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Comparison Rate Schedules - current as at 13 October 2008.





First Option Investment Property Loan
Fixed Rate Investment Property Loan (fixed interest for 1 year)
Fixed Rate Investment Property Loan (fixed interest for 2 years)
Fixed Rate Investment Property Loan (fixed interest for 3 years)
Fixed Rate Investment Property Loan (fixed interest for 4 years)
Fixed Rate Investment Property Loan (fixed interest for 5 years)
Fixed Rate Investment Property Loan (fixed interest for 6 years)
Fixed Rate Investment Property Loan (fixed interest for 7 years)
Fixed Rate Investment Property Loan (fixed interest for 9 years)
Fixed Rate Investment Property Loan (fixed interest for 10 years)
Fixed Rate Investment Property Loan (fixed interest for 12 years)
Investment Loan With 1 Year Guaranteed Rate
Rocket Investment Loan
Rocket Investment Loan - Low Doc
Variable Rate Investment Property Loan
Variable Rate Investment Property Loan - Low Doc
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 1 year)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 2 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 3 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 4 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 5 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 6 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 7 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 9 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 10 years)
Fixed Rate Investment Property Loan - Low Doc (fixed interest for 12 years)


First Option Investment Property Loan

	Amount of loan	Term	Annual interest rate1	Comparison rate
	50,000	7 years	7.98% pa	8.94% pa
	70,000	25 years	7.98% pa	8.33% pa
	100,000	25 years	7.98% pa	8.22% pa
	130,000	25 years	7.98% pa	8.17% pa
	150,000	25 years	7.98% pa	8.14% pa
	200,000	25 years	7.98% pa	8.10% pa
	225,000	25 years	7.98% pa	8.09% pa
	250,000	25 years	7.98% pa	8.08% pa
	275,000	30 years	7.98% pa	8.06% pa
	300,000	30 years	7.98% pa	8.06% pa

1. For new business originated from 21 March 2005. A rate of 8.08% pa applies to loans originated prior to 21 March 2005

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Fixed Rate Investment Property Loan (fixed interest for 1 year)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 1	12.44% pa
	20,000	4 years	See Note 1	11.33% pa
	25,000	5 years	See Note 1	10.35% pa
	30,000	5 years	See Note 1	9.98% pa
	50,000	7 years	See Note 1	9.10% pa
	70,000	25 years	See Note 1	8.73% pa
	100,000	25 years	See Note 1	8.64% pa
	130,000	25 years	See Note 1	8.59% pa
	150,000	25 years	See Note 1	8.57% pa
	200,000	25 years	See Note 1	8.53% pa
	225,000	25 years	See Note 1	8.52% pa
	250,000	25 years	See Note 1	8.51% pa
	275,000	30 years	See Note 1	8.51% pa
	300,000	30 years	See Note 1	8.50% pa

Note 1: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Investment Property Loan Rate).

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Fixed Rate Investment Property Loan (fixed interest for 2 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 2	12.09% pa
	20,000	4 years	See Note 2	10.97% pa
	25,000	5 years	See Note 2	10.03% pa
	30,000	5 years	See Note 2	9.65% pa
	50,000	7 years	See Note 2	8.83% pa
	70,000	25 years	See Note 2	8.61% pa
	100,000	25 years	See Note 2	8.52% pa
	130,000	25 years	See Note 2	8.47% pa
	150,000	25 years	See Note 2	8.45% pa
	200,000	25 years	See Note 2	8.41% pa
	225,000	25 years	See Note 2	8.40% pa
	250,000	25 years	See Note 2	8.39% pa
	275,000	30 years	See Note 2	8.40% pa
	300,000	30 years	See Note 2	8.40% pa

Note 2: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 3 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 3	11.70% pa
	20,000	4 years	See Note 3	10.58% pa
	25,000	5 years	See Note 3	9.64% pa
	30,000	5 years	See Note 3	9.26% pa
	50,000	7 years	See Note 3	8.49% pa
	70,000	25 years	See Note 3	8.44% pa
	100,000	25 years	See Note 3	8.35% pa
	130,000	25 years	See Note 3	8.30% pa
	150,000	25 years	See Note 3	8.28% pa
	200,000	25 years	See Note 3	8.25% pa
	225,000	25 years	See Note 3	8.23% pa
	250,000	25 years	See Note 3	8.23% pa
	275,000	30 years	See Note 3	8.25% pa
	300,000	30 years	See Note 3	8.24% pa

Note 3: For the fixed rate period of the loan, the interest rate will be 7.19% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 4 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	See Note 4	9.68% pa
	30,000	5 years	See Note 4	9.30% pa
	50,000	7 years	See Note 4	8.47% pa
	70,000	25 years	See Note 4	8.40% pa
	100,000	25 years	See Note 4	8.31% pa
	130,000	25 years	See Note 4	8.27% pa
	150,000	25 years	See Note 4	8.24% pa
	200,000	25 years	See Note 4	8.21% pa
	225,000	25 years	See Note 4	8.20% pa
	250,000	25 years	See Note 4	8.19% pa
	275,000	30 years	See Note 4	8.21% pa
	300,000	30 years	See Note 4	8.21% pa

Note 4: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 5 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	7.39% pa	9.64% pa
	30,000	5 years	7.39% pa	9.26% pa
	50,000	7 years	See Note 5	8.36% pa
	70,000	25 years	See Note 5	8.32% pa
	100,000	25 years	See Note 5	8.23% pa
	130,000	25 years	See Note 5	8.18% pa
	150,000	25 years	See Note 5	8.16% pa
	200,000	25 years	See Note 5	8.12% pa
	225,000	25 years	See Note 5	8.11% pa
	250,000	25 years	See Note 5	8.10% pa
	275,000	30 years	See Note 5	8.13% pa
	300,000	30 years	See Note 5	8.13% pa

Note 5: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 6 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	7.39% pa	9.64% pa
	30,000	5 years	7.39% pa	9.26% pa
	50,000	7 years	See Note 6	8.30% pa
	70,000	25 years	See Note 6	8.24% pa
	100,000	25 years	See Note 6	8.15% pa
	130,000	25 years	See Note 6	8.10% pa
	150,000	25 years	See Note 6	8.08% pa
	200,000	25 years	See Note 6	8.04% pa
	225,000	25 years	See Note 6	8.03% pa
	250,000	25 years	See Note 6	8.02% pa
	275,000	30 years	See Note 6	8.06% pa
	300,000	30 years	See Note 6	8.06% pa

Note 6: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 7 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	7.39% pa	9.64% pa
	30,000	5 years	7.39% pa	9.26% pa
	50,000	7 years	7.39% pa	8.28% pa
	70,000	25 years	See Note 7	8.17% pa
	100,000	25 years	See Note 7	8.08% pa
	130,000	25 years	See Note 7	8.03% pa
	150,000	25 years	See Note 7	8.01% pa
	200,000	25 years	See Note 7	7.97% pa
	225,000	25 years	See Note 7	7.96% pa
	250,000	25 years	See Note 7	7.95% pa
	275,000	30 years	See Note 7	7.99% pa
	300,000	30 years	See Note 7	7.99% pa

Note 7: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 9 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	7.39% pa	9.64% pa
	30,000	5 years	7.39% pa	9.26% pa
	50,000	7 years	7.39% pa	8.28% pa
	70,000	25 years	See Note 8	8.05% pa
	100,000	25 years	See Note 8	7.96% pa
	130,000	25 years	See Note 8	7.91% pa
	150,000	25 years	See Note 8	7.89% pa
	200,000	25 years	See Note 8	7.85% pa
	225,000	25 years	See Note 8	7.84% pa
	250,000	25 years	See Note 8	7.83% pa
	275,000	30 years	See Note 8	7.88% pa
	300,000	30 years	See Note 8	7.87% pa

Note 8: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 10 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	7.39% pa	9.64% pa
	30,000	5 years	7.39% pa	9.26% pa
	50,000	7 years	7.39% pa	8.28% pa
	70,000	25 years	See Note 9	7.99% pa
	100,000	25 years	See Note 9	7.90% pa
	130,000	25 years	See Note 9	7.86% pa
	150,000	25 years	See Note 9	7.84% pa
	200,000	25 years	See Note 9	7.80% pa
	225,000	25 years	See Note 9	7.79% pa
	250,000	25 years	See Note 9	7.78% pa
	275,000	30 years	See Note 9	7.83% pa
	300,000	30 years	See Note 9	7.82% pa

Note 9: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan (fixed interest for 12 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	7.39% pa	11.82% pa
	20,000	4 years	7.39% pa	10.70% pa
	25,000	5 years	7.39% pa	9.64% pa
	30,000	5 years	7.39% pa	9.26% pa
	50,000	7 years	7.39% pa	8.28% pa
	70,000	25 years	See Note 10	7.91% pa
	100,000	25 years	See Note 10	7.82% pa
	130,000	25 years	See Note 10	7.77% pa
	150,000	25 years	See Note 10	7.75% pa
	200,000	25 years	See Note 10	7.71% pa
	225,000	25 years	See Note 10	7.70% pa
	250,000	25 years	See Note 10	7.69% pa
	275,000	30 years	See Note 10	7.74% pa
	300,000	30 years	See Note 10	7.74% pa

Note 10: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Investment Loan with 1 Year Guaranteed Rate

	Amount of loan	Term	Annual interest rate	Comparison rate
	10,000	3 years	See Note 11	16.11% pa
	15,000	4 years	See Note 11	12.35% pa
	20,000	4 years	See Note 11	11.24% pa
	25,000	5 years	See Note 11	10.28% pa
	30,000	5 years	See Note 11	9.90% pa
	50,000	7 years	See Note 11	9.05% pa
	70,000	25 years	See Note 11	8.71% pa
	100,000	25 years	See Note 11	8.62% pa
	130,000	25 years	See Note 11	8.57% pa
	150,000	25 years	See Note 11	8.55% pa
	200,000	25 years	See Note 11	8.51% pa
	225,000	25 years	See Note 11	8.50% pa
	250,000	25 years	See Note 11	8.49% pa
	275,000	30 years	See Note 11	8.49% pa
	300,000	30 years	See Note 11	8.48% pa

Note 11: For the fixed rate period of the loan, the interest rate will be 7.19% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Rocket Investment Loan

	Amount of loan	Term	Annual interest rate2	Comparison rate
	50,000	7 years	8.56% pa	9.75% pa
	70,000	25 years	8.56% pa	9.03% pa
	100,000	25 years	8.56% pa	8.89% pa
	130,000	25 years	8.56% pa	8.81% pa
	150,000	25 years	8.56% pa	8.78% pa
	200,000	25 years	8.56% pa	8.72% pa
	225,000	25 years	8.56% pa	8.71% pa
	250,000	25 years	8.56% pa	8.69% pa
	275,000	30 years	8.56% pa	8.67% pa
	300,000	30 years	8.56% pa	8.66% pa

2. For new business originated from 19 September 2005. A rate of 8.66% pa applies to loans originated prior to 19 September 2005.

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Rocket Investment Loan - Low Doc

	Amount of loan	Term	Annual interest rate	Comparison rate
	50,000	7 years	8.56% pa	9.75% pa
	70,000	25 years	8.56% pa	9.03% pa
	100,000	25 years	8.56% pa	8.89% pa
	130,000	25 years	8.56% pa	8.81% pa
	150,000	25 years	8.56% pa	8.78% pa
	200,000	25 years	8.56% pa	8.72% pa
	225,000	25 years	8.56% pa	8.71% pa
	250,000	25 years	8.56% pa	8.69% pa
	275,000	30 years	8.56% pa	8.67% pa
	300,000	30 years	8.56% pa	8.66% pa

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Variable Rate Investment Property Loan

	Amount of loan	Term	Annual interest rate3	Comparison rate
	10,000	3 years	8.56% pa	16.90% pa
	15,000	4 years	8.56% pa	12.98% pa
	20,000	4 years	8.56% pa	11.86% pa
	25,000	5 years	8.56% pa	10.80% pa
	30,000	5 years	8.56% pa	10.42% pa
	50,000	7 years	8.56% pa	9.44% pa
	70,000	25 years	8.56% pa	8.86% pa
	100,000	25 years	8.56% pa	8.77% pa
	130,000	25 years	8.56% pa	8.72% pa
	150,000	25 years	8.56% pa	8.70% pa
	200,000	25 years	8.56% pa	8.67% pa
	225,000	25 years	8.56% pa	8.65% pa
	250,000	25 years	8.56% pa	8.64% pa
	275,000	30 years	8.56% pa	8.63% pa
	300,000	30 years	8.56% pa	8.63% pa

3. For new business originated from 21 March 2005. A rate of 8.66% pa applies to loans originated prior to 21 March 2005.

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Variable Rate Investment Property Loan - Low Doc

	Amount of loan	Term	Annual interest rate4	Comparison rate
	50,000	7 years	8.56% pa	9.44% pa
	70,000	25 years	8.56% pa	8.86% pa
	100,000	25 years	8.56% pa	8.77% pa
	130,000	25 years	8.56% pa	8.72% pa
	150,000	25 years	8.56% pa	8.70% pa
	200,000	25 years	8.56% pa	8.67% pa
	225,000	25 years	8.56% pa	8.65% pa
	250,000	25 years	8.56% pa	8.64% pa
	275,000	30 years	8.56% pa	8.63% pa
	300,000	30 years	8.56% pa	8.63% pa

4. For new business originated from 21 March 2005. A rate of 8.66% pa applies to loans originated prior to 21 March 2005.

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Fixed Rate Investment Property Loan - Low Doc (fixed interest for 1 year)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 12	12.44% pa
	20,000	4 years	See Note 12	11.33% pa
	25,000	5 years	See Note 12	10.35% pa
	30,000	5 years	See Note 12	9.98% pa
	50,000	7 years	See Note 12	9.10% pa
	70,000	25 years	See Note 12	8.73% pa
	100,000	25 years	See Note 12	8.64% pa
	130,000	25 years	See Note 12	8.59% pa
	150,000	25 years	See Note 12	8.57% pa
	200,000	25 years	See Note 12	8.53% pa
	225,000	25 years	See Note 12	8.52% pa
	250,000	25 years	See Note 12	8.51% pa
	275,000	30 years	See Note 12	8.51% pa
	300,000	30 years	See Note 12	8.50% pa

Note 12: For the fixed rate period of the loan, the interest rate will be 7.39% pa, after that the interest rate will be 8.56% pa (the Variable Housing Rate).

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Fixed Rate Investment Property Loan - Low Doc (fixed interest for 2 years)

	Amount of loan	Term	Annual interest rate	Comparison rate
	15,000	4 years	See Note 13	12.09% pa
	20,000	4 years	See Note 13	10.97% pa
	25,000	5 years	See Note 13	10.03% pa
	30,000	5 years	See Note 13	9.65% pa
	50,000	7 years	See Note 13	8.83% pa
	70,000	25 years	See Note 13	8.61% pa
	100,000	25 years	See Note 13	8.52% pa
	130,000	25 years	See Note 13	8.47% pa
	150,000	25 years	See Note 13	8.45% pa
	200,000	25 years	See Note 13	8.41% pa
	225,000	25 years	See Note 13	8.40% pa
	250,000	25 years