¹ Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a higher comparison rate. All comparison rates are calculated with a nil offset balance. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in term to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance and so you may pay more interest over the life of the loan. For fixed rates, the comparison rate assumes a variable rate with LVR between 60.01-80% will apply at the end of the fixed period.

² Free through Internet banking.

³ Refer to the Loan Offset Facility Request/Variation form for terms and conditions - available upon request or application.

⁴ Reverts to LVR variable tier that applies at time of funding.

⁵ Early Repayment Fee payable when a loan is repaid by 20% or more during the fixed rate period.

⁶ Break Cost will be charged for an early termination of a fixed rate loan or the early repayment of that loan. For further details refer to the Schedule of Fees and Charges.