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Home Loans

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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	10.38% pa
20,000	4 years	See Note 1	9.41% pa
25,000	5 years	See Note 1	8.55% pa
30,000	5 years	See Note 1	8.22% pa
50,000	7 years	See Note 1	7.44% pa
70,000	25 years	See Note 1	7.09% pa
100,000	25 years	See Note 1	7.01% pa
130,000	25 years	See Note 1	6.96% pa
150,000	25 years	See Note 1	6.94% pa
200,000	25 years	See Note 1	6.91% pa
225,000	25 years	See Note 1	6.90% pa
250,000	25 years	See Note 1	6.89% pa
275,000	30 years	See Note 1	6.89% pa
300,000	30 years	See Note 1	6.88% pa

Note 1: For the fixed rate period of the loan, the interest rate will be 5.99% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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	9.95% pa
20,000	4 years	See Note 2	8.98% pa
25,000	5 years	See Note 2	8.17% pa
30,000	5 years	See Note 2	7.84% pa
50,000	7 years	See Note 2	7.13% pa
70,000	25 years	See Note 2	6.96% pa
100,000	25 years	See Note 2	6.88% pa
130,000	25 years	See Note 2	6.84% pa
150,000	25 years	See Note 2	6.82% pa
200,000	25 years	See Note 2	6.78% pa
225,000	25 years	See Note 2	6.77% pa
250,000	25 years	See Note 2	6.76% pa
275,000	30 years	See Note 2	6.77% pa
300,000	30 years	See Note 2	6.77% pa

Note 2: For the fixed rate period of the loan, the interest rate will be 5.79% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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	9.67% pa
20,000	4 years	See Note 3	8.69% pa
25,000	5 years	See Note 3	7.87% pa
30,000	5 years	See Note 3	7.54% pa
50,000	7 years	See Note 3	6.86% pa
70,000	25 years	See Note 3	6.84% pa
100,000	25 years	See Note 3	6.75% pa
130,000	25 years	See Note 3	6.71% pa
150,000	25 years	See Note 3	6.69% pa
200,000	25 years	See Note 3	6.66% pa
225,000	25 years	See Note 3	6.65% pa
250,000	25 years	See Note 3	6.64% pa
275,000	30 years	See Note 3	6.66% pa
300,000	30 years	See Note 3	6.66% pa

Note 3: For the fixed rate period of the loan, the interest rate will be 5.69% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

Fixed Options Home loan (fixed interest for 4 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.38% pa
20,000	4 years	6.49% pa	9.41% pa
25,000	5 years	See Note 4	8.50% pa
30,000	5 years	See Note 4	8.17% pa
50,000	7 years	See Note 4	7.36% pa
70,000	25 years	See Note 4	7.03% pa
100,000	25 years	See Note 4	6.95% pa
130,000	25 years	See Note 4	6.91% pa
150,000	25 years	See Note 4	6.89% pa
200,000	25 years	See Note 4	6.85% pa
225,000	25 years	See Note 4	6.84% pa
250,000	25 years	See Note 4	6.83% pa
275,000	30 years	See Note 4	6.84% pa
300,000	30 years	See Note 4	6.83% pa

Note 4: For the fixed rate period of the loan, the interest rate will be 6.49% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

Fixed Options Home loan (fixed interest for 5 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.38% pa
20,000	4 years	6.49% pa	9.41% pa
25,000	5 years	6.49% pa	8.48% pa
30,000	5 years	6.49% pa	8.15% pa
50,000	7 years	See Note 5	7.32% pa
70,000	25 years	See Note 5	7.00% pa
100,000	25 years	See Note 5	6.92% pa
130,000	25 years	See Note 5	6.87% pa
150,000	25 years	See Note 5	6.85% pa
200,000	25 years	See Note 5	6.82% pa
225,000	25 years	See Note 5	6.81% pa
250,000	25 years	See Note 5	6.80% pa
275,000	30 years	See Note 5	6.81% pa
300,000	30 years	See Note 5	6.80% pa

Note 5: For the fixed rate period of the loan, the interest rate will be 6.49% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

Fixed Options Home loan (fixed interest for 7 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	10.88% pa
20,000	4 years	6.99% pa	9.90% pa
25,000	5 years	6.99% pa	8.98% pa
30,000	5 years	6.99% pa	8.64% pa
50,000	7 years	6.99% pa	7.78% pa
70,000	25 years	See Note 6	7.24% pa
100,000	25 years	See Note 6	7.15% pa
130,000	25 years	See Note 6	7.11% pa
150,000	25 years	See Note 6	7.09% pa
200,000	25 years	See Note 6	7.05% pa
225,000	25 years	See Note 6	7.04% pa
250,000	25 years	See Note 6	7.04% pa
275,000	30 years	See Note 6	7.02% pa
300,000	30 years	See Note 6	7.01% pa

Note 6: For the fixed rate period of the loan, the interest rate will be 6.99% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

Fixed Options Home loan (fixed interest for 10 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	10.88% pa
20,000	4 years	6.99% pa	9.90% pa
25,000	5 years	6.99% pa	8.98% pa
30,000	5 years	6.99% pa	8.64% pa
50,000	7 years	6.99% pa	7.78% pa
70,000	25 years	See Note 7	7.25% pa
100,000	25 years	See Note 7	7.17% pa
130,000	25 years	See Note 7	7.12% pa
150,000	25 years	See Note 7	7.10% pa
200,000	25 years	See Note 7	7.07% pa
225,000	25 years	See Note 7	7.06% pa
250,000	25 years	See Note 7	7.05% pa
275,000	30 years	See Note 7	7.03% pa
300,000	30 years	See Note 7	7.02% pa

Note 7: For the fixed rate period of the loan, the interest rate will be 6.99% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

Premium Option Home Loan (Variable Housing Rate)

Amount of loan	Term	Annual interest rate	Comparison rate
10,000	3 years	6.91% pa	14.15% pa
15,000	4 years	6.91% pa	10.80% pa
20,000	4 years	6.91% pa	9.82% pa
25,000	5 years	6.91% pa	8.90% pa
30,000	5 years	6.91% pa	8.57% pa
50,000	7 years	6.91% pa	7.70% pa
70,000	25 years	6.91% pa	7.19% pa
100,000	25 years	6.91% pa	7.11% pa
130,000	25 years	6.91% pa	7.06% pa
150,000	25 years	6.91% pa	7.04% pa
200,000	25 years	6.91% pa	7.01% pa
225,000	25 years	6.91% pa	7.00% pa
250,000	25 years	6.91% pa	6.99% pa
275,000	30 years	6.91% pa	6.98% pa
300,000	30 years	6.91% pa	6.97% pa

Premium Option Home Loan - Low Doc

Amount of loan	Term	Annual interest rate	Comparison rate
50,000.00	7 years	6.91% pa	7.70% pa
70,000.00	25 years	6.91% pa	7.19% pa
100,000.00	25 years	6.91% pa	7.11% pa
130,000.00	25 years	6.91% pa	7.06% pa
150,000.00	25 years	6.91% pa	7.04% pa
200,000.00	25 years	6.91% pa	7.01% pa
225,000.00	25 years	6.91% pa	7.00% pa
250,000.00	25 years	6.91% pa	6.99% pa
275,000.00	30 years	6.91% pa	6.98% pa
300,000.00	30 years	6.91% pa	6.97% pa

Rocket Repay Home Loan

Amount of loan	Term	Annual interest rate¹	Comparison rate
50,000	7 years	6.91% pa	8.03% pa
70,000	25 years	6.91% pa	7.37% pa
100,000	25 years	6.91% pa	7.23% pa
130,000	25 years	6.91% pa	7.16% pa
150,000	25 years	6.91% pa	7.13% pa
200,000	25 years	6.91% pa	7.07% pa
225,000	25 years	6.91% pa	7.05% pa
250,000	25 years	6.91% pa	7.04% pa
275,000	30 years	6.91% pa	7.02% pa
300,000	30 years	6.91% pa	7.01% pa

1. For new business originated from 19 September 2005. A rate of 7.01% applies to loans originated prior to 19 September 2005.

Rocket Repay Home Loan - Low Doc

Amount of loan	Term	Annual interest rate	Comparison rate
50,000	7 years	6.91% pa	8.03% pa
70,000	25 years	6.91% pa	7.37% pa
100,000	25 years	6.91% pa	7.23% pa
130,000	25 years	6.91% pa	7.16% pa
150,000	25 years	6.91% pa	7.13% pa
200,000	25 years	6.91% pa	7.07% pa
225,000	25 years	6.91% pa	7.05% pa
250,000	25 years	6.91% pa	7.04% pa
275,000	30 years	6.91% pa	7.02% pa
300,000	30 years	6.91% pa	7.01% pa

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	10.38% pa
20,000	4 years	See Note 9	9.41% pa
25,000	5 years	See Note 9	8.55% pa
30,000	5 years	See Note 9	8.22% pa
50,000	7 years	See Note 9	7.44% pa
70,000	25 years	See Note 9	7.09% pa
100,000	25 years	See Note 9	7.01% pa
130,000	25 years	See Note 9	6.96% pa
150,000	25 years	See Note 9	6.94% pa
200,000	25 years	See Note 9	6.91% pa
225,000	25 years	See Note 9	6.90% pa
250,000	25 years	See Note 9	6.89% pa
275,000	30 years	See Note 9	6.89% pa
300,000	30 years	See Note 9	6.88% pa

Note 9: For the fixed rate period of the loan, the interest rate will be 5.99% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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	9.95% pa
20,000	4 years	See Note 10	8.98% pa
25,000	5 years	See Note 10	8.17% pa
30,000	5 years	See Note 10	7.84% pa
50,000	7 years	See Note 10	7.13% pa
70,000	25 years	See Note 10	6.96% pa
100,000	25 years	See Note 10	6.88% pa
130,000	25 years	See Note 10	6.84% pa
150,000	25 years	See Note 10	6.82% pa
200,000	25 years	See Note 10	6.78% pa
225,000	25 years	See Note 10	6.77% pa
250,000	25 years	See Note 10	6.76% pa
275,000	30 years	See Note 10	6.77% pa
300,000	30 years	See Note 10	6.77% pa

Note 10: For the fixed rate period of the loan, the interest rate will be 5.79% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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	9.67% pa
20,000	4 years	See Note 11	8.69% pa
25,000	5 years	See Note 11	7.87% pa
30,000	5 years	See Note 11	7.54% pa
50,000	7 years	See Note 11	6.86% pa
70,000	25 years	See Note 11	6.84% pa
100,000	25 years	See Note 11	6.75% pa
130,000	25 years	See Note 11	6.71% pa
150,000	25 years	See Note 11	6.69% pa
200,000	25 years	See Note 11	6.66% pa
225,000	25 years	See Note 11	6.65% pa
250,000	25 years	See Note 11	6.64% pa
275,000	30 years	See Note 11	6.66% pa
300,000	30 years	See Note 11	6.66% pa

Note 11: For the fixed rate period of the loan, the interest rate will be 5.69% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.38% pa
20,000	4 years	6.49% pa	9.41% pa
25,000	5 years	See Note 12	8.50% pa
30,000	5 years	See Note 12	8.17% pa
50,000	7 years	See Note 12	7.36% pa
70,000	25 years	See Note 12	7.03% pa
100,000	25 years	See Note 12	6.95% pa
130,000	25 years	See Note 12	6.91% pa
150,000	25 years	See Note 12	6.89% pa
200,000	25 years	See Note 12	6.85% pa
225,000	25 years	See Note 12	6.84% pa
250,000	25 years	See Note 12	6.83% pa
275,000	30 years	See Note 12	6.84% pa
300,000	30 years	See Note 12	6.83% pa

Note 12: For the fixed rate period of the loan, the interest rate will be 6.49% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.38% pa
20,000	4 years	6.49% pa	9.41% pa
25,000	5 years	6.49% pa	8.48% pa
30,000	5 years	6.49% pa	8.15% pa
50,000	7 years	See Note 13	7.32% pa
70,000	25 years	See Note 13	7.00% pa
100,000	25 years	See Note 13	6.92% pa
130,000	25 years	See Note 13	6.87% pa
150,000	25 years	See Note 13	6.85% pa
200,000	25 years	See Note 13	6.82% pa
225,000	25 years	See Note 13	6.81% pa
250,000	25 years	See Note 13	6.80% pa
275,000	30 years	See Note 13	6.81% pa
300,000	30 years	See Note 13	6.80% pa

Note 13: For the fixed rate period of the loan, the interest rate will be 6.49% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

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

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	10.88% pa
20,000	4 years	6.99% pa	9.90% pa
25,000	5 years	6.99% pa	8.98% pa
30,000	5 years	6.99% pa	8.64% pa
50,000	7 years	6.99% pa	7.78% pa
70,000	25 years	See Note 14	7.24% pa
100,000	25 years	See Note 14	7.15% pa
130,000	25 years	See Note 14	7.11% pa
150,000	25 years	See Note 14	7.09% pa
200,000	25 years	See Note 14	7.05% pa
225,000	25 years	See Note 14	7.04% pa
250,000	25 years	See Note 14	7.04% pa
275,000	30 years	See Note 14	7.02% pa
300,000	30 years	See Note 14	7.01% pa

Note 14: For the fixed rate period of the loan, the interest rate will be 6.99% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

Fixed Options Home Loan - Low Doc (fixed interest for 10 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	10.88% pa
20,000	4 years	6.99% pa	9.90% pa
25,000	5 years	6.99% pa	8.98% pa
30,000	5 years	6.99% pa	8.64% pa
50,000	7 years	6.99% pa	7.78% pa
70,000	25 years	See Note 15	7.25% pa
100,000	25 years	See Note 15	7.17% pa
130,000	25 years	See Note 15	7.12% pa
150,000	25 years	See Note 15	7.10% pa
200,000	25 years	See Note 15	7.07% pa
225,000	25 years	See Note 15	7.06% pa
250,000	25 years	See Note 15	7.05% pa
275,000	30 years	See Note 15	7.03% pa
300,000	30 years	See Note 15	7.02% pa

Note 15: For the fixed rate period of the loan, the interest rate will be 6.99% pa, after that the interest rate will be 6.91% pa (the Variable Housing Rate).

All Home Loans in this schedule are secured loans.

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Disclaimer and use of Home Loan Centre

This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.