Investment Property Loans

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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	10.93% pa
20,000	4 years	See Note 1	9.81% pa
25,000	5 years	See Note 1	8.81% pa
30,000	5 years	See Note 1	8.44% pa
50,000	7 years	See Note 1	7.54% pa
70,000	25 years	See Note 1	7.12% pa
100,000	25 years	See Note 1	7.03% pa
130,000	25 years	See Note 1	6.98% pa
150,000	25 years	See Note 1	6.96% pa
200,000	25 years	See Note 1	6.92% pa
225,000	25 years	See Note 1	6.91% pa
250,000	25 years	See Note 1	6.90% pa
275,000	30 years	See Note 1	6.89% pa
300,000	30 years	See Note 1	6.89% 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 Investment Property Loan Rate).

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	10.50% pa
20,000	4 years	See Note 2	9.38% pa
25,000	5 years	See Note 2	8.43% pa
30,000	5 years	See Note 2	8.05% pa
50,000	7 years	See Note 2	7.23% pa
70,000	25 years	See Note 2	6.99% pa
100,000	25 years	See Note 2	6.90% pa
130,000	25 years	See Note 2	6.85% pa
150,000	25 years	See Note 2	6.83% pa
200,000	25 years	See Note 2	6.79% pa
225,000	25 years	See Note 2	6.78% pa
250,000	25 years	See Note 2	6.77% pa
275,000	30 years	See Note 2	6.78% 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 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	10.21% pa
20,000	4 years	See Note 3	9.09% pa
25,000	5 years	See Note 3	8.13% pa
30,000	5 years	See Note 3	7.75% pa
50,000	7 years	See Note 3	6.96% pa
70,000	25 years	See Note 3	6.86% pa
100,000	25 years	See Note 3	6.77% pa
130,000	25 years	See Note 3	6.72% pa
150,000	25 years	See Note 3	6.70% pa
200,000	25 years	See Note 3	6.67% 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	6.67% 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 Rate Investment Property Loan (fixed interest for 4 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.93% pa
20,000	4 years	6.49% pa	9.81% pa
25,000	5 years	See Note 4	8.76% pa
30,000	5 years	See Note 4	8.38% pa
50,000	7 years	See Note 4	7.45% pa
70,000	25 years	See Note 4	7.06% pa
100,000	25 years	See Note 4	6.97% pa
130,000	25 years	See Note 4	6.92% pa
150,000	25 years	See Note 4	6.90% pa
200,000	25 years	See Note 4	6.86% pa
225,000	25 years	See Note 4	6.85% pa
250,000	25 years	See Note 4	6.84% 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 Rate Investment Property Loan (fixed interest for 5 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.93% pa
20,000	4 years	6.49% pa	9.81% pa
25,000	5 years	6.49% pa	8.74% pa
30,000	5 years	6.49% pa	8.37% pa
50,000	7 years	See Note 5	7.41% pa
70,000	25 years	See Note 5	7.03% pa
100,000	25 years	See Note 5	6.94% pa
130,000	25 years	See Note 5	6.89% pa
150,000	25 years	See Note 5	6.87% pa
200,000	25 years	See Note 5	6.83% pa
225,000	25 years	See Note 5	6.82% pa
250,000	25 years	See Note 5	6.81% pa
275,000	30 years	See Note 5	6.81% pa
300,000	30 years	See Note 5	6.81% 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 Rate Investment Property Loan (fixed interest for 6 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	See Note 6	7.88% pa
70,000	25 years	See Note 6	7.26% pa
100,000	25 years	See Note 6	7.17% pa
130,000	25 years	See Note 6	7.12% pa
150,000	25 years	See Note 6	7.09% pa
200,000	25 years	See Note 6	7.06% pa
225,000	25 years	See Note 6	7.05% 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 Rate Investment Property Loan (fixed interest for 7 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	6.99% pa	7.88% pa
70,000	25 years	See Note 7	7.26% 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	7.06% pa
225,000	25 years	See Note 7	7.05% pa
250,000	25 years	See Note 7	7.04% pa
275,000	30 years	See Note 7	7.02% 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).

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

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	6.99% pa	7.88% pa
70,000	25 years	See Note 8	7.27% pa
100,000	25 years	See Note 8	7.18% pa
130,000	25 years	See Note 8	7.13% pa
150,000	25 years	See Note 8	7.11% pa
200,000	25 years	See Note 8	7.07% pa
225,000	25 years	See Note 8	7.06% pa
250,000	25 years	See Note 8	7.05% pa
275,000	30 years	See Note 8	7.03% pa
300,000	30 years	See Note 8	7.03% pa

Note 8: 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 Rate Investment Property Loan (fixed interest for 10 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	6.99% pa	7.88% pa
70,000	25 years	See Note 9	7.27% pa
100,000	25 years	See Note 9	7.18% pa
130,000	25 years	See Note 9	7.13% pa
150,000	25 years	See Note 9	7.11% pa
200,000	25 years	See Note 9	7.08% pa
225,000	25 years	See Note 9	7.06% pa
250,000	25 years	See Note 9	7.05% pa
275,000	30 years	See Note 9	7.04% pa
300,000	30 years	See Note 9	7.03% pa

Note 9: 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 Rate Investment Property Loan (fixed interest for 12 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	6.99% pa	7.88% pa
70,000	25 years	See Note 10	7.28% pa
100,000	25 years	See Note 10	7.19% pa
130,000	25 years	See Note 10	7.14% pa
150,000	25 years	See Note 10	7.12% pa
200,000	25 years	See Note 10	7.08% pa
225,000	25 years	See Note 10	7.07% pa
250,000	25 years	See Note 10	7.06% pa
275,000	30 years	See Note 10	7.04% pa
300,000	30 years	See Note 10	7.04% pa

Note 10: 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).

Rocket Investment Loan

Amount of loan	Term	Annual interest rate²	Comparison rate
50,000	7 years	6.91% pa	8.12% pa
70,000	25 years	6.91% pa	7.40% pa
100,000	25 years	6.91% pa	7.25% pa
130,000	25 years	6.91% pa	7.17% pa
150,000	25 years	6.91% pa	7.14% pa
200,000	25 years	6.91% pa	7.08% pa
225,000	25 years	6.91% pa	7.06% pa
250,000	25 years	6.91% pa	7.05% pa
275,000	30 years	6.91% pa	7.03% pa
300,000	30 years	6.91% pa	7.02% pa

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

Rocket Investment Loan - Low Doc

Amount of loan	Term	Annual interest rate	Comparison rate
50,000	7 years	6.91% pa	8.12% pa
70,000	25 years	6.91% pa	7.40% pa
100,000	25 years	6.91% pa	7.25% pa
130,000	25 years	6.91% pa	7.17% pa
150,000	25 years	6.91% pa	7.14% pa
200,000	25 years	6.91% pa	7.08% pa
225,000	25 years	6.91% pa	7.06% pa
250,000	25 years	6.91% pa	7.05% pa
275,000	30 years	6.91% pa	7.03% pa
300,000	30 years	6.91% pa	7.02% pa

Variable Rate Investment Property Loan

Amount of loan	Term	Annual interest rate³	Comparison rate
10,000	3 years	6.91% pa	15.27% pa
15,000	4 years	6.91% pa	11.35% pa
20,000	4 years	6.91% pa	10.23% pa
25,000	5 years	6.91% pa	9.16% pa
30,000	5 years	6.91% pa	8.78% pa
50,000	7 years	6.91% pa	7.80% pa
70,000	25 years	6.91% pa	7.22% pa
100,000	25 years	6.91% pa	7.12% pa
130,000	25 years	6.91% pa	7.07% pa
150,000	25 years	6.91% pa	7.05% pa
200,000	25 years	6.91% pa	7.02% pa
225,000	25 years	6.91% pa	7.00% pa
250,000	25 years	6.91% pa	7.00% pa
275,000	30 years	6.91% pa	6.98% pa
300,000	30 years	6.91% pa	6.98% pa

3. For new business originated from 21 March 2005. A rate of 7.01% p.a. applies to loans originated prior to 21 March 2005.

Variable Rate Investment Property Loan - Low Doc

Amount of loan	Term	Annual interest rate⁴	Comparison rate
50,000	7 years	6.91% pa	7.80% pa
70,000	25 years	6.91% pa	7.22% pa
100,000	25 years	6.91% pa	7.12% pa
130,000	25 years	6.91% pa	7.07% pa
150,000	25 years	6.91% pa	7.05% pa
200,000	25 years	6.91% pa	7.02% pa
225,000	25 years	6.91% pa	7.00% pa
250,000	25 years	6.91% pa	7.00% pa
275,000	30 years	6.91% pa	6.98% pa
300,000	30 years	6.91% pa	6.98% pa

4. For new business originated from 21 March 2005. A rate of 7.01% pa applies to loans originated prior to 21 March 2005.

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	10.93% pa
20,000	4 years	See Note 12	9.81% pa
25,000	5 years	See Note 12	8.81% pa
30,000	5 years	See Note 12	8.44% pa
50,000	7 years	See Note 12	7.54% pa
70,000	25 years	See Note 12	7.12% pa
100,000	25 years	See Note 12	7.03% pa
130,000	25 years	See Note 12	6.98% pa
150,000	25 years	See Note 12	6.96% pa
200,000	25 years	See Note 12	6.92% pa
225,000	25 years	See Note 12	6.91% pa
250,000	25 years	See Note 12	6.90% pa
275,000	30 years	See Note 12	6.89% pa
300,000	30 years	See Note 12	6.89% pa

Note 12: 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 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	10.50% pa
20,000	4 years	See Note 13	9.38% pa
25,000	5 years	See Note 13	8.43% pa
30,000	5 years	See Note 13	8.05% pa
50,000	7 years	See Note 13	7.23% pa
70,000	25 years	See Note 13	6.99% pa
100,000	25 years	See Note 13	6.90% pa
130,000	25 years	See Note 13	6.85% pa
150,000	25 years	See Note 13	6.83% pa
200,000	25 years	See Note 13	6.79% pa
225,000	25 years	See Note 13	6.78% pa
250,000	25 years	See Note 13	6.77% pa
275,000	30 years	See Note 13	6.78% pa
300,000	30 years	See Note 13	6.77% pa

Note 13: 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 Rate Investment Property Loan - Low Doc (fixed interest for 3 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	See Note 14	10.21% pa
20,000	4 years	See Note 14	9.09% pa
25,000	5 years	See Note 14	8.13% pa
30,000	5 years	See Note 14	7.75% pa
50,000	7 years	See Note 14	6.96% pa
70,000	25 years	See Note 14	6.86% pa
100,000	25 years	See Note 14	6.77% pa
130,000	25 years	See Note 14	6.72% pa
150,000	25 years	See Note 14	6.70% pa
200,000	25 years	See Note 14	6.67% pa
225,000	25 years	See Note 14	6.65% pa
250,000	25 years	See Note 14	6.64% pa
275,000	30 years	See Note 14	6.67% pa
300,000	30 years	See Note 14	6.66% pa

Note 14: 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 Rate Investment Property Loan - Low Doc (fixed interest for 4 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.93% pa
20,000	4 years	6.49% pa	9.81% pa
25,000	5 years	See Note 15	8.76% pa
30,000	5 years	See Note 15	8.38% pa
50,000	7 years	See Note 15	7.45% pa
70,000	25 years	See Note 15	7.06% pa
100,000	25 years	See Note 15	6.97% pa
130,000	25 years	See Note 15	6.92% pa
150,000	25 years	See Note 15	6.90% pa
200,000	25 years	See Note 15	6.86% pa
225,000	25 years	See Note 15	6.85% pa
250,000	25 years	See Note 15	6.84% pa
275,000	30 years	See Note 15	6.84% pa
300,000	30 years	See Note 15	6.83% pa

Note 15: 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 Rate Investment Property Loan - Low Doc (fixed interest for 5 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.49% pa	10.93% pa
20,000	4 years	6.49% pa	9.81% pa
25,000	5 years	6.49% pa	8.74% pa
30,000	5 years	6.49% pa	8.37% pa
50,000	7 years	See Note 16	7.41% pa
70,000	25 years	See Note 16	7.03% pa
100,000	25 years	See Note 16	6.94% pa
130,000	25 years	See Note 16	6.89% pa
150,000	25 years	See Note 16	6.87% pa
200,000	25 years	See Note 16	6.83% pa
225,000	25 years	See Note 16	6.82% pa
250,000	25 years	See Note 16	6.81% pa
275,000	30 years	See Note 16	6.81% pa
300,000	30 years	See Note 16	6.81% pa

Note 16: 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 Rate Investment Property Loan - Low Doc (fixed interest for 6 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	See Note 17	7.88% pa
70,000	25 years	See Note 17	7.26% pa
100,000	25 years	See Note 17	7.17% pa
130,000	25 years	See Note 17	7.12% pa
150,000	25 years	See Note 17	7.09% pa
200,000	25 years	See Note 17	7.06% pa
225,000	25 years	See Note 17	7.05% pa
250,000	25 years	See Note 17	7.04% pa
275,000	30 years	See Note 17	7.02% pa
300,000	30 years	See Note 17	7.01% pa

Note 17: 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 Rate Investment Property Loan - Low Doc (fixed interest for 7 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	6.99% pa	7.88% pa
70,000	25 years	See Note 18	7.26% pa
100,000	25 years	See Note 18	7.17% pa
130,000	25 years	See Note 18	7.12% pa
150,000	25 years	See Note 18	7.10% pa
200,000	25 years	See Note 18	7.06% pa
225,000	25 years	See Note 18	7.05% pa
250,000	25 years	See Note 18	7.04% pa
275,000	30 years	See Note 18	7.02% pa
300,000	30 years	See Note 18	7.02% pa

Note 18: 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 Rate Investment Property Loan - Low Doc (fixed interest for 9 years)

Amount of loan	Term	Annual interest rate	Comparison rate
15,000	4 years	6.99% pa	11.43% pa
20,000	4 years	6.99% pa	10.31% pa
25,000	5 years	6.99% pa	9.24% pa
30,000	5 years	6.99% pa	8.86% pa
50,000	7 years	6.99% pa	7.88% pa
70,000	25 years	See Note 19	7.27% pa
100,000	25 years	See Note 19	7.18% pa
130,000	25 years	See Note 19	7.13% pa