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Comparison Rate Schedules - current as at 26 August 2008.





First Option Home Loan
Fixed Options Home Loan (fixed interest for 1 year)
Fixed Options Home Loan (fixed interest for 2 years)
Fixed Options Home Loan (fixed interest for 3 years)
Fixed Options Home Loan (fixed interest for 4 years)
Fixed Options Home Loan (fixed interest for 5 years)
Fixed Options Home Loan (fixed interest for 7 years)
Fixed Options Home Loan (fixed interest for 10 years)
Premium Option Home Loan (Variable Housing Rate)
Premium Option With 1 Year Guaranteed Rate
Premium Option Home Loan - Low Doc
Rocket Repay Home loan
Rocket Repay Home Loan - Low Doc
Fixed Options Home Loan - Low Doc (fixed interest for 1 year)
Fixed Options Home Loan - Low Doc (fixed interest for 2 years)
Fixed Options Home Loan - Low Doc (fixed interest for 3 years)
Fixed Options Home Loan - Low Doc (fixed interest for 4 years)
Fixed Options Home Loan - Low Doc (fixed interest for 5 years)
Fixed Options Home Loan - Low Doc (fixed interest for 7 years)
Fixed Options Home Loan - Low Doc (fixed interest for 10 years)

First Option Home Loan

	Amount of loan	Term	Annual interest rate	Comparison rate
	50,000	7 years	9.03% pa	9.89% pa
	70,000	25 years	9.03% pa	9.35% pa
	100,000	25 years	9.03% pa	9.25% pa
	130,000	25 years	9.03% pa	9.20% pa
	150,000	25 years	9.03% pa	9.18% pa
	200,000	25 years	9.03% pa	9.14% pa
	225,000	25 years	9.03% pa	9.13% pa
	250,000	25 years	9.03% pa	9.12% pa
	275,000	30 years	9.03% pa	9.11% pa
	300,000	30 years	9.03% pa	9.10% pa

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Fixed Options Home loan (fixed interest for 1 year)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 1	13.04% pa
	20,000	4 years	See Note 1	12.07% pa
	25,000	5 years	See Note 1	11.22% pa
	30,000	5 years	See Note 1	10.89% pa
	50,000	7 years	See Note 1	10.12% pa
	70,000	25 years	See Note 1	9.78% pa
	100,000	25 years	See Note 1	9.69% pa
	130,000	25 years	See Note 1	9.65% pa
	150,000	25 years	See Note 1	9.63% pa
	200,000	25 years	See Note 1	9.60% pa
	225,000	25 years	See Note 1	9.59% pa
	250,000	25 years	See Note 1	9.58% pa
	275,000	30 years	See Note 1	9.57% pa
	300,000	30 years	See Note 1	9.57% pa

Note 1: For the fixed rate period of the loan, the interest rate will be 8.69% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home loan (fixed interest for 2 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 2	12.68% pa
	20,000	4 years	See Note 2	11.72% pa
	25,000	5 years	See Note 2	10.90% pa
	30,000	5 years	See Note 2	10.57% pa
	50,000	7 years	See Note 2	9.86% pa
	70,000	25 years	See Note 2	9.65% pa
	100,000	25 years	See Note 2	9.57% pa
	130,000	25 years	See Note 2	9.53% pa
	150,000	25 years	See Note 2	9.51% pa
	200,000	25 years	See Note 2	9.48% pa
	225,000	25 years	See Note 2	9.47% pa
	250,000	25 years	See Note 2	9.46% pa
	275,000	30 years	See Note 2	9.46% pa
	300,000	30 years	See Note 2	9.46% pa

Note 2: For the fixed rate period of the loan, the interest rate will be 8.59% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home loan (fixed interest for 3 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 3	12.32% pa
	20,000	4 years	See Note 3	11.35% pa
	25,000	5 years	See Note 3	10.54% pa
	30,000	5 years	See Note 3	10.21% pa
	50,000	7 years	See Note 3	9.53% pa
	70,000	25 years	See Note 3	9.49% pa
	100,000	25 years	See Note 3	9.41% pa
	130,000	25 years	See Note 3	9.37% pa
	150,000	25 years	See Note 3	9.35% pa
	200,000	25 years	See Note 3	9.32% pa
	225,000	25 years	See Note 3	9.31% pa
	250,000	25 years	See Note 3	9.30% pa
	275,000	30 years	See Note 3	9.32% pa
	300,000	30 years	See Note 3	9.31% pa

Note 3: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home loan (fixed interest for 4 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	8.39% pa	12.25% pa
	20,000	4 years	8.39% pa	11.28% pa
	25,000	5 years	See Note 4	10.41% pa
	30,000	5 years	See Note 4	10.08% pa
	50,000	7 years	See Note 4	9.37% pa
	70,000	25 years	See Note 4	9.39% pa
	100,000	25 years	See Note 4	9.31% pa
	130,000	25 years	See Note 4	9.27% pa
	150,000	25 years	See Note 4	9.25% pa
	200,000	25 years	See Note 4	9.21% pa
	225,000	25 years	See Note 4	9.20% pa
	250,000	25 years	See Note 4	9.20% pa
	275,000	30 years	See Note 4	9.22% pa
	300,000	30 years	See Note 4	9.22% pa

Note 4: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home loan (fixed interest for 5 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	8.39% pa	12.25% pa
	20,000	4 years	8.39% pa	11.28% pa
	25,000	5 years	8.39% pa	10.36% pa
	30,000	5 years	8.39% pa	10.03% pa
	50,000	7 years	See Note 5	9.26% pa
	70,000	25 years	See Note 5	9.30% pa
	100,000	25 years	See Note 5	9.22% pa
	130,000	25 years	See Note 5	9.17% pa
	150,000	25 years	See Note 5	9.15% pa
	200,000	25 years	See Note 5	9.12% pa
	225,000	25 years	See Note 5	9.11% pa
	250,000	25 years	See Note 5	9.10% pa
	275,000	30 years	See Note 5	9.14% pa
	300,000	30 years	See Note 5	9.13% pa

Note 5: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home loan (fixed interest for 7 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	8.39% pa	12.25% pa
	20,000	4 years	8.39% pa	11.28% pa
	25,000	5 years	8.39% pa	10.36% pa
	30,000	5 years	8.39% pa	10.03% pa
	50,000	7 years	8.39% pa	9.17% pa
	70,000	25 years	See Note 6	9.14% pa
	100,000	25 years	See Note 6	9.06% pa
	130,000	25 years	See Note 6	9.02% pa
	150,000	25 years	See Note 6	9.00% pa
	200,000	25 years	See Note 6	8.97% pa
	225,000	25 years	See Note 6	8.96% pa
	250,000	25 years	See Note 6	8.95% pa
	275,000	30 years	See Note 6	8.99% pa
	300,000	30 years	See Note 6	8.98% pa

Note 6: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home loan (fixed interest for 10 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	8.39% pa	12.25% pa
	20,000	4 years	8.39% pa	11.28% pa
	25,000	5 years	8.39% pa	10.36% pa
	30,000	5 years	8.39% pa	10.03% pa
	50,000	7 years	8.39% pa	9.17% pa
	70,000	25 years	See Note 7	8.96% pa
	100,000	25 years	See Note 7	8.88% pa
	130,000	25 years	See Note 7	8.84% pa
	150,000	25 years	See Note 7	8.82% pa
	200,000	25 years	See Note 7	8.79% pa
	225,000	25 years	See Note 7	8.78% pa
	250,000	25 years	See Note 7	8.77% pa
	275,000	30 years	See Note 7	8.82% pa
	300,000	30 years	See Note 7	8.81% pa

Note 7: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Premium Option Home Loan (Variable Housing Rate)

	Amount of loan	Term	Annual interest rate	Comparison rate
	10,000	3 years	9.61% pa	16.81% pa
	15,000	4 years	9.61% pa	13.46% pa
	20,000	4 years	9.61% pa	12.49% pa
	25,000	5 years	9.61% pa	11.57% pa
	30,000	5 years	9.61% pa	11.24% pa
	50,000	7 years	9.61% pa	10.39% pa
	70,000	25 years	9.61% pa	9.89% pa
	100,000	25 years	9.61% pa	9.80% pa
	130,000	25 years	9.61% pa	9.76% pa
	150,000	25 years	9.61% pa	9.74% pa
	200,000	25 years	9.61% pa	9.71% pa
	225,000	25 years	9.61% pa	9.70% pa
	250,000	25 years	9.61% pa	9.69% pa
	275,000	30 years	9.61% pa	9.68% pa
	300,000	30 years	9.61% pa	9.67% pa

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Premium Option with 1 year guaranteed rate

	Amount of loan	Term	Annual interest rate	Comparison rate
	10,000	3 years	See Note 8	16.22% pa
	15,000	4 years	See Note 8	12.99% pa
	20,000	4 years	See Note 8	12.03% pa
	25,000	5 years	See Note 8	11.18% pa
	30,000	5 years	See Note 8	10.85% pa
	50,000	7 years	See Note 8	10.09% pa
	70,000	25 years	See Note 8	9.76% pa
	100,000	25 years	See Note 8	9.68% pa
	130,000	25 years	See Note 8	9.64% pa
	150,000	25 years	See Note 8	9.62% pa
	200,000	25 years	See Note 8	9.59% pa
	225,000	25 years	See Note 8	9.57% pa
	250,000	25 years	See Note 8	9.57% pa
	275,000	30 years	See Note 8	9.56% pa
	300,000	30 years	See Note 8	9.56% pa

Note 8: For the first year, the fixed interest rate will be 8.59% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Premium Option Home Loan - Low Doc

	Amount of loan	Term	Annual interest rate	Comparison rate
	50,000.00	7 years	9.61% pa	10.39% pa
	70,000.00	25 years	9.61% pa	9.89% pa
	100,000.00	25 years	9.61% pa	9.80% pa
	130,000.00	25 years	9.61% pa	9.76% pa
	150,000.00	25 years	9.61% pa	9.74% pa
	200,000.00	25 years	9.61% pa	9.71% pa
	225,000.00	25 years	9.61% pa	9.70% pa
	250,000.00	25 years	9.61% pa	9.69% pa
	275,000.00	30 years	9.61% pa	9.68% pa
	300,000.00	30 years	9.61% pa	9.67% pa

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Rocket Repay Home Loan

	Amount of loan	Term	Annual interest rate1	Comparison rate
	50,000	7 years	9.61% pa	10.69% pa
	70,000	25 years	9.61% pa	10.05% pa
	100,000	25 years	9.61% pa	9.92% pa
	130,000	25 years	9.61% pa	9.85% pa
	150,000	25 years	9.61% pa	9.81% pa
	200,000	25 years	9.61% pa	9.76% pa
	225,000	25 years	9.61% pa	9.75% pa
	250,000	25 years	9.61% pa	9.73% pa
	275,000	30 years	9.61% pa	9.71% pa
	300,000	30 years	9.61% pa	9.71% pa

1. For new business originated from 19 September 2005. A rate of 9.71% pa applies to loans originated prior to 19 September 2005.

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Rocket Repay Home Loan - Low Doc

	Amount of loan	Term	Annual interest rate	Comparison rate
	50,000	7 years	9.61% pa	10.69% pa
	70,000	25 years	9.61% pa	10.05% pa
	100,000	25 years	9.61% pa	9.92% pa
	130,000	25 years	9.61% pa	9.85% pa
	150,000	25 years	9.61% pa	9.81% pa
	200,000	25 years	9.61% pa	9.76% pa
	225,000	25 years	9.61% pa	9.75% pa
	250,000	25 years	9.61% pa	9.73% pa
	275,000	30 years	9.61% pa	9.71% pa
	300,000	30 years	9.61% pa	9.71% pa

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Fixed Options Home Loan - Low Doc (fixed interest for 1 year)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 9	13.04% pa
	20,000	4 years	See Note 9	12.07% pa
	25,000	5 years	See Note 9	11.22% pa
	30,000	5 years	See Note 9	10.89% pa
	50,000	7 years	See Note 9	10.12% pa
	70,000	25 years	See Note 9	9.78% pa
	100,000	25 years	See Note 9	9.69% pa
	130,000	25 years	See Note 9	9.65% pa
	150,000	25 years	See Note 9	9.63% pa
	200,000	25 years	See Note 9	9.60% pa
	225,000	25 years	See Note 9	9.59% pa
	250,000	25 years	See Note 9	9.58% pa
	275,000	30 years	See Note 9	9.57% pa
	300,000	30 years	See Note 9	9.57% pa

Note 9: For the fixed rate period of the loan, the interest rate will be 8.69% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home Loan - Low Doc (fixed interest for 2 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 10	12.68% pa
	20,000	4 years	See Note 10	11.72% pa
	25,000	5 years	See Note 10	10.90% pa
	30,000	5 years	See Note 10	10.57% pa
	50,000	7 years	See Note 10	9.86% pa
	70,000	25 years	See Note 10	9.65% pa
	100,000	25 years	See Note 10	9.57% pa
	130,000	25 years	See Note 10	9.53% pa
	150,000	25 years	See Note 10	9.51% pa
	200,000	25 years	See Note 10	9.48% pa
	225,000	25 years	See Note 10	9.47% pa
	250,000	25 years	See Note 10	9.46% pa
	275,000	30 years	See Note 10	9.46% pa
	300,000	30 years	See Note 10	9.46% pa

Note 10: For the fixed rate period of the loan, the interest rate will be 8.59% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home Loan - Low Doc (fixed interest for 3 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 11	12.32% pa
	20,000	4 years	See Note 11	11.35% pa
	25,000	5 years	See Note 11	10.54% pa
	30,000	5 years	See Note 11	10.21% pa
	50,000	7 years	See Note 11	9.53% pa
	70,000	25 years	See Note 11	9.49% pa
	100,000	25 years	See Note 11	9.41% pa
	130,000	25 years	See Note 11	9.37% pa
	150,000	25 years	See Note 11	9.35% pa
	200,000	25 years	See Note 11	9.32% pa
	225,000	25 years	See Note 11	9.31% pa
	250,000	25 years	See Note 11	9.30% pa
	275,000	30 years	See Note 11	9.32% pa
	300,000	30 years	See Note 11	9.31% pa

Note 11: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home Loan - Low Doc (fixed interest for 4 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	8.39% pa	12.25% pa
	20,000	4 years	8.39% pa	11.28% pa
	25,000	5 years	See Note 12	10.41% pa
	30,000	5 years	See Note 12	10.08% pa
	50,000	7 years	See Note 12	9.37% pa
	70,000	25 years	See Note 12	9.39% pa
	100,000	25 years	See Note 12	9.31% pa
	130,000	25 years	See Note 12	9.27% pa
	150,000	25 years	See Note 12	9.25% pa
	200,000	25 years	See Note 12	9.21% pa
	225,000	25 years	See Note 12	9.20% pa
	250,000	25 years	See Note 12	9.20% pa
	275,000	30 years	See Note 12	9.22% pa
	300,000	30 years	See Note 12	9.22% pa

Note 12: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home Loan - Low Doc (fixed interest for 5 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	8.39% pa	12.25% pa
	20,000	4 years	8.39% pa	11.28% pa
	25,000	5 years	8.39% pa	10.36% pa
	30,000	5 years	8.39% pa	10.03% pa
	50,000	7 years	See Note 13	9.26% pa
	70,000	25 years	See Note 13	9.30% pa
	100,000	25 years	See Note 13	9.22% pa
	130,000	25 years	See Note 13	9.17% pa
	150,000	25 years	See Note 13	9.15% pa
	200,000	25 years	See Note 13	9.12% pa
	225,000	25 years	See Note 13	9.11% pa
	250,000	25 years	See Note 13	9.10% pa
	275,000	30 years	See Note 13	9.14% pa
	300,000	30 years	See Note 13	9.13% pa

Note 13: For the fixed rate period of the loan, the interest rate will be 8.39% pa, after that the interest rate will be 9.61% pa (the Variable Housing Rate).

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Fixed Options Home Loan - Low Doc (fixed interest for 7 years)

	Amount of loan	Term	Annual interest rate	Comparison rate