC70" }, { "rank": 97, "lender": "BankVic", "product": "Fixed Rate Home Loan - 1 year", "product_id": "L27_Fixed_1_Year_HOO_IC3", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "DISCHARGE_FEE (295) — charged when a particular thing happens", "TITLE_SEARCH_FEE (25) — charged when a particular thing happens", "REPRESENTATION_FEE (99) — charged when a particular thing happens", "SECURITY_SUBSTITUTION_FEE (400) — charged when a particular thing happens", "FINANCIAL_INSTITUTION_CHEQUE (0) — charged per transaction", "VALUATION_FEE_-_NON_STANDARD (0) — charged on a cash advance", "EARLY_REPAYMENT_OR_BREAK_COSTS — charged on a cash advance" ] }, "cost_over_window": 592723.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"EARLY_REPAYMENT_OR_BREAK_COSTS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L27_Fixed_1_Year_HOO_IC3" }, { "rank": 97, "lender": "BankVic", "product": "Fixed Rate Home Loan - 2 years", "product_id": "L27_Fixed_2Yr_HOO_IC3", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "VALUATION_FEE_-_NON_STANDARD (0) — charged on a cash advance", "EARLY_REPAYMENT_OR_BREAK_COSTS — charged on a cash advance" ] }, "cost_over_window": 592723.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"EARLY_REPAYMENT_OR_BREAK_COSTS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L27_Fixed_2Yr_HOO_IC3" }, { "rank": 97, "lender": "BankVic", "product": "Fixed Rate Home Loan - 3 years", "product_id": "L27_Fixed_3Yr_HOO_IC3", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "VALUATION_FEE_-_NON_STANDARD (0) — charged on a cash advance", "EARLY_REPAYMENT_OR_BREAK_COSTS — charged on a cash advance" ] }, "cost_over_window": 592723.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"EARLY_REPAYMENT_OR_BREAK_COSTS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L27_Fixed_3Yr_HOO_IC3" }, { "rank": 97, "lender": "BankVic", "product": "Fixed Rate Home Loan - 4 years", "product_id": "L27_Fixed_4Yr_HOO_IC3", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "VALUATION_FEE_-_NON_STANDARD (0) — charged on a cash advance", "EARLY_REPAYMENT_OR_BREAK_COSTS — charged on a cash advance" ] }, "cost_over_window": 592723.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"EARLY_REPAYMENT_OR_BREAK_COSTS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L27_Fixed_4Yr_HOO_IC3" }, { "rank": 97, "lender": "BankVic", "product": "Fixed Rate Home Loan - 5 years", "product_id": "L27_Fixed_5Yr_HOO_IC3", "rate": 0.061, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3029.97, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "VALUATION_FEE_-_NON_STANDARD (0) — charged on a cash advance", "EARLY_REPAYMENT_OR_BREAK_COSTS — charged on a cash advance" ] }, "cost_over_window": 592723.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"EARLY_REPAYMENT_OR_BREAK_COSTS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L27_Fixed_5Yr_HOO_IC3" }, { "rank": 103, "lender": "Bendigo Bank", "product": "Bendigo Easy Home Loan", "product_id": "2e082120-40d6-4587-8ca9-eaafd8201877", "rate": 0.0613, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0615, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3039.67, "fees": { "upfront": 199, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 594479.76, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Break Cost 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\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/2e082120-40d6-4587-8ca9-eaafd8201877" }, { "rank": 104, "lender": "Qantas Money", "product": "QANTAS Money Offset Home Loan", "product_id": "05df6a88-6161-4f02-a25c-cbbe05a16bae", "rate": 0.0613, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0636, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0608, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0608, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0628, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0703, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3039.67, "fees": { "upfront": 840.4, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 595121.16, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/05df6a88-6161-4f02-a25c-cbbe05a16bae" }, { "rank": 104, "lender": "Qantas Money", "product": "QANTAS Money Basic Home Loan", "product_id": "40a80249-5ea9-402d-9d43-218a7fd62546", "rate": 0.0613, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0603, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0608, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0608, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3039.67, "fees": { "upfront": 840.4, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 595121.16, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546" }, { "rank": 106, "lender": "Bank Australia", "product": "Basic Home Loan", "product_id": "d6a80145-dc64-42da-a8c1-7c1e494fd361", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0665, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to no stated maximum" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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 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)" ], "charged_only_if_something_happens": [ "Portability Fee- New Mortgage (500) — charged when a particular thing happens", "Mortgage Discharge Fee (275) — charged when a particular thing happens", "1st Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 595448.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/d6a80145-dc64-42da-a8c1-7c1e494fd361" }, { "rank": 106, "lender": "Qudos Bank", "product": "No Frills Home Loan", "product_id": "8cb93a86-51f1-4ef1-b5ff-97d88aa96e43", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Account Keeping 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 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)" ], "charged_only_if_something_happens": [ "Redraw Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 595448.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/8cb93a86-51f1-4ef1-b5ff-97d88aa96e43" }, { "rank": 108, "lender": "Newcastle Permanent", "product": "Premium Plus Package Variable Home Loan Principal and Interest", "product_id": "HL_premiumplusPI", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0648, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3042.9, "fees": { "upfront": 75, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "Premium Plus 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)" ], "charged_only_if_something_happens": [ "Electronic Transfer Fee (30) — charged per withdrawal", "International Transfer Inward (12) — charged per deposit", "Consent Fee (200) — charged when a particular thing happens", "Substitution in Security Fee (350) — charged if the contract is varied", "Settlement Reschedule Fee (85) — charged when a particular thing happens", "Settlement Cheque Fee NPBS Cheque only (5) — charged per withdrawal", "Dishonour (Direct Debit and Cheque) (9) — charged when a payment is dishonoured", "Document and Miscellaneous Service — charged for an enquiry", "Default Administration Fee 1 (35) — charged when a payment is late", "Default Administration Fee 2 (50) — charged when a payment is late", "Conversion Fee (350) — charged if the contract is varied" ] }, "cost_over_window": 595523.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusPI" }, { "rank": 109, "lender": "Bank of Queensland", "product": "BOQ Plus Home Loan", "product_id": "cd2579cd-508e-ee11-be36-000d3a79efd0", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0643, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0824, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0784, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 150, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Rate Lock Fee (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)", "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)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 595598.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boq.com.au/cds-au/v1/banking/products/cd2579cd-508e-ee11-be36-000d3a79efd0" }, { "rank": 110, "lender": "ORANGE CREDIT UNION LTD", "product": "Basic Variable Rate Home Loan", "product_id": "BASIC_HOME_LOAN", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0619, "lvr_band_applied": { "from": 0.600001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to no stated maximum" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 595603.58, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/BASIC_HOME_LOAN" }, { "rank": 111, "lender": "ubank", "product": "Neat - OO Variable P&I", "product_id": "11", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0616, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 85%" }, { "rate": 0.0699, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 85.01% to 90%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 250, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Valuation Fee — something the standard has no type for", "Documentation Fee (100) — charged when a particular thing happens", "Discharge Fee (300) — charged when a particular thing happens", "Production Fee (110) — charged when a particular thing happens", "Switch fee (100) — charged when a particular thing happens" ] }, "cost_over_window": 595698.58, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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 MAX_LVR constraint is given as 85; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/11" }, { "rank": 111, "lender": "ubank", "product": "Flex - Variable OO P&I", "product_id": "3", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0638, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 85%" }, { "rate": 0.0699, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 85.01% to 90%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 250, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Valuation fee — something the standard has no type for", "Documentation fee (100) — charged when a particular thing happens", "Discharge fee (300) — charged when a particular thing happens", "Production fee (110) — charged when a particular thing happens" ] }, "cost_over_window": 595698.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 MAX_LVR constraint is given as 85; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/3" }, { "rank": 113, "lender": "CommBank", "product": "Digi Home Loan (Owner Occupied)", "product_id": "c1d7e8ef741e45e5b013fa7d05574e80", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0627, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0612, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 300, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)", "Offset Feature 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)" ], "charged_only_if_something_happens": [ "Settlement Cheque Fee (30) — charged when a particular thing happens", "Late Payment Fee (20) — charged when a payment is late", "Paper Statement Fee (2.5) — charged when a particular thing happens", "Settlement Fee (Discharge) (350) — charged when a particular thing happens", "Security Substitution Fee (300) — charged when a particular thing happens", "Stop Payment Notice Fee (15) — charged when a particular thing happens", "Voucher Fee — charged for an enquiry", "Switching Fee (50) — charged when a particular thing happens" ] }, "cost_over_window": 595748.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Voucher Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.commbank.com.au/public/cds-au/v1/banking/products/c1d7e8ef741e45e5b013fa7d05574e80" }, { "rank": 114, "lender": "ING", "product": "Orange Advantage", "product_id": "9b408eec-e2ff-4c65-a19f-d72fbaa181f9", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0643, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 50%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 51% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 61% to 70%" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 95%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Change to letter of offer (250) — charged when a particular thing happens", "Additional statements (7) — charged when a particular thing happens", "Increase/decrease to loan amount (300) — charged when a particular thing happens", "Product switch (300) — charged when a particular thing happens", "Substitution of security (300) — charged when a particular thing happens", "Discharge Full and Partial (250) — charged when a particular thing happens", "Consent to Subdivision/2nd mortgage (300) — charged when a particular thing happens", "Removal or change to borrowers or guarantors (300) — charged when a particular thing happens", "Dishonoured cheque (9) — charged when a payment is dishonoured", "Direct debit rejected (9) — charged when a particular thing happens", "Arrears Default Letter (40) — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens", "Late payment fee (30) — charged when a payment is late" ] }, "cost_over_window": 595798.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id.ob.ing.com.au/cds-au/v1/banking/products/9b408eec-e2ff-4c65-a19f-d72fbaa181f9" }, { "rank": 115, "lender": "Bank of Queensland", "product": "Clear Path Variable Home Loan", "product_id": "59906e88-5c03-ee11-8f6e-00224814d330", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0626, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 400, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Substitution of Security (300) — charged if the contract is varied", "Default Fee (30) — charged when a payment is late", "Consent Fee (300) — charged if the contract is varied", "Government and other charges — something the standard has no type for", "Production Fee (150) — charged when a particular thing happens" ] }, "cost_over_window": 595848.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boq.com.au/cds-au/v1/banking/products/59906e88-5c03-ee11-8f6e-00224814d330" }, { "rank": 116, "lender": "Suncorp Bank", "product": "Back to Basics Variable Rate Better Together Special Offer", "product_id": "BTB150k+", "rate": 0.0613, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0734, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 95%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0608, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0608, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 60%" } ], "monthly_repayment": 3039.67, "fees": { "upfront": 1590, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "Guarantor Fee (200) — charged when a particular thing happens", "Loan Finalisation Fee (350) — charged when a particular thing happens", "Progressive Funding Fee (300) — charged when a particular thing happens", "Renegotiation Fee (300) — charged when a particular thing happens", "Staff Assisted Home Loan Repayment Fee (5) — charged when a particular thing happens" ] }, "cost_over_window": 595870.76, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/BTB150k%2B" }, { "rank": 117, "lender": "POLICE CREDIT UNION LIMITED", "product": "Renovation Loan - Owner Occupied", "product_id": "OO_RENO", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0621, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3042.9, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "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" ] }, "cost_over_window": 596193.58, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_RENO" }, { "rank": 118, "lender": "Dnister Bank", "product": "Simple Fixed Home Loan Plus", "product_id": "35", "rate": 0.0614, "rate_type": "INTRODUCTORY", "fixed_years": null, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3042.9, "fees": { "upfront": 864.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Annual Fee HL Package (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)" ], "charged_only_if_something_happens": [ "Redraw Fee (0) — charged per transaction", "Split Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 596313.08, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/35" }, { "rank": 119, "lender": "Virgin Money Australia", "product": "Virgin Money Loaded Home Loan", "product_id": "d52579cd-508e-ee11-be36-000d3a79efd0", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0643, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0816, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0816, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0816, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0816, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.085, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0764, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0779, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0816, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0816, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0764, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 100%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0836, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0838, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)", "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)" ], "charged_only_if_something_happens": [ "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", "Mortgage Sale Fee (400) — 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 (0) — charged if the contract is varied", "Vouchers and other records for searching - General search (60) — charged when a particular thing happens", "Top up Fee (0) — charged if the contract is varied", "Vouchers and other records for searching - Privacy Act (66) — charged when a particular thing happens", "Legal Review Fees - Standard (350) — charged when a particular thing happens" ] }, "cost_over_window": 596348.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.virginmoney.com.au/cds-au/v1/banking/products/d52579cd-508e-ee11-be36-000d3a79efd0" }, { "rank": 120, "lender": "IMB Bank", "product": "Essentials Home Loan", "product_id": "RM-1-2", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0625, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0664, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 70%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 597046.58, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-2" }, { "rank": 121, "lender": "BankVic", "product": "Offset Variable Rate Home Loan", "product_id": "L6_Offset_Variable_Home_Loan_IC82", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3042.9, "fees": { "upfront": 1930, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 597378.58, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L6_Offset_Variable_Home_Loan_IC82" }, { "rank": 122, "lender": "Bank Australia", "product": "Offset Home Loan", "product_id": "5efe925e-6e43-4f4c-ba32-61c04d569b20", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to no stated maximum" } ], "monthly_repayment": 3055.86, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Redraw fee (0) — charged when a particular thing happens", "Portability Fee- New Mortgage (500) — charged when a particular thing happens", "Mortgage Discharge Fee (275) — charged when a particular thing happens", "Construction Progress Inspection (0) — charged when a particular thing happens", "1st Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 600108.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/5efe925e-6e43-4f4c-ba32-61c04d569b20" }, { "rank": 122, "lender": "Qudos Bank", "product": "Low Cost Value Package", "product_id": "839c8344-d6dc-42c7-a068-8e7b0347ea35", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0636, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3055.86, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Account Keeping 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 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)" ], "charged_only_if_something_happens": [ "Redraw Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 600108.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/839c8344-d6dc-42c7-a068-8e7b0347ea35" }, { "rank": 122, "lender": "Suncorp Bank", "product": "Standard Variable Rate - Home Package Plus Special Offers", "product_id": "STV150K+", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0653, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0656, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0613, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 60%" } ], "monthly_repayment": 3055.86, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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", "Guarantor Fee (200) — charged when a particular thing happens", "Loan Finalisation Fee (350) — charged when a particular thing happens", "Progressive Funding Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 600108.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/STV150K%2B" }, { "rank": 125, "lender": "Bendigo Bank", "product": "Bendigo Flex Home Loan (Retail)", "product_id": "01eda1f9-5f8d-4899-b74c-2be3c330f391", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0638, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0688, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3055.86, "fees": { "upfront": 498, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for" ] }, "cost_over_window": 600606.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Break Cost 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\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01eda1f9-5f8d-4899-b74c-2be3c330f391" }, { "rank": 125, "lender": "Bendigo Bank", "product": "Bendigo Flex Home Loan", "product_id": "7a5853d0-6ef4-4c90-9e22-1c091c0de69d", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0636, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0688, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3055.86, "fees": { "upfront": 498, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Duplicate Fee (16.5) — charged when a particular thing happens", "Default Fee (35) — charged when a particular thing happens", "Variation Fee (250) — charged when a particular thing happens", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 600606.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Break Cost 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\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/7a5853d0-6ef4-4c90-9e22-1c091c0de69d" }, { "rank": 127, "lender": "Bendigo Bank", "product": "Bendigo Complete Home Loan", "product_id": "bb5b4f2b-f44a-4a44-a59f-e65a01e243ab", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0688, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3055.86, "fees": { "upfront": 850, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)", "Documentation Fee" ], "charged_only_if_something_happens": [ "Valuation Fee — charged when a particular thing happens", "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Agent Lodgement Fee (125) — charged when a particular thing happens", "Break Cost Fee and Prepayment Fee — charged when a particular thing happens", "Variation Fee - Simple (150) — charged when a particular thing happens", "Variation Fee - Complex (300) — charged when a particular thing happens", "Switch Loan Type Fee — 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 per payment", "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" ] }, "cost_over_window": 600958.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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", "the fee \"Switch Loan Type 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 \"Switch Loan Type Fee\", so what it costs is unknown and is not being read as nothing", "the fee \"Documentation 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 \"Documentation Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bb5b4f2b-f44a-4a44-a59f-e65a01e243ab" }, { "rank": 127, "lender": "Bendigo Bank", "product": "First Home Buyers (Bendigo Complete Home Loan)", "product_id": "226ef88a-2979-4608-9288-4357f9aaa26d", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3055.86, "fees": { "upfront": 850, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)", "Documentation Fee" ], "charged_only_if_something_happens": [ "Valuation Fee — charged when a particular thing happens", "Manual Redraw Fee (0) — 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", "Break Cost Fee and Prepayment Fee — charged when a particular thing happens", "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 per payment", "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" ] }, "cost_over_window": 600958.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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", "the fee \"Documentation 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 \"Documentation Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/226ef88a-2979-4608-9288-4357f9aaa26d" }, { "rank": 129, "lender": "Defence Bank Limited", "product": "DHOAS Premier Low Rate", "product_id": "842", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0619, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Solicitors and other parties actioning requests (may be payable) (0) — charged when a particular thing happens", "Security discharge administration fee (250) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens" ] }, "cost_over_window": 601277.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/842" }, { "rank": 129, "lender": "NAB", "product": "NAB Tailored Home Loan", "product_id": "65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0632, "lvr_band_applied": { "from": 0.7001000000000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0699, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Mortgage Discharge Fee (350) — charged when a particular thing happens", "Production of documents (150) — charged when a particular thing happens", "Company name search (40) — charged when a particular thing happens", "Business name search (40) — charged when a particular thing happens", "Rate Lock Fee (for fixed rate home loans) — charged when a particular thing happens" ] }, "cost_over_window": 601277.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/65bcb7bd-e50c-4b65-b7d7-9d5abc089a5a" }, { "rank": 129, "lender": "THE CAPRICORNIAN", "product": "Variable Rate Offset Home Loan", "product_id": "3ea18e62-9de6-4957-abc4-0d9f27a45e74", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0619, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Valuation Fee" ], "charged_only_if_something_happens": [ "Further Advance Establishment Fee (400) — charged when a particular thing happens", "Contract Variation & Consent Fee (400) — charged when a particular thing happens", "Arrears Fees - Reminder call fee (5) — charged when a particular thing happens", "Arrears Fees - Default Notice Fee (40) — charged when a particular thing happens" ] }, "cost_over_window": 601277.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/3ea18e62-9de6-4957-abc4-0d9f27a45e74" }, { "rank": 132, "lender": "Beyond Bank Australia", "product": "Home Buyers Scheme Home Loan", "product_id": "36", "rate": 0.0614, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0649, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3042.9, "fees": { "upfront": 5934.46, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Total Home Loan 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)" ], "charged_only_if_something_happens": [ "Mortgage Discharge, Settlement or Partial Discharge Fee (350) — charged when a particular thing happens", "Reg of Discharge fee - SA (204) — charged when a particular thing happens", "Redraw (staff-assisted) Fee (35) — charged per transaction", "Redraw (online) fee (0) — charged per transaction", "Default Notice Fee (20) — charged when a particular thing happens", "Rate Variation Fee (150) — charged when a particular thing happens", "Default fee on Home and Investment Loan - on the 8th day (20) — charged when a particular thing happens", "Default fee on Home and Investment Loan - every 14th day thereafter (25) — charged when a particular thing happens" ] }, "cost_over_window": 601383.04, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Hold Fixed Interest Rate\" is published as a range from 75 to 3000; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/36" }, { "rank": 133, "lender": "Bendigo Bank", "product": "Single Parents (Bendigo Complete Home Loan)", "product_id": "3c32a98c-df03-4baf-a7ad-7f7a24daef44", "rate": 0.0618, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3055.86, "fees": { "upfront": 1334, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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 per payment", "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" ] }, "cost_over_window": 601442.35, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/3c32a98c-df03-4baf-a7ad-7f7a24daef44" }, { "rank": 134, "lender": "A-Auswide Bank", "product": "BASIC HOME LOAN", "product_id": "524add2a-ea86-4639-b084-abde1082801e", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0622, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 1% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 300, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "PRINCIPAL_INCREASE_FEE_-_HOME_LOAN (300) — charged when a particular thing happens", "PROGRESS_PAYMENT_FEE (450) — charged when a particular thing happens", "SETTLEMENT_FEE (100) — charged when a particular thing happens", "VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES — charged on a cash advance", "LENDERS_MORTGAGE_INSURANCE_PREMIUM — charged on a cash advance", "PROPERTY_INSPECTION_FEE — charged on a cash advance", "DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS — charged on a cash advance", "BASIC_VARIATION_FEE (150) — charged when a particular thing happens", "COMPLEX_VARIATION_FEE (300) — charged when a particular thing happens", "REDRAW_FEE (20) — charged when a particular thing happens", "VALUATION_FEE_-_POST_SETTLEMENT — charged on a cash advance", "DEFAULT_ADMINISTRATION_FEE (40) — charged when a particular thing happens", "CONDITIONS_SUBSEQUENT_COSTS — charged on a cash advance", "RTGS_OUTWARD_PAYMENT_FEE (20) — charged per transaction", "DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT — charged on a cash advance", "MORTGAGE_RELEASE_FEE (400) — charged when a particular thing happens" ] }, "cost_over_window": 601577.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES\", 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_PREMIUM\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"PROPERTY_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 \"DOCUMENT_PREPARATION_COSTS_AND_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 \"VALUATION_FEE_-_POST_SETTLEMENT\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"CONDITIONS_SUBSEQUENT_COSTS\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e" }, { "rank": 135, "lender": "AMB Bank Product", "product": "DHOAS Rate Saver Home Loan", "product_id": "46c8855e-f50d-4344-89b7-a7b43a8802c2", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0622, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0664, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 98%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Redraw fee (per redraw) (10) — charged per transaction", "Documentation re-issue fee (100) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens" ] }, "cost_over_window": 601727.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property 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 \"Archive retrieval fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/46c8855e-f50d-4344-89b7-a7b43a8802c2" }, { "rank": 136, "lender": "P&N Bank", "product": "Basic Variable HL LVR >70-80", "product_id": "286", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0622, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 471, "annual": 0, "monthly": 0, "discharge_if_exiting": 745, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Statement Retrieval Fee (2.5) — charged to replace a card", "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" ] }, "cost_over_window": 601748.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/286" }, { "rank": 137, "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Premium Smart Home Loan", "product_id": "Premium_Smart_Home_Loan", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0625, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 497, "annual": 0, "monthly": 0, "discharge_if_exiting": 536, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 601774.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan" }, { "rank": 138, "lender": "Goulburn Murray Credit Union Co-Operative Ltd", "product": "Standard Variable Plus", "product_id": "Home_Loan-_Standard_Variable_Plus_Discount_TEST", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0635, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 95%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "HOME_LOAN_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)" ], "charged_only_if_something_happens": [ "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", "LEGAL_AGENT_GOVT_COSTS (0) — charged on a cash advance", "TOP_UP/SPLIT_LOANS (200) — charged when a particular thing happens" ] }, "cost_over_window": 601777.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Home_Loan-_Standard_Variable_Plus_Discount_TEST" }, { "rank": 139, "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Variable LVR 70-80%", "product_id": "ee616ae8-84a0-4476-a76f-c158f37970eb", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0658, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "Premier Package 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)" ], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late" ] }, "cost_over_window": 601872.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/ee616ae8-84a0-4476-a76f-c158f37970eb" }, { "rank": 139, "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Variable LVR 70-80%", "product_id": "7eeaab14-5adf-4779-acb9-92314ac74adb", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0624, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late" ] }, "cost_over_window": 601872.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/7eeaab14-5adf-4779-acb9-92314ac74adb" }, { "rank": 141, "lender": "UNITY BANK", "product": "Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO", "product_id": "L23_80LVR_OCC_PRIN", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0624, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 601877.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_80LVR_OCC_PRIN" }, { "rank": 141, "lender": "UNITY BANK", "product": "Advantage Home Loan - Owner Occupied - Variable P&I - With Offset", "product_id": "L34_ADVL_OO_PRIN_WO", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0624, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_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_-_PEXA_SERVICE_FEE (0) — charged on a cash advance", "MORTGAGE_DISCHARGE_-_REGISTRATION_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" ] }, "cost_over_window": 601877.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_OO_PRIN_WO" }, { "rank": 143, "lender": "Health Professionals Bank", "product": "Your Way Plus Home Loan", "product_id": "f75c593b-d3f9-4100-993b-f997b8f244f0", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0649, "lvr_band_applied": { "from": 0.700001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 650, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 601927.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/f75c593b-d3f9-4100-993b-f997b8f244f0" }, { "rank": 143, "lender": "Teachers Mutual Bank", "product": "Your Way Plus Home Loan", "product_id": "07ada07f-af4d-4cab-b456-6b34b727871c", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0649, "lvr_band_applied": { "from": 0.700001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 650, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 601927.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/07ada07f-af4d-4cab-b456-6b34b727871c" }, { "rank": 143, "lender": "UniBank", "product": "Your Way Plus Home Loan", "product_id": "41bc052c-1df4-4dfe-88bb-2568bf515fe1", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0649, "lvr_band_applied": { "from": 0.700001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 650, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "ACCOUNT_FUNCTIONS (2.5) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 601927.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/41bc052c-1df4-4dfe-88bb-2568bf515fe1" }, { "rank": 146, "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Home Loan", "product_id": "8d49a6f6-b3af-4901-b0c8-9e159b21b4d7", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0649, "lvr_band_applied": { "from": 0.700001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 651, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 601928.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/8d49a6f6-b3af-4901-b0c8-9e159b21b4d7" }, { "rank": 147, "lender": "Australian Mutual Bank", "product": "Your Way Plus Home Loan", "product_id": "2354d51c-1e71-11f1-8ca2-325096b39f47", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0649, "lvr_band_applied": { "from": 0.700001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 850, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)" ], "charged_only_if_something_happens": [ "LOAN_VARIATION_FEE (200) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for" ] }, "cost_over_window": 602127.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47" }, { "rank": 148, "lender": "My State PM Production", "product": "Special Residential Variable Loan", "product_id": "b83165c5-e1bc-4c08-9de0-4443be5ca14d", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0624, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0739, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 100%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 61% to 70%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Title production (150) — charged when a particular thing happens", "Letter of Variation (150) — charged when a particular thing happens", "Copy of Title (30) — charged when a particular thing happens", "Subsequent dealing (150) — charged when a particular thing happens", "Mortgage discharge (380) — charged when a particular thing happens", "Dishonour and Rejection fee (per dishonour) (5) — charged when a particular thing happens", "Cheques deposited and dishonoured (per cheque) (20) — charged when a particular thing happens", "Arrears Administration Fee (30) — charged when a particular thing happens", "Overdrawn Administration Fee (30) — charged when a particular thing happens", "Other default notices (30) — charged when a particular thing happens", "Non-insurance Renewal Service expense (25) — charged when a particular thing happens", "Fixed Rate Lock In Fee. — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Mortgage preparation (95) — charged when a particular thing happens", "Progressive draw (per draw) (150) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Demand notices (30) — charged when a particular thing happens" ] }, "cost_over_window": 602477.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/b83165c5-e1bc-4c08-9de0-4443be5ca14d" }, { "rank": 149, "lender": "Greater Bank", "product": "Discounted Ultimate Packaged Home Loan - Variable Owner Occupied", "product_id": "3545", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0656, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "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)" ], "charged_only_if_something_happens": [ "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", "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" ] }, "cost_over_window": 602507.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3545" }, { "rank": 150, "lender": "FIRST OPTION BANK", "product": "SIMPLE HOME LOAN", "product_id": "SIMPLE_HOME_LOAN", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0619, "lvr_band_applied": { "from": 0.700001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0599, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "CONTRACTVARIATION (150) — charged when a particular thing happens", "LEGALFEES (0) — charged on a cash advance", "LOANADMIN (250) — charged when a particular thing happens", "LOANCONSENT (400) — charged when a particular thing happens", "MORTGAGEDISCHARGE (175) — charged on a cash advance", "SECURITYGUARANTEE (250) — charged on a cash advance", "SECURITYSUBSTITUTION (250) — charged on a cash advance", "TITLEPRODUCTION (150) — charged on a cash advance", "GOVERNMENTFEESCHARGES (0) — charged on a cash advance" ] }, "cost_over_window": 602527.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/SIMPLE_HOME_LOAN" }, { "rank": 151, "lender": "My State PM Production", "product": "Basic Variable Loan", "product_id": "fb4d69dc-3c6f-4881-b119-e7ef24574402", "rate": 0.0619, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0622, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 61% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0729, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 100%" }, { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 1900, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Mortgage preparation (95) — charged when a particular thing happens", "Progressive draw (per draw) (150) — charged when a particular thing happens", "Subsequent dealing (150) — charged when a particular thing happens", "Title production (150) — charged when a particular thing happens", "Letter of Variation (150) — charged when a particular thing happens", "Copy of Title (30) — charged when a particular thing happens", "Mortgage discharge (380) — charged when a particular thing happens", "Dishonour and Rejection fee (per dishonour) (5) — charged when a particular thing happens", "Arrears Administration Fee (30) — charged when a particular thing happens", "Cheques deposited and dishonoured (per cheque) (20) — charged when a particular thing happens", "Overdrawn Administration Fee (30) — charged when a particular thing happens", "Other default notices (30) — charged when a particular thing happens", "Non-insurance Renewal Service expense (25) — charged when a particular thing happens", "Demand notices (30) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Non-insurance Renewal Service expense (25) — charged when a particular thing happens", "Additional Valuation Fee (per each additional security) (200) — charged when a particular thing happens", "Mortgage preparation (95) — charged when a particular thing happens", "Subsequent dealing (150) — charged when a particular thing happens", "Title production (150) — charged when a particular thing happens", "Progressive draw (per draw) (150) — charged when a particular thing happens", "Letter of Variation (150) — charged when a particular thing happens", "Copy of Title (30) — charged when a particular thing happens", "Mortgage discharge (380) — charged when a particular thing happens", "Dishonour and Rejection fee (per dishonour) (5) — charged when a particular thing happens", "Cheques deposited and dishonoured (per cheque) (20) — charged when a particular thing happens", "Overdrawn Administration Fee (30) — charged when a particular thing happens", "Other default notices (30) — charged when a particular thing happens", "Demand notices (30) — charged when a particular thing happens", "Non-insurance Renewal Service expense (25) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Arrears Administration Fee (30) — charged when a particular thing happens" ] }, "cost_over_window": 603177.15, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/fb4d69dc-3c6f-4881-b119-e7ef24574402" }, { "rank": 152, "lender": "Coastline", "product": "Options Home Loan", "product_id": "34", "rate": 0.0619, "rate_type": "INTRODUCTORY", "fixed_years": null, "comparison_rate_published_by_lender": 0.0834, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0569, "lendingRateType": "INTRODUCTORY", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0639, "lendingRateType": "INTRODUCTORY", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 1940, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Loan Renegotiation Fee (150) — charged when a particular thing happens", "Loan Switching Fee (200) — 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" ] }, "cost_over_window": 603217.15, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/34" }, { "rank": 153, "lender": "bcu", "product": "Offset Home Loan LVR >60-80", "product_id": "253", "rate": 0.0623, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0626, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3072.09, "fees": { "upfront": 471, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Statement Retrieval Fee (2.5) — charged to replace a card", "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", "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" ] }, "cost_over_window": 606418.28, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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 \"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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/253" }, { "rank": 154, "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%", "product_id": "L31_12_OO_V_PI", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.063, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 607123.88, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_12_OO_V_PI" }, { "rank": 154, "lender": "Defence Bank Limited", "product": "Premier Low Rate", "product_id": "843", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0624, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Solicitors and other parties actioning requests (may be payable) (0) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Security discharge administration fee (250) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens" ] }, "cost_over_window": 607123.88, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/843" }, { "rank": 156, "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE <60 LVR PI", "product_id": "L21_CLASSIC_PI_60", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0595, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "ACCOUNT_KEEPING_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)", "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)" ], "charged_only_if_something_happens": [ "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", "LOAN_SWITCHING_FEE (200) — 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" ] }, "cost_over_window": 607323.88, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60" }, { "rank": 157, "lender": "Bankwest", "product": "Complete Variable Home Loan Package", "product_id": "07c7d553c79c4e23aa388d178b589a61", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0663, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0649, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0689, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0837, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 98%" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 576.34, "could_not_be_priced": [ "Mortgage Registration Fee", "Discharge of Pre-existing Mortgage Registration Fee", "Complete Home Loan 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)", "Lenders Mortgage Insurance" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged per transaction", "Arrears Notice Fee (35) — charged when a particular thing happens", "Legal Fees — charged when a particular thing happens", "Transfer of Land Registration Fee — charged when a particular thing happens", "Third Party Fees (including legal fees) Associated with the Discharge — charged when a particular thing happens", "Security Assessment Fee — charged when a particular thing happens", "Title Production Fee (130) — charged when a particular thing happens", "Search Handling Fee (40) — charged when a particular thing happens", "Progress Payment Fee (80) — charged when a particular thing happens", "Home Loan Portability Fee (350) — charged if the contract is varied", "Default Administration Fee (50) — charged when a particular thing happens", "Loan Increase Fee (295) — charged if the contract is varied" ] }, "cost_over_window": 607473.88, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"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 \"Mortgage 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 \"Discharge of Pre-existing Mortgage 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 \"Transfer of Land 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 \"Third Party Fees (including legal fees) Associated with the Discharge\", so what it costs is unknown and is not being read as nothing", "the fee \"Discharge of Mortgage Registration Fee\" is published as a range from 135.8 to 238.14; the top of it is carried, because the bottom would understate what the consumer may be charged", "no amount or rate could be read for the fee \"Security Assessment 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/07c7d553c79c4e23aa388d178b589a61" }, { "rank": 158, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN", "product_id": "L56_BASIC_VARIABLE_OO", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "VALUATION_FEE — 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", "AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance", "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance", "SETTLEMENT_AGENT_FEES — charged on a cash advance", "LAND_TITLES_OFFICE_REGISTRATION_FEES — charged on a cash advance" ] }, "cost_over_window": 607518.88, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L56_BASIC_VARIABLE_OO" }, { "rank": 159, "lender": "Bankwest", "product": "Bankwest Simple Home Loan", "product_id": "a89c13433bc142f9a6c659dcc1961abd", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0627, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0689, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0837, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0649, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 1045, "annual": 0, "monthly": 0, "discharge_if_exiting": 576.34, "could_not_be_priced": [ "Mortgage Registration Fee", "Discharge of Pre-existing Mortgage Registration Fee", "Lenders Mortgage Insurance" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged per transaction", "Arrears Notice Fee (35) — charged when a particular thing happens", "Legal Fees — charged when a particular thing happens", "Transfer of Land Registration Fee — charged when a particular thing happens", "Third Party Fees (including legal fees) Associated with the Discharge — charged when a particular thing happens", "Security Assessment Fee — charged when a particular thing happens", "Title Production Fee (130) — charged when a particular thing happens", "Search Handling Fee (40) — charged when a particular thing happens", "Progress Payment Fee (80) — charged when a particular thing happens", "Home Loan Portability Fee (350) — charged if the contract is varied", "Default Administration Fee (50) — charged when a particular thing happens", "Loan Increase Fee (295) — charged if the contract is varied" ] }, "cost_over_window": 608168.88, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"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 \"Mortgage 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 \"Discharge of Pre-existing Mortgage 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 \"Transfer of Land 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 \"Third Party Fees (including legal fees) Associated with the Discharge\", so what it costs is unknown and is not being read as nothing", "the fee \"Discharge of Mortgage Registration Fee\" is published as a range from 135.8 to 238.14; the top of it is carried, because the bottom would understate what the consumer may be charged", "no amount or rate could be read for the fee \"Security Assessment 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/a89c13433bc142f9a6c659dcc1961abd" }, { "rank": 160, "lender": "ANZ Plus", "product": "ANZ Plus Home Loan Variable", "product_id": "HLVAR01", "rate": 0.0625, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0626, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3078.59, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "LATE PAYMENT FEE (20) — charged when a particular thing happens", "ANZ LOAN DISCHARGE FEE (350) — charged when a particular thing happens", "PRODUCTION FEE (150) — charged when a particular thing happens", "REGISTRATION OF MORTGAGE — something the standard has no type for", "DISCHARGE OF MORTGAGE — something the standard has no type for" ] }, "cost_over_window": 608288.19, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"DISCHARGE OF MORTGAGE\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdr.apix.anz/cds-au/v1/banking/products/HLVAR01" }, { "rank": 161, "lender": "FIRST OPTION BANK", "product": "COMPLETE PACKAGE HOME LOAN", "product_id": "COMPLETE_PACKAGE_HOME_LOAN", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0659, "lvr_band_applied": { "from": 0.700001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "PACKAGE_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)" ], "charged_only_if_something_happens": [ "MORTGAGEDISCHARGE (175) — charged on a cash advance", "CONTRACTVARIATION (150) — charged when a particular thing happens", "LEGALFEES (0) — charged on a cash advance", "LOANADMIN (250) — charged when a particular thing happens", "LOANCONSENT (400) — charged when a particular thing happens", "MORTGAGEDISCHARGE (175) — charged on a cash advance", "SECURITYGUARANTEE (250) — charged on a cash advance", "SECURITYSUBSTITUTION (250) — charged on a cash advance", "TITLEPRODUCTION (150) — charged on a cash advance", "GOVERNMENTFEESCHARGES (0) — charged on a cash advance" ] }, "cost_over_window": 608373.88, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_HOME_LOAN" }, { "rank": 162, "lender": "Regional Australia Bank", "product": "Regional Australia Bank Home Loan (Offset)", "product_id": "20f4e08a-09a1-418a-85ab-287ceefd191f", "rate": 0.0625, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.061, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0615, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0715, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3078.59, "fees": { "upfront": 425, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 608713.19, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/20f4e08a-09a1-418a-85ab-287ceefd191f" }, { "rank": 163, "lender": "Coastline", "product": "Classic Home Loan", "product_id": "37", "rate": 0.0624, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0639, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 1885, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Loan Renegotiation Fee (150) — charged when a particular thing happens", "Loan Switching Fee (200) — 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" ] }, "cost_over_window": 609008.88, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/37" }, { "rank": 164, "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Owner-occupied LVR 95% (Principal and Interest)", "product_id": "GB-OOPI-LVR95", "rate": 0.0625, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3078.59, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 610388.19, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-LVR95" }, { "rank": 165, "lender": "RACQ Bank", "product": "Fair Dinkum Home Loan", "product_id": "585", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0629, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0664, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.01% to 60%" }, { "rate": 0.0644, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3091.61, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Valuation Fee — charged when a particular thing happens", "Company / Trust - Borrower / Guarantor Party Fee (150) — charged when a particular thing happens", "Substitution of Mortgage Security (350) — charged when a particular thing happens", "Default Enforcement Expenses — charged when a particular thing happens" ] }, "cost_over_window": 612974.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Default Enforcement Expenses\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/585" }, { "rank": 166, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 12 mths Interest Only Owner Occupied", "product_id": "L1_PREMIUM_FIXED_1YR_OO_IO", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 613129.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/L1_PREMIUM_FIXED_1YR_OO_IO" }, { "rank": 166, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 36 mths P&I Owner Occupied", "product_id": "L1_PREMIUM_FIXED_3YRS_OO_PI", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 613129.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/L1_PREMIUM_FIXED_3YRS_OO_PI" }, { "rank": 166, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 36 mths Interest Only Owner Occupied", "product_id": "L1_PREMIUM_FIXED_3YRS_OO_IO", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 613129.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/L1_PREMIUM_FIXED_3YRS_OO_IO" }, { "rank": 166, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 24 mths P&I Owner Occupied", "product_id": "L1_PREMIUM_FIXED_2YR_OO_PI", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 613129.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/L1_PREMIUM_FIXED_2YR_OO_PI" }, { "rank": 166, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 24 mths Interest Only Owner Occupied", "product_id": "L1_PREMIUM_FIXED_2YRS_OO_IO", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 613129.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/L1_PREMIUM_FIXED_2YRS_OO_IO" }, { "rank": 166, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 12 mths P&I Owner Occupied", "product_id": "L1_PREMIUM_FIXED_1YR_OO_PI", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 613129.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/L1_PREMIUM_FIXED_1YR_OO_PI" }, { "rank": 172, "lender": "AFG Home Loans Alpha", "product": "AFG Alpha Basic Home Loan", "product_id": "caca2557-9a23-4a8a-9648-09699d765a3c", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3091.61, "fees": { "upfront": 199, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Admin 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)" ], "charged_only_if_something_happens": [ "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Variation Fee (250) — 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" ] }, "cost_over_window": 613173.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/caca2557-9a23-4a8a-9648-09699d765a3c" }, { "rank": 172, "lender": "Aussie Home Loans", "product": "Aussie Elevate Basic Home Loan", "product_id": "181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3091.61, "fees": { "upfront": 199, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Admin 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)" ], "charged_only_if_something_happens": [ "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Variation Fee (250) — 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" ] }, "cost_over_window": 613173.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.aussie.app.bendigobank.com.au/cds-au/v1/banking/products/181cc6ca-bfe1-4f7e-8de8-ddbe9e7dd1d0" }, { "rank": 172, "lender": "Connective Select Home Loans", "product": "Connective Select Basic Home Loan", "product_id": "6afe8345-df21-4a4c-8017-16ef2dda2c91", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" } ], "monthly_repayment": 3091.61, "fees": { "upfront": 199, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Admin 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)" ], "charged_only_if_something_happens": [ "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Variation Fee (250) — 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" ] }, "cost_over_window": 613173.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/6afe8345-df21-4a4c-8017-16ef2dda2c91" }, { "rank": 175, "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE 60-80 LVR PI", "product_id": "L21_CLASSIC_PI_60_80", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.06, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "ACCOUNT_KEEPING_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)", "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)" ], "charged_only_if_something_happens": [ "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", "LOAN_SWITCHING_FEE (200) — 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" ] }, "cost_over_window": 613174.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60_80" }, { "rank": 176, "lender": "AMB Bank Product", "product": "RateSaver Home Loan", "product_id": "fd4ed454-477c-4723-bda8-8c03e4331393", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0632, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 98%" }, { "rate": 0.0649, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" } ], "monthly_repayment": 3091.61, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Mortgage discharge fee (120) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Redraw fee (per redraw) (10) — charged per transaction", "Consent fee (250) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens" ] }, "cost_over_window": 613424.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property 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 \"Archive retrieval fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/fd4ed454-477c-4723-bda8-8c03e4331393" }, { "rank": 176, "lender": "Dnister Bank", "product": "Simple Home Loan", "product_id": "32", "rate": 0.0629, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0668, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Redraw Fee (0) — charged per transaction" ] }, "cost_over_window": 613424.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/32" }, { "rank": 178, "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "Professional Package", "product_id": "AMP_PROFESSIONAL_PACKAGE_HL", "rate": 0.0628, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0669, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0699, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0628, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0628, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50% to 60%" }, { "rate": 0.0628, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0727, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0749, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3088.35, "fees": { "upfront": 3743, "annual": 0, "monthly": 0, "discharge_if_exiting": 490, "could_not_be_priced": [ "Fixed rate lock fee (charged as a rate of 0.0015 on transaction, which this reader does not turn into an amount)", "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)", "$0 Professional package 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)" ], "charged_only_if_something_happens": [ "Valuation fee — charged when a particular thing happens", "Rework fee (249) — charged when a particular thing happens", "Break costs — charged when a particular thing happens", "Verification of identity by Australia Post — charged when a particular thing happens", "Payment dishonour fees — charged when a payment is dishonoured", "Solicitors' and mortgage processing servicers' incidental costs (82.5) — charged when a particular thing happens", "Solicitor or mortgage processing servicer non-standard additional costs — charged when a particular thing happens", "International ATM cash withdrawal fee (4.5) — charged per withdrawal", "Currency conversion fee — charged per transaction", "Emergency replacement AMP Visa Debit Card fee (15) — charged to replace a card", "Telegraphic transfer fee - deposits (30) — charged per deposit", "Telegraphic transfer fee - withdrawals (30) — charged per withdrawal", "Transaction trace fee (20) — charged when a particular thing happens", "Visa dispute fee (25) — charged when a particular thing happens", "Audit certificate fee (25) — charged when a particular thing happens", "$0 Professional Package variation fee (0) — charged when a particular thing happens", "$0 Professional package redraw fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 615547.26, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 field carries the word \"null\" rather than a number", "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 — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Verification of identity by Australia Post\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Payment dishonour fees\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Solicitor or mortgage processing servicer non-standard additional costs\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_PROFESSIONAL_PACKAGE_HL" }, { "rank": 179, "lender": "Cairns Bank", "product": "PLUS HOME LOAN VARIABLE <60 LVR", "product_id": "L25_PLUS_PI_VAR_60", "rate": 0.0634, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0627, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3107.91, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 618850.48, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_60" }, { "rank": 180, "lender": "AMB Bank Product", "product": "DHOAS Value Home Loan", "product_id": "bfeb8fed-eba0-4f9d-a53f-1bad25f325cf", "rate": 0.0634, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0654, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 98%" } ], "monthly_repayment": 3107.91, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Document re-issue fee (100) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Redraw fee (per redraw) (10) — charged per transaction", "RateSaver Switch Fee (100) — charged when a particular thing happens" ] }, "cost_over_window": 619300.48, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Archive retrieval 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 fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/bfeb8fed-eba0-4f9d-a53f-1bad25f325cf" }, { "rank": 181, "lender": "AFG Home Loans Alpha", "product": "AFG Alpha Offset Home Loan", "product_id": "47ff39a2-9935-4c15-a998-5abfa6424433", "rate": 0.0634, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0652, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3107.91, "fees": { "upfront": 498, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Admin 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)" ], "charged_only_if_something_happens": [ "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Variation Fee (250) — 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 per transaction" ] }, "cost_over_window": 619348.48, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/47ff39a2-9935-4c15-a998-5abfa6424433" }, { "rank": 181, "lender": "Aussie Home Loans", "product": "Aussie Elevate Offset Home Loan", "product_id": "a78d461b-4e4b-4b0b-8f8a-64f24f5ac15d", "rate": 0.0634, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0652, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3107.91, "fees": { "upfront": 498, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Admin 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)" ], "charged_only_if_something_happens": [ "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Variation Fee (250) — 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 per transaction" ] }, "cost_over_window": 619348.48, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.aussie.app.bendigobank.com.au/cds-au/v1/banking/products/a78d461b-4e4b-4b0b-8f8a-64f24f5ac15d" }, { "rank": 181, "lender": "Connective Select Home Loans", "product": "Connective Select Offset Home Loan", "product_id": "5514a8a6-855d-4563-8650-795115b26c86", "rate": 0.0634, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0652, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 50%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 50.01% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3107.91, "fees": { "upfront": 498, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Admin 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)" ], "charged_only_if_something_happens": [ "Online Redraw Fee (0) — charged when a particular thing happens", "Manual Redraw Fee (0) — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Variation Fee (250) — 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 per transaction" ] }, "cost_over_window": 619348.48, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/5514a8a6-855d-4563-8650-795115b26c86" }, { "rank": 184, "lender": "LCU", "product": "Intelligent Mortgage Variable", "product_id": "Intelligent_Mortgage_Variable", "rate": 0.0635, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "VALUATION_FEE — charged on a cash advance", "SOLICITORS_FEES — charged on a cash advance", "REGISTRATION_FEES — charged on a cash advance", "PEXA_ELECTRONIC_LODGEMENT_FEE — charged on a cash advance", "CONTRACT_VARIATION_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_SOLICITORS_FEE — charged on a cash advance", "LENDERS_MORTGAGE_INSURANCE — charged on a cash advance", "OTHER_CERTIFICATES_AND_REPORTS — charged on a cash advance", "LAND_TITLE_SEARCH — charged on a cash advance", "CONSENT_FOR_A_SECOND_MORTGAGE — charged on a cash advance", "RTGS_TRANSFER_FEE (15) — charged per transaction" ] }, "cost_over_window": 620223.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_Variable" }, { "rank": 184, "lender": "LCU", "product": "First Home Buyer Loan Variable", "product_id": "First_Home_Buyer_Loan_Variable", "rate": 0.0635, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0623, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "VALUATION_FEE — charged on a cash advance", "SOLICITORS_FEES — charged on a cash advance", "REGISTRATION_FEES — charged on a cash advance", "PEXA_ELECTRONIC_LODGEMENT_FEE — charged on a cash advance", "CONTRACT_VARIATION_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_SOLICITORS_FEE — charged on a cash advance", "LENDERS_MORTGAGE_INSURANCE — charged on a cash advance", "OTHER_CERTIFICATES_AND_REPORTS — charged on a cash advance", "LAND_TITLE_SEARCH — charged on a cash advance", "CONSENT_FOR_A_SECOND_MORTGAGE — charged on a cash advance", "RTGS_TRANSFER_FEE (15) — charged per transaction" ] }, "cost_over_window": 620223.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/First_Home_Buyer_Loan_Variable" }, { "rank": 184, "lender": "LCU", "product": "Intelligent Mortgage 2 Years Fixed", "product_id": "Intelligent_Mortgage_2_Years_Fixed", "rate": 0.0635, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "VALUATION_FEE — charged on a cash advance", "SOLICITORS_FEES — charged on a cash advance", "REGISTRATION_FEES — charged on a cash advance", "PEXA_ELECTRONIC_LODGEMENT_FEE — charged on a cash advance", "CONTRACT_VARIATION_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_SOLICITORS_FEE — charged on a cash advance", "LENDERS_MORTGAGE_INSURANCE — charged on a cash advance", "OTHER_CERTIFICATES_AND_REPORTS — charged on a cash advance", "LAND_TITLE_SEARCH — charged on a cash advance", "CONSENT_FOR_A_SECOND_MORTGAGE — charged on a cash advance", "RTGS_TRANSFER_FEE (15) — charged per transaction" ] }, "cost_over_window": 620223.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_2_Years_Fixed" }, { "rank": 184, "lender": "LCU", "product": "Intelligent Mortgage 1 Year Fixed", "product_id": "Intelligent_Mortgage_1_Year_Fixed", "rate": 0.0635, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "VALUATION_FEE — charged on a cash advance", "SOLICITORS_FEES — charged on a cash advance", "REGISTRATION_FEES — charged on a cash advance", "PEXA_ELECTRONIC_LODGEMENT_FEE — charged on a cash advance", "CONTRACT_VARIATION_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_SOLICITORS_FEE — charged on a cash advance", "LENDERS_MORTGAGE_INSURANCE — charged on a cash advance", "OTHER_CERTIFICATES_AND_REPORTS — charged on a cash advance", "LAND_TITLE_SEARCH — charged on a cash advance", "CONSENT_FOR_A_SECOND_MORTGAGE — charged on a cash advance", "RTGS_TRANSFER_FEE (15) — charged per transaction" ] }, "cost_over_window": 620223.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Intelligent_Mortgage_1_Year_Fixed" }, { "rank": 188, "lender": "P&N Bank", "product": "Offset Variable HL>70-80", "product_id": "288", "rate": 0.0635, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0638, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 471, "annual": 0, "monthly": 0, "discharge_if_exiting": 745, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Statement Retrieval Fee (2.5) — charged to replace a card", "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" ] }, "cost_over_window": 620494.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/288" }, { "rank": 189, "lender": "Bank of Melbourne", "product": "Basic Variable Home Loan", "product_id": "BOMHLBasic", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late" ] }, "cost_over_window": 624729.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLBasic" }, { "rank": 189, "lender": "BankSA", "product": "Basic Variable Home Loan", "product_id": "BSAHLBasic", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late" ] }, "cost_over_window": 624729.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLBasic" }, { "rank": 189, "lender": "Cairns Bank", "product": "PLUS HOME LOAN VARIABLE 60-80 LVR PI", "product_id": "L25_PLUS_PI_VAR_60_80", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0632, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 624729.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_60_80" }, { "rank": 189, "lender": "St. George Bank", "product": "Basic Variable Home Loan", "product_id": "STGHLBasic", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late" ] }, "cost_over_window": 624729.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic" }, { "rank": 193, "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Variable", "product_id": "PREMIUM_HOME_LOAN", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0644, "lvr_band_applied": { "from": 0.600001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80% to no stated maximum" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 155, "annual": 0, "monthly": 0, "discharge_if_exiting": 200, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SWITCH_FEE (250) — charged when a particular thing happens" ] }, "cost_over_window": 624884.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN" }, { "rank": 194, "lender": "RACQ Bank", "product": "Mortgage Saver Home Loan", "product_id": "575", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0643, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0674, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.01% to 60%" }, { "rate": 0.0654, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Substitution of Mortgage Security (350) — charged when a particular thing happens", "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee (150) — charged when a particular thing happens", "Loan Document Fee - Top Up (350) — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens", "Default Enforcement Expenses — charged when a particular thing happens" ] }, "cost_over_window": 625279.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Default Enforcement Expenses\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/575" }, { "rank": 195, "lender": "QBANK", "product": "Classic Home Loan", "product_id": "ClassicHomeLoan", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0641, "lvr_band_applied": { "from": 0.8, "to": 0.899999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0609, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 70% to 80%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 1190, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "PAPER_REDRAW_FEE (25) — charged when a particular thing happens", "TOP_UP_FEE (200) — charged when a particular thing happens", "ADDITIONAL_SECURITY_FEE (185) — charged when a particular thing happens", "SPLIT_LOAN_FEE (25) — charged when a particular thing happens" ] }, "cost_over_window": 625919.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/ClassicHomeLoan" }, { "rank": 196, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "BP-OOPI-LVR95", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0676, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 626229.74, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-LVR95" }, { "rank": 197, "lender": "WARWICK CREDIT UNION", "product": "ESSENTIAL HOME LOAN", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST", "rate": 0.0639, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0656, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 2189.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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)", "LOAN_SERVICE_FEE_-_ESSENTIAL (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)" ], "charged_only_if_something_happens": [ "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction", "VARIATION_FEE (150) — charged per transaction" ] }, "cost_over_window": 626919.57, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPAL_AND_INTEREST" }, { "rank": 198, "lender": "NAB", "product": "NAB Base Variable Rate Home Loan", "product_id": "e34c524c-6323-468f-8e20-36130e256fd5", "rate": 0.0644, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0644, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Mortgage Discharge Fee (350) — charged when a particular thing happens", "Production of documents (150) — charged when a particular thing happens", "Company name search (40) — charged when a particular thing happens", "Business name search (40) — charged when a particular thing happens" ] }, "cost_over_window": 630626.54, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/e34c524c-6323-468f-8e20-36130e256fd5" }, { "rank": 198, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Dream Home Loan Variable PI Owner Occupied", "product_id": "NICUL33V_PI", "rate": 0.0644, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 630626.54, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 90; 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33V_PI" }, { "rank": 198, "lender": "The Mutual Bank", "product": "Package Home Loan", "product_id": "Package_Home_Loan", "rate": 0.0644, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.068, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "PACKAGE_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)" ], "charged_only_if_something_happens": [ "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", "SWITCHING_FEE (300) — charged when a particular thing happens", "AGENTS_COSTS — charged on a cash advance", "INFORMATION_FEE (20) — charged on a cash advance", "PROGRESS_PAYMENT_FEE (100) — charged on a cash advance", "VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION) — charged on a cash advance", "VALUATION_FEE_CONSUMER_LOANS — charged on a cash advance", "BREAK_COSTS_ADMINISTRATION_FEE (300) — charged when a particular thing happens", "ROLLOVER_FEE (200) — charged when a particular thing happens", "BREAK_COSTS_HOME_LOANS — charged on a cash advance" ] }, "cost_over_window": 630626.54, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION)\", 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_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 \"BREAK_COSTS_HOME_LOANS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Package_Home_Loan" }, { "rank": 201, "lender": "Fire Service Credit Union", "product": "L26 Home Loan", "product_id": "22", "rate": 0.0644, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0645, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 521.28, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Discharge Mortgage Amin 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" ] }, "cost_over_window": 631147.82, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/22" }, { "rank": 202, "lender": "Dnister Bank", "product": "Simple Home Loan Plus", "product_id": "34", "rate": 0.0645, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0684, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3143.92, "fees": { "upfront": 864.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Annual Fee Intro Var HL Pkg (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)" ], "charged_only_if_something_happens": [ "Redraw Fee (25) — charged per transaction", "Redraw Fee (10) — charged per transaction", "Redraw Fee (0) — charged per transaction", "Split Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 632672.2, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/34" }, { "rank": 203, "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE 80-90 LVR PI", "product_id": "L21_CLASSIC_PI_80_90", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "ACCOUNT_KEEPING_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)", "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)" ], "charged_only_if_something_happens": [ "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", "LOAN_SWITCHING_FEE (200) — 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" ] }, "cost_over_window": 636740.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_80_90" }, { "rank": 204, "lender": "QBANK", "product": "Classic Plus Home Loan", "product_id": "ClassicPlusHomeLoan", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0676, "lvr_band_applied": { "from": 0.8, "to": 0.899999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0614, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0624, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 70% to 80%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90% to 95%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 295, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "PACKAGE_FEE_-_CLASSIC_PLUS_ONLY (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)" ], "charged_only_if_something_happens": [ "PAPER_REDRAW_FEE (25) — charged when a particular thing happens", "ADDITIONAL_SECURITY_FEE (185) — charged when a particular thing happens" ] }, "cost_over_window": 636835.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/ClassicPlusHomeLoan" }, { "rank": 205, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "STANDARD VARIABLE LOAN", "product_id": "L79_STANDARD_VARIABLE_HOME_LOAN", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0659, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance", "VALUATION_FEE — charged on a cash advance", "DISCHARGE_FEE — charged on a cash advance", "DEFAULT_NOTICE (55) — charged per transaction", "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance", "SETTLEMENT_AGENT_FEES — charged on a cash advance", "LAND_TITLES_OFFICE_REGISTRATION_FEES — 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" ] }, "cost_over_window": 636935.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L79_STANDARD_VARIABLE_HOME_LOAN" }, { "rank": 206, "lender": "AMB Bank Product", "product": "Value Home Loan", "product_id": "7dd3439b-b680-482a-a4ba-6946393ece39", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0652, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 91% to 98%" }, { "rate": 0.0629, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0669, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 81% to 90%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "RateSaver Switch Fee (100) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Document re-issue fee (100) — charged when a particular thing happens", "Redraw fee (per redraw) (10) — charged per transaction", "Default notice fee (30) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens" ] }, "cost_over_window": 636990.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Archive retrieval 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 fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/7dd3439b-b680-482a-a4ba-6946393ece39" }, { "rank": 207, "lender": "RACQ Bank", "product": "Mortgage Breaker Owner Occupied", "product_id": "572", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0653, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0644, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0684, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" }, { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.01% to 60%" }, { "rate": 0.0664, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Loan Document Fee - Top Up (350) — charged when a particular thing happens", "Default Enforcement Expenses — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens", "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee (150) — charged when a particular thing happens", "Substitution of Mortgage Security (350) — charged when a particular thing happens" ] }, "cost_over_window": 637090.85, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Default Enforcement Expenses\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/572" }, { "rank": 208, "lender": "Bank of Melbourne", "product": "Variable Home Loan with Offset", "product_id": "BOMHLStandardVariable", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0686, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0869, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium", "Annual Advantage 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)" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late" ] }, "cost_over_window": 637140.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLStandardVariable" }, { "rank": 208, "lender": "BankSA", "product": "Variable Home Loan with Offset", "product_id": "BSAHLStandardVariable", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0686, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.087, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium", "Annual Advantage 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)" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late" ] }, "cost_over_window": 637140.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLStandardVariable" }, { "rank": 208, "lender": "St. George Bank", "product": "Variable Home Loan with Offset", "product_id": "STGHLStandardVariable", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0686, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0871, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium", "Annual Advantage 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)" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late" ] }, "cost_over_window": 637140.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLStandardVariable" }, { "rank": 208, "lender": "Westpac", "product": "Rocket Loan : Variable Home Loan with Offset (Owner Occupied)", "product_id": "HLVariableOffsetOwnerOccupied", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0686, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0873, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Monthly Loan 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)", "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)", "Lenders Mortgage Insurance Premium" ], "charged_only_if_something_happens": [ "Bank Cheque Issuance Fee (10) — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late", "Document Processing Fee (100) — charged when a particular thing happens", "Account Overdrawn Fee (15) — charged when a particular thing happens", "Stop Payment Fee (12) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Extra repayments (0) — charged when a particular thing happens", "Redraw (0) — charged when a particular thing happens", "Repayment holidays or Reduced Repayments (0) — charged when a particular thing happens", "Construction loan option (0) — charged when a particular thing happens", "Portability option (0) — charged when a particular thing happens", "Loan switching (0) — charged when a particular thing happens" ] }, "cost_over_window": 637140.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Lenders Mortgage 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 \"Property Valuer Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLVariableOffsetOwnerOccupied" }, { "rank": 212, "lender": "CommBank", "product": "Simple Home Loan (Owner Occupied)", "product_id": "b33d5f9a08c6455cbda5c52c40e878a5", "rate": 0.0649, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0674, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0634, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0679, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0774, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 800, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)", "Offset Feature 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)" ], "charged_only_if_something_happens": [ "Settlement Fee (200) — charged when a particular thing happens", "Settlement Cheque Fee (30) — charged when a particular thing happens", "Late Payment Fee (20) — charged when a payment is late", "Settlement Fee (Discharge) (350) — charged when a particular thing happens", "Additional Security Fee (150) — charged when a particular thing happens", "Periodical Payments or Transfers — charged if the contract is varied", "Security Guarantee Fee (200) — charged when a particular thing happens", "Security Substitution Fee (300) — charged when a particular thing happens", "Stop Payment Notice Fee (15) — charged when a particular thing happens", "Voucher Fee — charged for an enquiry", "Lenders' Mortgage Insurance/Low Deposit Premium — something the standard has no type for" ] }, "cost_over_window": 637340.85, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Establishment Fee\" is published as a range from 300 to 800; the top of it is carried, because the bottom would understate what the consumer may be charged", "no amount or rate could be read for the fee \"Periodical Payments or Transfers\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Voucher Fee\", so what it costs is unknown and is not being read as nothing", "the fee \"Lenders' Mortgage Insurance/Low Deposit Premium\" 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 \"Lenders' Mortgage Insurance/Low Deposit Premium\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.commbank.com.au/public/cds-au/v1/banking/products/b33d5f9a08c6455cbda5c52c40e878a5" }, { "rank": 213, "lender": "ANZ", "product": "ANZ Simplicity PLUS", "product_id": "544ad5cb-7e52-4a30-b1d7-a080abafbfac", "rate": 0.0654, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0654, "lvr_band_applied": { "from": 0.7001000000000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0764, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" }, { "rate": 0.0709, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0644, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 60.01% to 70%" }, { "rate": 0.0639, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3173.5, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Loan Administration Charge (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)" ], "charged_only_if_something_happens": [ "Valuation Administration Fee (0) — charged when a particular thing happens", "Guarantee Administration Fee (0) — charged when a particular thing happens", "Renegotiation Fee (Non Credit Critical) (0) — charged when a particular thing happens", "Late Payment Fee (20) — charged when a particular thing happens", "Progress Payment fee (0) — charged when a particular thing happens", "Lodgement Fee (160) — charged when a particular thing happens", "Production Fee (160) — charged when a particular thing happens", "Settlement Fee (160) — charged when a particular thing happens", "Search Fee (50) — charged when a particular thing happens", "Renegotiation Fee (Full Credit Critical) (0) — charged when a particular thing happens", "Enforcement expenses — something the standard has no type for", "Lenders Mortgage Insurance — something the standard has no type for", "Stamp Duty - Mortgage Document — something the standard has no type for", "Stamp Duty - Transfer Land — something the standard has no type for", "Other Services — something the standard has no type for", "Registration of Mortgage — something the standard has no type for", "Discharge of Mortgage — something the standard has no type for" ] }, "cost_over_window": 642465.11, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Enforcement expenses\", 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 \"Stamp Duty - Mortgage Document\", 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 - Transfer Land\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Other Services\", 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", "no amount or rate could be read for the fee \"Discharge of Mortgage\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.anz/cds-au/v1/banking/products/544ad5cb-7e52-4a30-b1d7-a080abafbfac" }, { "rank": 213, "lender": "Defence Bank Limited", "product": "DHOAS Premier Home Loan", "product_id": "802", "rate": 0.0654, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0654, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Solicitors and other parties actioning requests (may be payable) (0) — charged when a particular thing happens", "Security discharge administration fee (250) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens" ] }, "cost_over_window": 642465.11, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/802" }, { "rank": 215, "lender": "Broken Hill Bank", "product": "Choice Offset Home Loan", "product_id": "53", "rate": 0.0654, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0659, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1683.97, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 644149.08, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/53" }, { "rank": 216, "lender": "Dnister Bank", "product": "Premier Home Loan", "product_id": "21", "rate": 0.0655, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.066, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3176.8, "fees": { "upfront": 1114.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Redraw Fee (25) — charged per transaction", "Redraw Fee (10) — charged per transaction", "Redraw Fee (0) — charged per transaction" ] }, "cost_over_window": 644761.69, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/21" }, { "rank": 217, "lender": "Cairns Bank", "product": "PLUS HOME LOAN VARIABLE 80-90 LVR PI", "product_id": "L25_PLUS_PI_VAR_80_90", "rate": 0.0659, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0651, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "BANK_CHEQUE_FEE (12) — 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" ] }, "cost_over_window": 648398.97, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_80_90" }, { "rank": 217, "lender": "Defence Bank Limited", "product": "Premier Home Loan", "product_id": "803", "rate": 0.0659, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0659, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Security discharge administration fee (250) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens", "Solicitors and other parties actioning requests (may be payable) (0) — charged when a particular thing happens" ] }, "cost_over_window": 648398.97, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/803" }, { "rank": 219, "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_BHL_MAX_95_LVR", "rate": 0.0659, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0666, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 649143.97, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_BHL_MAX_95_LVR" }, { "rank": 220, "lender": "Dnister Bank", "product": "STD VAR Home Loan", "product_id": "20", "rate": 0.066, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0665, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3193.29, "fees": { "upfront": 864.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Redraw Fee (0) — charged per transaction" ] }, "cost_over_window": 650453.51, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/20" }, { "rank": 221, "lender": "Community First Credit Union", "product": "Community Advantage Variable Owner Occupied (Principal and Interest)", "product_id": "CA-OOPI-VAR", "rate": 0.0659, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0664, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ACCOUNT_COMBINATION_FEE (5) — charged when a particular thing happens", "ADDITIONAL_VALUATION_FEE (0) — charged when a particular thing happens", "COPY_OF_STATEMENT_(ALREADY_ISSUED) (1.5) — 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", "LOAN_VARIATION_FEE (250) — charged when a particular thing happens", "RE-ISSUE_LOAN_DOCUMENTATION_FEE (300) — charged when a particular thing happens", "SEARCH_FEES (0) — charged when a particular thing happens", "SOLICITORS_PREPARATION_FEE (0) — charged when a particular thing happens", "SPECIAL_ATTENDANCE_FEE (0) — charged when a particular thing happens", "SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE (696) — charged when a particular thing happens" ] }, "cost_over_window": 650498.97, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-VAR" }, { "rank": 222, "lender": "HORIZON BANK", "product": "Home Sweet Home Loan", "product_id": "L2_HomeLoan", "rate": 0.0664, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0686, "lvr_band_applied": { "from": 0.7001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0649, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0.01% to 70%" } ], "monthly_repayment": 3206.52, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "150_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)", "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)" ], "charged_only_if_something_happens": [ "LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance", "OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance" ] }, "cost_over_window": 654692.06, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan" }, { "rank": 223, "lender": "Defence Bank Limited", "product": "Ultimate Essentials DHOAS Construction (OO)", "product_id": "807", "rate": 0.0669, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0679, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Ultimate Package 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)" ], "charged_only_if_something_happens": [ "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens" ] }, "cost_over_window": 660309.76, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/807" }, { "rank": 223, "lender": "Defence Bank Limited", "product": "Ultimate Essentials DHOAS", "product_id": "805", "rate": 0.0669, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Ultimate Package 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)" ], "charged_only_if_something_happens": [ "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens" ] }, "cost_over_window": 660309.76, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/805" }, { "rank": 225, "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE >90 LVR PI", "product_id": "L21_CLASSIC_PI_90", "rate": 0.0669, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.064, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "ACCOUNT_KEEPING_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)", "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)" ], "charged_only_if_something_happens": [ "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", "LOAN_SWITCHING_FEE (200) — 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" ] }, "cost_over_window": 660509.76, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_90" }, { "rank": 226, "lender": "THE CAPRICORNIAN", "product": "Lifestyle Home Loan", "product_id": "b29b83ab-921b-4719-9881-a4172e389453", "rate": 0.0669, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0674, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Contract Variation & Consent Fee (400) — charged when a particular thing happens", "Fixed Rate Break Cost — something the standard has no type for", "Further Advance Establishment Fee (400) — charged when a particular thing happens", "Arrears Fees - 2nd and Subsequent Reminder Letter Fee (20) — charged when a particular thing happens", "Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395. — charged when a particular thing happens" ] }, "cost_over_window": 660909.76, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Fixed Rate Break Cost\", 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 Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395.\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b29b83ab-921b-4719-9881-a4172e389453" }, { "rank": 227, "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 80% LVR - Owner Occupied", "product_id": "OO_BHL_MAX_80_LVR", "rate": 0.0669, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0676, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 661054.76, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_BHL_MAX_80_LVR" }, { "rank": 228, "lender": "Defence Bank Limited", "product": "Ultimate Essentials Variable", "product_id": "808", "rate": 0.0674, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0684, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3239.67, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Ultimate Package 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)" ], "charged_only_if_something_happens": [ "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens" ] }, "cost_over_window": 666278.38, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/808" }, { "rank": 228, "lender": "Suncorp Bank", "product": "Standard Variable Rate - Home Package Plus Special Offers for First Home Buyers", "product_id": "STVFHB150K+", "rate": 0.0674, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0709, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3239.67, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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", "Guarantor Fee (200) — charged when a particular thing happens", "Loan Finalisation Fee (350) — charged when a particular thing happens", "Progressive Funding Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 666278.38, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/STVFHB150K%2B" }, { "rank": 230, "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPLE_AND_INTEREST", "rate": 0.0674, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0715, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3239.67, "fees": { "upfront": 1127.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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 (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)" ], "charged_only_if_something_happens": [ "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction" ] }, "cost_over_window": 667406.21, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPLE_AND_INTEREST" }, { "rank": 231, "lender": "MACARTHUR CREDIT UNION LTD", "product": "LOW LVR OOC P&I", "product_id": "L35LOWLVROOCPI", "rate": 0.0674, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0681, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3239.67, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 668633.38, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L35LOWLVROOCPI" }, { "rank": 232, "lender": "Cairns Bank", "product": "PLUS HOME LOAN VARIABLE >90 PI", "product_id": "L25_PLUS_PI_VAR_90", "rate": 0.0679, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0671, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3256.3, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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", "VARIABLE_TO_FIXED_RATE_FEE (300) — charged when a particular thing happens", "VARIATION_OF_LOAN_CONTRACT_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 672263.4, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_90" }, { "rank": 233, "lender": "AMB Bank Product", "product": "DHOAS Standard Variable Home Loan", "product_id": "4d72aa07-b2e8-467b-bdca-984abfbe01c9", "rate": 0.0679, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0682, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3256.3, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Documentation re-issue fee (100) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Redraw fee (per redraw) (10) — charged per transaction", "Default notice fee (30) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "RateSaver Switch Fee (100) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens" ] }, "cost_over_window": 672713.4, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property 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 \"Archive retrieval fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4d72aa07-b2e8-467b-bdca-984abfbe01c9" }, { "rank": 234, "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Minimiser Home Loan", "product_id": "Minimiser_Housing_Loan", "rate": 0.0689, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0695, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3289.66, "fees": { "upfront": 1022, "annual": 0, "monthly": 0, "discharge_if_exiting": 536, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 685296.01, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Minimiser_Housing_Loan" }, { "rank": 235, "lender": "Broken Hill Bank", "product": "L29 Occupied Housing", "product_id": "26", "rate": 0.0689, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0694, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3289.66, "fees": { "upfront": 2270, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Loan Redraw Processing Fee (35) — charged per transaction", "Discharge Of Mortgage Fee (500.52) — charged when a particular thing happens", "Enforcement Collection Cost (0) — charged when a particular thing happens", "BHCCU Enforcement Expense (0) — charged when a particular thing happens", "Loan Contract Variation Fee (275) — charged when a particular thing happens", "Guarantee Security Fee (325) — charged when a particular thing happens", "Discharge Administration Fee (250) — charged when a particular thing happens", "Credit Bureau Default Listing (75) — charged when a particular thing happens", "Security Handling Fee (200) — charged when a particular thing happens", "Progress Drawdown Fee (150) — 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", "Enforcement Expense (0) — charged when a particular thing happens" ] }, "cost_over_window": 686544.01, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/26" }, { "rank": 236, "lender": "AMB Bank Product", "product": "Standard Variable Home Loan", "product_id": "c4bb4d2a-b1aa-42a4-ae78-226829f2bb62", "rate": 0.0694, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0697, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3306.39, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Arrears notice fee (20) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "RateSaver Switch Fee (100) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Redraw fee (per redraw) (10) — charged per transaction", "Documentation re-issue fee (100) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens" ] }, "cost_over_window": 690749.23, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property 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 \"Archive retrieval fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/c4bb4d2a-b1aa-42a4-ae78-226829f2bb62" }, { "rank": 237, "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest", "product_id": "L31_1_OO_V_PI", "rate": 0.0699, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0705, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3323.16, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 696331.72, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_1_OO_V_PI" }, { "rank": 237, "lender": "Credit Union SA", "product": "Variable Home Loan Package Principal and Interest", "product_id": "CREDITUNIONSA_HL_442V", "rate": 0.0699, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0735, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3323.16, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 696331.72, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442V" }, { "rank": 239, "lender": "BankWAW", "product": "Flexible Choice Owner Occupied", "product_id": "L1_OOCC", "rate": 0.0699, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0705, "lvr_band_applied": { "from": 0.01, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.062, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.061, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0605, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0645, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0655, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3323.16, "fees": { "upfront": 300, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "FIXED_RATE_LOCK_IN_FEE (charged as a rate of 0 on balance, which this reader does not turn into an amount)", "LOAN_OFFSET_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)" ], "charged_only_if_something_happens": [ "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_VARIATION_FEE (600) — charged when a particular thing happens", "LOAN_VALUATION_FEE (0) — charged on a cash advance", "LOAN_LEGAL_FEES,_VALUATIONS,_SURVEYS,_AND_SETTLEMENT_FEES (0) — charged on a cash advance", "LOAN_REDRAW_FACILITY_FEE_ONLINE (10) — charged per transaction", "LOAN_REDRAW_FACILITY_FEE_OVER_COUNTER (20) — charged per transaction" ] }, "cost_over_window": 696631.72, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L1_OOCC" }, { "rank": 240, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "VARIABLE INTEREST ONLY", "product_id": "L62_INTEREST_ONLY_HOME", "rate": 0.0699, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3323.16, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "LAND_TITLES_OFFICE_REGISTRATION_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", "AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance", "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance", "SETTLEMENT_AGENT_FEES — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 696726.72, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L62_INTEREST_ONLY_HOME" }, { "rank": 240, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "2 YEAR FIXED INTEREST ONLY", "product_id": "L62_2_YEAR_FIXED_RATE_INT_ONLY", "rate": 0.0699, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3323.16, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "DISCHARGE_FEE — charged on a cash advance", "LAND_TITLES_OFFICE_REGISTRATION_FEES — 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", "AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance", "DEFAULT_NOTICE (55) — charged per transaction", "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance", "SETTLEMENT_AGENT_FEES — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 696726.72, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L62_2_YEAR_FIXED_RATE_INT_ONLY" }, { "rank": 242, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "1 YEAR FIXED INTEREST ONLY", "product_id": "L62_FIXED_RATE_INT_ONLY", "rate": 0.0699, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3323.16, "fees": { "upfront": 407, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LEGAL_FEE_MORTGAGE_DOCUMENTS (charged as a rate of 1 on transaction, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "DISCHARGE_FEE — charged on a cash advance", "LAND_TITLES_OFFICE_REGISTRATION_FEES — 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", "AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance", "SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES — charged on a cash advance", "SETTLEMENT_AGENT_FEES — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 696738.72, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L62_FIXED_RATE_INT_ONLY" }, { "rank": 243, "lender": "Credit Union SA", "product": "Discounted Variable Rate Home Loan Principal and Interest", "product_id": "CREDITUNIONSA_HL_440", "rate": 0.0704, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0707, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3339.96, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Increase an existing discounted home loan (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" ] }, "cost_over_window": 703279.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_440" }, { "rank": 244, "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Smart Fixed Rate Home Loan 2 year", "product_id": "Smart_Fixed_Rate_Home_Loan_2_Years", "rate": 0.0715, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3377.03, "fees": { "upfront": 822, "annual": 0, "monthly": 0, "discharge_if_exiting": 536, "could_not_be_priced": [], "charged_only_if_something_happens": [ "BREAK_COST_FEE (0) — charged per transaction" ] }, "cost_over_window": 716557.55, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Smart_Fixed_Rate_Home_Loan_2_Years" }, { "rank": 244, "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Smart Fixed Rate Home Loan 1 year", "product_id": "Smart_Fixed_Rate_Home_Loan_1_Year", "rate": 0.0715, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3377.03, "fees": { "upfront": 822, "annual": 0, "monthly": 0, "discharge_if_exiting": 536, "could_not_be_priced": [], "charged_only_if_something_happens": [ "BREAK_COST_FEE (0) — charged per transaction" ] }, "cost_over_window": 716557.55, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Smart_Fixed_Rate_Home_Loan_1_Year" }, { "rank": 244, "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Smart Home Loan", "product_id": "Smart_Home_Loan", "rate": 0.0715, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0721, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3377.03, "fees": { "upfront": 822, "annual": 0, "monthly": 0, "discharge_if_exiting": 536, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 716557.55, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Smart_Home_Loan" }, { "rank": 247, "lender": "ANZ", "product": "ANZ Standard Variable home loan", "product_id": "f71660e7-51a9-4029-b4d0-39d09489d7bc", "rate": 0.0724, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0724, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0744, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 3407.49, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Loan Administration Charge (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)" ], "charged_only_if_something_happens": [ "Valuation Administration Fee (0) — charged when a particular thing happens", "Guarantee Administration Fee (0) — charged when a particular thing happens", "Renegotiation Fee (Non Credit Critical) (0) — charged when a particular thing happens", "Late Payment Fee (20) — charged when a particular thing happens", "Progress Payment fee (0) — charged when a particular thing happens", "Lodgement Fee (160) — charged when a particular thing happens", "Production Fee (160) — charged when a particular thing happens", "Settlement Fee (160) — charged when a particular thing happens", "Search Fee (50) — charged when a particular thing happens", "Renegotiation Fee (Full Credit Critical) (0) — charged when a particular thing happens", "Enforcement expenses — something the standard has no type for", "Lenders Mortgage Insurance — something the standard has no type for", "Stamp Duty - Mortgage Document — something the standard has no type for", "Stamp Duty - Transfer Land — something the standard has no type for", "Other Services — something the standard has no type for", "Registration of Mortgage — something the standard has no type for", "Discharge of Mortgage — something the standard has no type for" ] }, "cost_over_window": 726697.29, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Enforcement expenses\", 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 \"Stamp Duty - Mortgage Document\", 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 - Transfer Land\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Other Services\", 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", "no amount or rate could be read for the fee \"Discharge of Mortgage\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.anz/cds-au/v1/banking/products/f71660e7-51a9-4029-b4d0-39d09489d7bc" }, { "rank": 248, "lender": "Credit Union SA", "product": "Standard Variable Rate Home Loan Principal and Interest", "product_id": "CREDITUNIONSA_HL_443V", "rate": 0.0724, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0729, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3407.49, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Increase an existing standard variable rate home loan (300) — 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" ] }, "cost_over_window": 727597.29, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_443V" }, { "rank": 249, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Smart Home Loan Variable", "product_id": "NICU28V", "rate": 0.0744, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0761, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3475.55, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 751802, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 90; 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICU28V" }, { "rank": 250, "lender": "THE CAPRICORNIAN", "product": "Premium Choice Home Loan", "product_id": "57f2a9d4-5498-490f-82ea-61dff8720cc3", "rate": 0.0745, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.075, "lvr_band_applied": null, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3478.97, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Further Advance Establishment Fee (400) — charged when a particular thing happens", "Contract Variation & Consent Fee (400) — charged when a particular thing happens", "Fixed Rate Break Cost — something the standard has no type for", "Arrears Fees - Default Notice Fee (40) — charged when a particular thing happens", "Arrears Fees - 2nd and Subsequent Reminder Letter Fee (20) — charged when a particular thing happens", "Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395. — charged when a particular thing happens", "Arrears Fees - Reminder call fee (5) — charged when a particular thing happens" ] }, "cost_over_window": 753028.83, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Fixed Rate Break Cost\", 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 Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395.\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cc3" }, { "rank": 251, "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interst - Principal and Interest - LVR > 80%", "product_id": "L31_1_OO_V_PI_80", "rate": 0.0749, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0755, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3492.65, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 757353.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_1_OO_V_PI_80" }, { "rank": 252, "lender": "LCU", "product": "Bridging Loan Owner Occupied Variable", "product_id": "Bridging_Loan_Variable", "rate": 0.0749, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0751, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3492.65, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "VALUATION_FEE — charged on a cash advance", "SOLICITORS_FEES — charged on a cash advance", "REGISTRATION_FEES — charged on a cash advance", "PEXA_ELECTRONIC_LODGEMENT_FEE — charged on a cash advance", "CONTRACT_VARIATION_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_FEE (200) — charged when a particular thing happens", "MORTGAGE_DISCHARGE_SOLICITORS_FEE — charged on a cash advance", "LENDERS_MORTGAGE_INSURANCE — charged on a cash advance", "OTHER_CERTIFICATES_AND_REPORTS — charged on a cash advance", "LAND_TITLE_SEARCH — charged on a cash advance", "CONSENT_FOR_A_SECOND_MORTGAGE — charged on a cash advance", "RTGS_TRANSFER_FEE (15) — charged per transaction" ] }, "cost_over_window": 757553.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Bridging_Loan_Variable" }, { "rank": 253, "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "HOME EQUITY LOAN", "product_id": "L78_HOME_EQUITY_LOAN", "rate": 0.0749, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.076, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3492.65, "fees": { "upfront": 395, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "VALUATION_FEE — 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", "AGENT_SOLICITOR_COLLECTION_COSTS — charged on a cash advance" ] }, "cost_over_window": 757748.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L78_HOME_EQUITY_LOAN" }, { "rank": 254, "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 80% LVR - Owner Occupied", "product_id": "OO_STAND_VHL_MAX_80_LVR", "rate": 0.0749, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0756, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3492.65, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "ACCOUNT_SWEEP_FEE (5) — charged per transaction", "BANK_CHEQUE_FEE (12) — charged per payment", "CAPITAL_VALUE_SEARCH (0) — charged on a cash advance", "CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — 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", "DOCUMENT_SEARCH (11.5) — charged on a cash advance", "PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens", "QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens", "REGISTRATION_FEE (198) — charged on a cash advance", "REGISTRATION_FEE_(NT) (176) — charged on a cash advance", "REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens", "TITLE_SEARCH_(NT) (55.78) — charged on a cash advance", "TITLE_SEARCH_(SA) (35.5) — charged on a cash advance", "VALUATION_FEE (205) — charged on a cash advance", "VALUATION_FEE_(NT) (205) — charged on a cash advance", "VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens" ] }, "cost_over_window": 758098.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_STAND_VHL_MAX_80_LVR" }, { "rank": 254, "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_STAND_VHL_MAX_95_LVR", "rate": 0.0749, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0756, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3492.65, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "ACCOUNT_SWEEP_FEE (5) — charged per transaction", "BANK_CHEQUE_FEE (12) — charged per payment", "CAPITAL_VALUE_SEARCH (0) — charged on a cash advance", "CONVEYANCER'S_/_SOLICITOR'S_FEE (141.64) — 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", "DOCUMENT_SEARCH (11.5) — charged on a cash advance", "PROGRESSIVE_DRAWDOWN_FEE (500) — charged when a particular thing happens", "QUICK_DEBIT_DISHONOUR_FEE (15) — charged when a particular thing happens", "REGISTRATION_FEE (198) — charged on a cash advance", "REGISTRATION_FEE_(NT) (176) — charged on a cash advance", "REPAYMENT_VARIATION_FEE (30) — charged when a particular thing happens", "TITLE_SEARCH_(NT) (55.78) — charged on a cash advance", "TITLE_SEARCH_(SA) (35.5) — charged on a cash advance", "VALUATION_FEE (205) — charged on a cash advance", "VALUATION_FEE_(NT) (205) — charged on a cash advance", "VARIATION_OF_SECURITY_FEE (150) — charged when a particular thing happens" ] }, "cost_over_window": 758098.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_STAND_VHL_MAX_95_LVR" }, { "rank": 256, "lender": "MACARTHUR CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K", "product_id": "L90_BASICVAROOCPI750", "rate": 0.0762, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0769, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3537.25, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 775763.75, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L90_BASICVAROOCPI750" }, { "rank": 257, "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Variable Owner Occupied", "product_id": "3540", "rate": 0.0766, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0801, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3551.01, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "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)" ], "charged_only_if_something_happens": [ "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", "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" ] }, "cost_over_window": 779600.52, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3540" }, { "rank": 258, "lender": "MACARTHUR CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K", "product_id": "L90_BASICVAROOCPI500750", "rate": 0.0772, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0779, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3571.7, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 788168.82, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L90_BASICVAROOCPI500750" }, { "rank": 259, "lender": "MACARTHUR CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K", "product_id": "L90_BASICVAROOCPI250500", "rate": 0.0782, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0789, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3606.28, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 800612.39, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L90_BASICVAROOCPI250500" }, { "rank": 260, "lender": "THE CAPRICORNIAN", "product": "Access Equity Home Loan", "product_id": "65c69889-2d50-4331-9b17-5572de566b92", "rate": 0.0784, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0789, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3613.21, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fees - 2nd and Subsequent Reminder Letter Fee (20) — charged when a particular thing happens", "Contract Variation & Consent Fee (400) — charged when a particular thing happens", "Arrears Fees - Reminder call fee (5) — charged when a particular thing happens", "Arrears Fees - Default Notice Fee (40) — charged when a particular thing happens", "Further Advance Establishment Fee (400) — charged when a particular thing happens" ] }, "cost_over_window": 801352.22, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/65c69889-2d50-4331-9b17-5572de566b92" }, { "rank": 261, "lender": "Greater Bank", "product": "Great Rate Home Loan - Variable Owner Occupied", "product_id": "3280", "rate": 0.0786, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0787, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3620.14, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Title insurance premium" ], "charged_only_if_something_happens": [ "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", "Conversion fee - Switch to any other loan type (350) — charged if the contract is varied", "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" ] }, "cost_over_window": 804484.12, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3280" }, { "rank": 262, "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE OFFSET OWNER OCCUPIED P&I", "product_id": "OFFSETVAROOCPI", "rate": 0.0792, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0799, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3640.98, "fees": { "upfront": 1555, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 812302.73, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/OFFSETVAROOCPI" }, { "rank": 263, "lender": "People First Bank", "product": "Staff Home Loan", "product_id": "7a12b620-5d54-4e20-92b6-4bc1597d95cd", "rate": 0.0793, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": { "from": 0, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3644.45, "fees": { "upfront": 750, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Offset Account (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)" ], "charged_only_if_something_happens": [ "Land Title Office Fees (0) — something the standard has no type for", "Solicitor's/Conveyancer Fee (0) — something the standard has no type for", "Security Handling Fee (150) — charged when a particular thing happens", "Portability Fee (300) — charged when a particular thing happens", "Top Up Fee (400) — charged when a particular thing happens", "Discharge of Mortgage (350) — charged when a particular thing happens", "Documentation Fee (200) — charged when a particular thing happens", "Valuation Fee (0) — something the standard has no type for", "Bank Cheque Fee (0) — something the standard has no type for", "Lenders Mortgage Insurance (LMI) (0) — something the standard has no type for", "Solicitor's/Conveyancer Fee (0) — something the standard has no type for", "Land Title Office Fees (0) — something the standard has no type for" ] }, "cost_over_window": 812756.57, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Land Title Office 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 \"Solicitor's/Conveyancer 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 \"Valuation 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 \"Bank Cheque 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 \"Lenders Mortgage Insurance (LMI)\" 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 \"Solicitor's/Conveyancer 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 \"Land Title Office 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/7a12b620-5d54-4e20-92b6-4bc1597d95cd" }, { "rank": 264, "lender": "MACARTHUR CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN OWNER OCCUPIED P&I", "product_id": "L90_BASICVAROOCPI", "rate": 0.0792, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0799, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3640.98, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 813102.73, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L90_BASICVAROOCPI" }, { "rank": 265, "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "Land Loan", "product_id": "AMP_LAND_HL", "rate": 0.0795, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0801, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3651.41, "fees": { "upfront": 3693, "annual": 0, "monthly": 0, "discharge_if_exiting": 490, "could_not_be_priced": [ "$0 Land Loan account management 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)" ], "charged_only_if_something_happens": [ "Valuation fee — charged when a particular thing happens", "Rework fee (249) — charged when a particular thing happens", "Variation fee (299) — charged when a particular thing happens", "Verification of identity by Australia Post — charged when a particular thing happens", "Payment dishonour fees — charged when a payment is dishonoured", "Solicitors' and mortgage processing servicers' incidental costs (82.5) — charged when a particular thing happens", "Solicitor or mortgage processing servicer non-standard additional costs — charged when a particular thing happens", "International ATM cash withdrawal fee (4.5) — charged per withdrawal", "Currency conversion fee — charged per transaction", "Emergency replacement AMP Visa Debit Card fee (15) — charged to replace a card", "Telegraphic transfer fee - deposits (30) — charged per deposit", "Telegraphic transfer fee - withdrawals (30) — charged per withdrawal", "Transaction trace fee (20) — charged when a particular thing happens", "Visa dispute fee (25) — charged when a particular thing happens", "Audit certificate fee (25) — charged when a particular thing happens" ] }, "cost_over_window": 818200.42, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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 field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Verification of identity by Australia Post\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Payment dishonour fees\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number", "no amount or rate could be read for the fee \"Solicitor or mortgage processing servicer non-standard additional costs\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cdr-api.amp.com.au/cds-au/v1/banking/products/AMP_LAND_HL" }, { "rank": 266, "lender": "Great Southern Bank", "product": "Basic Variable OO P&I", "product_id": "4200-0211", "rate": 0.08, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.063, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.08, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.08, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.08, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.08, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.08, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3668.82, "fees": { "upfront": 835, "annual": 0, "monthly": 0, "discharge_if_exiting": 500, "could_not_be_priced": [ "Monthly Account Keeping 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 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)", "Government fees and charges", "Solicitors costs" ], "charged_only_if_something_happens": [ "Telegraphic transfer fee within Australia (35) — charged when a particular thing happens", "Account Information Fee (20) — charged when a particular thing happens", "Valuation fee — charged when a particular thing happens", "Home Guarantee Scheme LMI Premium — charged when a particular thing happens", "Arrears Letter Fee (22) — charged when a particular thing happens", "Default Notice Fee (33) — charged when a particular thing happens", "Top-Up establishment fee (450) — charged when a particular thing happens", "Split Loan Fee (300) — charged when a particular thing happens", "Debt Collection Fee — charged when a particular thing happens", "Redraw Fee (0) — charged when a particular thing happens", "Production Fee (100) — charged when a particular thing happens", "Re-documentation Fee (300) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 821614.48, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Solicitors costs\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0211" }, { "rank": 267, "lender": "BOQ Specialist", "product": "Basic Home Loan", "product_id": "8a906e88-5c03-ee11-8f6e-00224814d330", "rate": 0.0802, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.082, "lvr_band_applied": { "from": 0, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3675.8, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 823282.7, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/8a906e88-5c03-ee11-8f6e-00224814d330" }, { "rank": 268, "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPLE_AND_INTEREST", "rate": 0.081, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0817, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3703.74, "fees": { "upfront": 2189.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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)" ], "charged_only_if_something_happens": [ "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction", "VARIATION_FEE (150) — charged per transaction" ] }, "cost_over_window": 835533.91, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPLE_AND_INTEREST" }, { "rank": 269, "lender": "Greater Bank", "product": "Standard Home Loan - Variable Owner Occupied", "product_id": "3420", "rate": 0.0813, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0818, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3714.24, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Title insurance premium" ], "charged_only_if_something_happens": [ "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", "Conversion fee - Switch to any other loan type (350) — charged if the contract is varied", "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" ] }, "cost_over_window": 838350.7, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3420" }, { "rank": 270, "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "l41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPLE_AND_INTEREST", "rate": 0.0815, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0823, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3721.24, "fees": { "upfront": 2189.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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)" ], "charged_only_if_something_happens": [ "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction", "VARIATION_FEE (150) — charged per transaction" ] }, "cost_over_window": 841837.3, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/l41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_PRINCIPLE_AND_INTEREST" }, { "rank": 271, "lender": "People First Bank", "product": "Basic Variable Home Construction", "product_id": "5e044a10-8eeb-4d1c-8f28-be22922921db", "rate": 0.0818, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0818, "lvr_band_applied": { "from": 0, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3731.76, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Solicitor's/Conveyancer Fee (0) — something the standard has no type for", "Land Title Office Fees (0) — something the standard has no type for", "Security Handling Fee (150) — charged when a particular thing happens", "Discharge of Mortgage (350) — charged when a particular thing happens", "Progress Draw Fee (400) — charged when a particular thing happens", "Documentation Fee (200) — charged when a particular thing happens", "Valuation Fee (0) — something the standard has no type for", "Portability Fee (300) — charged when a particular thing happens", "Bank Cheque Fee (0) — something the standard has no type for", "Lenders Mortgage Insurance (LMI) (0) — something the standard has no type for", "Arrears Administration Fee 1 (25) — charged when a particular thing happens", "Arrears Administration Fee 2 (25) — charged when a particular thing happens", "Enforcement of Mortgage fee (70) — charged when a particular thing happens" ] }, "cost_over_window": 843427.62, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the fee \"Solicitor's/Conveyancer 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 \"Land Title Office 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 \"Valuation 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 \"Bank Cheque 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 \"Lenders Mortgage Insurance (LMI)\" 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/5e044a10-8eeb-4d1c-8f28-be22922921db" }, { "rank": 271, "lender": "People First Bank", "product": "Basic Variable Home Loan", "product_id": "406acd2d-821f-41fa-b658-f4011722355b", "rate": 0.0818, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0818, "lvr_band_applied": { "from": 0, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3731.76, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Land Title Office Fees (0) — something the standard has no type for", "Solicitor's/Conveyancer Fee (0) — something the standard has no type for", "Security Handling Fee (150) — charged when a particular thing happens", "Portability Fee (300) — charged when a particular thing happens", "Discharge of Mortgage (350) — charged when a particular thing happens", "Documentation Fee (200) — charged when a particular thing happens", "Valuation Fee (0) — something the standard has no type for", "Bank Cheque Fee (0) — something the standard has no type for", "Lenders Mortgage Insurance (LMI) (0) — something the standard has no type for", "Arrears Administration Fee 1 (25) — charged when a particular thing happens", "Arrears Administration Fee 2 (25) — charged when a particular thing happens", "Enforcement of Mortgage fee (70) — charged when a particular thing happens" ] }, "cost_over_window": 843427.62, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the fee \"Land Title Office 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 \"Solicitor's/Conveyancer 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 \"Valuation 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 \"Bank Cheque 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 \"Lenders Mortgage Insurance (LMI)\" 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/406acd2d-821f-41fa-b658-f4011722355b" }, { "rank": 273, "lender": "Great Southern Bank", "product": "Offset Variable OO P&I", "product_id": "4200-0111", "rate": 0.082, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0645, "lvr_band_applied": { "from": 0.7001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.082, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.082, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.082, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.082, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.082, "lendingRateType": "VARIABLE", "why": "it is published for a loan to value ratio of 90.01% to 95%" } ], "monthly_repayment": 3738.77, "fees": { "upfront": 835, "annual": 0, "monthly": 0, "discharge_if_exiting": 500, "could_not_be_priced": [ "Monthly Account Keeping 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 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)", "Government fees and charges", "Solicitors costs" ], "charged_only_if_something_happens": [ "Telegraphic transfer fee within Australia (35) — charged when a particular thing happens", "Account Information Fee (20) — charged when a particular thing happens", "Valuation fee — charged when a particular thing happens", "Home Guarantee Scheme LMI Premium — charged when a particular thing happens", "Arrears Letter Fee (22) — charged when a particular thing happens", "Default Notice Fee (33) — charged when a particular thing happens", "Top-Up establishment fee (450) — charged when a particular thing happens", "Split Loan Fee (300) — charged when a particular thing happens", "Debt Collection Fee — charged when a particular thing happens", "Redraw Fee (0) — charged when a particular thing happens", "Production Fee (100) — charged when a particular thing happens", "Re-documentation Fee (300) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 846795.73, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Solicitors costs\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-0111" }, { "rank": 274, "lender": "Broken Hill Bank", "product": "L70 Mortgage Offset Home Loan", "product_id": "28", "rate": 0.082, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0825, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3738.77, "fees": { "upfront": 2270, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Loan Redraw Processing Fee (35) — charged per transaction", "Discharge Of Mortgage Fee (500.52) — charged when a particular thing happens", "Enforcement Collection Cost (0) — charged when a particular thing happens", "BHCCU Enforcement Expense (0) — charged when a particular thing happens", "Loan Contract Variation Fee (275) — charged when a particular thing happens", "Guarantee Security Fee (325) — charged when a particular thing happens", "Discharge Administration Fee (250) — charged when a particular thing happens", "Credit Bureau Default Listing (75) — charged when a particular thing happens", "Security Handling Fee (200) — charged when a particular thing happens", "Progress Drawdown Fee (150) — 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", "Enforcement Expense (0) — charged when a particular thing happens" ] }, "cost_over_window": 848230.73, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/28" }, { "rank": 275, "lender": "My State PM Production", "product": "Standard Variable Loan", "product_id": "8ef148c1-1466-483d-ac3c-ecc133bf1a20", "rate": 0.0837, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0843, "lvr_band_applied": { "from": 0, "to": 1 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3798.6, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Mortgage preparation (95) — charged when a particular thing happens", "Letter of Variation (150) — charged when a particular thing happens", "Mortgage discharge (380) — charged when a particular thing happens", "Dishonour and Rejection fee (per dishonour) (5) — charged when a particular thing happens", "Cheques deposited and dishonoured (per cheque) (20) — charged when a particular thing happens", "Other default notices (30) — charged when a particular thing happens", "Overdrawn Administration Fee (30) — charged when a particular thing happens", "Other default notices (30) — charged when a particular thing happens", "Demand notices (30) — charged when a particular thing happens", "Title production (150) — charged when a particular thing happens", "Progressive draw (per draw) (150) — charged when a particular thing happens", "Subsequent dealing (150) — charged when a particular thing happens", "Copy of Title (30) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Arrears Administration Fee (30) — charged when a particular thing happens", "Overdrawn Administration Fee (30) — charged when a particular thing happens", "Non-insurance Renewal Service expense (25) — charged when a particular thing happens" ] }, "cost_over_window": 868690.58, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8ef148c1-1466-483d-ac3c-ecc133bf1a20" }, { "rank": 276, "lender": "Bank of China", "product": "Standard Variable Rate Home Loan", "product_id": "10391367", "rate": 0.0839, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0846, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3805.66, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Application Fee (350) — charged when a particular thing happens" ] }, "cost_over_window": 870032.11, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391367" }, { "rank": 277, "lender": "The Mutual Bank", "product": "Standard Home Loan", "product_id": "Standard_Home_Loan", "rate": 0.0863, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0866, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3890.73, "fees": { "upfront": 300, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "SWITCHING_FEE (300) — 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", "PROGRESS_PAYMENT_FEE (100) — charged on a cash advance", "VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION) — charged on a cash advance", "ROLLOVER_FEE (200) — charged when a particular thing happens", "BREAK_COSTS_ADMINISTRATION_FEE (300) — charged when a particular thing happens", "BREAK_COSTS_HOME_LOANS — charged on a cash advance" ] }, "cost_over_window": 900958.63, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers", "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", "no amount or rate could be read for the fee \"VALUATION_FEE_CONSUMER_LOAN_(PROGRESS_VALUATION)\", 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_HOME_LOANS\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Standard_Home_Loan" }, { "rank": 278, "lender": "Judo Bank", "product": "Home Loan", "product_id": "63e5a9e5-f73c-434a-9221-f6f1574e45dd", "rate": 0.0865, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0867, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3897.85, "fees": { "upfront": 900, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Other Fees (0) — charged when a particular thing happens" ] }, "cost_over_window": 904118.66, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.judo.bank/cds-au/v1/banking/products/63e5a9e5-f73c-434a-9221-f6f1574e45dd" }, { "rank": 279, "lender": "Suncorp Bank", "product": "Back to Basics Variable Rate", "product_id": "BTB", "rate": 0.0865, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0873, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3897.85, "fees": { "upfront": 1590, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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", "Guarantor Fee (200) — charged when a particular thing happens", "Loan Finalisation Fee (350) — charged when a particular thing happens", "Progressive Funding Fee (300) — charged when a particular thing happens", "Renegotiation Fee (300) — charged when a particular thing happens", "Staff Assisted Home Loan Repayment Fee (5) — charged when a particular thing happens" ] }, "cost_over_window": 904808.66, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/BTB" }, { "rank": 280, "lender": "Gateway Bank", "product": "Home Loan - Variable Rate", "product_id": "104", "rate": 0.0868, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0875, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3908.53, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Top-Up Fee (200) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Security by Variation (200) — charged when a particular thing happens", "Additional Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 907971.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/104" }, { "rank": 280, "lender": "Gateway Bank", "product": "Construction Loan Var Rate", "product_id": "112", "rate": 0.0868, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0875, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3908.53, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Construction Progress Inspection Fee (150) — charged when a particular thing happens", "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", "Construction Additional Progress Payment Fee (150) — charged when a particular thing happens", "Construction Final Inspection Fee (325) — charged when a particular thing happens" ] }, "cost_over_window": 907971.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/112" }, { "rank": 280, "lender": "Gateway Bank", "product": "Land Loan Variable Rate", "product_id": "113", "rate": 0.0868, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0875, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3908.53, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 907971.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/113" }, { "rank": 283, "lender": "Queensland Country Bank", "product": "Home Loan-Variable Rate", "product_id": "28", "rate": 0.0874, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0889, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3929.93, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Loan Maintenance 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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 915327.4, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/28" }, { "rank": 284, "lender": "People First Bank", "product": "Home Build Access (HBA) SIL", "product_id": "8441fcfd-18a1-4707-80cf-c7eab861b3f3", "rate": 0.088, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3951.37, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 922494.74, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8441fcfd-18a1-4707-80cf-c7eab861b3f3" }, { "rank": 285, "lender": "IMB Bank", "product": "Standard Variable Home Loan", "product_id": "RM-1-3", "rate": 0.0896, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0903, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4008.73, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 944742.31, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-3" }, { "rank": 286, "lender": "Coastline", "product": "Variable Housing", "product_id": "35", "rate": 0.0921, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0921, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4098.89, "fees": { "upfront": 1940, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Loan Renegotiation Fee (150) — charged when a particular thing happens", "Loan Switching Fee (200) — 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" ] }, "cost_over_window": 977544.14, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/35" }, { "rank": 287, "lender": "Suncorp Bank", "product": "Standard Variable Rate", "product_id": "STV", "rate": 0.0923, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0941, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4106.13, "fees": { "upfront": 1590, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Monthly Account Keeping 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)" ], "charged_only_if_something_happens": [ "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", "Guarantor Fee (200) — charged when a particular thing happens", "Loan Finalisation Fee (350) — charged when a particular thing happens", "Mortgage Offset (75) — charged when a particular thing happens", "Progressive Funding Fee (300) — charged when a particular thing happens", "Renegotiation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 979801.64, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/STV" }, { "rank": 288, "lender": "Arab Bank Australia Ltd Prod", "product": "Basics Home Loan Special Offer", "product_id": "BASICS02", "rate": 0.0929, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0942, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4127.88, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Tenanted Security Report Fee (100) — charged when a particular thing happens", "Redraw Fee (Online) (10) — charged per transaction", "Direct Debit Dishonour Fee (35) — charged when a particular thing happens", "Redraw Fee (Over the Counter) (55) — charged per transaction", "Transfer Fee (300) — charged when a particular thing happens", "Search Fee (70) — charged per transaction", "Arrears Letter Fee (35) — charged when a particular thing happens", "Deed Production Fee (60) — charged when a particular thing happens", "Rollover Fee (300) — charged when a particular thing happens", "Title Change Fee (100) — charged when a particular thing happens", "Progress Payment Fee (100) — charged when a particular thing happens", "Additional Security Consent Fee (150) — charged when a particular thing happens" ] }, "cost_over_window": 986633.73, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BASICS02" }, { "rank": 288, "lender": "Arab Bank Australia Ltd Prod", "product": "The Basics Home Loan", "product_id": "BASICS01", "rate": 0.0929, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0942, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4127.88, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Arrears Letter Fee (35) — charged when a particular thing happens", "Redraw Fee (Over the Counter) (55) — charged per transaction", "Direct Debit Dishonour Fee (35) — charged when a particular thing happens", "Deed Production Fee (60) — charged when a particular thing happens", "Title Change Fee (100) — charged when a particular thing happens", "Transfer Fee (300) — charged when a particular thing happens", "Progress Payment Fee (100) — charged when a particular thing happens", "Tenanted Security Report Fee (100) — charged when a particular thing happens", "Additional Security Consent Fee (150) — charged when a particular thing happens", "Redraw Fee (Online) (10) — charged per transaction", "Search Fee (70) — charged per transaction", "Rollover Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 986633.73, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BASICS01" }, { "rank": 290, "lender": "Arab Bank Australia Ltd Prod", "product": "Essentials Home Loan", "product_id": "ESS01", "rate": 0.0939, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0944, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4164.2, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Direct Debit Dishonour Fee (35) — charged when a particular thing happens", "Deed Production Fee (60) — charged when a particular thing happens", "Redraw Fee (Over the Counter) (55) — charged per transaction", "Transfer Fee (300) — charged when a particular thing happens", "Arrears Letter Fee (35) — charged when a particular thing happens", "Progress Payment Fee (100) — charged when a particular thing happens", "Redraw Fee (Online) (10) — charged per transaction", "Rollover Fee (300) — charged when a particular thing happens", "Tenanted Security Report Fee (100) — charged when a particular thing happens", "Additional Security Consent Fee (150) — charged when a particular thing happens", "Title Change Fee (100) — charged when a particular thing happens", "Search Fee (70) — charged per transaction" ] }, "cost_over_window": 999715.14, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ESS01" }, { "rank": 290, "lender": "Arab Bank Australia Ltd Prod", "product": "Essentials Home Loan Special Offer", "product_id": "ESS02", "rate": 0.0939, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0944, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4164.2, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Redraw Fee (Over the Counter) (55) — charged per transaction", "Transfer Fee (300) — charged when a particular thing happens", "Search Fee (70) — charged per transaction", "Deed Production Fee (60) — charged when a particular thing happens", "Arrears Letter Fee (35) — charged when a particular thing happens", "Direct Debit Dishonour Fee (35) — charged when a particular thing happens", "Redraw Fee (Online) (10) — charged per transaction", "Progress Payment Fee (100) — charged when a particular thing happens", "Tenanted Security Report Fee (100) — charged when a particular thing happens", "Additional Security Consent Fee (150) — charged when a particular thing happens", "Title Change Fee (100) — charged when a particular thing happens", "Rollover Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 999715.14, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ESS02" }, { "rank": 292, "lender": "BOQ Specialist", "product": "Plus Home Loan", "product_id": "5c5cc8d9-6101-f111-8406-7c1e5262e234", "rate": 0.0944, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": null, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4182.4, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 1005664.56, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/5c5cc8d9-6101-f111-8406-7c1e5262e234" }, { "rank": 293, "lender": "BOQ Specialist", "product": "Home Loan Banking Package", "product_id": "8b906e88-5c03-ee11-8f6e-00224814d330", "rate": 0.0962, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.1009, "lvr_band_applied": { "from": 0, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4248.12, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 1029317.25, "window_years": 30, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/8b906e88-5c03-ee11-8f6e-00224814d330" }, { "rank": 294, "lender": "bcu", "product": "Bridging Loan", "product_id": "141", "rate": 0.0976, "rate_type": "VARIABLE", "fixed_years": null, "comparison_rate_published_by_lender": 0.0979, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 4299.44, "fees": { "upfront": 471, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Statement Retrieval Fee (2.5) — charged to replace a card", "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", "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" ] }, "cost_over_window": 1048278.88, "window_years": 30, "cost_is_a_floor": false, "published_data_problems": [ "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 \"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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/141" } ], "fixed_not_ranked": [ { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "GB-OOPI-3YRF-LVR80_SPECIAL", "rate": 0.0585, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0598, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2949.7, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 88186.38, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-3YRF-LVR80_SPECIAL" }, { "rank": null, "lender": "Credit Union SA", "product": "3-Year Fixed Home Loan Package Principal and Interest", "product_id": "CREDITUNIONSA_HL_442F3", "rate": 0.0599, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0657, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 88189.2, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F3" }, { "rank": null, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Value Fixed Home Loan 12M", "product_id": "NICUL5F_12M", "rate": 0.0599, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0587, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 29782.94, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL5F_12M" }, { "rank": null, "lender": "Summerland", "product": "Fixed Rate Loan", "product_id": "79", "rate": 0.0599, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0648, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 2994.54, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 90289.2, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/79" }, { "rank": null, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "BP-OOPI-3YRF-LVR80", "rate": 0.0609, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0647, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 91191.88, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-3YRF-LVR80" }, { "rank": null, "lender": "Credit Union SA", "product": "2-Year Fixed Home Loan Package Principal and Interest", "product_id": "CREDITUNIONSA_HL_442F2", "rate": 0.0609, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0662, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 60188.51, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F2" }, { "rank": null, "lender": "HORIZON BANK", "product": "3 Year Fixed Home Loan", "product_id": "L42_HomeLoan_Fixed3Y", "rate": 0.0609, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0659, "lvr_band_applied": { "from": 0.7001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0594, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.01% to 70%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance", "OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance" ] }, "cost_over_window": 90041.88, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L42_HomeLoan_Fixed3Y" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_1YR_FRHL_MAX_95_LVR", "rate": 0.0609, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0696, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3026.75, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31028.32, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_1YR_FRHL_MAX_95_LVR" }, { "rank": null, "lender": "Regional Australia Bank", "product": "Regional Australia Bank Home Loan (Fixed Owner Occupied)", "product_id": "f4968da6-55cc-4b5e-9ef7-4ca5a276001f", "rate": 0.0609, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0608, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.062, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0695, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0697, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.062, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0622, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0599, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0652, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0652, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0697, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0622, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" }, { "rate": 0.0722, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to 95%" }, { "rate": 0.0609, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60% to 70%" } ], "monthly_repayment": 3026.75, "fees": { "upfront": 425, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 90116.88, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/f4968da6-55cc-4b5e-9ef7-4ca5a276001f" }, { "rank": null, "lender": "HORIZON BANK", "product": "2 Year Fixed Home Loan", "product_id": "L41_HomeLoan_Fixed2Y", "rate": 0.0614, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0664, "lvr_band_applied": { "from": 0.7001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0599, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.01% to 70%" } ], "monthly_repayment": 3042.9, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance", "OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance" ] }, "cost_over_window": 61039.31, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L41_HomeLoan_Fixed2Y" }, { "rank": null, "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths", "product_id": "L27_FIXINT1-5_OCC_PRINSO36", "rate": 0.0615, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0623, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3046.14, "fees": { "upfront": 1100, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 91693.78, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO36" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 1YR <60 LVR PI", "product_id": "L25_PLUS_PI_F1_60", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0626, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 30783.76, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_60" }, { "rank": null, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "BP-OOPI-2YRF-LVR80", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0648, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 62690.16, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-2YRF-LVR80" }, { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "GB-OOPI-3YRF-LVR80", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0607, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 93295.15, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-3YRF-LVR80" }, { "rank": null, "lender": "Dnister Bank", "product": "Premier HL Fixed Interest Rate", "product_id": "22", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0656, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 864.5, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Redraw Fee (25) — charged per transaction", "Redraw Fee (10) — charged per transaction", "Redraw Fee (0) — charged per transaction" ] }, "cost_over_window": 62054.66, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/22" }, { "rank": null, "lender": "Goulburn Murray Credit Union Co-Operative Ltd", "product": "Fixed Rate Home Loan", "product_id": "Home_Loan-_Fixed_1_year_0.80_LVR_plus", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0635, "lvr_band_applied": { "from": 0.6, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0619, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 61690.16, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Home_Loan-_Fixed_1_year_0.80_LVR_plus" }, { "rank": null, "lender": "HORIZON BANK", "product": "1 Year Fixed Home Loan", "product_id": "L40_HomeLoan_Fixed1Y", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0668, "lvr_band_applied": { "from": 0.7001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0604, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.01% to 70%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance", "OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance" ] }, "cost_over_window": 31133.76, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L40_HomeLoan_Fixed1Y" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied", "product_id": "OO_1YR_FRHL_MAX_80_LVR", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0697, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31528.76, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_1YR_FRHL_MAX_80_LVR" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_3YR_FRHL_MAX_95_LVR", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0683, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 91940.15, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_3YR_FRHL_MAX_95_LVR" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_2YR_FRHL_MAX_95_LVR", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0687, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3059.1, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 61935.16, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_2YR_FRHL_MAX_95_LVR" }, { "rank": null, "lender": "Queensland Country Bank", "product": "Home Loan-Package Fixed Rate", "product_id": "81", "rate": 0.0619, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0632, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" } ], "monthly_repayment": 3059.1, "fees": { "upfront": 50, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 61240.16, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/81" }, { "rank": null, "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths", "product_id": "L27_FIXINT1-5_OCC_PRINSO12", "rate": 0.062, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0629, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3062.34, "fees": { "upfront": 1100, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31933.81, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO12" }, { "rank": null, "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths", "product_id": "L27_FIXINT1-5_OCC_PRINSO24", "rate": 0.062, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0629, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3062.34, "fees": { "upfront": 1100, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 62390.34, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO24" }, { "rank": null, "lender": "Bank of Queensland", "product": "Fixed Rate Home Loan", "product_id": "51906e88-5c03-ee11-8f6e-00224814d330", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 400, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 62091.07, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.cds.boq.com.au/cds-au/v1/banking/products/51906e88-5c03-ee11-8f6e-00224814d330" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 1YR 60-80 LVR PI", "product_id": "L25_PLUS_PI_F1_60_80", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31034.01, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_60_80" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 2YR <60 LVR PI", "product_id": "L25_PLUS_PI_F2_60", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0623, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 61691.07, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_60" }, { "rank": null, "lender": "Coastline", "product": "Fixed Rate Home Loan", "product_id": "32", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0639, "lvr_band_applied": { "from": 0.6001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0624, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 1940, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32974.01, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/32" }, { "rank": null, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "BP-OOPI-1YRF-LVR80", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0648, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 32534.01, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-1YRF-LVR80" }, { "rank": null, "lender": "Easystreet", "product": "3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_id": "L43-ES3YRF-OOPI", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0618, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 92446.98, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES3YRF-OOPI" }, { "rank": null, "lender": "Gateway Bank", "product": "Premium Package 1Yr Fixed", "product_id": "127", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31034.01, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/127" }, { "rank": null, "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 1 Year Owner Occupied", "product_id": "3560", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0785, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32264.01, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3560" }, { "rank": null, "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 2 Year Owner Occupied", "product_id": "3570", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0771, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 62921.07, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3570" }, { "rank": null, "lender": "Heritage", "product": "Standard Fixed Rate Home Loans - Owner Occupied", "product_id": "7ed2d768-8322-497b-9b68-510519174a4e", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0829, "lvr_band_applied": { "from": 0, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 10, "annual": 0, "monthly": 0, "discharge_if_exiting": 375, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 61701.07, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/7ed2d768-8322-497b-9b68-510519174a4e" }, { "rank": null, "lender": "IMB Bank", "product": "1 year Fixed Rate Home Loan", "product_id": "RM-1-4", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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 — charged when a particular thing happens", "Advance Repayment Costs — charged per payment" ] }, "cost_over_window": 32632.01, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-4" }, { "rank": null, "lender": "IMB Bank", "product": "2 year Fixed Rate Home Loan", "product_id": "RM-1-5", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0631, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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 — charged when a particular thing happens", "Advance Repayment Costs — charged per payment" ] }, "cost_over_window": 63289.07, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-5" }, { "rank": null, "lender": "IMB Bank", "product": "3 year Fixed Rate Home Loan", "product_id": "RM-1-6", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0632, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3075.33, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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 — charged when a particular thing happens", "Advance Repayment Costs — charged per payment" ] }, "cost_over_window": 93544.98, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-6" }, { "rank": null, "lender": "Suncorp Bank", "product": "1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers", "product_id": "FX150K+", "rate": 0.0624, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0654, "lvr_band_applied": { "from": 0.01, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0629, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" } ], "monthly_repayment": 3075.33, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 61691.07, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/FX150K%2B" }, { "rank": null, "lender": "bcu", "product": "Fixed P&I Home Loan", "product_id": "181", "rate": 0.0627, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0626, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3085.09, "fees": { "upfront": 950, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32134.16, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/181" }, { "rank": null, "lender": "P&N Bank", "product": "Fixed Home Loan (P&I) LVR <80", "product_id": "9", "rate": 0.0627, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0632, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3085.09, "fees": { "upfront": 950, "annual": 0, "monthly": 0, "discharge_if_exiting": 745, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32134.16, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/9" }, { "rank": null, "lender": "Bank of China", "product": "Fixed Rate Home Loan (With Principal and Interest Repayment)", "product_id": "10391158OPI", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0834, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [] }, "cost_over_window": 31284.26, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/10391158OPI" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 2YR 60-80 LVR PI", "product_id": "L25_PLUS_PI_F2_60_80", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 62192.01, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_60_80" }, { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "GB-OOPI-2YRF-LVR80", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0607, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 64292.01, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-2YRF-LVR80" }, { "rank": null, "lender": "Credit Union SA", "product": "1-Year Fixed Home Loan Package Principal and Interest", "product_id": "CREDITUNIONSA_HL_442F1", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0666, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31284.26, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442F1" }, { "rank": null, "lender": "Gateway Bank", "product": "Premium Package 2Yr Fixed", "product_id": "129", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 62192.01, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/129" }, { "rank": null, "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 1 Year Owner Occupied", "product_id": "3300", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.077, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32514.26, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3300" }, { "rank": null, "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 2 Year Owner Occupied", "product_id": "3310", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0755, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 63422.01, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3310" }, { "rank": null, "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 1 Year Owner Occupied", "product_id": "3430", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0798, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32514.26, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3430" }, { "rank": null, "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 2 Year Owner Occupied", "product_id": "3440", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.078, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 63422.01, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3440" }, { "rank": null, "lender": "MACARTHUR CREDIT UNION LTD", "product": "GOVT LOW DEP 1YR FIXED OOC PI", "product_id": "L88_GOVTLOWDEP1YRFIXEDOOCPI", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0602, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 1330, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 32614.26, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L88_GOVTLOWDEP1YRFIXEDOOCPI" }, { "rank": null, "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 1YR FIXED OWNER OCCUPIED P&I", "product_id": "L84_1YRFIXEDOOCPI", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0781, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 33639.26, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L84_1YRFIXEDOOCPI" }, { "rank": null, "lender": "Newcastle Permanent", "product": "Premium Plus Package Fixed Rate Home Loan Principal and Interest", "product_id": "HL_premiumplusfixedPI", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0797, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 825, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "Premium Plus 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)", "Break Costs Fixed Rate Loans" ], "charged_only_if_something_happens": [ "Consent Fee (200) — charged when a particular thing happens", "Electronic Transfer Fee (30) — charged per withdrawal", "Conversion Fee (350) — charged if the contract is varied", "Default Administration Fee 1 (35) — charged when a payment is late", "Document and Miscellaneous Service — charged for an enquiry", "Settlement Cheque Fee NPBS Cheque only (5) — charged per withdrawal", "Settlement Reschedule Fee (85) — charged when a particular thing happens", "Substitution in Security Fee (350) — charged if the contract is varied", "International Transfer Inward (12) — charged per deposit", "Default Administration Fee 2 (50) — charged when a payment is late", "Dishonour (Direct Debit and Cheque) (9) — charged when a payment is dishonoured" ] }, "cost_over_window": 32109.26, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Break Costs Fixed Rate Loans\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_premiumplusfixedPI" }, { "rank": null, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Smart Home Loan Fixed 12M", "product_id": "NICUL28F_12M", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0748, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 31884.26, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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 98; 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 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL28F_12M" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 80% LVR - Owner Occupied", "product_id": "OO_3YR_FRHL_MAX_80_LVR", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0686, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 93443.89, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_3YR_FRHL_MAX_80_LVR" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 80% LVR - Owner Occupied", "product_id": "OO_2YR_FRHL_MAX_80_LVR", "rate": 0.0629, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0692, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3091.61, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 62937.01, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_2YR_FRHL_MAX_80_LVR" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 3YR <60 LVR PI", "product_id": "L25_PLUS_PI_F3_60", "rate": 0.0634, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3107.91, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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" ] }, "cost_over_window": 93450.99, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_60" }, { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)", "product_id": "GB-OOPI-1YRF-LVR80", "rate": 0.0634, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0604, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3107.91, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 33634.52, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-1YRF-LVR80" }, { "rank": null, "lender": "Easystreet", "product": "2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_id": "L43-ES2YRF-OOPI", "rate": 0.0634, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0619, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3107.91, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 63193.04, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES2YRF-OOPI" }, { "rank": null, "lender": "Easystreet", "product": "1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_id": "L43-ES1YRF-OOPI", "rate": 0.0634, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0616, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3107.91, "fees": { "upfront": 500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 32034.52, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES1YRF-OOPI" }, { "rank": null, "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 3 Year Owner Occupied", "product_id": "3580", "rate": 0.0634, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0762, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3107.91, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 94680.99, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3580" }, { "rank": null, "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths", "product_id": "L27_FIXINT1-5_OCC_PRINSO48", "rate": 0.0635, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0644, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 1100, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 125082.9, "window_years": 4, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO48" }, { "rank": null, "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths", "product_id": "L27_FIXINT1-5_OCC_PRINSO60", "rate": 0.0635, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0644, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3111.18, "fees": { "upfront": 1100, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 155009.83, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO60" }, { "rank": null, "lender": "AMB Bank Product", "product": "1 Year Fixed Rate Home Loan", "product_id": "faa2bfcb-446a-4a6d-8cdc-e02bff622a69", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0691, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Fixed Rate Lock 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)", "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Default notice fee (30) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Property valuation fee — charged for an enquiry", "Audit Certificate Fee (50) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Fixed Rate Prepayment Cost — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens" ] }, "cost_over_window": 32234.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Archive retrieval 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 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 Prepayment Cost\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/faa2bfcb-446a-4a6d-8cdc-e02bff622a69" }, { "rank": null, "lender": "AMB Bank Product", "product": "DHOAS 1 Year Fixed Rate Home Loan", "product_id": "3b46c08a-4616-4b43-94cc-b92b969b9201", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 450, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Fixed Rate Lock 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)", "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Fixed Rate Prepayment Cost — charged when a particular thing happens" ] }, "cost_over_window": 32234.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Archive retrieval 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 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 Prepayment Cost\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/3b46c08a-4616-4b43-94cc-b92b969b9201" }, { "rank": null, "lender": "Australian Mutual Bank", "product": "Your Way Plus Fixed Home Loan", "product_id": "4da0798e-1e71-11f1-901a-325096b39f47", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.066, "lvr_band_applied": { "from": 0.601, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 850, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "LOAN_VARIATION_FEE (200) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for" ] }, "cost_over_window": 32634.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 3YR 60-80 LVR PI", "product_id": "L25_PLUS_PI_F3_60_80", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0625, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 94203.17, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_60_80" }, { "rank": null, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "BP-OOPI-3YRF-LVR95", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0676, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 95703.17, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-3YRF-LVR95" }, { "rank": null, "lender": "Defence Bank Limited", "product": "Ultimate Essentials DHOAS Fix", "product_id": "806", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0684, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Rate lock fee (published as a range up to 999999.99 — a run of nines lenders use for \"at cost\", not a price)", "Ultimate Package 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)" ], "charged_only_if_something_happens": [ "Break cost fee (0) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens" ] }, "cost_over_window": 31784.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Rate lock fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/806" }, { "rank": null, "lender": "Defence Bank Limited", "product": "Ultimate Essentials Fixed", "product_id": "809", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0688, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Rate lock fee (published as a range up to 999999.99 — a run of nines lenders use for \"at cost\", not a price)", "Ultimate Package 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)" ], "charged_only_if_something_happens": [ "Break cost fee (0) — charged when a particular thing happens", "Default notice (enforcement notice) (20) — charged when a particular thing happens", "Arrears reminder notice fee (per letter) (20) — charged when a particular thing happens" ] }, "cost_over_window": 31784.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Rate lock fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://product.defencebank.com.au/cds-au/v1/banking/products/809" }, { "rank": null, "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Fixed Home Loan", "product_id": "430be4b3-505a-471a-9daa-35d265e37301", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.066, "lvr_band_applied": { "from": 0.601, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 651, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 32435.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/430be4b3-505a-471a-9daa-35d265e37301" }, { "rank": null, "lender": "Gateway Bank", "product": "Premium Package 3Yr Fixed", "product_id": "131", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0642, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 94203.17, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/131" }, { "rank": null, "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 3 Year Owner Occupied", "product_id": "3320", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0744, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 95433.17, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3320" }, { "rank": null, "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 3 Year Owner Occupied", "product_id": "3450", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0766, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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", "Conversion fee - Switch to any other loan type (350) — charged if the contract is varied", "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", "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" ] }, "cost_over_window": 95433.17, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3450" }, { "rank": null, "lender": "Health Professionals Bank", "product": "Your Way Plus Fixed Home Loan", "product_id": "237ff224-4896-483b-bec2-5a7f79bbfb11", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.066, "lvr_band_applied": { "from": 0.601, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 650, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 32434.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/237ff224-4896-483b-bec2-5a7f79bbfb11" }, { "rank": null, "lender": "IMB Bank", "product": "4 year Fixed Rate Home Loan", "product_id": "RM-1-7", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0638, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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 — charged when a particular thing happens", "Advance Repayment Costs — charged per payment" ] }, "cost_over_window": 126383.7, "window_years": 4, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-7" }, { "rank": null, "lender": "IMB Bank", "product": "5 year Fixed Rate Home Loan", "product_id": "RM-1-8", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0639, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1598, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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 — charged when a particular thing happens", "Advance Repayment Costs — charged per payment" ] }, "cost_over_window": 156511.61, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-8" }, { "rank": null, "lender": "ING", "product": "Fixed Rate Loan", "product_id": "4bacdad3-d6f4-4c99-a50b-690a46bd9a23", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0614, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 1% to 70%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 91% to 95%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Change to letter of offer (250) — charged when a particular thing happens", "Additional statements (7) — charged when a particular thing happens", "Increase/decrease to loan amount (300) — charged when a particular thing happens", "Product switch (300) — charged when a particular thing happens", "Substitution of security (300) — charged when a particular thing happens", "Discharge Full and Partial (250) — charged when a particular thing happens", "Consent to Subdivision/2nd mortgage (300) — charged when a particular thing happens", "Removal or change to borrowers or guarantors (300) — charged when a particular thing happens", "Dishonoured cheque (9) — charged when a payment is dishonoured", "Direct debit rejected (9) — charged when a particular thing happens", "Arrears Default Letter (40) — charged when a particular thing happens", "Fixed Rate Lock in (749) — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens", "Late payment fee (30) — charged when a payment is late" ] }, "cost_over_window": 63544.09, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id.ob.ing.com.au/cds-au/v1/banking/products/4bacdad3-d6f4-4c99-a50b-690a46bd9a23" }, { "rank": null, "lender": "MACARTHUR CREDIT UNION LTD", "product": "GOVT LOW DEP 3YR FIXED OOC PI", "product_id": "L88_GOVTLOWDEP3YRFIXEDOOCPI", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0612, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1330, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 95533.17, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L88_GOVTLOWDEP3YRFIXEDOOCPI" }, { "rank": null, "lender": "MACARTHUR CREDIT UNION LTD", "product": "GOVT LOW DEP 2YR FIXED OOC PI", "product_id": "L88_GOVTLOWDEP2YRFIXEDOOCPI", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0608, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1330, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 64524.09, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L88_GOVTLOWDEP2YRFIXEDOOCPI" }, { "rank": null, "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 3YR FIXED OWNER OCCUPIED P&I", "product_id": "L86_3YRFIXEDOOCPI", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0753, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 96558.17, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L86_3YRFIXEDOOCPI" }, { "rank": null, "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 2YR FIXED OWNER OCCUPIED P&I", "product_id": "L85_2YRFIXEDOOCPI", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0767, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 2355, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "COLLECTION_FEE — charged on a cash advance", "LEGAL_FEE — charged on a cash advance", "VALUATION_FEE — charged on a cash advance" ] }, "cost_over_window": 65549.09, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L85_2YRFIXEDOOCPI" }, { "rank": null, "lender": "Newcastle Permanent", "product": "Fixed Rate Home Loan Principal and Interest", "product_id": "HL_fixedPI", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0796, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1770, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "Break Costs Fixed Rate Loans" ], "charged_only_if_something_happens": [ "Conversion Fee (350) — charged if the contract is varied", "Document and Miscellaneous Service — charged for an enquiry", "Settlement Cheque Fee NPBS Cheque only (5) — charged per withdrawal", "Dishonour (Direct Debit and Cheque) (9) — charged when a payment is dishonoured", "Redraw Fee via Branch (25) — charged per withdrawal", "Default Administration Fee 2 (50) — charged when a payment is late", "International Transfer Inward (12) — charged per deposit", "Electronic Transfer Fee (30) — charged per withdrawal", "Substitution in Security Fee (350) — charged if the contract is varied", "Settlement Reschedule Fee (85) — charged when a particular thing happens", "Default Administration Fee 1 (35) — charged when a payment is late", "Consent Fee (200) — charged when a particular thing happens" ] }, "cost_over_window": 33554.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Break Costs Fixed Rate Loans\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_fixedPI" }, { "rank": null, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Smart Home Loan Fixed 24M", "product_id": "NICUL28F_24M", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0739, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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", "MORTGAGE_VALUATION (275) — charged on a cash advance", "PEXA_ELCTRONIC_SETTLEMENT_AGENCY — charged on a cash advance" ] }, "cost_over_window": 63794.09, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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 90; 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL28F_24M" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_5YR_FRHL_MAX_95_LVR", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0679, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 155658.61, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_5YR_FRHL_MAX_95_LVR" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 95% LVR - First Home Buyer", "product_id": "FHB_4YR_FRHL_MAX_95_LVR", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0684, "lvr_band_applied": { "from": 0.000001, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 125530.7, "window_years": 4, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/FHB_4YR_FRHL_MAX_95_LVR" }, { "rank": null, "lender": "QBANK", "product": "3 Year Fixed Home Loan", "product_id": "3YearFixedHomeLoan", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.076, "lvr_band_applied": { "from": 0, "to": 0.949999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1190, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SPLIT_LOAN_FEE (25) — charged when a particular thing happens", "FIXED_INTEREST_RATE_CAP_FEE — charged when a particular thing happens", "PAPER_REDRAW_FEE (25) — charged when a particular thing happens" ] }, "cost_over_window": 95393.17, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/3YearFixedHomeLoan" }, { "rank": null, "lender": "QBANK", "product": "2 Year Fixed Home Loan", "product_id": "2YearFixedHomeLoan", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0775, "lvr_band_applied": { "from": 0, "to": 0.949999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3124.26, "fees": { "upfront": 1190, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SPLIT_LOAN_FEE (25) — charged when a particular thing happens", "FIXED_INTEREST_RATE_CAP_FEE — charged when a particular thing happens", "PAPER_REDRAW_FEE (25) — charged when a particular thing happens" ] }, "cost_over_window": 64384.09, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/2YearFixedHomeLoan" }, { "rank": null, "lender": "Teachers Mutual Bank", "product": "Your Way Plus Fixed Home Loan", "product_id": "ff700e74-c74b-4b83-90e2-9f6ee614d905", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.066, "lvr_band_applied": { "from": 0.601, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 650, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 32434.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/ff700e74-c74b-4b83-90e2-9f6ee614d905" }, { "rank": null, "lender": "UniBank", "product": "Your Way Plus Fixed Home Loan", "product_id": "f9072fc0-dbb2-4098-836e-7fd1c5cac03a", "rate": 0.0639, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.066, "lvr_band_applied": { "from": 0.601, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0639, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0644, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0659, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.1% to 60%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to 98%" } ], "monthly_repayment": 3124.26, "fees": { "upfront": 650, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "PACKAGE_FEE-HOME_LOANS (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)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "ACCOUNT_FUNCTIONS (2.5) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 32434.8, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/f9072fc0-dbb2-4098-836e-7fd1c5cac03a" }, { "rank": null, "lender": "AMB Bank Product", "product": "2 Year Fixed Rate Home Loan", "product_id": "4ee01905-fcea-450e-888a-efd17f14b8a7", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0687, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)", "Documentation re-issue 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)" ], "charged_only_if_something_happens": [ "Default notice fee (30) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens" ] }, "cost_over_window": 64895.21, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Archive retrieval 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 fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4ee01905-fcea-450e-888a-efd17f14b8a7" }, { "rank": null, "lender": "AMB Bank Product", "product": "3 Year Fixed Rate Home Loan", "product_id": "061082db-e567-447c-8b79-e4164ecdad7b", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0683, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Mortgage discharge fee (120) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens" ] }, "cost_over_window": 96155.49, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property 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 \"Archive retrieval fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/061082db-e567-447c-8b79-e4164ecdad7b" }, { "rank": null, "lender": "AMB Bank Product", "product": "DHOAS 2 Year Fixed Rate Home Loan", "product_id": "8e589573-3f80-4a86-8738-89267a521915", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0675, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Documentation re-issue 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)", "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Consent fee (250) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Archive retrieval fee (50) — charged when a particular thing happens" ] }, "cost_over_window": 64895.21, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property valuation fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/8e589573-3f80-4a86-8738-89267a521915" }, { "rank": null, "lender": "AMB Bank Product", "product": "DHOAS 3 Year Fixed Rate Home Loan", "product_id": "3411ebd4-5db6-409c-bc2b-89703382e1c5", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0672, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Consent fee (250) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens" ] }, "cost_over_window": 96155.49, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Archive retrieval 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 fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/3411ebd4-5db6-409c-bc2b-89703382e1c5" }, { "rank": null, "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 5 year fixed LVR <80%", "product_id": "fc16d62c-1305-4a2d-946f-3c393ab4f0a3", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0669, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "Premier Package 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)" ], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 156763.69, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/fc16d62c-1305-4a2d-946f-3c393ab4f0a3" }, { "rank": null, "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 4 year fixed LVR <80%", "product_id": "a1304a7f-8710-4c70-83f9-24cc782ed665", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0667, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "Premier Package 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)" ], "charged_only_if_something_happens": [ "Break Cost Fee — charged when a particular thing happens", "Arrears Fee (20) — charged when a payment is late" ] }, "cost_over_window": 126384.41, "window_years": 4, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a1304a7f-8710-4c70-83f9-24cc782ed665" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 1YR 80-90 LVR PI", "product_id": "L25_PLUS_PI_F1_80_90", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.065, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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" ] }, "cost_over_window": 32035.09, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_80_90" }, { "rank": null, "lender": "QBANK", "product": "1 Year Fixed Home Loan", "product_id": "1YearFixedHomeLoan", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0793, "lvr_band_applied": { "from": 0, "to": 0.949999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3140.64, "fees": { "upfront": 1190, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SPLIT_LOAN_FEE (25) — charged when a particular thing happens", "FIXED_INTEREST_RATE_CAP_FEE — charged when a particular thing happens", "PAPER_REDRAW_FEE (25) — charged when a particular thing happens" ] }, "cost_over_window": 33225.09, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/1YearFixedHomeLoan" }, { "rank": null, "lender": "Queensland Country Bank", "product": "Home Loan-Fixed", "product_id": "30", "rate": 0.0644, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0862, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" }, { "rate": 0.0664, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" }, { "rate": 0.0669, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80% to 95%" } ], "monthly_repayment": 3140.64, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Loan Maintenance 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)" ], "charged_only_if_something_happens": [ "Lenders Mortgage Insurance — something the standard has no type for", "Switch Fee (300) — charged when a particular thing happens", "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", "Rate Lock Fee (500) — 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" ] }, "cost_over_window": 32585.09, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/30" }, { "rank": null, "lender": "AMB Bank Product", "product": "DHOAS 5 Year Fixed Rate Home Loan", "product_id": "8626a986-1def-4e91-a860-0dc791eae729", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0669, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Mortgage discharge fee (120) — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "Legal Fees — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "Fixed Rate Prepayment Cost — charged when a particular thing happens" ] }, "cost_over_window": 158624.19, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property 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 Fees\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Archive retrieval 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 Prepayment Cost\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/8626a986-1def-4e91-a860-0dc791eae729" }, { "rank": null, "lender": "AMB Bank Product", "product": "5 Year Fixed Rate Home Loan", "product_id": "1fb57016-8792-4c85-baef-f628f9128a57", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0677, "lvr_band_applied": { "from": 0, "to": 0.98 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Paper statement fee (per statement) (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)" ], "charged_only_if_something_happens": [ "Legal Fees — charged when a particular thing happens", "Consent fee (250) — charged when a particular thing happens", "Archive retrieval fee — charged when a particular thing happens", "Documentation re-issue fee (100) — charged when a particular thing happens", "Audit Certificate Fee (50) — charged when a particular thing happens", "Copies of statements (up to 12 months) posted (1) — charged when a particular thing happens", "Arrears notice fee (20) — charged when a particular thing happens", "Property valuation fee — charged when a particular thing happens", "Copies of statements (up to 12 months) at branch (2.5) — charged when a particular thing happens", "Mortgage discharge fee (120) — charged when a particular thing happens", "Switch/variation fee - home & investment loans (100) — charged when a particular thing happens", "RateSaver Switch fee (100) — charged when a particular thing happens", "Copies of statements (over 12 months) at branch or posted (5) — charged when a particular thing happens", "Default notice fee (30) — charged when a particular thing happens", "Fixed Rate Prepayment Cost — charged when a particular thing happens" ] }, "cost_over_window": 158624.19, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"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 \"Archive retrieval 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 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 Prepayment Cost\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/1fb57016-8792-4c85-baef-f628f9128a57" }, { "rank": null, "lender": "ANZ", "product": "ANZ Fixed Rate home loan", "product_id": "3a86f9e4-1b41-4222-9091-5934d1fc9178", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0716, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0769, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" }, { "rate": 0.0769, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to no stated maximum" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Loan Administration Charge (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)" ], "charged_only_if_something_happens": [ "Valuation Administration Fee (0) — charged when a particular thing happens", "Guarantee Administration Fee (0) — charged when a particular thing happens", "Renegotiation Fee (Non Credit Critical) (0) — charged when a particular thing happens", "Late Payment Fee (20) — charged when a particular thing happens", "Lock Rate Fee (750) — charged when a particular thing happens", "Lodgement Fee (160) — charged when a particular thing happens", "Production Fee (160) — charged when a particular thing happens", "Settlement Fee (160) — charged when a particular thing happens", "Search Fee (50) — charged when a particular thing happens", "Renegotiation Fee (Full Credit Critical) (0) — charged when a particular thing happens", "Early Repayment Cost — something the standard has no type for", "Lenders Mortgage Insurance — something the standard has no type for", "Stamp Duty - Mortgage Document — something the standard has no type for", "Stamp Duty - Transfer Land — something the standard has no type for", "Enforcement expenses — something the standard has no type for", "Other Services — something the standard has no type for", "Registration of Mortgage — something the standard has no type for", "Discharge of Mortgage — something the standard has no type for" ] }, "cost_over_window": 32285.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Early Repayment Cost\", 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 \"Stamp Duty - Mortgage Document\", 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 - Transfer Land\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Enforcement expenses\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Other Services\", 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", "no amount or rate could be read for the fee \"Discharge of Mortgage\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.anz/cds-au/v1/banking/products/3a86f9e4-1b41-4222-9091-5934d1fc9178" }, { "rank": null, "lender": "Australian Mutual Bank", "product": "Your Way Fixed Rate Home Loan", "product_id": "fdbf226c-1e70-11f1-a618-325096b39f47", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 850, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "LOAN_VARIATION_FEE (200) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for" ] }, "cost_over_window": 33135.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/fdbf226c-1e70-11f1-a618-325096b39f47" }, { "rank": null, "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 3 year fixed LVR <80%", "product_id": "5eefa2f1-b228-4cf5-85c8-e333b9749b61", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0666, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "Premier Package 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)" ], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 96302.96, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/5eefa2f1-b228-4cf5-85c8-e333b9749b61" }, { "rank": null, "lender": "Bankwest", "product": "Fixed Rate Home Loan", "product_id": "6aed5cd829964d2b859424cfe6ab83fc", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0878, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0739, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0749, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0754, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0759, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0809, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0819, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0829, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0834, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0839, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 645, "annual": 0, "monthly": 0, "discharge_if_exiting": 626.34, "could_not_be_priced": [ "Loan Maintenance 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)", "Mortgage Registration Fee", "Discharge of Pre-existing Mortgage Registration Fee", "Fixed Rate Break Cost", "Fixed Rate Capping Fee (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)", "Lenders Mortgage Insurance" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged per transaction", "Arrears Notice Fee (35) — charged when a particular thing happens", "Legal Fees — charged when a particular thing happens", "Transfer of Land Registration Fee — charged when a particular thing happens", "Third Party Fees (including legal fees) Associated with the Discharge — charged when a particular thing happens", "Security Assessment Fee — charged when a particular thing happens", "Title Production Fee (130) — charged when a particular thing happens", "Search Handling Fee (40) — charged when a particular thing happens", "Home Loan Portability Fee (350) — charged if the contract is varied", "Default Administration Fee (50) — charged when a particular thing happens", "Loan Increase Fee (295) — charged if the contract is varied" ] }, "cost_over_window": 32930.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"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 \"Mortgage 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 \"Discharge of Pre-existing Mortgage 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 \"Transfer of Land 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 \"Third Party Fees (including legal fees) Associated with the Discharge\", so what it costs is unknown and is not being read as nothing", "the fee \"Discharge of Mortgage Registration Fee\" is published as a range from 135.8 to 238.14; the top of it is carried, because the bottom would understate what the consumer may be charged", "no amount or rate could be read for the fee \"Security Assessment 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 Break Cost\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/6aed5cd829964d2b859424cfe6ab83fc" }, { "rank": null, "lender": "Bankwest", "product": "Complete Fixed Home Loan Package", "product_id": "3e28f2ff9e5f4894bb39ea8a3cfc689a", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0732, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0739, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0749, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0754, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0759, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to 95%" }, { "rate": 0.0809, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0819, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0829, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0834, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" }, { "rate": 0.0839, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 95.01% to 98%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 626.34, "could_not_be_priced": [ "Mortgage Registration Fee", "Discharge of Pre-existing Mortgage Registration Fee", "Complete Home Loan 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)", "Fixed Rate Break Cost", "Fixed Rate Capping Fee (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)", "Lenders Mortgage Insurance" ], "charged_only_if_something_happens": [ "Bank Cheque Fee (10) — charged per transaction", "Arrears Notice Fee (35) — charged when a particular thing happens", "Legal Fees — charged when a particular thing happens", "Transfer of Land Registration Fee — charged when a particular thing happens", "Third Party Fees (including legal fees) Associated with the Discharge — charged when a particular thing happens", "Title Production Fee (130) — charged when a particular thing happens", "Search Handling Fee (40) — charged when a particular thing happens", "Home Loan Portability Fee (350) — charged if the contract is varied", "Default Administration Fee (50) — charged when a particular thing happens", "Loan Increase Fee (295) — charged if the contract is varied" ] }, "cost_over_window": 32635.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"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 \"Mortgage 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 \"Discharge of Pre-existing Mortgage 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 \"Transfer of Land 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 \"Third Party Fees (including legal fees) Associated with the Discharge\", so what it costs is unknown and is not being read as nothing", "the fee \"Discharge of Mortgage Registration Fee\" is published as a range from 135.8 to 238.14; the top of it is carried, because the bottom would understate what the consumer may be charged", "no amount or rate could be read for the fee \"Fixed Rate Break Cost\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/3e28f2ff9e5f4894bb39ea8a3cfc689a" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 2YR 80-90 LVR PI", "product_id": "L25_PLUS_PI_F2_80_90", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0647, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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" ] }, "cost_over_window": 64196.39, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_80_90" }, { "rank": null, "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 12 months - Principal and Interest", "product_id": "L31_5_OO_F12_PI", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.07, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 32285.39, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_5_OO_F12_PI" }, { "rank": null, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "BP-OOPI-2YRF-LVR95", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 65696.39, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-2YRF-LVR95" }, { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "GB-OOPI-3YRF-LVR95", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 97807.96, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-3YRF-LVR95" }, { "rank": null, "lender": "Firefighters Mutual Bank", "product": "Your Way Fixed Rate Home Loan", "product_id": "3d09a480-cb1d-4ed4-811b-8d619a5181c2", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1251, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 33536.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/3d09a480-cb1d-4ed4-811b-8d619a5181c2" }, { "rank": null, "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 4 Year Owner Occupied", "product_id": "3590", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0757, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 128023.39, "window_years": 4, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3590" }, { "rank": null, "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 5 Year Owner Occupied", "product_id": "3600", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0748, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 158654.19, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3600" }, { "rank": null, "lender": "Health Professionals Bank", "product": "Your Way Fixed Rate Home Loan", "product_id": "085335ef-2c2b-45d0-bd2f-a12fd634c07c", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 33535.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/085335ef-2c2b-45d0-bd2f-a12fd634c07c" }, { "rank": null, "lender": "HORIZON BANK", "product": "5 Year Fixed Home Loan", "product_id": "L31_HomeLoan_Fixed5Y", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0666, "lvr_band_applied": { "from": 0.7001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0634, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0.01% to 70%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 350, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "LEGAL_AND_VALUATION_FEES (0) — charged on a cash advance", "OTHER_FEES_AND_CHARGES_MAY_APPLY (0) — charged on a cash advance" ] }, "cost_over_window": 157774.19, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L31_HomeLoan_Fixed5Y" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 80% LVR - Owner Occupied", "product_id": "OO_5YR_FRHL_MAX_80_LVR", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0684, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 158169.19, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_5YR_FRHL_MAX_80_LVR" }, { "rank": null, "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 80% LVR - Owner Occupied", "product_id": "OO_4YR_FRHL_MAX_80_LVR", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0687, "lvr_band_applied": { "from": 0.000001, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 745, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 127538.39, "window_years": 4, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_4YR_FRHL_MAX_80_LVR" }, { "rank": null, "lender": "Teachers Mutual Bank", "product": "Your Way Fixed Rate Home Loan", "product_id": "48cebcca-c808-4ba9-92d1-debad11b4334", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 33535.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/48cebcca-c808-4ba9-92d1-debad11b4334" }, { "rank": null, "lender": "ubank", "product": "Flex - Fixed OO P&I", "product_id": "5", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 85%" }, { "rate": 0.0684, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 85.01% to 90%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 85%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 85.01% to 90%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 85%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 85.01% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 85%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 85.01% to 90%" } ], "monthly_repayment": 3157.05, "fees": { "upfront": 250, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Rate lock fee (500) — charged when a particular thing happens", "Valuation fee — something the standard has no type for", "Documentation fee (100) — charged when a particular thing happens", "Discharge fee (300) — charged when a particular thing happens", "Production fee (110) — charged when a particular thing happens", "Break costs — something the standard has no type for" ] }, "cost_over_window": 32535.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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", "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", "the MAX_LVR constraint is given as 85; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5" }, { "rank": null, "lender": "UniBank", "product": "Your Way Fixed Rate Home Loan", "product_id": "e043e768-d697-439b-a283-c7ac0b6a15e8", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1250, "annual": 0, "monthly": 0, "discharge_if_exiting": 250, "could_not_be_priced": [ "LEGAL_FEES (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "LENDERS_MORTGAGE_INSURANCE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "REGISTRATION_FEE (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "STAMP_DUTY (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "BREAK_FEE_(HOME_LOAN) (published as a range up to 9999999 — a run of nines lenders use for \"at cost\", not a price)", "FIXED_RATE_LOCK_FEE (charged as a rate of 0.0015 on balance, which this reader does not turn into an amount)" ], "charged_only_if_something_happens": [ "ADDITIONAL_SECURITY_FEE (120) — charged when a particular thing happens", "DEFAULT_NOTICE_FEE (25) — charged when a particular thing happens", "TITLE_SEARCH (1) — charged per transaction", "COLLECTION_CHARGES — something the standard has no type for", "LOAN_VARIATION_FEE (200) — charged when a particular thing happens" ] }, "cost_over_window": 33535.39, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged", "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/e043e768-d697-439b-a283-c7ac0b6a15e8" }, { "rank": null, "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_12_MONTHS", "rate": 0.0649, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.074, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3157.05, "fees": { "upfront": 1127.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "BREAK_COST_ADMINISTRATION_FEE (100) — charged when a particular thing happens", "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction" ] }, "cost_over_window": 33413.22, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_12_MONTHS" }, { "rank": null, "lender": "Great Southern Bank", "product": "1 year Fixed Rate OO P&I", "product_id": "4200-7102", "rate": 0.065, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.079, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3160.34, "fees": { "upfront": 835, "annual": 0, "monthly": 0, "discharge_if_exiting": 500, "could_not_be_priced": [ "Monthly Account Keeping 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 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)", "Government fees and charges", "Solicitors costs" ], "charged_only_if_something_happens": [ "Telegraphic transfer fee within Australia (35) — charged when a particular thing happens", "Account Information Fee (20) — charged when a particular thing happens", "Valuation fee — charged when a particular thing happens", "Home Guarantee Scheme LMI Premium — charged when a particular thing happens", "Arrears Letter Fee (22) — charged when a particular thing happens", "Default Notice Fee (33) — charged when a particular thing happens", "Split Loan Fee (300) — charged when a particular thing happens", "Fixed rate lock fee (600) — charged when a particular thing happens", "Early Payout Cost (EPC) — charged when a particular thing happens", "Debt Collection Fee — charged when a particular thing happens", "Redraw Fee (0) — charged when a particular thing happens", "Production Fee (100) — charged when a particular thing happens", "Re-documentation Fee (300) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 33170.45, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Solicitors costs\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-7102" }, { "rank": null, "lender": "Great Southern Bank", "product": "2 year Fixed Rate OO P&I", "product_id": "4200-7202", "rate": 0.065, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0775, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3160.34, "fees": { "upfront": 835, "annual": 0, "monthly": 0, "discharge_if_exiting": 500, "could_not_be_priced": [ "Monthly Account Keeping 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 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)", "Government fees and charges", "Solicitors costs" ], "charged_only_if_something_happens": [ "Telegraphic transfer fee within Australia (35) — charged when a particular thing happens", "Account Information Fee (20) — charged when a particular thing happens", "Valuation fee — charged when a particular thing happens", "Home Guarantee Scheme LMI Premium — charged when a particular thing happens", "Arrears Letter Fee (22) — charged when a particular thing happens", "Default Notice Fee (33) — charged when a particular thing happens", "Split Loan Fee (300) — charged when a particular thing happens", "Fixed rate lock fee (600) — charged when a particular thing happens", "Early Payout Cost (EPC) — charged when a particular thing happens", "Debt Collection Fee — charged when a particular thing happens", "Redraw Fee (0) — charged when a particular thing happens", "Production Fee (100) — charged when a particular thing happens", "Re-documentation Fee (300) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 65131.63, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Solicitors costs\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-7202" }, { "rank": null, "lender": "Great Southern Bank", "product": "3 year Fixed Rate OO P&I", "product_id": "4200-7302", "rate": 0.065, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0762, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3160.34, "fees": { "upfront": 835, "annual": 0, "monthly": 0, "discharge_if_exiting": 500, "could_not_be_priced": [ "Monthly Account Keeping 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 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)", "Government fees and charges", "Solicitors costs" ], "charged_only_if_something_happens": [ "Telegraphic transfer fee within Australia (35) — charged when a particular thing happens", "Account Information Fee (20) — charged when a particular thing happens", "Valuation fee — charged when a particular thing happens", "Home Guarantee Scheme LMI Premium — charged when a particular thing happens", "Arrears Letter Fee (22) — charged when a particular thing happens", "Default Notice Fee (33) — charged when a particular thing happens", "Split Loan Fee (300) — charged when a particular thing happens", "Fixed rate lock fee (600) — charged when a particular thing happens", "Early Payout Cost (EPC) — charged when a particular thing happens", "Debt Collection Fee — charged when a particular thing happens", "Redraw Fee (0) — charged when a particular thing happens", "Production Fee (100) — charged when a particular thing happens", "Re-documentation Fee (300) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 96693.45, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Solicitors costs\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-7302" }, { "rank": null, "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 2 year fixed LVR <80%", "product_id": "4305fbdd-6bd8-42b9-99b5-74c3bb6ee953", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0665, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "Premier Package 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)" ], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 65292.61, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/4305fbdd-6bd8-42b9-99b5-74c3bb6ee953" }, { "rank": null, "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 1 year fixed LVR <80%", "product_id": "b346ebf5-5f07-43eb-a3dd-4a4e57ab7b4e", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0661, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "Premier/Rewards Package 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)" ], "charged_only_if_something_happens": [ "Break Cost Fee — charged when a particular thing happens", "Arrears Fee (20) — charged when a payment is late" ] }, "cost_over_window": 33130.71, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/b346ebf5-5f07-43eb-a3dd-4a4e57ab7b4e" }, { "rank": null, "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 5 year fixed LVR <80%", "product_id": "56082722-4862-44b4-af6f-869574e970d4", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0639, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 159275, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/56082722-4862-44b4-af6f-869574e970d4" }, { "rank": null, "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 4 year fixed LVR <80%", "product_id": "4d0d6670-a2f2-47b3-853e-8eaeaf8c5727", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 128392.56, "window_years": 4, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/4d0d6670-a2f2-47b3-853e-8eaeaf8c5727" }, { "rank": null, "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "BP-OOPI-1YRF-LVR95", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1500, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_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" ] }, "cost_over_window": 34035.71, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-1YRF-LVR95" }, { "rank": null, "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 4 Year Owner Occupied", "product_id": "3330", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0737, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 129027.56, "window_years": 4, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3330" }, { "rank": null, "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 5 Year Owner Occupied", "product_id": "3340", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0728, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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", "Law stationers fee — charged when a particular thing happens", "Conversion fee - Switch to any other loan type (350) — charged if the contract is varied", "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" ] }, "cost_over_window": 159910, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3340" }, { "rank": null, "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 4 Year Owner Occupied", "product_id": "3460", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0758, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 129027.56, "window_years": 4, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3460" }, { "rank": null, "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 5 Year Owner Occupied", "product_id": "3470", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0746, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1230, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [ "Mortgage Insurance Premium Fee", "Break costs", "Title insurance premium" ], "charged_only_if_something_happens": [ "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", "Conversion fee - Switch to any other loan type (350) — charged if the contract is varied", "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" ] }, "cost_over_window": 159910, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3470" }, { "rank": null, "lender": "My State PM Production", "product": "Fixed Rate Loan", "product_id": "d79525be-1309-48e6-b034-4ed1a2ba17a1", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0804, "lvr_band_applied": { "from": 0.71, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" }, { "rate": 0.0654, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0649, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 81% to 90%" } ], "monthly_repayment": 3173.5, "fees": { "upfront": 1200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Title production (150) — charged when a particular thing happens", "Letter of Variation (150) — charged when a particular thing happens", "Copy of Title (30) — charged when a particular thing happens", "Subsequent dealing (150) — charged when a particular thing happens", "Mortgage discharge (380) — charged when a particular thing happens", "Dishonour and Rejection fee (per dishonour) (5) — charged when a particular thing happens", "Cheques deposited and dishonoured (per cheque) (20) — charged when a particular thing happens", "Arrears Administration Fee (30) — charged when a particular thing happens", "Overdrawn Administration Fee (30) — charged when a particular thing happens", "Other default notices (30) — charged when a particular thing happens", "Non-insurance Renewal Service expense (25) — charged when a particular thing happens", "Fixed Rate Lock In Fee. — charged when a particular thing happens", "Break Cost Fee — something the standard has no type for", "Mortgage preparation (95) — charged when a particular thing happens", "Progressive draw (per draw) (150) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Demand notices (30) — charged when a particular thing happens" ] }, "cost_over_window": 65897.61, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/d79525be-1309-48e6-b034-4ed1a2ba17a1" }, { "rank": null, "lender": "QBANK", "product": "5 Year Fixed Home Loan", "product_id": "5YearFixedHomeLoan", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0741, "lvr_band_applied": { "from": 0, "to": 0.949999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1190, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SPLIT_LOAN_FEE (25) — charged when a particular thing happens", "FIXED_INTEREST_RATE_CAP_FEE — charged when a particular thing happens", "PAPER_REDRAW_FEE (25) — charged when a particular thing happens" ] }, "cost_over_window": 159870, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/5YearFixedHomeLoan" }, { "rank": null, "lender": "Suncorp Bank", "product": "5 Year Fixed Rate - Home Package Plus Special Offers for First Home Buyers", "product_id": "FX5FHB150K+", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.07, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 158680, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/FX5FHB150K%2B" }, { "rank": null, "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_24_MONTHS", "rate": 0.0654, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0766, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3173.5, "fees": { "upfront": 1127.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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 (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)" ], "charged_only_if_something_happens": [ "BREAK_COST_ADMINISTRATION_FEE (100) — charged when a particular thing happens", "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction" ] }, "cost_over_window": 65825.44, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_24_MONTHS" }, { "rank": null, "lender": "Great Southern Bank", "product": "5 year Fixed Rate OO P&I", "product_id": "4200-7502", "rate": 0.0655, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0741, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3176.8, "fees": { "upfront": 835, "annual": 0, "monthly": 0, "discharge_if_exiting": 500, "could_not_be_priced": [ "Monthly Account Keeping 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 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)", "Government fees and charges", "Solicitors costs" ], "charged_only_if_something_happens": [ "Telegraphic transfer fee within Australia (35) — charged when a particular thing happens", "Account Information Fee (20) — charged when a particular thing happens", "Valuation fee — charged when a particular thing happens", "Home Guarantee Scheme LMI Premium — charged when a particular thing happens", "Arrears Letter Fee (22) — charged when a particular thing happens", "Default Notice Fee (33) — charged when a particular thing happens", "Split Loan Fee (300) — charged when a particular thing happens", "Fixed rate lock fee (600) — charged when a particular thing happens", "Early Payout Cost (EPC) — charged when a particular thing happens", "Debt Collection Fee — charged when a particular thing happens", "Redraw Fee (0) — charged when a particular thing happens", "Production Fee (100) — charged when a particular thing happens", "Re-documentation Fee (300) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 159766.15, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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", "no amount or rate could be read for the fee \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Solicitors costs\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/4200-7502" }, { "rank": null, "lender": "Bank Australia", "product": "Clean Energy Home Loan Fixed", "product_id": "3afd1a9c-e501-4c89-a5f2-1148c555509d", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0645, "lvr_band_applied": { "from": 0, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Rate Lock Fee — something the standard has no type for", "Portability Fee- New Mortgage (500) — charged when a particular thing happens", "Break Fee — charged when a particular thing happens", "Mortgage Discharge Fee (275) — charged when a particular thing happens", "1st Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 97213.2, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3afd1a9c-e501-4c89-a5f2-1148c555509d" }, { "rank": null, "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 3 year fixed LVR <80%", "product_id": "5491ba9a-b250-4902-b75c-8e46a8e26d7b", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0635, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 97808.2, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/5491ba9a-b250-4902-b75c-8e46a8e26d7b" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 3YR 80-90 LVR PI", "product_id": "L25_PLUS_PI_F3_80_90", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0644, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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" ] }, "cost_over_window": 97213.2, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_80_90" }, { "rank": null, "lender": "Community First Credit Union", "product": "Community Advantage 2 year fixed owner occupied (Principal and Interest)", "product_id": "CA-OOPI-2YRF", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0664, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 67298.88, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-2YRF" }, { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "GB-OOPI-2YRF-LVR95", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0637, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 67298.88, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-2YRF-LVR95" }, { "rank": null, "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Smart Home Loan Fixed 36M", "product_id": "NICUL28F_36M", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0735, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 97813.2, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [ "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 98; 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 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL28F_36M" }, { "rank": null, "lender": "QBANK", "product": "4 Year Fixed Home Loan", "product_id": "4YearFixedHomeLoan", "rate": 0.0659, "rate_type": "FIXED", "fixed_years": 4, "comparison_rate_published_by_lender": 0.0754, "lvr_band_applied": { "from": 0, "to": 0.949999 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3189.99, "fees": { "upfront": 1190, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "SPLIT_LOAN_FEE (25) — charged when a particular thing happens", "FIXED_INTEREST_RATE_CAP_FEE — charged when a particular thing happens", "PAPER_REDRAW_FEE (25) — charged when a particular thing happens" ] }, "cost_over_window": 129991.91, "window_years": 4, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/4YearFixedHomeLoan" }, { "rank": null, "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 2 year fixed LVR <80%", "product_id": "53ff2a05-08e5-4e77-9da1-3e7512c806d6", "rate": 0.0664, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0633, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3206.52, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 66295.19, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/53ff2a05-08e5-4e77-9da1-3e7512c806d6" }, { "rank": null, "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 1 year fixed LVR <80%", "product_id": "6eef59e3-d311-4318-b591-40788f11517e", "rate": 0.0664, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0628, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3206.52, "fees": { "upfront": 595, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Arrears Fee (20) — charged when a payment is late", "Discharge Of Mortgage Fee (395) — charged when a particular thing happens", "Break Cost Fee — charged when a particular thing happens" ] }, "cost_over_window": 33631.37, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/6eef59e3-d311-4318-b591-40788f11517e" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 1YR >90 LVR PI", "product_id": "L25_PLUS_PI_F1_90", "rate": 0.0664, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.067, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3206.52, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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", "REFIXING_FEE (300) — 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" ] }, "cost_over_window": 33036.37, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_90" }, { "rank": null, "lender": "Community First Credit Union", "product": "Community Advantage 1 year fixed Owner Occupied (Principal and Interest)", "product_id": "CA-OOPI-1YRF", "rate": 0.0664, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0665, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3206.52, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 35136.37, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-1YRF" }, { "rank": null, "lender": "Community First Credit Union", "product": "GO BASIC 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)", "product_id": "GB-OOPI-1YRF-LVR95", "rate": 0.0664, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0634, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3206.52, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 35136.37, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-OOPI-1YRF-LVR95" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 2YR >90 LVR PI", "product_id": "L25_PLUS_PI_F2_90", "rate": 0.0669, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0667, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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", "REFIXING_FEE (300) — 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" ] }, "cost_over_window": 66201.57, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_90" }, { "rank": null, "lender": "RACQ Bank", "product": "1 Year Fixed Home Loan Owner Occupier", "product_id": "590", "rate": 0.0669, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": { "from": 0.0001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" } ], "monthly_repayment": 3223.07, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Early Payment Fee — something the standard has no type for", "Loan Document Fee - Top Up — charged when a particular thing happens", "Early Termination Fee — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens", "Substitution of Mortgage Security (350) — charged when a particular thing happens", "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee (150) — charged when a particular thing happens", "Home Loan Fixed Rate Lock Fee (500) — charged when a particular thing happens", "Default Enforcement Expenses — something the standard has no type for" ] }, "cost_over_window": 33836.72, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Early Payment Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Termination 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", "no amount or rate could be read for the fee \"Default Enforcement Expenses\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/590" }, { "rank": null, "lender": "Suncorp Bank", "product": "1,2,3 or 5 Year Fixed Rate", "product_id": "FX", "rate": 0.0669, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0885, "lvr_band_applied": { "from": 0.01, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3223.07, "fees": { "upfront": 1590, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "Monthly Account Keeping 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)" ], "charged_only_if_something_happens": [ "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", "Renegotiation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 67791.57, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/FX" }, { "rank": null, "lender": "Bank Australia", "product": "Offset Home Loan Fixed", "product_id": "f6d7c058-e189-4454-81cc-dc30bc59f577", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0643, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" } ], "monthly_repayment": 3239.67, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "Rate Lock Fee — something the standard has no type for", "Portability Fee- New Mortgage (500) — charged when a particular thing happens", "Break Fee — charged when a particular thing happens", "Mortgage Discharge Fee (275) — charged when a particular thing happens", "1st Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 33537.07, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f6d7c058-e189-4454-81cc-dc30bc59f577" }, { "rank": null, "lender": "Bank Australia", "product": "Basic Home Loan Fixed", "product_id": "230145b1-fedf-4b8d-a9a0-a36acb6bf1a6", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0621, "lvr_band_applied": { "from": 0.701, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0679, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.1% to no stated maximum" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0689, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 60%" }, { "rate": 0.0699, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 60.1% to 70%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.1% to 90%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90% to no stated maximum" } ], "monthly_repayment": 3239.67, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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 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)" ], "charged_only_if_something_happens": [ "Rate Lock Fee — something the standard has no type for", "Portability Fee- New Mortgage (500) — charged when a particular thing happens", "Break Fee — charged when a particular thing happens", "Mortgage Discharge Fee (275) — charged when a particular thing happens", "1st Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 33537.07, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/230145b1-fedf-4b8d-a9a0-a36acb6bf1a6" }, { "rank": null, "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied- Fixed Interest - 24 months - Principal and Interest", "product_id": "L31_6_OO_F24_PI", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.07, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3239.67, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 66702.97, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_6_OO_F24_PI" }, { "rank": null, "lender": "Community First Credit Union", "product": "Community Advantage 3 year fixed Owner Occupied (Principal and Interest)", "product_id": "CA-OOPI-3YRF", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0669, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3239.67, "fees": { "upfront": 2100, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 101571.89, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-3YRF" }, { "rank": null, "lender": "Qudos Bank", "product": "Fixed Rate Home Loan", "product_id": "1dd0fcbe-9d7e-4e82-a18f-935ada0e237f", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.062, "lvr_band_applied": { "from": 0, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0704, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0719, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 80.01% to 90%" } ], "monthly_repayment": 3239.67, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)", "Account Keeping 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)" ], "charged_only_if_something_happens": [ "Rate Lock Fee — something the standard has no type for" ] }, "cost_over_window": 33537.07, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/1dd0fcbe-9d7e-4e82-a18f-935ada0e237f" }, { "rank": null, "lender": "RACQ Bank", "product": "2 Year Fixed Home Loan Owner Occupier", "product_id": "595", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": { "from": 0.0001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0724, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" } ], "monthly_repayment": 3239.67, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Substitution of Mortgage Security (350) — charged when a particular thing happens", "Home Loan Fixed Rate Lock Fee (500) — charged when a particular thing happens", "Loan Document Fee - Top Up — charged when a particular thing happens", "Default Enforcement Expenses — something the standard has no type for", "Early Payment Fee — something the standard has no type for", "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee (150) — charged when a particular thing happens", "Early Termination Fee — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens" ] }, "cost_over_window": 67252.97, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Default Enforcement Expenses\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payment Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Termination 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/595" }, { "rank": null, "lender": "RACQ Bank", "product": "3 Year Fixed Home Loan Owner Occupier", "product_id": "594", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0678, "lvr_band_applied": { "from": 0.0001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0724, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" } ], "monthly_repayment": 3239.67, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Default Enforcement Expenses — something the standard has no type for", "Loan Document Fee - Top Up — charged when a particular thing happens", "Early Payment Fee — something the standard has no type for", "Early Termination Fee — charged when a particular thing happens", "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee (150) — charged when a particular thing happens", "Substitution of Mortgage Security (350) — charged when a particular thing happens", "Home Loan Fixed Rate Lock Fee (500) — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens" ] }, "cost_over_window": 100021.89, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Default Enforcement Expenses\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payment Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Termination 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/594" }, { "rank": null, "lender": "Westpac", "product": "Fixed Rate Home Loan", "product_id": "HLFixed", "rate": 0.0674, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0715, "lvr_band_applied": { "from": 0.8, "to": 0.95 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0734, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3239.67, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "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)", "Monthly Loan 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)", "Lenders Mortgage Insurance Premium" ], "charged_only_if_something_happens": [ "Fixed Rate - Lock-In Fee — charged when a particular thing happens", "Bank Cheque Issuance Fee (10) — charged when a particular thing happens", "Break Cost Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late", "Account Overdrawn Fee (15) — charged when a particular thing happens", "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Extra repayments (0) — charged when a particular thing happens", "Redraw (0) — charged when a particular thing happens", "Repayment holidays or Reduced Repayments (0) — charged when a particular thing happens", "Construction loan option (0) — charged when a particular thing happens", "Portability option (0) — charged when a particular thing happens", "Loan switching (0) — charged when a particular thing happens", "Split Loan Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 67302.97, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Lenders Mortgage 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 \"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 \"Property Valuer Fee\", so what it costs is unknown and is not being read as nothing" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLFixed" }, { "rank": null, "lender": "Cairns Bank", "product": "PLUS HOME LOAN FIXED 3YR >90 PI", "product_id": "L25_PLUS_PI_F3_90", "rate": 0.0679, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0664, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3256.3, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "ADDITIONAL_REDRAW_FEE (20) — charged when a particular thing happens", "BANK_CHEQUE_FEE (12) — 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", "REFIXING_FEE (300) — 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" ] }, "cost_over_window": 100225.01, "window_years": 3, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_90" }, { "rank": null, "lender": "Credit Union SA", "product": "3-Year Fixed Rate Home Loan Principal and Interest", "product_id": "CREDITUNIONSA_HL_443F3", "rate": 0.0679, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0716, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3256.3, "fees": { "upfront": 300, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 100525.01, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_443F3" }, { "rank": null, "lender": "Bank of Melbourne", "product": "Fixed Rate Home Loan", "product_id": "BOMHLFixedRate", "rate": 0.0684, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.069, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0734, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3272.96, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium", "Annual Advantage 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)" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late", "Break Cost fee — charged when a particular thing happens", "Fixed Rate - Lock-In Fee (1000) — charged when a particular thing happens" ] }, "cost_over_window": 34637.82, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing", "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", "the fee \"Fixed Rate - Lock-In Fee\" is published as a range from 500 to 1000; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMHLFixedRate" }, { "rank": null, "lender": "BankSA", "product": "Fixed Rate Home Loan", "product_id": "BSAHLFixedRate", "rate": 0.0684, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.069, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0734, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3272.96, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium", "Annual Advantage 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)" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late", "Break Cost fee — charged when a particular thing happens", "Fixed Rate - Lock-In Fee (1000) — charged when a particular thing happens" ] }, "cost_over_window": 34637.82, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing", "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", "the fee \"Fixed Rate - Lock-In Fee\" is published as a range from 500 to 1000; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLFixedRate" }, { "rank": null, "lender": "Gateway Bank", "product": "Home Loan 3yr Fixed Rate", "product_id": "106", "rate": 0.0684, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0818, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3272.96, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Top-Up Fee (200) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Security by Variation (200) — charged when a particular thing happens", "Additional Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 101877.25, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/106" }, { "rank": null, "lender": "St. George Bank", "product": "Fixed Rate Home Loan", "product_id": "STGHLFixedRate", "rate": 0.0684, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.069, "lvr_band_applied": { "from": 0.7, "to": 0.8 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0729, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0734, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0674, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0694, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0709, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" }, { "rate": 0.0714, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 0% to 70%" } ], "monthly_repayment": 3272.96, "fees": { "upfront": 600, "annual": 0, "monthly": 0, "discharge_if_exiting": 350, "could_not_be_priced": [ "Loan 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)", "Lenders Mortgage Insurance Premium", "Annual Advantage 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)" ], "charged_only_if_something_happens": [ "Document Processing Fee (100) — charged when a particular thing happens", "Property Valuer Fee — charged when a particular thing happens", "Missed Payment Fee (15) — charged when a payment is late", "Break Cost fee — charged when a particular thing happens", "Fixed Rate - Lock-In Fee (1000) — charged when a particular thing happens" ] }, "cost_over_window": 34637.82, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [ "no amount or rate could be read for the fee \"Property Valuer 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 Premium\", so what it costs is unknown and is not being read as nothing", "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", "the fee \"Fixed Rate - Lock-In Fee\" is published as a range from 500 to 1000; the top of it is carried, because the bottom would understate what the consumer may be charged" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLFixedRate" }, { "rank": null, "lender": "Credit Union SA", "product": "2-Year Fixed Rate Home Loan Principal and Interest", "product_id": "CREDITUNIONSA_HL_443F2", "rate": 0.0689, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0722, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3289.66, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Increase an existing fixed rate home loan (300) — 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", "Increase an existing fixed rate home loan (300) — charged when a particular thing happens", "Rate Lock Fee (600) — charged when a particular thing happens", "Increase an existing fixed rate home loan (300) — charged when a particular thing happens" ] }, "cost_over_window": 68207.48, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_443F2" }, { "rank": null, "lender": "Gateway Bank", "product": "Home Loan 1yr Fixed Rate", "product_id": "102", "rate": 0.0694, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0855, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3306.39, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Top-Up Fee (200) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Security by Variation (200) — charged when a particular thing happens", "Additional Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 35437.61, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/102" }, { "rank": null, "lender": "RACQ Bank", "product": "5 Year Fixed Home Loan Owner Occupier", "product_id": "597", "rate": 0.0694, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0687, "lvr_band_applied": { "from": 0.0001, "to": 0.9 }, "rate_turns_on_lvr": true, "rates_not_available_at_this_lvr": [ { "rate": 0.0744, "lendingRateType": "FIXED", "why": "it is published for a loan to value ratio of 90.01% to no stated maximum" } ], "monthly_repayment": 3306.39, "fees": { "upfront": 550, "annual": 0, "monthly": 0, "discharge_if_exiting": 300, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Early Termination Fee — charged when a particular thing happens", "Early Payment Fee — something the standard has no type for", "Loan Document Fee - Top Up — charged when a particular thing happens", "Home Loan Fixed Rate Lock Fee (500) — charged when a particular thing happens", "Default Enforcement Expenses — something the standard has no type for", "Substitution of Mortgage Security (350) — charged when a particular thing happens", "Company / Trust - Borrower / Guarantor Party Fee Company Search and Review Fee (150) — charged when a particular thing happens", "Valuation Fee — charged when a particular thing happens" ] }, "cost_over_window": 169288.22, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [ "no amount or rate could be read for the fee \"Early Termination Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Early Payment Fee\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing", "no amount or rate could be read for the fee \"Default Enforcement Expenses\", 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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/597" }, { "rank": null, "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Fixed Interest - 36 months - Principal and Interest", "product_id": "L31_9_OO_F36_PI", "rate": 0.0699, "rate_type": "FIXED", "fixed_years": 3, "comparison_rate_published_by_lender": 0.0705, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3323.16, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [] }, "cost_over_window": 103238.53, "window_years": 3, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_9_OO_F36_PI" }, { "rank": null, "lender": "Gateway Bank", "product": "Home Loan 2yr Fixed Rate", "product_id": "105", "rate": 0.0704, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.0839, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3339.96, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Top-Up Fee (200) — charged when a particular thing happens", "Switch Fee (150) — charged when a particular thing happens", "Security by Variation (200) — charged when a particular thing happens", "Additional Valuation Fee (0) — charged when a particular thing happens" ] }, "cost_over_window": 70611.37, "window_years": 2, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/105" }, { "rank": null, "lender": "Credit Union SA", "product": "1-Year Fixed Home Loan Principal and Interest", "product_id": "CREDITUNIONSA_HL_443F1", "rate": 0.0709, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0727, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3356.79, "fees": { "upfront": 1800, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_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" ] }, "cost_over_window": 37089.86, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_443F1" }, { "rank": null, "lender": "Gateway Bank", "product": "Premium Package 5yr Fixed", "product_id": "123", "rate": 0.0709, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0679, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3356.79, "fees": { "upfront": 0, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [ "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)" ], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 172515.18, "window_years": 5, "cost_is_a_floor": true, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/123" }, { "rank": null, "lender": "Bank of Sydney", "product": "Expect More Home Loan Owner Occupied - Fixed", "product_id": "emhl_oo_fixed", "rate": 0.0729, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0652, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3424.46, "fees": { "upfront": 200, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [], "charged_only_if_something_happens": [ "Discharge of Mortgage Fee (400) — charged when a particular thing happens", "Variation Fee (300) — charged when a particular thing happens" ] }, "cost_over_window": 36491.66, "window_years": 1, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/emhl_oo_fixed" }, { "rank": null, "lender": "Gateway Bank", "product": "Home Loan 5yr Fixed", "product_id": "109", "rate": 0.0734, "rate_type": "FIXED", "fixed_years": 5, "comparison_rate_published_by_lender": 0.0812, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3441.46, "fees": { "upfront": 899, "annual": 0, "monthly": 0, "discharge_if_exiting": 395, "could_not_be_priced": [], "charged_only_if_something_happens": [ "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" ] }, "cost_over_window": 179714.71, "window_years": 5, "cost_is_a_floor": false, "published_data_problems": [ "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" ], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/109" }, { "rank": null, "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_PRINCIPLE_AND_INTEREST_FIXED_12_MONTHS", "rate": 0.0799, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0821, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3665.34, "fees": { "upfront": 2189.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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)" ], "charged_only_if_something_happens": [ "BREAK_COST_ADMINISTRATION_FEE (100) — charged when a particular thing happens", "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction", "VARIATION_FEE (150) — charged per transaction" ] }, "cost_over_window": 41988.77, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_PRINCIPLE_AND_INTEREST_FIXED_12_MONTHS" }, { "rank": null, "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_24_MONTHS", "rate": 0.0804, "rate_type": "FIXED", "fixed_years": 2, "comparison_rate_published_by_lender": 0.082, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3682.77, "fees": { "upfront": 1727.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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)" ], "charged_only_if_something_happens": [ "BREAK_COST_ADMINISTRATION_FEE (100) — charged when a particular thing happens", "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction", "VARIATION_FEE (150) — charged per transaction" ] }, "cost_over_window": 81481.14, "window_years": 2, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_24_MONTHS" }, { "rank": null, "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_12_MONTHS", "rate": 0.0824, "rate_type": "FIXED", "fixed_years": 1, "comparison_rate_published_by_lender": 0.0818, "lvr_band_applied": null, "rate_turns_on_lvr": false, "rates_not_available_at_this_lvr": [], "monthly_repayment": 3752.82, "fees": { "upfront": 2189.83, "annual": 0, "monthly": 0, "discharge_if_exiting": 0, "could_not_be_priced": [ "LOAN_ARREARS_LETTER_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)" ], "charged_only_if_something_happens": [ "BREAK_COST_ADMINISTRATION_FEE (100) — charged when a particular thing happens", "MORTGAGE_RELEASE_FEE (150) — charged per transaction", "MORTGAGE_RELEASE_FEE_-_SOLICITOR (200) — charged per transaction", "VARIATION_FEE (150) — charged per transaction" ] }, "cost_over_window": 43241.67, "window_years": 1, "cost_is_a_floor": true, "published_data_problems": [], "retrieved_at": "2026-09-19T16:10:55.791Z", "source": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_12_MONTHS" } ], "not_compared": [ { "lender": "AMP Bank GO", "product": "AMP Bank GO Save", "product_id": "7c034be5-b76d-4b26-959a-29ef8e045b7f", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO 6 Month Term Deposit", "product_id": "112eb0a7-0201-445e-9ff7-9fdcb214d888", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO 6 Month Business Term Deposit", "product_id": "112d89e3-9fa0-45b1-8bf8-0a32924f4f06", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO 12 Month Term Deposit", "product_id": "10f39a51-6d9f-4911-a171-8a0681f2a9e0", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO 12 Month Business Term Deposit", "product_id": "10f2d091-ae31-4eea-ba32-490a88f08a23", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO Business Save", "product_id": "38f4aa26-6ef6-49c9-975d-8f41e2a0dfa9", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO Joint Everyday Account", "product_id": "742ac387-bd04-489d-a60b-6af630eee3ff", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO Everyday Business Account", "product_id": "908e6787-1a71-4f7f-a982-6f93a557020e", "why": "\"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." }, { "lender": "AMP Bank GO", "product": "AMP Bank GO Everyday Account", "product_id": "90821a8d-3356-4e9a-bc23-13f16e03d413", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Variable Interest Only Owner Occupied", "product_id": "3290", "why": "\"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." }, { "lender": "Greater Bank", "product": "Discounted Great Rate Home Loan - Variable Interest Only Owner Occupied", "product_id": "3295", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 1 Year Interest Only Owner Occupied", "product_id": "3305", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 2 Year Interest Only Owner Occupied", "product_id": "3315", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 3 Year Interest Only Owner Occupied", "product_id": "3325", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 4 Year Interest Only Owner Occupied", "product_id": "3335", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 5 Year Interest Only Owner Occupied", "product_id": "3345", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Variable Investment", "product_id": "3350", "why": "\"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." }, { "lender": "Greater Bank", "product": "Discounted Great Rate Home Loan - Variable Investment", "product_id": "3355", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Variable Interest Only Investment", "product_id": "3360", "why": "\"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." }, { "lender": "Greater Bank", "product": "Discounted Great Rate Home Loan - Variable Interest Only Investment", "product_id": "3365", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 1 Year Investment", "product_id": "3370", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 1 Year Interest Only Investment", "product_id": "3375", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 2 Year Investment", "product_id": "3380", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 2 Year Interest Only Investment", "product_id": "3385", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 3 Year Investment", "product_id": "3390", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 3 Year Interest Only Investment", "product_id": "3395", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 4 Year Investment", "product_id": "3400", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 4 Year Interest Only Investment", "product_id": "3405", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 5 Year Investment", "product_id": "3410", "why": "\"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." }, { "lender": "Greater Bank", "product": "Great Rate Home Loan - Fixed 5 Year Interest Only Investment", "product_id": "3415", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Variable Interest Only Owner Occupied", "product_id": "3425", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 1 Year Interest Only Owner Occupied", "product_id": "3435", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 2 Year Interest Only Owner Occupied", "product_id": "3445", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 3 Year Interest Only Owner Occupied", "product_id": "3455", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 4 Year Interest Only Owner Occupied", "product_id": "3465", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 5 Year Interest Only Owner Occupied", "product_id": "3475", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Variable Investment", "product_id": "3480", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Variable Interest Only Investment", "product_id": "3485", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 1 Year Investment", "product_id": "3490", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 1 Year Interest Only Investment", "product_id": "3495", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 2 Year Investment", "product_id": "3500", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 2 Year Interest Only Investment", "product_id": "3505", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 3 Year Investment", "product_id": "3510", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 3 Year Interest Only Investment", "product_id": "3515", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 4 Year Investment", "product_id": "3520", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 4 Year Interest Only Investment", "product_id": "3525", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 5 Year Investment", "product_id": "3530", "why": "\"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." }, { "lender": "Greater Bank", "product": "Standard Home Loan - Fixed 5 Year Interest Only Investment", "product_id": "3535", "why": "\"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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Variable Interest Only Owner Occupied", "product_id": "3550", "why": "\"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." }, { "lender": "Greater Bank", "product": "Discounted Ultimate Packaged Home Loan - Variable Interest Only Owner Occupied", "product_id": "3555", "why": "\"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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 1 Year Interest Only Owner Occupied", "product_id": "3565", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 2 Year Interest Only Owner Occupied", "product_id": "3575", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 3 Year Interest Only Owner Occupied", "product_id": "3585", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 4 Year Interest Only Owner Occupied", "product_id": "3595", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 5 Year Interest Only Owner Occupied", "product_id": "3605", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Variable Investment", "product_id": "3610", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Discounted Ultimate Packaged Home Loan - Variable Investment", "product_id": "3615", "why": "\"Discounted Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Variable Interest Only Investment", "product_id": "3620", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Discounted Ultimate Packaged Home Loan - Variable Interest Only Investment", "product_id": "3625", "why": "\"Discounted Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 1 Year Investment", "product_id": "3630", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 1 Year Interest Only Investment", "product_id": "3635", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 2 Year Investment", "product_id": "3640", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 2 Year Interest Only Investment", "product_id": "3645", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 3 Year Investment", "product_id": "3650", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 3 Year Interest Only Investment", "product_id": "3655", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 4 Year Investment", "product_id": "3660", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 4 Year Interest Only Investment", "product_id": "3665", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 5 Year Investment", "product_id": "3670", "why": "\"Ultimate Packaged 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." }, { "lender": "Greater Bank", "product": "Ultimate Packaged Home Loan - Fixed 5 Year Interest Only Investment", "product_id": "3675", "why": "\"Ultimate Packaged 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." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "Fixed Rate Home Loan (Investor)", "product_id": "FIXEDINV01", "why": "\"Fixed Rate Home Loan (Investor)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "Fixed Rate Home Loan (Owner Occupier)", "product_id": "FIXEDOO01", "why": "\"Fixed Rate Home Loan (Owner Occupier)\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 0% to 60%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "Bridging Loan", "product_id": "BRIDG01", "why": "\"Bridging Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "The Basics Investment Loan", "product_id": "BASICSINV01", "why": "\"The Basics Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "Essentials Investment Loan Special Offer", "product_id": "ITTIINV01", "why": "\"Essentials Investment Loan Special Offer\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "Basics Investment Loan Special Offer", "product_id": "PIPINV01", "why": "\"Basics Investment Loan Special Offer\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Arab Bank Australia Ltd Prod", "product": "Essentials Investment Loan", "product_id": "ESSINV01", "why": "\"Essentials Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Dream Home Loan New Borrowing INV", "product_id": "NICUL33_NBI", "why": "\"Dream Home Loan New Borrowing INV\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Dream Home Loan Variable PI (Investment)", "product_id": "NICUL33V_PI_INV", "why": "\"Dream Home Loan Variable PI (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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Dream Home Loan Variable IO Investment", "product_id": "NICUL33V_IO_INV", "why": "\"Dream Home Loan Variable IO 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Dream Home Loan Variable IO Owner Occupied", "product_id": "NICUL33V_IO", "why": "\"Dream Home Loan Variable IO 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "NORTHERN INLAND CREDIT UNION LTD.", "product": "Value Home Loan - Investment", "product_id": "NICUL30V_INV", "why": "\"Value Home Loan - 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Westpac", "product": "Rocket Loan : Variable Home Loan with Offset (Investor)", "product_id": "HLVariableOffsetInvestment", "why": "\"Rocket Loan : Variable Home Loan with Offset (Investor)\" 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 \"Lenders Mortgage 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 \"Property Valuer 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." }, { "lender": "Westpac", "product": "Variable Rate Investment Property Loan", "product_id": "HLVariableInvestment", "why": "\"Variable Rate Investment Property Loan\" 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 \"Lenders Mortgage 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 \"Property Valuer 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." }, { "lender": "Westpac", "product": "Premium Options Home Loan", "product_id": "HLPremiumOptionHomeloan", "why": "\"Premium Options Home Loan\" 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 \"Lenders Mortgage 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 \"Property Valuer 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." }, { "lender": "Westpac", "product": "Sustainable Upgrades Investment Loan", "product_id": "HLSustainableUpgradesInvestment", "why": "\"Sustainable Upgrades Investment Loan\" publishes a maximum limit of $50,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Westpac", "product": "Sustainable Upgrades Home Loan", "product_id": "HLSustainableUpgradesOwnersOccupied", "why": "\"Sustainable Upgrades Home Loan\" publishes a maximum limit of $50,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Westpac", "product": "Bridging Home Loan", "product_id": "HLBridgingOption", "why": "\"Bridging Home Loan\" 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 \"Property Valuer 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." }, { "lender": "Westpac", "product": "Flexi First : Our lowest online variable home loan rate (Investor)", "product_id": "HLVariableFlexiInvestment", "why": "\"Flexi First : Our lowest online variable home loan rate (Investor)\" 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 \"Lenders Mortgage 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 \"Property Valuer 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." }, { "lender": "Westpac", "product": "Flexi First Option Home Loan - Veterans", "product_id": "HLDefenceService", "why": "\"Flexi First Option Home Loan - Veterans\" publishes a maximum limit of $25,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "NAB", "product": "NAB FlexiPlus Mortgage", "product_id": "50b0705b-be51-4548-99c4-0eb6e5a5bdb0", "why": "\"NAB FlexiPlus Mortgage\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CommBank", "product": "Digi Home Loan (Investment)", "product_id": "b071254b466a420ea2ae755d9fc02141", "why": "\"Digi Home Loan (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 \"Voucher 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." }, { "lender": "CommBank", "product": "5 year Fixed Rate Home Loan (Investment)", "product_id": "d044f57330eb4b9abafdde0129a5ac8b", "why": "\"5 year Fixed Rate Home Loan (Investment)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "4 year Fixed Rate Home Loan (Investment)", "product_id": "9a3b48b41c2042cca14ccd6343032e6c", "why": "\"4 year Fixed Rate Home Loan (Investment)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "1 Year Fixed Rate Home Loan (Owner Occupied)", "product_id": "cb2ddd5cbeb14704a9e20bcc2b78bb82", "why": "\"1 Year Fixed Rate Home Loan (Owner Occupied)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "2 Year Fixed Rate Home Loan (Owner Occupied)", "product_id": "de931b0938e044799563141810242f68", "why": "\"2 Year Fixed Rate Home Loan (Owner Occupied)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "1 year Fixed Rate Home Loan (Investment)", "product_id": "4d414eebcc794010b95a94e4e9e34806", "why": "\"1 year Fixed Rate Home Loan (Investment)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "3 year Fixed Rate Home Loan (Investment)", "product_id": "6d910f07f2d748f5943c43a3daa7db4e", "why": "\"3 year Fixed Rate Home Loan (Investment)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "2 year Fixed Rate Home Loan (Investment)", "product_id": "4991734f767e4e2999edd700216f9e16", "why": "\"2 year Fixed Rate Home Loan (Investment)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "4 Year Fixed Rate Home Loan (Owner Occupied)", "product_id": "fd78e9e7382848d4b5e4386febef30a7", "why": "\"4 Year Fixed Rate Home Loan (Owner Occupied)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "3 Year Fixed Rate Home Loan (Owner Occupied)", "product_id": "d7c55e295f504692a54360f0d2092c43", "why": "\"3 Year Fixed Rate Home Loan (Owner Occupied)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "Standard Variable Rate Home Loan (Owner Occupied)", "product_id": "f1d6fcc359804f3c9365d576c56356fc", "why": "\"Standard Variable Rate Home Loan (Owner Occupied)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "Simple Home Loan (Investment)", "product_id": "96b471de2e5e48328201abb352d0ed98", "why": "\"Simple Home Loan (Investment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Establishment Fee\" is published as a range from 300 to 800; the top of it is carried, because the bottom would understate what the consumer may be charged; no amount or rate could be read for the fee \"Periodical Payments or Transfers\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Voucher Fee\", so what it costs is unknown and is not being read as nothing; the fee \"Lenders' Mortgage Insurance/Low Deposit Premium\" 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 \"Lenders' Mortgage Insurance/Low Deposit Premium\", 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." }, { "lender": "CommBank", "product": "5 Year Fixed Rate Loan (Owner Occupied)", "product_id": "e6ddbd53020f478b90caaddff85baecd", "why": "\"5 Year Fixed Rate Loan (Owner Occupied)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "CommBank", "product": "Standard Variable Rate Home Loan (Investment)", "product_id": "6c781d6471644fe084847533ab31aca2", "why": "\"Standard Variable Rate Home Loan (Investment)\" is not open to the public: only a business may hold it (Non-trading Companies and/or Family/Unit/Hybrid Trusts.). 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." }, { "lender": "Regional Australia Bank", "product": "Regional Australia Bank Home Loan (Fixed Investor)", "product_id": "bc944d2a-80d9-4f81-bbd5-aed6f87caa8c", "why": "\"Regional Australia Bank Home Loan (Fixed Investor)\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "Equity Flex", "product_id": "AMP_EQUITY_FLEX_HL", "why": "\"Equity Flex\" 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 \"Valuation fee\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Verification of identity by Australia Post\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Payment dishonour fees\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Solicitor or mortgage processing servicer non-standard additional costs\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "AMP Superedge Loan", "product_id": "AMP_SMSF_HL", "why": "\"AMP Superedge Loan\" 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 \"Valuation fee\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Verification of identity by Australia Post\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Solicitors’ and Mortgage Processing Servicers’ costs\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "AMP First Home Loan", "product_id": "AMP_FIRST_HL", "why": "\"AMP First Home Loan\" is not open to the public: only the lender’s own staff may hold it (To be eligible for an AMP First Home Loan, at least one borrower must be in one of the Eligible groups when the home loan application is submitted. An AMP First Home Loan is only available when applying directly with AMP Bank (not for applications made through a loan originator, financial adviser, mortgage broker or other intermediary). Eligible clients listed in the AMP First home loan offer document.). 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." }, { "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "AMP Offset Deposit Account", "product_id": "AMP_OFFSET_ACCOUNT", "why": "\"AMP Offset Deposit 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; this product publishes no lending rates at all and 1 deposit rate, 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." }, { "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "AMP Cash Manager", "product_id": "AMP_CASH_MANAGER", "why": "\"AMP Cash Manager\" 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." }, { "lender": "Lending and bank accounts, both associated with BSB number 939 200", "product": "Practice Finance Loan", "product_id": "PRACTICE_FINANCE_LOAN", "why": "\"Practice Finance Loan\" 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 BUSINESS_LOANS. The holder is not applying the product-category filter, so anything imported from it has to be filtered again here; the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers; this product publishes no lending rates at all, so there is nothing to cost a loan at; 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 — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Application fee\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number; no amount or rate could be read for the fee \"Payment dishonour fees\", so what it costs is unknown and is not being read as nothing — the field carries the word \"null\" rather than a number. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)", "product_id": "BP-INVIO-LVR80_Special", "why": "\"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "BP-INVPI-LVR80_Special", "why": "\"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "BP-INVPI-3YRF-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "BP-INVPI-3YRF-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "BP-INVPI-2YRF-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "BP-INVPI-2YRF-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "BP-INVPI-1YRF-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was read from the list endpoint, which carries no rates, fees or features. It cannot be costed until the detail endpoint has been called for it, and it is not being costed as though it had none. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "BP-INVPI-1YRF-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was read from the list endpoint, which carries no rates, fees or features. It cannot be costed until the detail endpoint has been called for it, and it is not being costed as though it had none. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)", "product_id": "BP-INVIO-3YRF-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Interest Only)", "product_id": "BP-INVIO-3YRF-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)", "product_id": "BP-INVIO-2YRF-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 80% (Interest Only)", "product_id": "BP-INVIO-2YRF-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - 2 YEAR FIXED - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)", "product_id": "BP-INVIO-1YRF-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 80% (Interest Only)", "product_id": "BP-INVIO-1YRF-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - 1 YEAR FIXED - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Community Advantage 3 year fixed Investment (Principal and Interest)", "product_id": "CA-INVPI-3YRF", "why": "\"Community Advantage 3 year fixed Investment (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Community Advantage 2 year fixed Investment (Principal and Interest)", "product_id": "CA-INVPI-2YRF", "why": "\"Community Advantage 2 year fixed Investment (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was read from the list endpoint, which carries no rates, fees or features. It cannot be costed until the detail endpoint has been called for it, and it is not being costed as though it had none. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Community Advantage 1 year fixed Investment (Principal and Interest)", "product_id": "CA-INVPI-1YRF", "why": "\"Community Advantage 1 year fixed Investment (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "GB-INVPI-3YRF-LVR95", "why": "\"GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "GB-INVPI-3YRF-LVR80", "why": "\"GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "GB-INVPI-2YRF-LVR95", "why": "\"GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "GB-INVPI-2YRF-LVR80", "why": "\"GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "GB-INVPI-1YRF-LVR95", "why": "\"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "GB-INVPI-1YRF-LVR80", "why": "\"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Interest Only)", "product_id": "GB-INVIO-3YRF-LVR95", "why": "\"GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)", "product_id": "GB-INVIO-3YRF-LVR80", "why": "\"GO BASIC 3 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Interest Only)", "product_id": "GB-INVIO-2YRF-LVR95", "why": "\"GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)", "product_id": "GB-INVIO-2YRF-LVR80", "why": "\"GO BASIC 2 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Interest Only)", "product_id": "GB-INVIO-1YRF-LVR95", "why": "\"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)", "product_id": "GB-INVIO-1YRF-LVR80", "why": "\"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Interest Only)", "product_id": "BP-OOIO-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Interest Only)", "product_id": "BP-OOIO-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Interest Only)", "product_id": "BP-INVIO-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)", "product_id": "BP-INVIO-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Investment LVR 80% (Interest Only)", "product_id": "GB-INVIO-LVR80", "why": "\"Go Basic Variable Home Loan - Investment LVR 80% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Investment LVR 95% (Interest Only)", "product_id": "GB-INVIO-LVR95", "why": "\"Go Basic Variable Home Loan - Investment LVR 95% (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)", "product_id": "BP-INVPI-LVR80", "why": "\"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)", "product_id": "BP-INVPI-LVR95", "why": "\"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BRIDGING LOAN INVESTMENT (Interest Only)", "product_id": "L84-VAR-BRIDGE-INVIO", "why": "\"BRIDGING LOAN INVESTMENT (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "BRIDGING LOAN (Interest Only)", "product_id": "L84-VAR-BRIDGE-IO", "why": "\"BRIDGING LOAN (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Investment LVR 80% (Principal and Interest)", "product_id": "GB-INVPI-LVR80", "why": "\"Go Basic Variable Home Loan - Investment LVR 80% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Go Basic Variable Home Loan - Investment LVR 95% (Principal and Interest)", "product_id": "GB-INVPI-LVR95", "why": "\"Go Basic Variable Home Loan - Investment LVR 95% (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Community First Credit Union", "product": "Community Advantage Variable Investment (Principal and Interest)", "product_id": "CA-INVPI-VAR", "why": "\"Community Advantage Variable Investment (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Beyond Bank Australia", "product": "Total Home Loan Package", "product_id": "35", "why": "\"Total Home Loan Package\" is not open to the public: only a pension recipient may hold it (Lending criteria, requirements and terms and conditions apply). 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." }, { "lender": "Beyond Bank Australia", "product": "Standard Home Loans", "product_id": "38", "why": "\"Standard Home Loans\" is not open to the public: only a pension recipient may hold it (Lending criteria, requirements and terms and conditions apply). 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." }, { "lender": "Beyond Bank Australia", "product": "Invest Total Home Loan Package", "product_id": "57", "why": "\"Invest Total Home Loan Package\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Hold Fixed Interest Rate\" is published as a range from 75 to 3000; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Beyond Bank Australia", "product": "Standard Investment Home Loans", "product_id": "58", "why": "\"Standard Investment Home Loans\" is not open to the public: only a pension recipient may hold it (Lending criteria, requirements and terms and conditions apply). 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." }, { "lender": "Beyond Bank Australia", "product": "Purple Basic Vbl Home Loan", "product_id": "37", "why": "\"Purple Basic Vbl Home Loan\" is not open to the public: only a pension recipient may hold it (Lending criteria, requirements and terms and conditions apply). 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." }, { "lender": "Beyond Bank Australia", "product": "Purple Basic Vbl Home Loan-Inv", "product_id": "46", "why": "\"Purple Basic Vbl Home Loan-Inv\" is not open to the public: only a pension recipient may hold it (Lending criteria, requirements and terms and conditions apply). 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." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE >90 LVR PI", "product_id": "L22_CLASSIC_PI_90", "why": "\"CLASSIC INVESTMENT HL VARIABLE >90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI", "product_id": "L22_CLASSIC_PI_80_90", "why": "\"CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI", "product_id": "L22_CLASSIC_PI_60_80", "why": "\"CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE <60 LVR PI", "product_id": "L22_CLASSIC_PI_60", "why": "\"CLASSIC INVESTMENT HL VARIABLE <60 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO", "product_id": "L22_CLASSIC_BRIDGE_IO_60", "why": "\"CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO", "product_id": "L22_CLASSIC_BRIDGE_IO_60_80", "why": "\"CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO", "product_id": "L22_CLASSIC_BRIDGE_IO_80_90", "why": "\"CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO", "product_id": "L22_CLASSIC_BRIDGE_IO_90", "why": "\"CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN BRIDGING VARIABLE <60 LVR IO", "product_id": "L21_CLASSIC_BRIDGE_IO_60", "why": "\"CLASSIC HOME LOAN BRIDGING VARIABLE <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN BRIDGING VARIABLE 60-80 LVR IO", "product_id": "L21_CLASSIC_BRIDGE_IO_60_80", "why": "\"CLASSIC HOME LOAN BRIDGING VARIABLE 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN BRIDGING VARIABLE 80-90 LVR IO", "product_id": "L21_CLASSIC_BRIDGE_IO_80_90", "why": "\"CLASSIC HOME LOAN BRIDGING VARIABLE 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN BRIDGING VARIABLE >90 LVR IO", "product_id": "L21_CLASSIC_BRIDGE_IO_90", "why": "\"CLASSIC HOME LOAN BRIDGING VARIABLE >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO", "product_id": "L22_CLASSIC_IO_80_90", "why": "\"CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO", "product_id": "L22_CLASSIC_IO_60_80", "why": "\"CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE <60 LVR IO", "product_id": "L22_CLASSIC_IO_60", "why": "\"CLASSIC INVESTMENT HL VARIABLE <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE >80-90 LVR IO", "product_id": "L21_CLASSIC_IO_80_90", "why": "\"CLASSIC HOME LOAN VARIABLE >80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE 60-80 LVR IO", "product_id": "L21_CLASSIC_IO_60_80", "why": "\"CLASSIC HOME LOAN VARIABLE 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE <60 LVR IO", "product_id": "L21_CLASSIC_IO_60", "why": "\"CLASSIC HOME LOAN VARIABLE <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC INVESTMENT HL VARIABLE >90 LVR IO", "product_id": "L22_CLASSIC_IO_90", "why": "\"CLASSIC INVESTMENT HL VARIABLE >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "CLASSIC HOME LOAN VARIABLE >90 LVR IO", "product_id": "L21_CLASSIC_IO_90", "why": "\"CLASSIC HOME LOAN VARIABLE >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR >90 LVR IO", "product_id": "L26_PLUS_IO_F1_90", "why": "\"INVESTMENT PLUS HL FIXED 1YR >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR >90 LVR IO", "product_id": "L26_PLUS_IO_F2_90", "why": "\"INVESTMENT PLUS HL FIXED 2YR >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR >90 LVR IO", "product_id": "L26_PLUS_IO_F3_90", "why": "\"INVESTMENT PLUS HL FIXED 3YR >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE >90 LVR IO", "product_id": "L26_PLUS_IO_VAR_90", "why": "\"INVESTMENT PLUS HL VARIABLE >90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO", "product_id": "L26_PLUS_IO_F1_80_90", "why": "\"INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO", "product_id": "L26_PLUS_IO_F2_80_90", "why": "\"INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO", "product_id": "L26_PLUS_IO_F3_80_90", "why": "\"INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE 80-90 LVR IO", "product_id": "L26_PLUS_IO_VAR_80_90", "why": "\"INVESTMENT PLUS HL VARIABLE 80-90 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO", "product_id": "L26_PLUS_IO_F1_60_80", "why": "\"INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO", "product_id": "L26_PLUS_IO_F2_60_80", "why": "\"INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO", "product_id": "L26_PLUS_IO_F3_60_80", "why": "\"INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE 60-80 LVR IO", "product_id": "L26_PLUS_IO_VAR_60_80", "why": "\"INVESTMENT PLUS HL VARIABLE 60-80 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR <60 LVR IO", "product_id": "L26_PLUS_IO_F1_60", "why": "\"INVESTMENT PLUS HL FIXED 1YR <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR <60 LVR IO", "product_id": "L26_PLUS_IO_F2_60", "why": "\"INVESTMENT PLUS HL FIXED 2YR <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR <60 LVR IO", "product_id": "L26_PLUS_IO_F3_60", "why": "\"INVESTMENT PLUS HL FIXED 3YR <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE <60 LVR IO", "product_id": "L26_PLUS_IO_VAR_60", "why": "\"INVESTMENT PLUS HL VARIABLE <60 LVR IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR <60 LVR PI", "product_id": "L26_PLUS_PI_F1_60", "why": "\"INVESTMENT PLUS HL FIXED 1YR <60 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI", "product_id": "L26_PLUS_PI_F1_60_80", "why": "\"INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI", "product_id": "L26_PLUS_PI_F1_80_90", "why": "\"INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 1YR >90 LVR PI", "product_id": "L26_PLUS_PI_F1_90", "why": "\"INVESTMENT PLUS HL FIXED 1YR >90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR <60 LVR PI", "product_id": "L26_PLUS_PI_F2_60", "why": "\"INVESTMENT PLUS HL FIXED 2YR <60 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI", "product_id": "L26_PLUS_PI_F2_60_80", "why": "\"INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI", "product_id": "L26_PLUS_PI_F2_80_90", "why": "\"INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 2YR >90 LVR PI", "product_id": "L26_PLUS_PI_F2_90", "why": "\"INVESTMENT PLUS HL FIXED 2YR >90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR <60 LVR PI", "product_id": "L26_PLUS_PI_F3_60", "why": "\"INVESTMENT PLUS HL FIXED 3YR <60 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI", "product_id": "L26_PLUS_PI_F3_60_80", "why": "\"INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI", "product_id": "L26_PLUS_PI_F3_80_90", "why": "\"INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL FIXED 3YR >90 LVR PI", "product_id": "L26_PLUS_PI_F3_90", "why": "\"INVESTMENT PLUS HL FIXED 3YR >90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE <60 LVR PI", "product_id": "L26_PLUS_PI_VAR_60", "why": "\"INVESTMENT PLUS HL VARIABLE <60 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE 60-80 LVR PI", "product_id": "L26_PLUS_PI_VAR_60_80", "why": "\"INVESTMENT PLUS HL VARIABLE 60-80 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE 80-90 LVR PI", "product_id": "L26_PLUS_PI_VAR_80_90", "why": "\"INVESTMENT PLUS HL VARIABLE 80-90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Cairns Bank", "product": "INVESTMENT PLUS HL VARIABLE >90 LVR PI", "product_id": "L26_PLUS_PI_VAR_90", "why": "\"INVESTMENT PLUS HL VARIABLE >90 LVR PI\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Plus Interest Only Home Loan Investor", "product_id": "2dd1ea6e-7a5a-44ce-adfd-035913ed4af3", "why": "\"Your Way Plus Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Plus Home Loan Investor", "product_id": "402fc36e-9031-4996-8171-cf82f62f279e", "why": "\"Your Way Plus Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Plus Fixed Interest Only Home Loan Investor", "product_id": "5d735d61-c2f7-4deb-883a-5d703e4a7c3b", "why": "\"Your Way Plus Fixed Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Plus Fixed Home Loan Investor", "product_id": "926fe690-1d02-45b4-a129-744deab92646", "why": "\"Your Way Plus Fixed Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Plus Interest Only Home Loan", "product_id": "1e0c3501-3eec-49ae-af71-fec696c14fa8", "why": "\"Your Way Plus Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Plus Fixed Interest Only Home Loan", "product_id": "b52776a8-0497-43cc-b9d2-125a9e9d82b7", "why": "\"Your Way Plus Fixed Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Home Loan Investor", "product_id": "8810eb55-d713-48ff-8d02-671f1d6896e5", "why": "\"Your Way Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Interest Only Home Loan Investor", "product_id": "1132b5bf-e7c2-4b02-afc2-493236e3a5c7", "why": "\"Your Way Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Fixed Rate Home Loan Investor", "product_id": "11efed6e-db83-4e75-9f2e-9a17f4fbe82a", "why": "\"Your Way Fixed Rate Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Fixed Rate Interest Only Home Loan Investor", "product_id": "7bd88192-7ea0-4880-baf8-7e55f234d724", "why": "\"Your Way Fixed Rate Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Fixed Rate Interest Only Home Loan", "product_id": "7e9b0440-cd0c-4a0f-ad92-aa9089e342d9", "why": "\"Your Way Fixed Rate Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Teachers Mutual Bank", "product": "Your Way Interest Only Home Loan", "product_id": "db9c5001-e968-447a-85ec-6fdfdd1cbf0d", "why": "\"Your Way Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "SCCU", "product": "REVERSE MORTGAGE LOAN", "product_id": "REVERSE_MORTGAGE_LOAN", "why": "\"REVERSE MORTGAGE LOAN\" publishes a maximum limit of $250,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "SCCU", "product": "BRIDGING HOME LOAN", "product_id": "BRIDGING_HOME_LOAN", "why": "\"BRIDGING HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "SCCU", "product": "LINE OF CREDIT", "product_id": "LINE_OF_CREDIT", "why": "\"LINE OF CREDIT\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of Sydney", "product": "Expect More Home Loan Owner Occupied", "product_id": "emhl_oo", "why": "\"Expect More Home Loan Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank of Sydney", "product": "BOS Basic Home Loan Owner Occupied", "product_id": "bosbasic_oo", "why": "\"BOS Basic Home Loan Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank of Sydney", "product": "BOS Basic Investment Home Loan", "product_id": "bosbasic_inv", "why": "\"BOS Basic Investment Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of Sydney", "product": "Expect More Home Loan Investment - Fixed", "product_id": "emhl_inv_fixed", "why": "\"Expect More Home Loan Investment - Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of Sydney", "product": "Home Equity Maximiser Owner Occupied", "product_id": "home_equity_maximiser_owner_occ", "why": "\"Home Equity Maximiser Owner Occupied\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Bank of Sydney", "product": "Home Equity Maximiser Investment", "product_id": "home_equity_maximiser_invest", "why": "\"Home Equity Maximiser Investment\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Bank of Sydney", "product": "Expect More Home Loan Investment", "product_id": "emhl_inv", "why": "\"Expect More Home Loan Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "AMB Bank Product", "product": "2 Year Fixed Rate Investment Home Loan", "product_id": "bc4510c4-5ef9-4105-9929-fbd7d08a8f90", "why": "\"2 Year Fixed Rate Investment Home Loan\" 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 \"Fixed Rate Prepayment Cost\", 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 fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Archive retrieval 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." }, { "lender": "AMB Bank Product", "product": "DHOAS Construction Loan", "product_id": "94727614-bf08-4683-af95-2200ae380c0b", "why": "\"DHOAS Construction Loan\" 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 \"Archive retrieval 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." }, { "lender": "AMB Bank Product", "product": "Investment Value Home Loan", "product_id": "83c693c2-26b1-4714-8328-b7d9bc7fc911", "why": "\"Investment Value Home Loan\" 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 \"Archive retrieval 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 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." }, { "lender": "AMB Bank Product", "product": "3 Year Fixed Rate Investment Home Loan", "product_id": "9980b8f2-94d1-4ca3-9c5a-89404ee4a290", "why": "\"3 Year Fixed Rate Investment Home Loan\" 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 \"Property valuation fee\", so what it costs is unknown and is not being read as nothing; the fee \"Archive retrieval fee\" is published as a range up to 50; the top of it is carried, because the bottom would understate what the consumer may be charged; no amount or rate could be read for the fee \"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 \"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 \"Fixed Rate Prepayment Cost\", 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." }, { "lender": "AMB Bank Product", "product": "Investment RateSaver Home Loan", "product_id": "0736a02f-564d-4ff5-8084-4e27885bf9f8", "why": "\"Investment RateSaver Home Loan\" 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 \"Archive retrieval 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 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." }, { "lender": "AMB Bank Product", "product": "Investment Construction Home Loan", "product_id": "550ac296-d8a4-4b69-9c1c-be2df0e5c9e1", "why": "\"Investment Construction Home Loan\" 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 \"Property valuation fee - construction\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Archive retrieval 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." }, { "lender": "AMB Bank Product", "product": "Construction Loan", "product_id": "da9f3260-8d3c-40db-b1d3-aad2f574cae7", "why": "\"Construction Loan\" 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 \"Archive retrieval 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Construction Variable LVR<80%", "product_id": "4e3318ce-58ce-4391-b8ee-3874ad79af4c", "why": "\"Complete Home Loan Owner Occupied Construction Variable LVR<80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Construction Variable LVR<80%", "product_id": "c03b3d50-530a-4ca7-829f-27248b035f49", "why": "\"Premier Package Home Loan Owner Occupied Construction Variable LVR<80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable IO LVR 60-70%", "product_id": "3245d424-5172-411e-9754-005a8f2affee", "why": "\"Premier Package Home Loan Investment Variable IO LVR 60-70%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable LVR 60-70%", "product_id": "142a942b-07c7-4846-8389-1a01182b611d", "why": "\"Premier Package Home Loan Investment Variable LVR 60-70%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Variable LVR 60-70%", "product_id": "ded305af-bdba-4957-b852-52122099038f", "why": "\"Premier Package Home Loan Owner Occupied Variable LVR 60-70%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 60.01% to 70%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Variable LVR <60%", "product_id": "798b983c-595b-4337-9cb5-30523bbd4958", "why": "\"Premier Package Home Loan Owner Occupied Variable LVR <60%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 0% to 60%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Variable LVR >90%", "product_id": "3f404c71-b2ee-4a96-805f-cd99ff77c546", "why": "\"Premier Package Home Loan Owner Occupied Variable LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Variable LVR >80% <90%", "product_id": "e40c913e-fa16-402c-a8b4-6e2730c4c399", "why": "\"Premier Package Home Loan Owner Occupied Variable LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 5 year fixed LVR >80% <90%", "product_id": "cce7f8b4-8731-4dc7-8721-28b39e3f666a", "why": "\"Premier Package Home Loan Owner Occupied 5 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 4 year fixed LVR >80% <90%", "product_id": "637eae04-394a-47df-8320-5ed4293796df", "why": "\"Premier Package Home Loan Owner Occupied 4 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 3 year fixed LVR >80% <90%", "product_id": "94e3ab75-ef49-45b0-b2ef-1cca0716ed4b", "why": "\"Premier Package Home Loan Owner Occupied 3 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 2 year fixed LVR >80% <90%", "product_id": "5cb3ed3c-ed40-4f67-affd-9eb39ef5e464", "why": "\"Premier Package Home Loan Owner Occupied 2 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 1 year fixed LVR 80-90%", "product_id": "c271abaa-2dae-4cda-a196-5bf8bc0a902d", "why": "\"Premier Package Home Loan Owner Occupied 1 year fixed LVR 80-90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 5 year fixed LVR >90%", "product_id": "baa953e7-8873-42b2-aef6-7676f4d898f6", "why": "\"Premier Package Home Loan Owner Occupied 5 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 4 year fixed LVR >90%", "product_id": "583b22e0-e954-42d7-8d30-755c6a3d8eee", "why": "\"Premier Package Home Loan Owner Occupied 4 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 3 year fixed LVR >90%", "product_id": "18460d39-460b-46e0-b275-b41642bb1fdb", "why": "\"Premier Package Home Loan Owner Occupied 3 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 2 year fixed LVR >90%", "product_id": "9cb12ce2-c910-47e7-aee1-792b3893ae83", "why": "\"Premier Package Home Loan Owner Occupied 2 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied 1 year fixed LVR >90%", "product_id": "664401af-7e6d-44d8-b315-1ee1fb016cb9", "why": "\"Premier Package Home Loan Owner Occupied 1 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable LVR 70-80%", "product_id": "f8b58c7f-fa40-4cda-860b-60c585680b7e", "why": "\"Premier Package Home Loan Investment Variable LVR 70-80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable LVR <60%", "product_id": "994e75d1-c353-4f5e-9421-b28a3b47487c", "why": "\"Premier Package Home Loan Investment Variable LVR <60%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable LVR >90%", "product_id": "67e42e22-5d0a-4093-bb8d-dfb82d2e33d4", "why": "\"Premier Package Home Loan Investment Variable LVR >90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable LVR >80% <90%", "product_id": "083cde74-d115-442a-bddd-9213f6d2552b", "why": "\"Premier Package Home Loan Investment Variable LVR >80% <90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable IO LVR 70% - 80%", "product_id": "7ebf4acd-6c7b-4cb0-bf8d-de8059b79ee3", "why": "\"Premier Package Home Loan Investment Variable IO LVR 70% - 80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable IO LVR<60%", "product_id": "60b90251-a0a0-4c6a-a3e2-6802f5318e85", "why": "\"Premier Package Home Loan Investment Variable IO LVR<60%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable IO LVR>90%", "product_id": "04a2f461-26d3-4d9f-ac87-26cdea5c34d3", "why": "\"Premier Package Home Loan Investment Variable IO LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Variable IO LVR 80-90%", "product_id": "7c17882a-921f-4e6a-9372-debc7f926f88", "why": "\"Premier Package Home Loan Investment Variable IO LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 5 year fixed IO LVR<80%", "product_id": "97494748-227f-4251-af4f-77637ed80321", "why": "\"Premier Package Home Loan Investment 5 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 5 year fixed IO LVR>80%", "product_id": "8ea3608c-8d5f-45f8-afea-ba7b3ec695ea", "why": "\"Premier Package Home Loan Investment 5 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 4 year fixed IO LVR<80%", "product_id": "95c89413-96cb-4fa8-b7f4-20c6cbdab3c7", "why": "\"Premier Package Home Loan Investment 4 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 4 year fixed IO LVR>80%", "product_id": "126f071a-0594-4b95-ae39-fac6dad40dec", "why": "\"Premier Package Home Loan Investment 4 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 3 year fixed IO LVR<80%", "product_id": "72780f8d-212f-452d-ac2f-19c9d4a4639b", "why": "\"Premier Package Home Loan Investment 3 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 3 year fixed IO LVR>80%", "product_id": "fc2fb0c3-1847-417a-b32e-a996f022f88c", "why": "\"Premier Package Home Loan Investment 3 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 2 year fixed IO LVR<80%", "product_id": "b0276334-a891-4c78-86af-6c74f156051e", "why": "\"Premier Package Home Loan Investment 2 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 2 year fixed IO LVR>80%", "product_id": "dc248407-a8a0-4549-80b8-a25fda977b59", "why": "\"Premier Package Home Loan Investment 2 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 1 year fixed IO LVR<80%", "product_id": "3a279771-73e6-4b41-8522-00b859e3d639", "why": "\"Premier Package Home Loan Investment 1 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 1 year fixed IO LVR>80%", "product_id": "b7315cbd-80f1-4e1f-a33f-8f131e6c74c5", "why": "\"Premier Package Home Loan Investment 1 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 5 year fixed LVR <80%", "product_id": "988acb87-05d5-4c8e-9461-38840b0745b4", "why": "\"Premier Package Home Loan Investment 5 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 5 year fixed LVR >80% <90%", "product_id": "7e8e201e-3ef0-4762-b3ba-d57614ecffe7", "why": "\"Premier Package Home Loan Investment 5 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 4 year fixed LVR <80%", "product_id": "f493a319-270f-4b17-95fe-869d6dd3aa38", "why": "\"Premier Package Home Loan Investment 4 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 4 year fixed LVR >80% <90%", "product_id": "1013f76a-aa41-40b5-ad41-b44fe43a4aa2", "why": "\"Premier Package Home Loan Investment 4 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 3 year fixed LVR <80%", "product_id": "35c3bee9-6ae7-4220-a2b4-b2e6a06b4b2f", "why": "\"Premier Package Home Loan Investment 3 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 3 year fixed LVR >80% <90%", "product_id": "b0ab5316-892a-4112-b814-8310087b4a3c", "why": "\"Premier Package Home Loan Investment 3 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 2 year fixed LVR <80%", "product_id": "f8b1e139-8385-47e9-8751-e4bebfca1b3b", "why": "\"Premier Package Home Loan Investment 2 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 2 year fixed LVR >80% <90%", "product_id": "f8f84ce7-f52c-424f-83b2-ab3f543a2a9d", "why": "\"Premier Package Home Loan Investment 2 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 1 year fixed LVR <80%", "product_id": "945c4fdc-4c7d-4e7a-808b-fdb01d7ab429", "why": "\"Premier Package Home Loan Investment 1 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 1 year fixed LVR >80% <90%", "product_id": "533d339c-9742-4438-bc97-28b2c3b6f1fe", "why": "\"Premier Package Home Loan Investment 1 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 5 year fixed LVR >90%", "product_id": "bd314762-44d8-42a8-8fc0-29aae784f6fb", "why": "\"Premier Package Home Loan Investment 5 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 4 year fixed LVR >90%", "product_id": "c495602d-f002-4d6e-83e7-5b410973b685", "why": "\"Premier Package Home Loan Investment 4 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 3 year fixed LVR >90%", "product_id": "b66915d4-1017-4b43-a475-3b116c7df207", "why": "\"Premier Package Home Loan Investment 3 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 2 year fixed LVR >90%", "product_id": "3dff3be6-e778-4ecb-b81e-c40807fcfbd1", "why": "\"Premier Package Home Loan Investment 2 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment 1 year fixed LVR >90%", "product_id": "738d28d1-1a1a-49cf-8fbf-a7225dd03399", "why": "\"Premier Package Home Loan Investment 1 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Construction Variable LVR>90%", "product_id": "2fbc754c-2201-4879-88a0-f86bb65d3783", "why": "\"Premier Package Home Loan Owner Occupied Construction Variable LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Owner Occupied Construction Variable LVR 80-90%", "product_id": "4e3cf7cd-699e-4676-a9c2-76faa12b9d27", "why": "\"Premier Package Home Loan Owner Occupied Construction Variable LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Construction Variable LVR<80%", "product_id": "dd5ad1c3-f5ec-4426-8cd1-888d06cf9d6a", "why": "\"Premier Package Home Loan Investment Construction Variable LVR<80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Construction Variable LVR>90%", "product_id": "a71f6ce5-9a7f-47ed-a375-12d0674f5883", "why": "\"Premier Package Home Loan Investment Construction Variable LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Premier Package Home Loan Investment Construction Variable LVR 80-90%", "product_id": "4fc7da86-9b32-41ed-9e9a-e1ebb16e173b", "why": "\"Premier Package Home Loan Investment Construction Variable LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable IO LVR 60-70%", "product_id": "a32c852d-c1ef-42c9-9f5b-5101ced238db", "why": "\"Complete Home Loan Investment Variable IO LVR 60-70%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable LVR 60-70%", "product_id": "a73582ec-61e7-41fa-900a-23d67ee4ef80", "why": "\"Complete Home Loan Investment Variable LVR 60-70%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Variable LVR 60-70%", "product_id": "bb3d7f6c-0fac-44f4-b44c-8c10e77b96e4", "why": "\"Complete Home Loan Owner Occupied Variable LVR 60-70%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 60.01% to 70%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Variable LVR <60%", "product_id": "57e25a5e-ee1b-40e1-afaf-b400dccbfc79", "why": "\"Complete Home Loan Owner Occupied Variable LVR <60%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 0% to 60%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable LVR 70-80%", "product_id": "675d4ad9-b586-4c7e-ad83-b0ad3a7bb115", "why": "\"Complete Home Loan Investment Variable LVR 70-80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable LVR <60%", "product_id": "8bf54f78-b14c-41af-93f5-5210b3c3e239", "why": "\"Complete Home Loan Investment Variable LVR <60%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable LVR >80% <90%", "product_id": "ce381973-d575-40bb-aac2-7b705d878c80", "why": "\"Complete Home Loan Investment Variable LVR >80% <90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 5 year fixed LVR >90%", "product_id": "30e85c3f-ec71-4444-a973-58900dc0bf1a", "why": "\"Complete Home Loan Owner Occupied 5 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 4 year fixed LVR >90%", "product_id": "4228511b-aed3-4ddb-b2ef-fa9f7578fc0f", "why": "\"Complete Home Loan Owner Occupied 4 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 3 year fixed LVR >90%", "product_id": "cbfee6b9-7b2f-4d34-b89a-d2dd17f42e2c", "why": "\"Complete Home Loan Owner Occupied 3 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 2 year fixed LVR >90%", "product_id": "bf71f7c5-f5d5-4084-baf5-4e5d0c842cb0", "why": "\"Complete Home Loan Owner Occupied 2 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 1 year fixed LVR >90%", "product_id": "a80ab7f4-35ab-4191-94be-ba02df791c58", "why": "\"Complete Home Loan Owner Occupied 1 year fixed LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 5 year fixed LVR >90%", "product_id": "88a7843a-ecbb-41e7-a063-60b6d04a659e", "why": "\"Complete Home Loan Investment 5 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 4 year fixed LVR >90%", "product_id": "ad117d43-210e-4250-b996-d39e740d898a", "why": "\"Complete Home Loan Investment 4 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 3 year fixed LVR >90%", "product_id": "de632176-fa59-42f2-ae47-75a7896feebe", "why": "\"Complete Home Loan Investment 3 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 2 year fixed LVR >90%", "product_id": "b10aa98a-6cfc-45fb-bb18-89c80fa55569", "why": "\"Complete Home Loan Investment 2 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 1 year fixed LVR >90%", "product_id": "ac52d857-2693-4169-b7fc-7c6bf3360301", "why": "\"Complete Home Loan Investment 1 year fixed LVR >90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Variable LVR >90%", "product_id": "b126e774-454b-44f6-94fe-8f102745584c", "why": "\"Complete Home Loan Owner Occupied Variable LVR >90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Variable LVR >80% <90%", "product_id": "45d4d11f-5db6-450f-83e6-63bbd5bbd31c", "why": "\"Complete Home Loan Owner Occupied Variable LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 5 year fixed LVR >80% <90%", "product_id": "e78addbf-25a1-4484-9f88-04491181989d", "why": "\"Complete Home Loan Owner Occupied 5 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 4 year fixed LVR >80% <90%", "product_id": "923e8f7a-5863-4e50-9357-b967a9448810", "why": "\"Complete Home Loan Owner Occupied 4 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 3 year fixed LVR >80% <90%", "product_id": "381c4aff-a211-4675-887d-5e4b1bb1d47e", "why": "\"Complete Home Loan Owner Occupied 3 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 2 year fixed LVR >80% <90%", "product_id": "f70e32b0-7934-4323-be4f-2ac38c2621eb", "why": "\"Complete Home Loan Owner Occupied 2 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied 1 year fixed LVR >80% <90%", "product_id": "fe9550fa-80ae-4276-859e-a8dbf24aa7b9", "why": "\"Complete Home Loan Owner Occupied 1 year fixed LVR >80% <90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Construction Variable LVR>90%", "product_id": "48079deb-2f1a-4839-855f-47986c19bfa6", "why": "\"Complete Home Loan Owner Occupied Construction Variable LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Owner Occupied Construction Variable LVR 80-90%", "product_id": "33f59de5-214d-4678-8521-ca469ba03654", "why": "\"Complete Home Loan Owner Occupied Construction Variable LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable LVR >90%", "product_id": "86fed9d6-15bc-4bd3-9e1d-3e8cc101e705", "why": "\"Complete Home Loan Investment Variable LVR >90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable IO LVR 70% - 80%", "product_id": "b3aa2320-160d-4f7c-a7a5-0ac668f09622", "why": "\"Complete Home Loan Investment Variable IO LVR 70% - 80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable IO LVR<60%", "product_id": "547468b1-b75f-480d-9dc1-cdc8c227651a", "why": "\"Complete Home Loan Investment Variable IO LVR<60%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable IO LVR>90%", "product_id": "99e74617-c4cc-48d1-8c8f-38e3eed98f62", "why": "\"Complete Home Loan Investment Variable IO LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Variable IO LVR 80-90%", "product_id": "c4a798a3-b283-4d26-9005-e188a0837ca5", "why": "\"Complete Home Loan Investment Variable IO LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 5 year fixed IO LVR<80%", "product_id": "00127e02-1089-4008-b193-050130f07fce", "why": "\"Complete Home Loan Investment 5 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 5 year fixed IO LVR>80%", "product_id": "3741d8f7-c011-4e5d-a1ec-bd90ef9de5b0", "why": "\"Complete Home Loan Investment 5 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 4 year fixed IO LVR<80%", "product_id": "2a861597-5243-4591-bbbb-0fcc0a526748", "why": "\"Complete Home Loan Investment 4 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 4 year fixed IO LVR>80%", "product_id": "5e5065be-87bf-4315-8256-b402b8473fb8", "why": "\"Complete Home Loan Investment 4 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 3 year fixed IO LVR<80%", "product_id": "de87b08d-1146-4d7a-8e07-f0d2b0c5cbf6", "why": "\"Complete Home Loan Investment 3 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 3 year fixed IO LVR>80%", "product_id": "3acade8f-fab2-4eda-95b6-173e52aef066", "why": "\"Complete Home Loan Investment 3 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 2 year fixed IO LVR<80%", "product_id": "5be5b0a3-6c86-43a0-9eb4-dc5631b4973f", "why": "\"Complete Home Loan Investment 2 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 2 year fixed IO LVR>80%", "product_id": "e3e36af4-f2b3-4748-9125-38eae5381fa1", "why": "\"Complete Home Loan Investment 2 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 1 year fixed IO LVR<80%", "product_id": "8cd0a892-667d-4ec9-b3ca-ce0bd9c82c31", "why": "\"Complete Home Loan Investment 1 year fixed IO LVR<80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 1 year fixed IO LVR>80%", "product_id": "8bc81d70-952d-48f2-93a5-f8ee30bf1170", "why": "\"Complete Home Loan Investment 1 year fixed IO LVR>80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 5 year fixed LVR <80%", "product_id": "97921fa4-036e-4392-9244-bd68ea96cca6", "why": "\"Complete Home Loan Investment 5 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 5 year fixed LVR >80% <90%", "product_id": "a1768609-7a12-4151-aba7-eac6b26d4d86", "why": "\"Complete Home Loan Investment 5 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 4 year fixed LVR <80%", "product_id": "448f298e-6fac-4fc7-a388-699639995e64", "why": "\"Complete Home Loan Investment 4 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 4 year fixed LVR >80% <90%", "product_id": "b73f7026-ce9d-4b52-8006-389beaae7218", "why": "\"Complete Home Loan Investment 4 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 3 year fixed LVR <80%", "product_id": "670dc1b0-80d3-4761-a025-670ee7299612", "why": "\"Complete Home Loan Investment 3 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 3 year fixed LVR >80% <90%", "product_id": "0bb13753-03b8-4141-a42e-979c40acfa9c", "why": "\"Complete Home Loan Investment 3 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 2 year fixed LVR <80%", "product_id": "a59c702b-3e56-4e59-98af-f198a5b2e731", "why": "\"Complete Home Loan Investment 2 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 2 year fixed LVR >80% <90%", "product_id": "aca7a099-9135-4eda-b76b-2892f175d6b0", "why": "\"Complete Home Loan Investment 2 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 1 year fixed LVR <80%", "product_id": "1c6c10f8-4e94-4e98-8d59-2ad42bc479b7", "why": "\"Complete Home Loan Investment 1 year fixed LVR <80%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment 1 year fixed LVR >80% <90%", "product_id": "0d6bc9ac-bab1-4348-8421-04a158cf0b3a", "why": "\"Complete Home Loan Investment 1 year fixed LVR >80% <90%\" 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 \"Break Cost 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." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Construction Variable LVR>90%", "product_id": "b9ba9813-0f39-4eeb-a434-ef7c38208914", "why": "\"Complete Home Loan Investment Construction Variable LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Construction Variable LVR 80-90%", "product_id": "b447e811-876f-4ee8-aea5-146ebfb9f0e6", "why": "\"Complete Home Loan Investment Construction Variable LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Complete Home Loan Investment Construction Variable LVR<80%", "product_id": "6dbd7d6d-9077-4e1d-ab2d-78cd87d65964", "why": "\"Complete Home Loan Investment Construction Variable LVR<80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable IO LVR 60-70%", "product_id": "83776e87-caa8-4115-9cca-9885da1e8fa0", "why": "\"Basic Investment Loan Variable IO LVR 60-70%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable LVR 60-70%", "product_id": "4f62f1fc-1c3e-4223-a06d-5ddc352e8b88", "why": "\"Basic Investment Loan Variable LVR 60-70%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Home Loan Variable LVR 60-70%", "product_id": "88593154-bc45-4653-a4b2-1cb2218e0ffc", "why": "\"Basic Home Loan Variable LVR 60-70%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 60.01% to 70%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable IO LVR>90%", "product_id": "59970c19-3cdd-4e82-93ac-6361791afc5d", "why": "\"Basic Investment Loan Variable IO LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable LVR>90%", "product_id": "4b64e57d-f8e3-464d-910f-940b2428b557", "why": "\"Basic Investment Loan Variable LVR>90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable IO LVR 80-90%", "product_id": "bae8716d-a930-422e-ae1a-0e49f2bb5eca", "why": "\"Basic Investment Loan Variable IO LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable LVR 80-90%", "product_id": "21b42740-b1f8-4501-9154-ae71a53df7aa", "why": "\"Basic Investment Loan Variable LVR 80-90%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable IO LVR 70-80%", "product_id": "1b793dba-3f1f-4831-b2d2-aeaba65fe149", "why": "\"Basic Investment Loan Variable IO LVR 70-80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable LVR 70-80%", "product_id": "009efd35-976b-4192-8e7e-bddd7fd427d3", "why": "\"Basic Investment Loan Variable LVR 70-80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable IO LVR<60%", "product_id": "3a41c78b-f5c0-4225-a54f-cf5d627f7431", "why": "\"Basic Investment Loan Variable IO LVR<60%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Investment Loan Variable LVR<60%", "product_id": "c4895954-a6e9-443e-8142-e9642d30a33b", "why": "\"Basic Investment Loan Variable LVR<60%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank First Production", "product": "Basic Home Loan Variable LVR>90%", "product_id": "59d36cf3-d96f-4ef7-b1d6-79f92deac500", "why": "\"Basic Home Loan Variable LVR>90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 90.01% to 98%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Basic Home Loan Variable LVR 80-90%", "product_id": "791ecefa-7d05-42cb-9f1b-7c338b66de05", "why": "\"Basic Home Loan Variable LVR 80-90%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank First Production", "product": "Basic Home Loan Variable LVR<60%", "product_id": "0e9a7d6f-5887-460e-89ee-b09cbe2e8526", "why": "\"Basic Home Loan Variable LVR<60%\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 0% to 60%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Broken Hill Bank", "product": "Choice Investment Home Loan", "product_id": "55", "why": "\"Choice Investment Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Broken Hill Bank", "product": "Choice Investment Int Only", "product_id": "56", "why": "\"Choice Investment Int Only\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Broken Hill Bank", "product": "Choice Home Loan Interest Only", "product_id": "57", "why": "\"Choice Home Loan Interest Only\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Broken Hill Bank", "product": "480 - Housing Interest Only", "product_id": "29", "why": "\"480 - Housing Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Broken Hill Bank", "product": "L460 Invest House Int. Only", "product_id": "30", "why": "\"L460 Invest House Int. Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Broken Hill Bank", "product": "L22 Secured Personal Loan", "product_id": "24", "why": "\"L22 Secured Personal Loan\" publishes a maximum limit of $100,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Broken Hill Bank", "product": "L26 Investment Housing", "product_id": "25", "why": "\"L26 Investment Housing\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bendigo Bank", "product": "Bendigo Bridging Home Loan", "product_id": "b0e53612-1ba1-4f76-a5be-7ead098d6c39", "why": "\"Bendigo Bridging Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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 \"Documentation 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 \"Documentation 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." }, { "lender": "Bendigo Bank", "product": "Non-Individual Residential Investment Loan (NIRIL)", "product_id": "a6f1c3e5-2753-49dc-a2ac-f69dbce7a9bd", "why": "\"Non-Individual Residential Investment Loan (NIRIL)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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; the fee \"Documentation 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 \"Documentation 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." }, { "lender": "Defence Bank Limited", "product": "Premier Investor Home Loan", "product_id": "844", "why": "\"Premier Investor Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Ultimate Essentials Construction (INV)", "product_id": "900", "why": "\"Ultimate Essentials Construction (INV)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Ultimate Essentials Investor Variable", "product_id": "813", "why": "\"Ultimate Essentials Investor Variable\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Ultimate Essentials I/O", "product_id": "810", "why": "\"Ultimate Essentials I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Ultimate Essentials I/O Con", "product_id": "812", "why": "\"Ultimate Essentials I/O Con\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Premier Investor Low Rate", "product_id": "845", "why": "\"Premier Investor Low Rate\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Ultimate Essentials I/O Fixed", "product_id": "811", "why": "\"Ultimate Essentials I/O Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Rate lock fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Defence Bank Limited", "product": "Ultimate Essential Inv Fixed", "product_id": "814", "why": "\"Ultimate Essential Inv Fixed\" is not open to the public: only a business may hold it (Lending criteria). 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." }, { "lender": "Summerland", "product": "Premium Variable Investment Ln", "product_id": "85", "why": "\"Premium Variable Investment Ln\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Summerland", "product": "Fixed Rate Investment Loan", "product_id": "86", "why": "\"Fixed Rate Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Summerland", "product": "Basic Variable Investment Loan", "product_id": "82", "why": "\"Basic Variable Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Summerland", "product": "ECO Investment Home Loan", "product_id": "83", "why": "\"ECO Investment Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Queensland Country Bank", "product": "Home Equity Loan", "product_id": "29", "why": "\"Home Equity Loan\" 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 \"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 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Variable Interest - Principal and Interest - LVR < 80%", "product_id": "L31_1_I_V_PI", "why": "\"HOUSING LOAN (CODE) - Investment - Variable Interest - Principal and Interest - LVR < 80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Variable Interest - Principal and Interest - LVR > 80%", "product_id": "L31_1_I_V_PI_80", "why": "\"HOUSING LOAN (CODE) - Investment - Variable Interest - Principal and Interest - LVR > 80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Variable Interest - Interest Only", "product_id": "L31_2_I_V_IO", "why": "\"HOUSING LOAN (CODE) - Investment - Variable Interest - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Interest Only", "product_id": "L31_2_OO_V_IO", "why": "\"HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Fixed Interest - 12 months - Principal and Interest", "product_id": "L31_5_I_F12_PI", "why": "\"HOUSING LOAN (CODE) - Investment - Fixed Interest - 12 months - Principal and Interest\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Fixed Interest - 24 months - Principal and Interest", "product_id": "L31_6_I_F24_PI", "why": "\"HOUSING LOAN (CODE) - Investment - Fixed Interest - 24 months - Principal and Interest\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Fixed Interest - 36 months - Principal and Interest", "product_id": "L31_9_I_F36_PI", "why": "\"HOUSING LOAN (CODE) - Investment - Fixed Interest - 36 months - Principal and Interest\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%", "product_id": "L31_L31_10_OO_V_PI", "why": "\"HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70%", "product_id": "L31_L31_11_OO_V_PI", "why": "\"HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70%\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Investment - Variable Interest - Interest Only - LVR > 80%", "product_id": "L31_L31_2_I_V_IO_80", "why": "\"HOUSING LOAN (CODE) - Investment - Variable Interest - Interest Only - LVR > 80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL MURRAY CREDIT UNION LIMITED", "product": "HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Interest Only - LVR > 80%", "product_id": "L31_L31_2_OO_V_IO_80", "why": "\"HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Interest Only - LVR > 80%\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Fixed Home Loan (P&I) LVR >80", "product_id": "1", "why": "\"Fixed Home Loan (P&I) LVR >80\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Fixed Home Loan (IO) LVR <80", "product_id": "10", "why": "\"Fixed Home Loan (IO) LVR <80\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Bridging Loan L61", "product_id": "12", "why": "\"Bridging Loan L61\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Fixed Home Loan (IO) LVR >80", "product_id": "2", "why": "\"Fixed Home Loan (IO) LVR >80\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Basic (P&I) LVR <70", "product_id": "242", "why": "\"Investor Basic (P&I) LVR <70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Basic (IO) LVR <70", "product_id": "243", "why": "\"Investor Basic (IO) LVR <70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Basic P&I LVR>70-80", "product_id": "244", "why": "\"Investor Basic P&I LVR>70-80\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Investor Basic IO LVR>70-80", "product_id": "245", "why": "\"Investor Basic IO LVR>70-80\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Fixed Home Loan Inv P&I LVR<80", "product_id": "246", "why": "\"Fixed Home Loan Inv P&I LVR<80\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Fixed Home Loan Inv IO LVR<80", "product_id": "247", "why": "\"Fixed Home Loan Inv IO LVR<80\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Fixed Home Loan Inv P&I LVR>80", "product_id": "248", "why": "\"Fixed Home Loan Inv P&I LVR>80\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Fixed Home Loan Inv IO LVR>80", "product_id": "249", "why": "\"Fixed Home Loan Inv IO LVR>80\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Offset Variable HL LVR>90-95", "product_id": "282", "why": "\"Offset Variable HL LVR>90-95\" publishes a minimum loan to value ratio of 90.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Basic Variable HL LVR <60", "product_id": "283", "why": "\"Basic Variable HL LVR <60\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Offset Variable HL LVR>80-90", "product_id": "284", "why": "\"Offset Variable HL LVR>80-90\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Basic Variable HL LVR >60-70", "product_id": "285", "why": "\"Basic Variable HL LVR >60-70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Basic Variable HL LVR >80-90", "product_id": "287", "why": "\"Basic Variable HL LVR >80-90\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Basic Variable HL LVR >90-95", "product_id": "289", "why": "\"Basic Variable HL LVR >90-95\" publishes a minimum loan to value ratio of 90.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Offset Variable HL LVR>60-70", "product_id": "290", "why": "\"Offset Variable HL LVR>60-70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Offset Variable HL LVR<60", "product_id": "291", "why": "\"Offset Variable HL LVR<60\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Basic P&I LVR>80-90", "product_id": "295", "why": "\"Investor Basic P&I LVR>80-90\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Basic IO LVR>80-90", "product_id": "296", "why": "\"Investor Basic IO LVR>80-90\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Offset P&I LVR<70", "product_id": "297", "why": "\"Investor Offset P&I LVR<70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Offset IO LVR<70", "product_id": "298", "why": "\"Investor Offset IO LVR<70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Offset P&I LVR >70-80", "product_id": "299", "why": "\"Investor Offset P&I LVR >70-80\" 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 \"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 \"Third Party Doc 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Investor Offset IO LVR>70-80", "product_id": "300", "why": "\"Investor Offset IO LVR>70-80\" 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 \"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 Doc 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "P&N Bank", "product": "Investor Offset P&I LVR>80-90", "product_id": "301", "why": "\"Investor Offset P&I LVR>80-90\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Investor Offset IO LVR>80-90", "product_id": "302", "why": "\"Investor Offset IO LVR>80-90\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "P&N Bank", "product": "Reverse Mortgage Home Loan", "product_id": "73", "why": "\"Reverse Mortgage Home Loan\" publishes a maximum limit of $300,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "bcu", "product": "Investment P&I Fixed Home Loan", "product_id": "173", "why": "\"Investment P&I Fixed Home Loan\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "bcu", "product": "Investment IO Fixed Home Loan", "product_id": "174", "why": "\"Investment IO Fixed Home Loan\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "bcu", "product": "Variable Home Loan Inv (IO)", "product_id": "175", "why": "\"Variable Home Loan Inv (IO)\" 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 \"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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "bcu", "product": "Fixed IO Home Loan", "product_id": "182", "why": "\"Fixed IO Home Loan\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "bcu", "product": "Variable Home Loan Inv", "product_id": "184", "why": "\"Variable Home Loan Inv\" 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 \"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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "bcu", "product": "OMG Home Loan (P&I) LVR<60", "product_id": "210", "why": "\"OMG Home Loan (P&I) LVR<60\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "bcu", "product": "Offset Home Loan LVR <60", "product_id": "252", "why": "\"Offset Home Loan LVR <60\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "bcu", "product": "Offset Home Loan LVR >80", "product_id": "254", "why": "\"Offset Home Loan LVR >80\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "bcu", "product": "Basic Investment Loan (IO)", "product_id": "89", "why": "\"Basic Investment Loan (IO)\" 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 \"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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "bcu", "product": "Basic Inv Loan (P&I) LVR<70", "product_id": "90", "why": "\"Basic Inv Loan (P&I) LVR<70\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "bcu", "product": "OMG Home Loan (P&I) LVR>80", "product_id": "92", "why": "\"OMG Home Loan (P&I) LVR>80\" publishes a minimum loan to value ratio of 80.01% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "bcu", "product": "Basic Inv Loan (P&I) LVR>70", "product_id": "93", "why": "\"Basic Inv Loan (P&I) LVR>70\" 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 \"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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "Variable Home Loan Package Specials", "product_id": "CREDITUNIONSA_HL_442VS<80", "why": "\"Variable Home Loan Package Specials\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Credit Union SA", "product": "XL Home Loan Package", "product_id": "CREDITUNIONSA_HL_448", "why": "\"XL Home Loan Package\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Credit Union SA", "product": "XL Interest Only Home Loan Package", "product_id": "CREDITUNIONSA_HL_447XL", "why": "\"XL Interest Only Home Loan Package\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: a PERCENT tier (\"XL Construction Package <60% LVR\") gives 0.01 to 60, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"XL Construction Package <80% LVR\") gives 60.01 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"XL Construction Package <97% LVR\") gives 80.01 to 97, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "3-Year Fixed XL Home Loan Package", "product_id": "CREDITUNIONSA_HL_449F3", "why": "\"3-Year Fixed XL Home Loan Package\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Credit Union SA", "product": "1-Year Fixed XL Home Loan Package", "product_id": "CREDITUNIONSA_HL_449F1", "why": "\"1-Year Fixed XL Home Loan Package\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Credit Union SA", "product": "2-Year Fixed XL Home Loan Package", "product_id": "CREDITUNIONSA_HL_449F2", "why": "\"2-Year Fixed XL Home Loan Package\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Credit Union SA", "product": "Variable Home Loan Package Specials", "product_id": "CREDITUNIONSA_HL_442VS<60", "why": "\"Variable Home Loan Package Specials\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Credit Union SA", "product": "Investment Variable Home Loan Package Interest Only", "product_id": "CREDITUNIONSA_HL_442V_IO", "why": "\"Investment Variable Home Loan Package Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: a PERCENT tier (\"Investment Variable Home Loan Package Interest Only\") gives 0.01 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "2-Year Fixed Home Loan Package Interest Only", "product_id": "CREDITUNIONSA_HL_442F2_IO", "why": "\"2-Year Fixed Home Loan Package Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "3-Year Fixed Home Loan Package Interest Only", "product_id": "CREDITUNIONSA_HL_442F3_IO", "why": "\"3-Year Fixed Home Loan Package Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "3-Year Fixed Rate Home Loan Interest Only", "product_id": "CREDITUNIONSA_HL_443F3_IO", "why": "\"3-Year Fixed Rate Home Loan Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "1-Year Fixed Rate Home Loan Interest Only", "product_id": "CREDITUNIONSA_HL_443F1_IO", "why": "\"1-Year Fixed Rate Home Loan Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "1-Year Fixed Home Loan Package Interest Only", "product_id": "CREDITUNIONSA_HL_442F1_IO", "why": "\"1-Year Fixed Home Loan Package Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "2-Year Fixed Rate Home Loan Interest Only", "product_id": "CREDITUNIONSA_HL_443F2_IO", "why": "\"2-Year Fixed Rate Home Loan Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "Discounted Variable Rate Home Loan Interest Only", "product_id": "CREDITUNIONSA_HL_440_IO", "why": "\"Discounted Variable Rate Home Loan Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Credit Union SA", "product": "Standard Variable Rate Home Loan Interest Only", "product_id": "CREDITUNIONSA_HL_443V_IO", "why": "\"Standard Variable Rate Home Loan Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Premium Package 3Yr Fixed I/O", "product_id": "132", "why": "\"Premium Package 3Yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Allium Money Premium IO", "product_id": "218", "why": "\"Allium Money Premium IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Allium Money Premium Inv", "product_id": "221", "why": "\"Allium Money Premium Inv\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Allium Money Premium Inv IO", "product_id": "222", "why": "\"Allium Money Premium Inv IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Low Rate Essentials Int Only", "product_id": "100", "why": "\"Low Rate Essentials Int Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Home Loan 1yr Fixed Rate I/O", "product_id": "103", "why": "\"Home Loan 1yr Fixed Rate I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Home Loan 2yr Fixed Rate I/O", "product_id": "107", "why": "\"Home Loan 2yr Fixed Rate I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Home Loan 3yr Fixed Rate I/O", "product_id": "108", "why": "\"Home Loan 3yr Fixed Rate I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Home Loan 5yr Fixed I/O", "product_id": "110", "why": "\"Home Loan 5yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Land Loan Var Rate I/O", "product_id": "114", "why": "\"Land Loan Var Rate I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 5yr Fixed", "product_id": "121", "why": "\"Inv Home Loan 5yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 5yr Fixed I/O", "product_id": "122", "why": "\"Inv Home Loan 5yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Premium Package 5yr Fixed I/O", "product_id": "124", "why": "\"Premium Package 5yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Premium Package I/O", "product_id": "126", "why": "\"Premium Package I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Premium Package 1Yr Fixed I/O", "product_id": "128", "why": "\"Premium Package 1Yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Premium Package 2Yr Fixed I/O", "product_id": "130", "why": "\"Premium Package 2Yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Low Rate Essentials", "product_id": "133", "why": "\"Inv Low Rate Essentials\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Low Rate Essentials I/O", "product_id": "134", "why": "\"Inv Low Rate Essentials I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 1yr Fixed", "product_id": "135", "why": "\"Inv Home Loan 1yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 1yr Fixed I/O", "product_id": "136", "why": "\"Inv Home Loan 1yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan Variable", "product_id": "137", "why": "\"Inv Home Loan Variable\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 2yr Fixed", "product_id": "138", "why": "\"Inv Home Loan 2yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 3yr Fixed", "product_id": "139", "why": "\"Inv Home Loan 3yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 2yr Fixed I/O", "product_id": "140", "why": "\"Inv Home Loan 2yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan 3yr Fixed I/O", "product_id": "141", "why": "\"Inv Home Loan 3yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Home Loan Variable I/O", "product_id": "142", "why": "\"Inv Home Loan Variable I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Construction Loan", "product_id": "143", "why": "\"Inv Construction Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Land Loan Variable", "product_id": "144", "why": "\"Inv Land Loan Variable\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Land Loan Variable I/O", "product_id": "145", "why": "\"Inv Land Loan Variable I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Package", "product_id": "152", "why": "\"Inv Premium Package\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Package I/O", "product_id": "153", "why": "\"Inv Premium Package I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 1yr Fixed", "product_id": "154", "why": "\"Inv Premium Pack 1yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 1yr Fixed I/O", "product_id": "155", "why": "\"Inv Premium Pack 1yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 2yr Fixed", "product_id": "156", "why": "\"Inv Premium Pack 2yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 2yr Fixed I/O", "product_id": "157", "why": "\"Inv Premium Pack 2yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 3yr Fixed", "product_id": "158", "why": "\"Inv Premium Pack 3yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 3yr Fixed I/O", "product_id": "159", "why": "\"Inv Premium Pack 3yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 5yr Fixed", "product_id": "160", "why": "\"Inv Premium Pack 5yr Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Premium Pack 5yr Fixed I/O", "product_id": "161", "why": "\"Inv Premium Pack 5yr Fixed I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Green Home Loan IO", "product_id": "175", "why": "\"Green Home Loan IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Green Plus Home Loan IO", "product_id": "176", "why": "\"Green Plus Home Loan IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Green Plus Home Loan", "product_id": "197", "why": "\"Inv Green Plus Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Inv Green Plus Home Loan IO", "product_id": "198", "why": "\"Inv Green Plus Home Loan IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Allium Money Essentials IO", "product_id": "220", "why": "\"Allium Money Essentials IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Allium Money Essentials Inv", "product_id": "223", "why": "\"Allium Money Essentials Inv\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Gateway Bank", "product": "Allium Money Essentials Inv IO", "product_id": "224", "why": "\"Allium Money Essentials Inv IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Qudos Bank", "product": "Construction Home Loan", "product_id": "4a2c80ac-bfa5-46c3-b998-9225b0f2238b", "why": "\"Construction Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Fire Service Credit Union", "product": "L6 Investment Loan", "product_id": "23", "why": "\"L6 Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MOVE Bank", "product": "Offset Home Loan", "product_id": "74f0010a-eb8f-41cd-83d7-296aacc988ca", "why": "\"Offset Home Loan\" publishes a maximum limit of $30 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "St. George Bank", "product": "Relocation Loan without end", "product_id": "STGHLRelocationLoanWithoutEnd", "why": "\"Relocation Loan without end\" 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 \"Property Valuer 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." }, { "lender": "St. George Bank", "product": "Relocation Loan with end", "product_id": "STGHLRelocationLoanWithEnd", "why": "\"Relocation Loan with end\" 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 \"Property Valuer 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." }, { "lender": "BankSA", "product": "Relocation Loan with end", "product_id": "BSAHLRelocationLoanWithEnd", "why": "\"Relocation Loan with end\" 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 \"Property Valuer 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." }, { "lender": "BankSA", "product": "Relocation Loan without end", "product_id": "BSAHLRelocationLoanWithoutEnd", "why": "\"Relocation Loan without end\" 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 \"Property Valuer 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." }, { "lender": "Bank of Melbourne", "product": "Relocation Loan with end", "product_id": "BOMHLRelocationLoanWithEnd", "why": "\"Relocation Loan with end\" 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 \"Property Valuer 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." }, { "lender": "Bank of Melbourne", "product": "Relocation Loan without end", "product_id": "BOMHLRelocationLoanWithoutEnd", "why": "\"Relocation Loan without end\" 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 \"Property Valuer 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." }, { "lender": "A-Auswide Bank", "product": "HOME LOAN PLUS", "product_id": "1073ee4d-c5b1-40cf-b680-3ae3c5ff4b45", "why": "\"HOME LOAN PLUS\" 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 \"VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES\", 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_PREMIUM\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PROPERTY_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 \"DOCUMENT_PREPARATION_COSTS_AND_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 \"VALUATION_FEE_-_POST_SETTLEMENT\", 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 \"CONDITIONS_SUBSEQUENT_COSTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT\", 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." }, { "lender": "A-Auswide Bank", "product": "LINE OF CREDIT", "product_id": "4ef38e9d-2b69-495a-9e89-f594d54d6ae0", "why": "\"LINE OF CREDIT\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product publishes 2 lending rates and none of them is one a loan could be costed at. The standard's rate types include PENALTY and CASH_ADVANCE, and this reader will not cost a loan at either; the ones it will use are VARIABLE, FIXED, INTRODUCTORY, FLOATING, MARKET_LINKED; no amount or rate could be read for the fee \"VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES\", 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_PREMIUM\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PROPERTY_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 \"DOCUMENT_PREPARATION_COSTS_AND_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 \"VALUATION_FEE_-_POST_SETTLEMENT\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"CONDITIONS_SUBSEQUENT_COSTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"EMERGENCY_CARD/EMERGENCY_CASH_DISBURSEMENT_FEE\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"ATM_DIRECT_CHARGE_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." }, { "lender": "UniBank", "product": "Your Way Plus Home Loan Investor", "product_id": "3c567f34-f5f6-49b2-944a-422415b887f9", "why": "\"Your Way Plus Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was read from the list endpoint, which carries no rates, fees or features. It cannot be costed until the detail endpoint has been called for it, and it is not being costed as though it had none. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Plus Interest Only Home Loan Investor", "product_id": "4fc14fb8-80b5-4220-a2bd-b0585a80abcc", "why": "\"Your Way Plus Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was read from the list endpoint, which carries no rates, fees or features. It cannot be costed until the detail endpoint has been called for it, and it is not being costed as though it had none. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Plus Fixed Interest Only Home Loan Investor", "product_id": "62856f8e-6a07-483f-a972-ad293d005a9e", "why": "\"Your Way Plus Fixed Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Plus Fixed Home Loan Investor", "product_id": "e7ce9cc2-fb2b-43e3-bb69-37e502dc8db4", "why": "\"Your Way Plus Fixed Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Plus Interest Only Home Loan", "product_id": "94aaed0d-a065-42cb-9e84-379c63b64e15", "why": "\"Your Way Plus Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Plus Fixed Interest Only Home Loan", "product_id": "68670251-c9cd-45ca-ab5d-25b1a027ee37", "why": "\"Your Way Plus Fixed Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Home Loan Investor", "product_id": "ebd44c9a-7bd1-42d5-8775-00bcce87f207", "why": "\"Your Way Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Interest Only Home Loan Investor", "product_id": "55764c0d-861c-4b0e-9e30-b15e82514659", "why": "\"Your Way Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Fixed Rate Interest Only Home Loan Investor", "product_id": "90145145-0b95-423f-85c7-947f123665e5", "why": "\"Your Way Fixed Rate Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Fixed Rate Home Loan Investor", "product_id": "eedfd49e-99cb-4a5d-b1ea-cba8c470cb25", "why": "\"Your Way Fixed Rate Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Home Loan", "product_id": "3d6a883f-4ee5-4068-b4ba-427c18e834d8", "why": "\"Your Way Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UniBank", "product": "Your Way Fixed Rate Interest Only Home Loan", "product_id": "995509a9-b08c-427a-9361-1ca0d4432552", "why": "\"Your Way Fixed Rate Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Home Loan Investor", "product_id": "14080efd-2e07-4e21-b097-472d0aa498e3", "why": "\"Your Way Plus Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Interest Only Home Loan Investor", "product_id": "5e6e7908-f431-4911-9239-9f9210154b6d", "why": "\"Your Way Plus Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Fixed Home Loan Investor", "product_id": "6c2c9d48-09ca-4973-bfc0-4eaf974b77d5", "why": "\"Your Way Plus Fixed Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Fixed Interest Only Home Loan Investor", "product_id": "f59a6568-9947-4e24-9f61-1a1519537b30", "why": "\"Your Way Plus Fixed Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Interest Only Home Loan", "product_id": "26e1009c-fe1a-4e68-8ded-e8b135bc7549", "why": "\"Your Way Plus Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Plus Fixed Interest Only Home Loan", "product_id": "3f43234c-22e2-4876-9eee-ffba229ef095", "why": "\"Your Way Plus Fixed Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Home Loan Investor", "product_id": "b74eb833-f5c9-4c75-bc35-485295d52c37", "why": "\"Your Way Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Fixed Rate Interest Only Home Loan Investor", "product_id": "1b82e7c3-2ccf-4a38-a438-b384160dde6b", "why": "\"Your Way Fixed Rate Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Fixed Rate Home Loan Investor", "product_id": "71ccd11b-6f9c-4445-be63-645c3ce76f0c", "why": "\"Your Way Fixed Rate Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Interest Only Home Loan Investor", "product_id": "8b7b9f9e-f689-46bd-9cea-4bc159d5835b", "why": "\"Your Way Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Interest Only Home Loan", "product_id": "b040ba60-3f54-4e28-8705-d63af0ae6a44", "why": "\"Your Way Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Firefighters Mutual Bank", "product": "Your Way Fixed Rate Interest Only Home Loan", "product_id": "d5d0e78b-d563-48de-a776-e2c6970d257d", "why": "\"Your Way Fixed Rate Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Plus Fixed Home Loan Investor", "product_id": "325aa0ae-e82c-4212-a592-370bdf4f2080", "why": "\"Your Way Plus Fixed Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Plus Home Loan Investor", "product_id": "35caafbb-a0b5-441d-a883-6b05881601db", "why": "\"Your Way Plus Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Plus Fixed Interest Only Home Loan Investor", "product_id": "39dc1dc5-8c5b-499a-9c85-bd73554468f7", "why": "\"Your Way Plus Fixed Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Plus Interest Only Home Loan Investor", "product_id": "c40e7b34-afd9-4374-9f70-8ef811822cb3", "why": "\"Your Way Plus Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Plus Interest Only Home Loan", "product_id": "3b28ad14-6122-4761-9ad5-3e3ab902b8fc", "why": "\"Your Way Plus Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Plus Fixed Interest Only Home Loan", "product_id": "7dd3b1b8-342c-404f-a6ec-7069348a0d72", "why": "\"Your Way Plus Fixed Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Home Loan Investor", "product_id": "ed2c07ad-434d-46bc-a9ad-9cf8cf8c0b43", "why": "\"Your Way Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Fixed Rate Interest Only Home Loan Investor", "product_id": "270e2167-9251-450d-9584-1512a208f403", "why": "\"Your Way Fixed Rate Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Fixed Rate Home Loan Investor", "product_id": "c09b1024-7176-4c7a-b48c-137ed661c840", "why": "\"Your Way Fixed Rate Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Interest Only Home Loan Investor", "product_id": "ec59644d-cdc8-4bcd-a65e-a4c30f918aec", "why": "\"Your Way Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Fixed Rate Interest Only Home Loan", "product_id": "9020d0f2-c3b5-4cfd-bbe8-895ce59e0289", "why": "\"Your Way Fixed Rate Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_FEE_(HOME_LOAN)\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Health Professionals Bank", "product": "Your Way Interest Only Home Loan", "product_id": "cb527afa-64f5-4b06-9b81-35aa97d0f6a5", "why": "\"Your Way Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"FEE_FOR_FULL_VALUATION\" is published as a range from 0 to 400; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"REGISTRATION_FEE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Basic Investment Loan Fixed", "product_id": "e87e18b5-7276-4c0a-9e64-af5f3d615f22", "why": "\"Basic Investment Loan Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Offset Investment Loan Fixed IO", "product_id": "dfcc20c7-75b4-44e9-bf84-cc44344f51ae", "why": "\"Offset Investment Loan Fixed IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Clean Energy Investment Fixed", "product_id": "8105f838-63ca-458e-ba36-6233c6d517ac", "why": "\"Clean Energy Investment Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Basic Investment Loan Fixed IO", "product_id": "1dd1a713-6b2c-4cf4-b9a5-748193700ca3", "why": "\"Basic Investment Loan Fixed IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Offset Investment Loan Fixed", "product_id": "04e01126-08d6-46f8-9efe-b23b629085bc", "why": "\"Offset Investment Loan Fixed\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Break Fee\" is published as a range from 0 to 999999.99; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Offset Investment Loan IO", "product_id": "c17448a3-c764-44b0-80c6-8cd2b4c898e8", "why": "\"Offset Investment Loan IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Offset Investment Loan", "product_id": "47ba8f05-e7e1-493b-a646-e68dfcb2a23b", "why": "\"Offset Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Basic Investment Loan", "product_id": "c1754c68-efec-417c-99ed-658d6baabb7f", "why": "\"Basic Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Bridging Loan", "product_id": "bdaba26f-3404-46fb-a5c1-734e5471f971", "why": "\"Bridging Loan\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 0% to 75%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "Bank Australia", "product": "Basic Investment Loan IO", "product_id": "b6b85d51-8909-40b2-8bd4-4e165ad06f3c", "why": "\"Basic Investment Loan IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank Australia", "product": "Clean Energy Investment Loan", "product_id": "3c1eedce-4272-4e35-b0d1-0fea9729ceff", "why": "\"Clean Energy Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Macquarie", "product": "Macquarie Property Versatile", "product_id": "LN001MBLMPV001", "why": "\"Macquarie Property Versatile\" 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." }, { "lender": "ubank", "product": "Flex - Fixed INV IO", "product_id": "10", "why": "\"Flex - Fixed INV IO\" 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 \"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 \"Break costs\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Neat - INV Variable P&I", "product_id": "12", "why": "\"Neat - INV Variable P&I\" 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 \"Valuation Fee\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Neat - INV Variable IO", "product_id": "13", "why": "\"Neat - INV Variable IO\" 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 \"Valuation Fee\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Flex - Variable OO IO", "product_id": "4", "why": "\"Flex - Variable OO IO\" 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 \"Valuation fee\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Flex - Fixed OO IO", "product_id": "6", "why": "\"Flex - Fixed OO IO\" 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 \"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 \"Break costs\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Flex - Variable INV P&I", "product_id": "7", "why": "\"Flex - Variable INV P&I\" 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 \"Valuation fee\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Flex - Variable INV IO", "product_id": "8", "why": "\"Flex - Variable INV IO\" 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 \"Valuation fee\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ubank", "product": "Flex - Fixed INV P&I", "product_id": "9", "why": "\"Flex - Fixed INV P&I\" 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 \"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 \"Break costs\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Goulburn Murray Credit Union Co-Operative Ltd", "product": "Fixed Rate Home Loan - Investment", "product_id": "Investment_Loan-_Fixed_1_year_0.80_LVR_plus", "why": "\"Fixed Rate Home Loan - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Goulburn Murray Credit Union Co-Operative Ltd", "product": "Fixed Rate Investment 18 months - Special construction offer", "product_id": "Home_Loan-_Investment_fixed_18_months_(construction_offer)", "why": "\"Fixed Rate Investment 18 months - Special construction offer\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Goulburn Murray Credit Union Co-Operative Ltd", "product": "Standard Variable Plus Investment", "product_id": "Home_Loan-_Standard_Variable_Plus_Investment_Live", "why": "\"Standard Variable Plus Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Goulburn Murray Credit Union Co-Operative Ltd", "product": "Fixed Rate 18 months - Special construction offer", "product_id": "Home_Loan-_Fixed_18_months_(construction_offer)", "why": "\"Fixed Rate 18 months - Special construction offer\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Intelligent Mortgage Investment Loan 1 Year Fixed Rate", "product_id": "Investment_Fixed_Rate_Loan_1_Year", "why": "\"Intelligent Mortgage Investment Loan 1 Year Fixed Rate\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Intelligent Mortgage Investment Loan 2 Year Fixed", "product_id": "Investment_Fixed_Rate_Loan_2_Years", "why": "\"Intelligent Mortgage Investment Loan 2 Year Fixed\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Bridging Loan Investment Variable", "product_id": "Bridging_Loan_Investment_Variable", "why": "\"Bridging Loan Investment Variable\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Property Investment Mortgage Interest Only 1 Year", "product_id": "Property_Investment_Mortgage_Interest_Only_1_year", "why": "\"Property Investment Mortgage Interest Only 1 Year\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Property Investment Mortgage Interest Only 2 years", "product_id": "Property_Investment_Mortgage_Interest_Only_2_years", "why": "\"Property Investment Mortgage Interest Only 2 years\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Property Investment Mortgage Variable", "product_id": "Property_Investment_Mortgage_Variable", "why": "\"Property Investment Mortgage Variable\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "LCU", "product": "Property Mortgage - Investment - Interest Only", "product_id": "Interest_Only_Investment_Variable", "why": "\"Property Mortgage - Investment - Interest Only\" 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 \"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 \"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 \"REGISTRATION_FEES\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"PEXA_ELECTRONIC_LODGEMENT_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_DISCHARGE_SOLICITORS_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 \"OTHER_CERTIFICATES_AND_REPORTS\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"LAND_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 \"CONSENT_FOR_A_SECOND_MORTGAGE\", 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Coastline", "product": "Staff Housing Loan", "product_id": "38", "why": "\"Staff Housing Loan\" is not open to the public: only the lender’s own staff 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." }, { "lender": "Coastline", "product": "Interest Only (Owner Occupied)", "product_id": "40", "why": "\"Interest Only (Owner Occupied)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Coastline", "product": "Fixed Rate Investment Loan", "product_id": "68", "why": "\"Fixed Rate Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Coastline", "product": "Investment Essentials", "product_id": "69", "why": "\"Investment Essentials\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Coastline", "product": "Investment Options", "product_id": "70", "why": "\"Investment Options\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Coastline", "product": "Investment Variable", "product_id": "71", "why": "\"Investment Variable\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Coastline", "product": "Interest Only (Investment)", "product_id": "72", "why": "\"Interest Only (Investment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LVR constraint is given as 90; a loan to value ratio is a fraction here, so 80% is 0.8. This reader does not divide it by a hundred. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 80LVR - Property Investor - Variable - I/O", "product_id": "L23_80LVR_INV_INTOSO12", "why": "\"Momentum Home Loan 80LVR - Property Investor - Variable - I/O\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 80LVR - Property Investor - Variable - P&I", "product_id": "L23_80LVR_INV_PRIN", "why": "\"Momentum Home Loan 80LVR - Property Investor - Variable - P&I\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - P&I - 12 mths", "product_id": "L27_FIXINT1-5_INV_PRINSO12", "why": "\"Fixed Rate Home Loan - Property Investor - P&I - 12 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - P&I - 24 mths", "product_id": "L27_FIXINT1-5_INV_PRINSO24", "why": "\"Fixed Rate Home Loan - Property Investor - P&I - 24 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - P&I - 36 mths", "product_id": "L27_FIXINT1-5_INV_PRINSO36", "why": "\"Fixed Rate Home Loan - Property Investor - P&I - 36 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - P&I - 48 mths", "product_id": "L27_FIXINT1-5_INV_PRINSO48", "why": "\"Fixed Rate Home Loan - Property Investor - P&I - 48 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - P&I - 60 mths", "product_id": "L27_FIXINT1-5_INV_PRINSO60", "why": "\"Fixed Rate Home Loan - Property Investor - P&I - 60 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - I/O - 12 mths", "product_id": "L27_FIXIO1-5_INV_INTVSO12", "why": "\"Fixed Rate Home Loan - Property Investor - I/O - 12 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - I/O - 24 mths", "product_id": "L27_FIXIO1-5_INV_INTVSO24", "why": "\"Fixed Rate Home Loan - Property Investor - I/O - 24 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - I/O - 36 mths", "product_id": "L27_FIXIO1-5_INV_INTVSO36", "why": "\"Fixed Rate Home Loan - Property Investor - I/O - 36 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - I/O - 48 mths", "product_id": "L27_FIXIO1-5_INV_INTVSO48", "why": "\"Fixed Rate Home Loan - Property Investor - I/O - 48 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Property Investor - I/O - 60 mths", "product_id": "L27_FIXIO1-5_INV_INTVSO60", "why": "\"Fixed Rate Home Loan - Property Investor - I/O - 60 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths", "product_id": "L27_FIXIO1-5_OCC_INTVSO12", "why": "\"Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths", "product_id": "L27_FIXIO1-5_OCC_INTVSO24", "why": "\"Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths", "product_id": "L27_FIXIO1-5_OCC_INTVSO36", "why": "\"Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths", "product_id": "L27_FIXIO1-5_OCC_INTVSO48", "why": "\"Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths", "product_id": "L27_FIXIO1-5_OCC_INTVSO60", "why": "\"Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Advantage Home Loan - Investment - Variable - Interest Only - With Offset", "product_id": "L34_ADVL_INV_IntVs012_WO", "why": "\"Advantage Home Loan - Investment - Variable - Interest Only - With Offset\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Advantage Home Loan- Investment - Variable - Interest Only - Without Offset", "product_id": "L34_ADVL_INV_IntVs012_WOO", "why": "\"Advantage Home Loan- Investment - Variable - Interest Only - Without Offset\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Advantage Home Loan - Investment - Variable P&I - With Offset", "product_id": "L34_ADVL_INV_PRIN_WO", "why": "\"Advantage Home Loan - Investment - Variable P&I - With Offset\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Advantage Home Loan - Investment - Variable P&I - Without Offset", "product_id": "L34_ADVL_INV_PRIN_WOO", "why": "\"Advantage Home Loan - Investment - Variable P&I - Without Offset\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset", "product_id": "L34_ADVL_OO_IntVs012_WO", "why": "\"Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset", "product_id": "L34_ADVL_OO_IntVs012_WOO", "why": "\"Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 60LVR - Property Investor - Variable I/O", "product_id": "L23_60LVR_INV_INTOSO12", "why": "\"Momentum Home Loan 60LVR - Property Investor - Variable I/O\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I", "product_id": "L23_60-80LVR_INV_PRIN", "why": "\"Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only", "product_id": "L23_60-80LVR_INV_INTOSO12", "why": "\"Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "UNITY BANK", "product": "Bridging Loan - Investor", "product_id": "L32_IOBRIDG_INV_INTVS012", "why": "\"Bridging Loan - Investor\" publishes a maximum loan to value ratio of 75% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "UNITY BANK", "product": "Retirees Access Home Loan", "product_id": "L53_RETIREES_ALL_SCHEMES_INTVSO36", "why": "\"Retirees Access Home Loan\" publishes a maximum loan to value ratio of 40% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "UNITY BANK", "product": "Bridging Loan - Owner Occupied", "product_id": "L32_IOBRIDG_OCC_INTVS012", "why": "\"Bridging Loan - Owner Occupied\" publishes a maximum loan to value ratio of 75% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO", "product_id": "L23_60LVR_OCC_PRIN", "why": "\"Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "UNITY BANK", "product": "Momentum Home Loan 60LVR - Property Investor - Variable - P&I", "product_id": "L23_60LVR_INV_PRIN", "why": "\"Momentum Home Loan 60LVR - Property Investor - Variable - P&I\" publishes a maximum loan to value ratio of 60% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "THE CAPRICORNIAN", "product": "No Frills Investment Home Loan", "product_id": "e7773481-c5c4-45dc-9621-231d9492df56", "why": "\"No Frills Investment Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "THE CAPRICORNIAN", "product": "Premium Choice Investment Loan", "product_id": "b7c86d77-bdfb-4081-8ee1-a2e94796b047", "why": "\"Premium Choice Investment Loan\" 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 \"Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395.\", 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 Break Cost\", 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." }, { "lender": "THE CAPRICORNIAN", "product": "Mortgage Plus Home Loan", "product_id": "05f887ed-9578-47b5-83d2-02397405f2bd", "why": "\"Mortgage Plus Home Loan\" publishes a maximum loan to value ratio of 75% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "BankVic", "product": "Special Police Investor Variable Rate Home Loan", "product_id": "L7_Investment_Special_Police_Variable_Rate_IC87", "why": "\"Special Police Investor Variable Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Investor Special Rate Home Loan", "product_id": "L7_Investment_Special_Variable_Rate_IC86", "why": "\"Investor Special Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Investor IO Fixed 5 Years", "product_id": "L7_Fixed_5Yr_Inv_IO_IC44", "why": "\"Investor IO Fixed 5 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor IO Fixed 4 Years", "product_id": "L7_Fixed_4Yr_Inv_IO_IC44", "why": "\"Investor IO Fixed 4 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor IO Fixed 3 Years", "product_id": "L7_Fixed_3Yr_Inv_IO_IC44", "why": "\"Investor IO Fixed 3 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor IO Fixed 2 Years", "product_id": "L7_Fixed_2Yr_Invest_IO_IC44", "why": "\"Investor IO Fixed 2 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor IO Fixed 1 Year", "product_id": "L7_Fixed_1Yr_IO_IC44", "why": "\"Investor IO Fixed 1 Year\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor Fixed 5 Years", "product_id": "L7_Fixed_5Yr_IC3", "why": "\"Investor Fixed 5 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor Fixed 4 Years", "product_id": "L7_Fixed_4Yr_IC3", "why": "\"Investor Fixed 4 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor Fixed 3 Years", "product_id": "L7_Fixed_3Yr_IC3", "why": "\"Investor Fixed 3 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor Fixed 2 Years", "product_id": "L7_Fixed_2Yr_IC3", "why": "\"Investor Fixed 2 Years\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Investor Fixed 1 Year", "product_id": "L7_Fixed_1Year_Inv_IC3", "why": "\"Investor Fixed 1 Year\" 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 \"EARLY_REPAYMENT_OR_BREAK_COSTS\", 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." }, { "lender": "BankVic", "product": "Offset Investor Variable Rate Home Loan", "product_id": "L7_Investment_Offset_Variable_Rate_IC85", "why": "\"Offset Investor Variable Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Offset Police Investor Variable Rate Home", "product_id": "L7_Investment_Offset_Police_Variable_Rate_IC84", "why": "\"Offset Police Investor Variable Rate Home\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Police Investor IO Variable Rate Loan", "product_id": "L7_Police_Investor_IO_Variable_IC79", "why": "\"Police Investor IO Variable Rate Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Police Investor Variable Home Loan", "product_id": "L7_Investment_Police_Variable_Rate_IC78", "why": "\"Police Investor Variable Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Investor Variable Rate IO Loan", "product_id": "L7_Investment_Variable_IO_Loan_IC77", "why": "\"Investor Variable Rate IO Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankVic", "product": "Investor Variable Rate Home Loan", "product_id": "L7_Investment_Varioable_Rate_IC76", "why": "\"Investor Variable Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Intro Discounted Standard Variable Home Loan", "product_id": "L23_Disc_HL**4", "why": "\"Intro Discounted Standard Variable Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product was read from the list endpoint, which carries no rates, fees or features. It cannot be costed until the detail endpoint has been called for it, and it is not being costed as though it had none. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Optimum Investor 3 Year Fixed Rate Home Loan", "product_id": "L49_3Y_FRINV_8", "why": "\"Optimum Investor 3 Year Fixed Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers; the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown; the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Optimum Investor 2 Year Fixed Rate Home Loan", "product_id": "L48_2YR_FRINV_HL_12", "why": "\"Optimum Investor 2 Year Fixed Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers; the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown; the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Optimum Investor 1 Year Fixed Rate Home Loan", "product_id": "L47_1YR_FRINV_HL_12", "why": "\"Optimum Investor 1 Year Fixed Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers; the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown; the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Investment Home Loan - Interest Only", "product_id": "L25_Inv_interestonly", "why": "\"Investment Home Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Investment Discounted Standard Variable Home Loan", "product_id": "L24_DisHL_Invest1", "why": "\"Investment Discounted Standard Variable Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the product is flagged isTailored, so the published rates and fees are indicative and the real ones are negotiated. A comparison that ranked it on these figures would be ranking a starting point against firm offers; the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown; the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "South West Slopes Credit Union Ltd trading as SWSbank", "product": "Investment Standard Variable Home Loan", "product_id": "L21_HL_Investment", "why": "\"Investment Standard Variable Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MAX_LIMIT constraint has no readable value, so the most that may be borrowed is unknown; the MIN_LIMIT constraint has no readable value, so the least that may be borrowed is unknown. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 90% LVR - Owner Occupied", "product_id": "OO_5YR_FRHL_MAX_90_LVR", "why": "\"5 Year Fixed Rate Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 90% LVR - Owner Occupied", "product_id": "OO_4YR_FRHL_MAX_90_LVR", "why": "\"4 Year Fixed Rate Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 90% LVR - Owner Occupied", "product_id": "OO_3YR_FRHL_MAX_90_LVR", "why": "\"3 Year Fixed Rate Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 90% LVR - Owner Occupied", "product_id": "OO_2YR_FRHL_MAX_90_LVR", "why": "\"2 Year Fixed Rate Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 90% LVR - Owner Occupied", "product_id": "OO_1YR_FRHL_MAX_90_LVR", "why": "\"1 Year Fixed Rate Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 90% LVR - Owner Occupied", "product_id": "OO_BHL_MAX_90_LVR", "why": "\"Better Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 90% LVR - Owner Occupied", "product_id": "OO_STAND_VHL_MAX_90_LVR", "why": "\"Standard Variable Home Loan 90% LVR - Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80% to 90%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 90% LVR IO - Investment", "product_id": "INV_5YR_FRHL_MAX_90_LVR_IO", "why": "\"5 Year Fixed Rate Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 80% LVR IO - Investment", "product_id": "INV_5YR_FRHL_MAX_80_LVR_IO", "why": "\"5 Year Fixed Rate Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 90% LVR IO - Investment", "product_id": "INV_4YR_FRHL_MAX_90_LVR_IO", "why": "\"4 Year Fixed Rate Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 80% LVR IO - Investment", "product_id": "INV_4YR_FRHL_MAX_80_LVR_IO", "why": "\"4 Year Fixed Rate Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 90% LVR IO - Investment", "product_id": "INV_3YR_FRHL_MAX_90_LVR_IO", "why": "\"3 Year Fixed Rate Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 80% LVR IO - Investment", "product_id": "INV_3YR_FRHL_MAX_80_LVR_IO", "why": "\"3 Year Fixed Rate Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 90% LVR IO - Investment", "product_id": "INV_2YR_FRHL_MAX_90_LVR_IO", "why": "\"2 Year Fixed Rate Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 80% LVR IO - Investment", "product_id": "INV_2YR_FRHL_MAX_80_LVR_IO", "why": "\"2 Year Fixed Rate Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 90% LVR IO - Investment", "product_id": "INV_1YR_FRHL_MAX_90_LVR_IO", "why": "\"1 Year Fixed Rate Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 80% LVR IO - Investment", "product_id": "INV_1YR_FRHL_MAX_80_LVR_IO", "why": "\"1 Year Fixed Rate Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 90% LVR P&I - Investment", "product_id": "INV_STAND_VHL_MAX_90_LVR_PI", "why": "\"Standard Variable Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 90% LVR IO - Investment", "product_id": "INV_STAND_VHL_MAX_90_LVR_IO", "why": "\"Standard Variable Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 80% LVR P&I - Investment", "product_id": "INV_STAND_VHL_MAX_80_LVR_PI", "why": "\"Standard Variable Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Standard Variable Home Loan 80% LVR IO - Investment", "product_id": "INV_STAND_VHL_MAX_80_LVR_IO", "why": "\"Standard Variable Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 80% LVR P&I - Investment", "product_id": "INV_5YR_FRHL_MAX_80_LVR_PI", "why": "\"5 Year Fixed Rate Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "5 Year Fixed Rate Home Loan 90% LVR P&I - Investment", "product_id": "INV_5YR_FRHL__MAX_90_LVR_PI", "why": "\"5 Year Fixed Rate Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 90% LVR P&I - Investment", "product_id": "INV_4YR_FRHL_MAX_90_LVR_PI", "why": "\"4 Year Fixed Rate Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "4 Year Fixed Rate Home Loan 80% LVR P&I - Investment", "product_id": "INV_4YR_FRHL_MAX_80_LVR_PI", "why": "\"4 Year Fixed Rate Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 90% LVR P&I - Investment", "product_id": "INV_3YR_FRHL_MAX_90_LVR_PI", "why": "\"3 Year Fixed Rate Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "3 Year Fixed Rate Home Loan 80% LVR P&I - Investment", "product_id": "INV_3YR_FRHL_MAX_80_LVR_PI", "why": "\"3 Year Fixed Rate Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 90% LVR P&I - Investment", "product_id": "INV_2YR_FRHL_MAX_90_LVR_PI", "why": "\"2 Year Fixed Rate Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "2 Year Fixed Rate Home Loan 80% LVR P&I - Investment", "product_id": "INV_2YR_FRHL_MAX_80_LVR_PI", "why": "\"2 Year Fixed Rate Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 90% LVR P&I - Investment", "product_id": "INV_1YR_FRHL_MAX_90_LVR_PI", "why": "\"1 Year Fixed Rate Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "1 Year Fixed Rate Home Loan 80% LVR P&I - Investment", "product_id": "INV_1YR_FRHL_MAX_80_LVR_PI", "why": "\"1 Year Fixed Rate Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Low Rate Home Loan Special Offer - Investment", "product_id": "INV_LRHL_SPEC_OFF_MAX_80_LVR", "why": "\"Low Rate Home Loan Special Offer - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 90% LVR P&I - Investment", "product_id": "INV_BHL_MAX_90_LVR_PI", "why": "\"Better Home Loan 90% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 90% LVR IO - Investment", "product_id": "INV_BHL_MAX_90_LVR_IO", "why": "\"Better Home Loan 90% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 80% LVR P&I - Investment", "product_id": "INV_BHL_MAX_80_LVR_PI", "why": "\"Better Home Loan 80% LVR P&I - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "POLICE CREDIT UNION LIMITED", "product": "Better Home Loan 80% LVR IO - Investment", "product_id": "INV_BHL_MAX_80_LVR_IO", "why": "\"Better Home Loan 80% LVR IO - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 36 mths P&I Investment", "product_id": "L1_PREMIUM_FIXED_3YRS_INV_PI", "why": "\"Premium Home Loan Fixed 36 mths P&I Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 36 mths Interest Only Investment", "product_id": "L1_PREMIUM_FIXED_3YRS_INV_IO", "why": "\"Premium Home Loan Fixed 36 mths Interest Only Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 24 mths P&I Investment", "product_id": "L1_PREMIUM_FIXED_2YRS_INV_PI", "why": "\"Premium Home Loan Fixed 24 mths P&I Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 24 mths Interest Only Investment", "product_id": "L1_PREMIUM_FIXED_2YRS_INV_IO", "why": "\"Premium Home Loan Fixed 24 mths Interest Only Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 12 mths P&I Investment", "product_id": "L1_PREMIUM_FIXED_1YR_INV_PI", "why": "\"Premium Home Loan Fixed 12 mths P&I Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "ORANGE CREDIT UNION LTD", "product": "Premium Home Loan Fixed 12 mths Interest Only Investment", "product_id": "L1_PREMIUM_FIXED_1YR_INV_IO", "why": "\"Premium Home Loan Fixed 12 mths Interest Only Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 2YR FIXED INVESTOR P&I", "product_id": "L85_2YRFIXEDINVPI", "why": "\"MORTGAGE 2YR FIXED INVESTOR P&I\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 1YR FIXED INVESTOR P&I", "product_id": "L84_1YRFIXEDINVPI", "why": "\"MORTGAGE 1YR FIXED INVESTOR P&I\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 1YR FIXED INV IO", "product_id": "L84_1YRFIXEDINVIO", "why": "\"MORTGAGE 1YR FIXED INV IO\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 2YR FIXED INVESTOR IO", "product_id": "L85_2YRFIXEDINVIO", "why": "\"MORTGAGE 2YR FIXED INVESTOR IO\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "GOVT LOW DEP VARIABLE OOC PI", "product_id": "L45_GOVTLOWDEPVAROOCPI", "why": "\"GOVT LOW DEP VARIABLE OOC PI\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "BRIDGING LOAN", "product_id": "BRIDGINGLOAN", "why": "\"BRIDGING LOAN\" 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 \"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_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." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "LOW LVR INV P&I HOME LOAN", "product_id": "L35LOWLVRINVPI", "why": "\"LOW LVR INV P&I HOME LOAN\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "2 YEAR DISCOUNTED BASIC VARIABLE LOAN OWNER OCCUPIED P&I", "product_id": "2YRDISCVAROOCPI8", "why": "\"2 YEAR DISCOUNTED BASIC VARIABLE LOAN OWNER OCCUPIED P&I\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: this product publishes 1 lending rate and none of them is one a loan could be costed at. The standard's rate types include PENALTY and CASH_ADVANCE, and this reader will not cost a loan at either; the ones it will use are VARIABLE, FIXED, INTRODUCTORY, FLOATING, MARKET_LINKED; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "LOW LVR INV IO HOME LOAN", "product_id": "L35LOWLVRINVIO", "why": "\"LOW LVR INV IO HOME LOAN\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN INVESTOR IO", "product_id": "L90_BASISVARINVIO", "why": "\"BASIC VARIABLE LOAN INVESTOR IO\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "BASIC VARIABLE LOAN INVESTOR P&I", "product_id": "L90_BASICVARINVPI", "why": "\"BASIC VARIABLE LOAN INVESTOR P&I\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE OFFSET INVESTOR PI", "product_id": "OFFSETVARINVPI", "why": "\"MORTGAGE OFFSET INVESTOR PI\" 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 \"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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE OFFSET INVESTOR IO", "product_id": "OFFSETVARINVIO", "why": "\"MORTGAGE OFFSET INVESTOR IO\" 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 \"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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 3YR FIXED INVESTOR P&I", "product_id": "L86_3YRFIXEDINVPI", "why": "\"MORTGAGE 3YR FIXED INVESTOR P&I\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "MACARTHUR CREDIT UNION LTD", "product": "MORTGAGE 3YR FIXED INVESTOR IO", "product_id": "L86_3YRFIXEDINVIO", "why": "\"MORTGAGE 3YR FIXED INVESTOR IO\" 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 \"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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Team Member Home Loan - No Offset", "product_id": "L23", "why": "\"Team Member Home Loan - No Offset\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Plain and Simple Home Loan Owner Occupied", "product_id": "L90.1", "why": "\"Plain and Simple Home Loan Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Plain and Simple Home Loan Investment", "product_id": "L90.2", "why": "\"Plain and Simple Home Loan Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: a PERCENT tier (\"<=80% LVR\") gives 1 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=80% LVR\") gives 1 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=80% LVR\") gives 1 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=80% LVR\") gives 1 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Flexible Home Loan Investment P&I", "product_id": "L48.2", "why": "\"Flexible Home Loan Investment P&I\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: a PERCENT tier (\"<=80% LVR\") gives 1 to 80, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Flexible Home Loan Investment Interest Only", "product_id": "L48.3", "why": "\"Flexible Home Loan Investment Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: a PERCENT tier (\"<=75% LVR\") gives 1 to 75, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=75% LVR\") gives 1 to 75, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=75% LVR\") gives 1 to 75, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=75% LVR\") gives 1 to 75, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant; a PERCENT tier (\"<=75% LVR\") gives 1 to 75, and the standard expresses a rate tier percentage as a fraction — 60% is 0.6. This reader does not divide it by a hundred, because that would be a guess about what the holder meant. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Flexible Home Loan Owner Occupied", "product_id": "L48.1", "why": "\"Flexible Home Loan Owner Occupied\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "WOOLWORTHS TEAM BANK", "product": "Team Member Home Loan", "product_id": "L21.1", "why": "\"Team Member Home Loan\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are (none this reader could read). It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "People First Bank", "product": "Fixed Investment Loan", "product_id": "d5cad622-fc61-4edd-beaa-53dcfbb1d928", "why": "\"Fixed Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Land Title Office 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 \"Solicitor's/Conveyancer 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 \"Valuation 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 Cost 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 \"Bank Cheque 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 \"Lenders Mortgage Insurance (LMI)\" 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "People First Bank", "product": "Fixed Home Loan", "product_id": "ab366207-e016-4216-ba82-62061e6a44d7", "why": "\"Fixed Home Loan\" cannot be costed for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: nothing this product publishes covers a loan to value ratio of 80%. The bands published are 80.01% to 95%. It is kept out of the comparison rather than ranked at a rate this borrower may not be able to have." }, { "lender": "People First Bank", "product": "Fixed Investment Loan - Interest Only", "product_id": "29ec9c8d-cd99-455c-b137-fb449caacf59", "why": "\"Fixed Investment Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Land Title Office 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 \"Solicitor's/Conveyancer 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 \"Valuation 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 Cost 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 \"Bank Cheque 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Heritage", "product": "Standard Fixed Rate Home Loans - Investment", "product_id": "e5bcfa98-711e-4fe4-a61f-b48a1b08698d", "why": "\"Standard Fixed Rate Home Loans - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "People First Bank", "product": "Basic Variable Investment Construction - IO", "product_id": "ff48631b-094d-4e3b-aabc-76ba14d7e208", "why": "\"Basic Variable Investment Construction - IO\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Land Title Office 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 \"Solicitor's/Conveyancer 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 \"Valuation 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 \"Bank Cheque 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "People First Bank", "product": "Basic Variable Investment Loan - Interest Only", "product_id": "e89db159-79bc-4283-8a13-803ed308f4b5", "why": "\"Basic Variable Investment Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Solicitor's/Conveyancer 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 \"Land Title Office 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 \"Valuation 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 \"Bank Cheque 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 \"Solicitor's/Conveyancer 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 \"Land Title Office 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "People First Bank", "product": "Basic Variable Investment Construction", "product_id": "c2eb6f8f-71b9-4c76-9504-00b7393d1cfb", "why": "\"Basic Variable Investment Construction\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Land Title Office 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 \"Solicitor's/Conveyancer 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 \"Valuation 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 \"Bank Cheque 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 \"Lenders Mortgage Insurance (LMI)\" 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 \"Solicitor's/Conveyancer 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 \"Land Title Office 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "People First Bank", "product": "Basic Variable Investment Loan", "product_id": "64efdaaf-6f11-4bf4-9485-77960f9600d4", "why": "\"Basic Variable Investment Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"Solicitor's/Conveyancer 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 \"Land Title Office 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 \"Valuation 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 \"Bank Cheque 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 \"Lenders Mortgage Insurance (LMI)\" 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Heritage", "product": "Discount Variable - Investment", "product_id": "87fbccff-cd65-4cd3-98b9-e2220d59b6e8", "why": "\"Discount Variable - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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 \"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; 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 \"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 \"Stamp Duty\" 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "People First Bank", "product": "Home Build Access (HBA) Low Deposit", "product_id": "fe262220-bb74-4bd5-8b97-e7c986c74be8", "why": "\"Home Build Access (HBA) Low Deposit\" publishes a maximum limit of $96,250 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "People First Bank", "product": "Home Build Access (HBA) Deposit Assist Loan", "product_id": "5cb697f7-09f6-445c-929f-d721c301cb51", "why": "\"Home Build Access (HBA) Deposit Assist Loan\" publishes a maximum limit of $55,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "People First Bank", "product": "Fee Assistance Loan - Sub", "product_id": "22339aa7-2f1c-42c9-9db9-011f486c2871", "why": "\"Fee Assistance Loan - Sub\" publishes a maximum limit of $10,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Easystreet", "product": "2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_id": "L51-ES2YRF-INVPI", "why": "\"2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_id": "L51-ES2YRF-INVIO", "why": "\"2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_id": "L51-ES1YRF-INVPI", "why": "\"1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_id": "L51-ES1YRF-INVIO", "why": "\"1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN SPECIAL - INVESTMENT (Principal and Interest)", "product_id": "L24-ESSMVR-INVPI-SP", "why": "\"STREET SMART VARIABLE HOME LOAN SPECIAL - INVESTMENT (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_id": "L51-ES3YRF-INVIO", "why": "\"3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_id": "L51-ES3YRF-INVPI", "why": "\"3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)", "product_id": "L24-ESSMVR-INVIO-RD", "why": "\"STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)", "product_id": "L24-ESSMVR-INVPI-RD", "why": "\"STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Easystreet", "product": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)", "product_id": "L22-ESSMVR-OOIO-RD", "why": "\"STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "The Mutual Bank", "product": "Express Credit Facility", "product_id": "Express_Credit_Facility", "why": "\"Express Credit Facility\" 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 \"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; no amount or rate could be read for the fee \"REPLACEMENT_CARD_FEE_-_VISA_DEBIT_CARD\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"ATM_OWNER_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." }, { "lender": "Great Southern Bank", "product": "1 year Fixed Rate OO IO", "product_id": "4100-7102", "why": "\"1 year Fixed Rate OO IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "2 year Fixed Rate OO IO", "product_id": "4100-7202", "why": "\"2 year Fixed Rate OO IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "3 year Fixed Rate OO IO", "product_id": "4100-7302", "why": "\"3 year Fixed Rate OO IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "1 year Fixed Rate INV P&I", "product_id": "4300-7102", "why": "\"1 year Fixed Rate INV P&I\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "2 year Fixed Rate INV P&I", "product_id": "4300-7202", "why": "\"2 year Fixed Rate INV P&I\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "3 year Fixed Rate INV P&I", "product_id": "4300-7302", "why": "\"3 year Fixed Rate INV P&I\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "5 year Fixed Rate INV P&I", "product_id": "4300-7502", "why": "\"5 year Fixed Rate INV P&I\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "1 year Fixed Rate INV IO", "product_id": "4400-7102", "why": "\"1 year Fixed Rate INV IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "2 year Fixed Rate INV IO", "product_id": "4400-7202", "why": "\"2 year Fixed Rate INV IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "3 year Fixed Rate INV IO", "product_id": "4400-7302", "why": "\"3 year Fixed Rate INV IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "5year Fixed Rate INV IO", "product_id": "4400-7502", "why": "\"5year Fixed Rate INV IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payout Cost (EPC)\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Offset Variable OO IO", "product_id": "4100-0111", "why": "\"Offset Variable OO IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Basic Variable OO IO", "product_id": "4100-0211", "why": "\"Basic Variable OO IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Offset Variable Investment P&I", "product_id": "4300-0111", "why": "\"Offset Variable Investment P&I\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Basic Variable Investment P&I", "product_id": "4300-0211", "why": "\"Basic Variable Investment P&I\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Offset Variable Investment IO", "product_id": "4400-0111", "why": "\"Offset Variable Investment IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Basic Variable Investment IO", "product_id": "4400-0211", "why": "\"Basic Variable Investment IO\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Offset Variable OO Construction", "product_id": "4700-0111", "why": "\"Offset Variable OO Construction\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Basic Variable OO Construction", "product_id": "4700-0211", "why": "\"Basic Variable OO Construction\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Offset Variable Investment Construction", "product_id": "4800-0111", "why": "\"Offset Variable Investment Construction\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Basic Variable Investment Construction", "product_id": "4800-0211", "why": "\"Basic Variable Investment Construction\" 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 \"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 \"Home Guarantee Scheme LMI Premium\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Debt 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 \"Government fees and charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Solicitors costs\", 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." }, { "lender": "Great Southern Bank", "product": "Bridging Loan OO", "product_id": "4100-0601", "why": "\"Bridging Loan OO\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Great Southern Bank", "product": "Bridging Loan INV", "product_id": "4400-0601", "why": "\"Bridging Loan INV\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "HORIZON BANK", "product": "3 Year Fixed Residential Investment - Interest Only", "product_id": "L49_INV_Fixed3Y_IO", "why": "\"3 Year Fixed Residential Investment - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "2 Year Fixed Residential Investment - Interest Only", "product_id": "L47_INV_Fixed2Y_IO", "why": "\"2 Year Fixed Residential Investment - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "3 Year Fixed Residential Investment", "product_id": "L70_INV_Fixed3Y", "why": "\"3 Year Fixed Residential Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "2 Year Fixed Residential Investment", "product_id": "L69_INV_Fixed2Y", "why": "\"2 Year Fixed Residential Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "3 Year Fixed Home Loan - Interest Only", "product_id": "L45_L450001", "why": "\"3 Year Fixed Home Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "2 Year Fixed Home Loan - Interest Only", "product_id": "L44_L440001", "why": "\"2 Year Fixed Home Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "Home Sweet Home Loan - Investment", "product_id": "L5_HomeLoan_INV", "why": "\"Home Sweet Home Loan - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "HANDYLOAN", "product_id": "S3_S30001", "why": "\"HANDYLOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "1 Year Fixed Residential Investment", "product_id": "L68_INV_Fixed1Y", "why": "\"1 Year Fixed Residential Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "1 Year Fixed Residential Investment - Interest Only", "product_id": "L46_INV_Fixed1Y_IO", "why": "\"1 Year Fixed Residential Investment - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "5 Year Fixed Residential Investment - Interest Only", "product_id": "L33_INV_Fixed5Y_IO", "why": "\"5 Year Fixed Residential Investment - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "5 Year Fixed Residential Investment", "product_id": "L29_INV_Fixed5Y", "why": "\"5 Year Fixed Residential Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "1 Year Fixed Home Loan - Interest Only", "product_id": "L43_L430001", "why": "\"1 Year Fixed Home Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "First Home Buyer Loan - Investment Interest Only", "product_id": "L16_INV_FirstHomeBuyer_IO", "why": "\"First Home Buyer Loan - Investment Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "Home Sweet Home Loan - Investment Interest Only", "product_id": "L6_HomeLoan_INV_IO", "why": "\"Home Sweet Home Loan - Investment Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "First Home Buyer Loan - Investment", "product_id": "L15_INV_FirstHomeBuyer", "why": "\"First Home Buyer Loan - Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "First Home Buyer Loan - Interest Only", "product_id": "L13_FirstHomeBuyer_IO", "why": "\"First Home Buyer Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "HORIZON BANK", "product": "Home Sweet Home Loan - Interest Only", "product_id": "L3_HomeLoan_IO", "why": "\"Home Sweet Home Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankWAW", "product": "Flexible Choice Investment", "product_id": "L2_INVEST", "why": "\"Flexible Choice Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankWAW", "product": "Back to Basics Investment", "product_id": "L7_INVEST", "why": "\"Back to Basics Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "BankWAW", "product": "Home Equity Loan Investment", "product_id": "L42_INVEST", "why": "\"Home Equity Loan Investment\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_FIXED_PRINCIPAL_AND_INTEREST_24_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_FIXED_PRINCIPAL_AND_INTEREST_12_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_VARIABLE_PRINCIPAL_AND_INTEREST", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_FIXED_INTEREST_ONLY_24_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_OWNER_OCCUPIED_FIXED_INTEREST_ONLY_12_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_FIXED_INTEREST_ONLY_24_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "PACKAGE HOME LOANS", "product_id": "L44-_PACKAGE_HOME_LOAN_INVESTMENT_FIXED_INTEREST_ONLY_12_MONTHS", "why": "\"PACKAGE HOME LOANS\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_VARIABLE_PRINCIPAL_AND_INTEREST", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_FIXED_PRINCIPLE_AND_INTEREST_24_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_FIXED_INTEREST_ONLY_24_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_OWNER_OCCUPIED_FIXED_INTEREST_ONLY_12_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_FIXED_PRINCIPAL_AND_INTEREST_24_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the MIN_BALANCE constraint has no readable value, so the smallest balance the product allows is unknown; the MAX_BALANCE constraint has no readable value, so the largest balance the product allows is unknown. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_FIXED_PRINCIPAL_AND_INTEREST_12_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_FIXED_INTEREST_ONLY_24_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "RURAL LIFESTYLE LOAN", "product_id": "L42-_RURAL_LIFESTYLE_LOAN_INVESTMENT_FIXED_INTEREST_ONLY_12_MONTHS", "why": "\"RURAL LIFESTYLE LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41_CLASSIC_HOME_LOAN_INVESTMENT_PRINCIPAL_AND_INTEREST_FIXED_12_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_FIXED_INTEREST_ONLY_24_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-_CLASSIC_HOME_LOAN_OWNER_OCCUPIED_FIXED_INTEREST_ONLY_12_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-CLASSIC_HOME_LOAN_INVESTMENT_VARIABLE_PRINCIPAL_AND_INTEREST", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-CLASSIC_HOME_LOAN_INVESTMENT_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-CLASSIC_HOME_LOAN_INVESTMENT_PRINCIPAL_AND_INTEREST_FIXED_24_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-CLASSIC_HOME_LOAN_INVESTMENT_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-CLASSIC_HOME_LOAN_INVESTMENT_INTEREST_ONLY_FIXED_24_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "CLASSIC HOME LOAN", "product_id": "L41-CLASSIC_HOME_LOAN_INVESTMENT_INTEREST_ONLY_FIXED_12_MONTHS", "why": "\"CLASSIC HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "ESSENTIAL HOME LOAN", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_24_MONTHS", "why": "\"ESSENTIAL HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "WARWICK CREDIT UNION", "product": "ESSENTIAL HOME LOAN", "product_id": "L40-_ESSENTIAL_PLUS_HOME_LOAN_OWNER_OCCUPIED_VARIABLE_INTEREST_ONLY_12_MONTHS", "why": "\"ESSENTIAL HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of us", "product": "TOPLINE HOME LOAN", "product_id": "TopLineOO", "why": "\"TOPLINE HOME LOAN\" publishes a minimum limit of $2,500,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Bank of us", "product": "TOPLINE RES. INV. LOAN", "product_id": "TopLine", "why": "\"TOPLINE RES. INV. LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"TITLE_SEARCH_FEE\" is published as a range from 38.2 to 191; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDER'S_MORTGAGE_INSURANCE_PREMIUM\" is published as a range from 117.63 to 126397.73; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"PROGRESS_INSPECTION_FEES\" is published as a range from 109.09 to 1090.9; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of us", "product": "Flexidiscount Home Guarantee Scheme Home Loan", "product_id": "Flexidiscount_HGS", "why": "\"Flexidiscount Home Guarantee Scheme Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"TITLE_SEARCH_FEE\" is published as a range from 38.2 to 191; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDER'S_MORTGAGE_INSURANCE_PREMIUM\" is published as a range from 117.63 to 126397.73; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_COST_FEE\" is published as a range from 1 to 50000; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"PROGRESS_INSPECTION_FEES\" is published as a range from 109.09 to 1090.9; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of us", "product": "Flexidiscount Home Loan", "product_id": "Flexidiscount", "why": "\"Flexidiscount Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"TITLE_SEARCH_FEE\" is published as a range from 38.2 to 191; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDER'S_MORTGAGE_INSURANCE_PREMIUM\" is published as a range from 117.63 to 126397.73; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_COST_FEE\" is published as a range from 1 to 50000; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"PROGRESS_INSPECTION_FEES\" is published as a range from 109.09 to 1090.9; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of us", "product": "FlexiChoice Residential Investment Home Loan", "product_id": "FlexiChoice", "why": "\"FlexiChoice Residential Investment Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"TITLE_SEARCH_FEE\" is published as a range from 38.2 to 191; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDER'S_MORTGAGE_INSURANCE_PREMIUM\" is published as a range from 117.63 to 126397.73; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_COST_FEE\" is published as a range from 1 to 50000; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"PROGRESS_INSPECTION_FEES\" is published as a range from 109.09 to 1090.9; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of us", "product": "FLEXICHOICE HOME LOAN", "product_id": "FlexiChoiceVariableFixed", "why": "\"FLEXICHOICE HOME LOAN\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"TITLE_SEARCH_FEE\" is published as a range from 38.2 to 191; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"PROGRESS_INSPECTION_FEES\" is published as a range from 109.09 to 1090.9; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"BREAK_COST_FEE\" is published as a range from 1 to 50000; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of us", "product": "LINE OF CREDIT", "product_id": "FlexiLine", "why": "\"LINE OF CREDIT\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"TITLE_SEARCH_FEE\" is published as a range from 38.2 to 191; the top of it is carried, because the bottom would understate what the consumer may be charged. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "REFI SPECIAL INVESTMENT", "product_id": "L79_REFI_SPECIAL_INVESTMENT", "why": "\"REFI SPECIAL 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 \"SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES\", 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." }, { "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "2 FIXED RATE HOME LOAN INVESTMENT", "product_id": "L68_2_YEAR_FIXED_RATE_HOME_LOAN_INVESTMENT", "why": "\"2 FIXED RATE HOME LOAN 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 \"SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES\", 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." }, { "lender": "TRANSPORT MUTUAL CREDIT UNION LTD", "product": "1 FIXED RATE HOME LOAN INVESTMENT", "product_id": "L68_1_YEAR_FIXED_RATE_HOME_LOAN_INVESTMENT", "why": "\"1 FIXED RATE HOME LOAN 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 \"SOLICITOR_FEES_FOR_PREPARATION_OF_INTERSTATE_MORTGAGES\", 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." }, { "lender": "Australian Mutual Bank", "product": "Your Way Plus Home Loan Investor", "product_id": "387dc7e6-1e71-11f1-835b-325096b39f47", "why": "\"Your Way Plus Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Plus Interest Only Home Loan Investor", "product_id": "40a2fd06-1e71-11f1-b394-325096b39f47", "why": "\"Your Way Plus Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Plus Fixed Home Loan Investor", "product_id": "6b10b718-1e71-11f1-bca0-325096b39f47", "why": "\"Your Way Plus Fixed Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Plus Fixed Interest Only Home Loan Investor", "product_id": "8095ff08-1e71-11f1-9efa-325096b39f47", "why": "\"Your Way Plus Fixed Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Home Loan Investor", "product_id": "e80dad58-1e70-11f1-9d05-325096b39f47", "why": "\"Your Way Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Plus Fixed Interest Only Home Loan", "product_id": "5dad5f2c-1e71-11f1-b485-325096b39f47", "why": "\"Your Way Plus Fixed Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Plus Interest Only Home Loan", "product_id": "2dc3bfb8-1e71-11f1-90d0-325096b39f47", "why": "\"Your Way Plus Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Fixed Rate Home Loan Investor", "product_id": "1133eba2-1e71-11f1-a61f-325096b39f47", "why": "\"Your Way Fixed Rate Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Fixed Rate Interest Only Home Loan Investor", "product_id": "1b095694-1e71-11f1-b05f-325096b39f47", "why": "\"Your Way Fixed Rate Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Interest Only Home Loan Investor", "product_id": "f44b01ba-1e70-11f1-b485-325096b39f47", "why": "\"Your Way Interest Only Home Loan Investor\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Fixed Rate Interest Only Home Loan", "product_id": "08dfab12-1e71-11f1-96f0-325096b39f47", "why": "\"Your Way Fixed Rate Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Australian Mutual Bank", "product": "Your Way Interest Only Home Loan", "product_id": "d9eba1bc-1e70-11f1-abf4-325096b39f47", "why": "\"Your Way Interest Only Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: the fee \"LEGAL_FEES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"LENDERS_MORTGAGE_INSURANCE\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"COLLECTION_CHARGES\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; the fee \"STAMP_DUTY\" is published as a range from 0 to 9999999; the top of it is carried, because the bottom would understate what the consumer may be charged; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "RACQ Bank", "product": "Mortgage Breaker Investment Interest Only", "product_id": "308", "why": "\"Mortgage Breaker Investment Interest Only\" 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 \"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 \"Default Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "Mortgage Breaker Investment", "product_id": "102", "why": "\"Mortgage Breaker 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 \"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 \"Default Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "1 Year Fixed Home Loan Investment", "product_id": "114", "why": "\"1 Year Fixed Home Loan 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 \"Default Enforcement Expenses\", 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; no amount or rate could be read for the fee \"Early Payment Fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Termination 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." }, { "lender": "RACQ Bank", "product": "2 Year Fixed Home Loan Investment", "product_id": "122", "why": "\"2 Year Fixed Home Loan 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 \"Early Termination Fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payment 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; no amount or rate could be read for the fee \"Default Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "3 Year Fixed Home Loan Investment", "product_id": "124", "why": "\"3 Year Fixed Home Loan 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 \"Early Termination Fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payment 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; no amount or rate could be read for the fee \"Default Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "5 Year Fixed Home Loan Investment", "product_id": "127", "why": "\"5 Year Fixed Home Loan 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 \"Early Payment 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 Enforcement Expenses\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Termination 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; no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", 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." }, { "lender": "RACQ Bank", "product": "1 Year Fixed Home Loan Investment Interest Only", "product_id": "314", "why": "\"1 Year Fixed Home Loan Investment Interest Only\" 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 \"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 \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Termination Fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payment 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 Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "2 Year Fixed Home Loan Investment Interest Only", "product_id": "322", "why": "\"2 Year Fixed Home Loan Investment Interest Only\" 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 \"Loan Document Fee - Top Up\", 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; no amount or rate could be read for the fee \"Early Termination Fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Payment 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 Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "3 Year Fixed Home Loan Investment Interest Only", "product_id": "324", "why": "\"3 Year Fixed Home Loan Investment Interest Only\" 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 \"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 \"Early Payment Fee\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Termination 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 Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "5 Year Fixed Home Loan Investment Interest Only", "product_id": "327", "why": "\"5 Year Fixed Home Loan Investment Interest Only\" 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 \"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 \"Early Payment 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 Enforcement Expenses\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Loan Document Fee - Top Up\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Early Termination 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." }, { "lender": "RACQ Bank", "product": "Fair Dinkum Investment Home Loan", "product_id": "110", "why": "\"Fair Dinkum Investment Home Loan\" 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 \"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 \"Default Enforcement Expenses\", 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." }, { "lender": "RACQ Bank", "product": "Green Home Loan", "product_id": "576", "why": "\"Green Home Loan\" publishes a maximum limit of $50,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "RACQ Bank", "product": "Green Home Loan Investment", "product_id": "106", "why": "\"Green Home Loan Investment\" publishes a maximum limit of $50,000 and this loan is $500,000. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Bank of China", "product": "Fixed Rate Investment Home Loan (With Interest Only Repayment)", "product_id": "10391158IIO", "why": "\"Fixed Rate Investment Home Loan (With Interest Only Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Fixed Rate Investment Home Loan (With Principal and Interest Repayment)", "product_id": "10391158IPI", "why": "\"Fixed Rate Investment Home Loan (With Principal and Interest Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Discount Plus Investment Home Loan (with Interest Only Repayment)", "product_id": "10391366Plus", "why": "\"Discount Plus Investment Home Loan (with Interest Only Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Discount Plus Investment Home Loan (with Principal and Interest Repayment)", "product_id": "10391365Plus", "why": "\"Discount Plus Investment Home Loan (with Principal and Interest Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Standard Investment Variable Rate Home Loan", "product_id": "10391368", "why": "\"Standard Investment Variable Rate Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Discount Investment Home Loan (with Interest Only Repayment)", "product_id": "10391366", "why": "\"Discount Investment Home Loan (with Interest Only Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Discount Investment Home Loan (With Principal and Interest Repayment)", "product_id": "10391365", "why": "\"Discount Investment Home Loan (With Principal and Interest Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Discount Plus Home Loan (with Interest Only Repayment)", "product_id": "10391364Plus", "why": "\"Discount Plus Home Loan (with Interest Only Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Discount Home Loan (with Interest Only Repayment)", "product_id": "10391364", "why": "\"Discount Home Loan (with Interest Only Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Bank of China", "product": "Fixed Rate Home Loan (With Interest Only Repayment)", "product_id": "10391158OIO", "why": "\"Fixed Rate Home Loan (With Interest Only Repayment)\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Smart Fixed Rate Investment Home Loan 1 Year", "product_id": "Smart_Fixed_Rate_Investment_Home_Loan_-_1_Year", "why": "\"Smart Fixed Rate Investment Home Loan 1 Year\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Smart Fixed Rate Investment Home Loan 2 Years", "product_id": "Smart_Fixed_Rate_Investment_Home_Loan_2_years", "why": "\"Smart Fixed Rate Investment Home Loan 2 Years\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Smart Investment Home Loan", "product_id": "Smart_Investment_Home_Loan", "why": "\"Smart Investment Home Loan\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Mortgage Smart Home Loan - Interest Only", "product_id": "Smart_Home_Loan_-_Interest_only", "why": "\"Mortgage Smart Home Loan - Interest Only\" cannot be costed from the data published for it for OWNER_OCCUPIED PRINCIPAL_AND_INTEREST: no lending rate this reader would cost a loan at was published. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "CENTRAL WEST CREDIT UNION LTD", "product": "Mortgage Equity Loan", "product_id": "Mortgage_Equity_Loan", "why": "\"Mortgage Equity Loan\" publishes a maximum loan to value ratio of 70% and this loan is at 80%. It is kept out of the comparison rather than ranked on a rate that is not published for it." }, { "lender": "Newcastle Permanent", "product": "Real Deal Home Loan Interest Only", "product_id": "HL_realdealIO", "why": "\"Real Deal Home Loan Interest Only\" 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 \"Document and Miscellaneous Service\", 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." }, { "lender": "Newcastle Permanent", "product": "Fixed Rate Home Loan Interest Only", "product_id": "HL_fixedIO", "why": "\"Fixed Rate Home Loan Interest Only\" 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 \"Document and Miscellaneous Service\", 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 Fixed Rate Loans\", 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." }, { "lender": "Newcastle Permanent", "product": "Fixed Rate Home Loan Investment Interest Only", "product_id": "HL_fixedinvIO", "why": "\"Fixed Rate Home Loan Investment Interest Only\" 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 \"Document and Miscellaneous Service\", 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 Fixed Rate Loans\", 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." }, { "lender": "Newcastle Permanent", "product": "Fixed Rate Home Loan Investment Principal and Interest", "product_id": "HL_fixedinvPI", "why": "\"Fixed Rate Home Loan Investment Principal and Interest\" 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 \"Document and Miscellaneous Service\", 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 Fixed Rate Loans\", 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." }, { "lender": "Newcastle Permanent", "product": "Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest", "product_id": "HL_premiumplusfixedinvPI", "why": "\"Premium Plus Package Fixed Rate Home Loan Investment Principal and Interest\" 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 \"Document and Miscellaneous Service\", 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 Fixed Rate Loans\", 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." }, { "lender": "Newcastle Permanent", "product": "Real Deal Home Loan Investment Principal and Interest", "product_id": "HL_realdealinvPI", "why": "\"Real Deal Home Loan Investment Principal and Interest\" 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 \"Document and Miscellaneous Service\", 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." }, { "lender": "Newcastle Permanent", "product": "Premium Plus Package Fixed Rate Home Loan Investment Interest Only", "product_id": "HL_premiumplusfixedinvIO", "why": "\"Premium Plus Package Fixed Rate Home Loan Investment Interest Only\" 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 \"Break Costs Fixed Rate Loans\", so what it costs is unknown and is not being read as nothing; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Newcastle Permanent", "product": "Premium Plus Package Variable Home Loan Investment Interest Only", "product_id": "HL_premiumplusinvIO", "why": "\"Premium Plus Package Variable Home Loan Investment Interest Only\" 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 \"Document and Miscellaneous Service\", 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." }, { "lender": "Newcastle Permanent", "product": "Real Deal Home Loan Investment Interest Only", "product_id": "HL_realdealinvIO", "why": "\"Real Deal Home Loan Investment Interest Only\" 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 \"Document and Miscellaneous Service\", 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." }, { "lender": "Newcastle Permanent", "product": "Bridging Loan", "product_id": "HL_Bridging", "why": "\"Bridging Loan\" 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 \"Other Fees and Charges\", so what it costs is unknown and is not being read as nothing; no amount or rate could be read for the fee \"Settlement Fee\", so what it costs is unknown and is not being read as nothing; 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. It is kept out of the comparison rather than ranked on figures nobody has." }, { "lender": "Newcastle Permanent", "product": "Premium Plus Package Variable Home Loan Interest Only", "product_id": "HL_premiumplusIO", "why": "\"Premium Plus Package Variable Home Loan Interest Only\" 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 \"Document and Miscellaneous Service\", 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." }, { "lender": "Newcastle Permanent", "product": "Premium Plus Package Fixed Rate Home Loan Interest Only", "product_id": "HL_premiumplusfixedIO", "why": "\"Premium Plus Package Fixed Rate Home Loan Interest Only\" 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 \"Document and Miscellaneous Service\", 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 Fixed Rate Loans\", 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." }, { "lender": "Newcastle Permanent", "product": "Premium Plus Package Variable Home Loan Investment Principal and Interest", "product_id": "HL_premiumplusinvPI", "why": "\"Premium Plus Package Variable Home Loan Investment Principal and Interest\" 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 \"Document and Miscellaneous Service\", 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." }, { "lender": "BNK Bank (Goldfields Money/BCHL)", "product": "Prime Alt Doc Jumbo (BNK)", "product_id": "4002", "why": "\"Prime Alt Doc Jumbo (BNK)\" is not open to the public: only a business may hold it (A company and meet the following requirements:\n- Satisfactory investigation by BNK; and\n- Company borrowing being supported by the personal guarantee of the director(s). Guarantees\nfrom companies & trusts are not acceptable). 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." }, { "lender": "BNK Bank (Goldfields Money/BCHL)", "product": "Prime Alt Doc (BNK)", "product_id": "4001", "why": "\"Prime Alt Doc (BNK)\" is not open to the public: only a business may hold it (A company and meet the following requirements:\n- Satisfactory investigation by BNK; and\n- Company borrowing being supported by the personal guarantee of the director(s). Guarantees\nfrom companies & trusts are not acceptable). 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." }, { "lender": "BNK Bank (Goldfields Money/BCHL)", "product": "Gold Prime Residential Special Home Loans", "product_id": "2002", "why": "\"Gold Prime Residential Special Home Loans\" is not open to the public: only a business may hold it (Be a company and meet the following requirements:\n- Satisfactory investigation by BNK; and\n- Company borrowing being supported by the personal guarantee of the director(s). Guarantees from companies & trusts are not acceptable;); only a business may hold it (Be an Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a non-trading entity) and the family trust beneficiaries are all individuals). 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." }, { "lender": "BNK Bank (Goldfields Money/BCHL)", "product": "Gold Prime Residential Basic Home Loans", "product_id": "2001", "why": "\"Gold Prime Residential Basic Home Loans\" is not open to the public: only a business may hold it (Be a company and meet the following requirements:\n- Satisfactory investigation by BNK; and\n- Company borrowing being supported by the personal guarantee of the director(s). Guarantees from companies & trusts are not acceptable;); only a business may hold it (Be an Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a non-trading entity) and the family trust beneficiaries are all individuals). 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." }, { "lender": "Liberty Financial", "product": "Debt consolidation home loan", "product_id": "690e034e-a1c5-4aea-ba09-830b86a129b6", "why": "\"Debt consolidation home loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Low rate investment loan", "product_id": "d42e3fdd-ff27-47ca-812b-2dc54aad75af", "why": "\"Low rate investment loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Low deposit investment loan", "product_id": "ea0a982d-f0ad-40c9-9d92-9b8234ae839c", "why": "\"Low deposit investment loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Low rate home loan", "product_id": "b9200a53-74fd-4d37-91af-753fa446355f", "why": "\"Low rate home loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Low doc investment loan", "product_id": "71352589-e22c-46cc-a754-cff4f2377575", "why": "\"Low doc investment loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Low deposit home loan", "product_id": "8bbae52f-72b8-480e-8e6e-0a9137f862e0", "why": "\"Low deposit home loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Fresh start investment loan", "product_id": "05501e53-ad4f-4396-9a0a-0fa3c6b8daee", "why": "\"Fresh start investment loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Low doc home loan", "product_id": "7a0122b1-3f9c-4872-87c9-50e886aeff3b", "why": "\"Low doc home loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Flexible investment loan", "product_id": "712fd94c-946a-4ceb-8ef0-c76def48afb4", "why": "\"Flexible investment loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Fresh start home loan", "product_id": "8ab1738a-9d31-49db-ab95-7d8716fe31c1", "why": "\"Fresh start home loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." }, { "lender": "Liberty Financial", "product": "Flexible home loan", "product_id": "eb16c08a-4670-4a24-adf0-2f72e8d57f1f", "why": "\"Flexible home loan\" is not open to the public: only a business may hold it (Corporate trustees for family trusts). 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." } ], "counts": { "considered": 1360, "ranked": 294, "fixedNotRanked": 177, "excluded": 889, "costIsAFloor": 284, "tieredOnLvr": 215, "lenders": 87 }, "notes": [ "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." ], "could_not_read": [] }