Economy Variable Home Loan+ Clear Path Variable Home Loan+ 3 Year Fixed Rate Home Loan 2 Yr Intro Rate Variable Home Loan++
Owner Occupier Interest Rates
Principal and Interest 3.88% p.a. 4.56% p.a. 3.87% p.a.# See other fixed terms 3.59% p.a.
Comparison Rate 4.04% p.a. 4.69% p.a. 4.53% p.a. 4.19
Interest Only 4.44% p.a. 5.02% p.a. 4.49% p.a. 3.99% p.a.
Comparison Rate 4.27% p.a. 4.89% p.a. 4.69% p.a. n/a
Investor Interest Rates
Principal and Interest 4.24% p.a. 5.19% p.a. 4.14% p.a.# See other fixed terms n/a
Comparison Rate 4.39% p.a. 5.32% p.a. 5.06% p.a. n/a
Interest Only 4.74% p.a. 5.59% p.a. 4.49% p.a. 5.94% p.a.
Comparison Rate 4.60% p.a. 5.49% p.a. 5.15% p.a. n/a
Low Doc Option No No Yes No
Interest charged Monthly in arrears Monthly in arrears Monthly in arrears Calculated daily and charged monthly
Interest rate Variable Variable Fixed for 1-5 years* Variable
Interest only option Yes** Yes** Yes** Yes
Minimum loan amount No minimum No minimum No minimum $25,000
Maximum LVR 80% of property value for Owner Occupier and Investor 98% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest Lending) or 90% of the property value, excluding Lender's Mortgage Insurance* (Interest Only Lending) for Owner Occupiers

90% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest or Interest Only Lending) for Investors
^80% of property value for Owner Occupied (applies to discount rates offers only)

98% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest Lending) or 90% of the property value, excluding Lender's Mortgage Insurance* (Interest Only Lending) for Owner Occupiers

90% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest or Interest Only Lending) for Investors
80% of property value for Owner Occupier and Investor
Minimum loan term 1 year No minimum Fixed term n/a
Maximum interest only term 5 years 5 years Fixed term n/a
Maximum loan term 30 years 30 years 30 years n/a
Repayment type Principal and interest

Interest only**
Principal and interest

Interest only**
Principal and interest

Interest only**
Interest Only
Repayment frequency Weekly, fortnightly, monthly Weekly, fortnightly, monthly Weekly, fortnightly, monthly Flexible
Additional repayments Yes - unlimited Yes - unlimited Yes – up to $5,000 annually Yes - unlimited
Redraw Yes - min $100 Yes - min $100 No n/a
Mortgage Offset Facility personal customers only personal customers on 1 year term only n/a
ATM Access
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