Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Bank AustraliaBasic Fixed (LVR <80%)  1 yr

3.79 NilNil P+I No 80%

Community First CUHoneymoon Fixed 1 yr

3.49 Nil600 Both Full 95%

Easy Street Fin ServicesHoneymoon Intro Fixed 1 yr

3.49 Nil500 P+I Full 95%

Freedom LendFreedom Fixed PI 1 yr

3.79 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 1 Year 1 yr

3.89 Nil500 Both Full 95%

G&C Mutual BankResiden al 1yr Fixed 1 yr

3.89 Nil500 Both Full 95%

Hume BankHoneymoon Intro Fixed (Refinance) 1 yr

3.99 NilNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed (Refinance) 1 yr 150k+ 3.89 375/aNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed 1 yr 150k+

3.89 375/aNil Both Full 97%

QT Mutual BankChoices Residen al Fixed 1 yr 20k+

3.69 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 1Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Regional Australia BankPartnership Advantage Fixed 1 yr

3.89 375.00/aNil Both Full 95%

Select Encompass Credit Union1 Year Fixed Home Loan 1 yr

3.74 NilNil Both Full 95%

Teachers Mutual BankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

UBankUHomeLoan Fixed IO 1 yr

3.69 Nil395 IO No 80%

UBankUHomeLoan Fixed PI 1 yr

3.69 Nil395 P+I No 80%

UniBankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

AussieSelect Basic Fixed 1 yr 80%

3.99 NilNil Both No 95%

Bank AustraliaPremium Fixed Package Residen al Fixed 1 yr 10k+

3.74 350/a595 P+I No 95%

Bank AustraliaResiden al Fixed 1 yr

3.89 Nil595 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 2Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

BankVicPremium Home Fixed 1 yr 50k+

3.87 375/aNil Both No 95%

Catalyst MoneyFixed Lite 1 yr

4.10 Nil607 Both Full 95%

Community First CUTrue Fixed 1 yr

3.79 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 1 yr

3.84 Nil795 Both No 95%

CUAPremium Fixed ‐ Owner Occupier 1 yr

4.06 Nil795 Both Full 95%

Gateway Credit UnionPremium Residen al Fixed 1 yr 150k+

3.73 299/a750 Both No 80%

Homestar FinanceOwner Occupied P&I Fixed 1 yr

3.84 Nil633 P+I Full 90%

HSBCResiden al Fixed 1 yr

3.85 Nil853 Both No 90%

Hume BankHoneymoon Intro Fixed 1 yr

3.99 Nil750 Both Full 97%

Illawarra CU NSWFixed Lite 1 yr

4.10 Nil607 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 3Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

loans.com.auFixed ‐ Owner Occupier 1 yr

3.89 Nil520 Both No 90%

MOVE ‐ People Driven BankingLockit 1 yr

3.89 Nil450 Both Full 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 1 yr

3.89 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 1 yr

3.89 NilNil Both No 95%

QT Mutual BankResiden al Fixed 1 yr

3.79 Nil600 Both No 95%

QT Mutual BankTeachers' Life Residen al Fixed 1 yr 20k+

3.69 25/m600 Both No 95%

Qudos BankFixed Rate 1 yr

3.89 NilNil Both No 95%

Teachers Mutual BankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

UniBankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 4Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 1 yr 3.79 300/a300 P+I No 95%

Adelaide BankSmartFix 1 yr

4.17 15.00/m495 Both Full 95%

AMP BankAffinity Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil295 Both No 90%

AMP BankSelect Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil895 Both No 90%

ANZBreakfree Residen al 1yr Fixed 1 yr 150k+

4.39 Nil160 Both Full 90%

AussieOp mizer Fixed IO 1 yr

4.44 NilNil IO No 95%

AussieOp mizer Fixed PI 1 yr

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 1 yr

4.19 198.00/aNil P+I No 95%

AussieSelect Standard Fixed 1 yr

3.99 15.00/mNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 5Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

B&E Personal BankingFixed Residen al FlexiChoice 1 yr 80%

4.29 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  1 yr 80%

4.19 10.00/m650 P+I No 95%

Bank of MelbourneAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Bank of SydneyExpect More Residen al Fixed 1 yr 100k+

4.09 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 1 yr

4.09 10.00/m780 Both No 90%

BankSAAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

BankVicFixed 1 yr

3.97 Nil600 Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 1 yr 200k+ 4.21 395/a250 Both Par al 90%

bcuFixed Rate Special Residen al 1 yr

3.70 495.00/a600 Both No 95%

bcuResiden al Fixed 1 yr

4.19 Nil600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 6Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bendigo BankResiden al Fixed 1 yr

4.54 10.00/mNil Both Par al 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 1 yr 1 yr 200k+

4.29 Nil595 Both Full 95%

Beyond BankResiden al Fixed 1 yr

4.44 Nil595 Both No 95%

Beyond BankResiden al Fixed 1 yr 1 yr

4.44 Nil595 Both Full 95%

Beyond BankTotal Home Loan Residen al Fixed 1 yr 1 yr 50k+

4.19 395/a595 Both Full 95%

CiMortgage Plus Standard Fixed P&I 1 yr 80% 150‐499k

4.04 350/a649 P+I No 90%

Click LoansThe Online Home Loan Fixed 1 yr

4.29 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 1 yr

4.29 198.00/a363 Both Full 95%

Commonwealth BankGuaranteed Intro Fixed 1 yr

4.39 8.00/m800 Both Full 95%

Commonwealth BankWealth Package Guaranteed Intro Fixed 1 yr 150k+

4.39 395/a595 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 7Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Commonwealth BankWealth Package Residen al Fixed 1 yr 150k+

4.39 395/a595 Both Par al 95%

Defence BankEssen als Fixed 1 yr

3.99 8.00/m970 Both No 95%

ECU AustraliaStandard Fixed 1 yr

4.09 Nil1020 Both No 95%

Gateway Credit UnionResiden al Fixed 1 yr

3.93 Nil750 Both No 80%

Heritage BankHome Advantage Residen al Fixed 1 yr 150k+

3.79 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 1 yr

3.79 8.00/m750 Both Par al 95%

Holiday Coast CUFixed N Easy 1 yr

3.99 8.00/m664 Both No 95%

HomeloansMoniPower Fixed 1 yr

4.51 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied PI 1 yr

4.18 198.00/a1056 P+I No 80%

Homestar FinanceOwner Occupied IO Fixed 1 yr

4.09 Nil633 IO Full 90%

Home Loans Star Ra ngs 2017 ‐ Page 8Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Horizon Credit UnionFixed Rate Home Loan 1 yr

3.99 Nil945 Both Full 95%

Hume BankProperty Package Residen al Fixed 1 yr 150k+

4.25 375/aNil Both No 97%

Hume BankResiden al Fixed (Refinance) 1 yr

4.35 NilNil Both No 97%

Hume BankResiden al Fixed 1 yr

4.35 Nil750 Both No 97%

Hunter UnitedFixed 1 yr

4.25 8.00/m350 P+I No 95%

IMBPla num Package Residen al Fixed 1 yr 90% 150k+

4.19 Nil324 Both No 90%

IMBResiden al Fixed 1 yr 90%

4.29 6.00/m769 Both No 95%

iMortgageFusion Fixed PI 80 1 yr

4.04 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 1 yr 150k+

4.09 199/a519 Both No 95%

ING DIRECTResiden al Fixed 1 yr

4.19 Nil519 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 9Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Liberty FinancialLiberty Fixed 1 yr

4.24 295.00/aNil Both Full 85%

MEFlexible Fixed OO Max 80 LVR 1 yr

3.89 Nil400 Both No 80%

MEMember Package Flexible Fixed OO Max 80 LVR 1 yr 40k+ 3.89 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 1 yr 100‐749k

4.17 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 1 yr

4.39 Nil610 Both No 95%

NABChoice Package Standard Fixed 1 yr 150k+

3.89 395/aNil Both No 95%

NABChoice Package Tailored Fixed ‐ IO 1 yr 150k+

3.89 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 1 yr 150k+

3.89 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 1 yr 150k+

3.89 750/aNil IO No 95%

NABStandard Fixed 1 yr

3.99 8.00/m600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 10Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

NABTailored Fixed ‐ IO 1 yr

3.99 8.00/m600 IO No 95%

Northern Inland CUFixed Rate Owner Occupied 1 yr

3.99 Nil930 P+I No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 1 yr 150k+

4.09 395/a150 Both No 95%

QBANKResiden al Fixed 1 yr

4.19 NilNil Both No 95%

Queenslanders CUFixed Rate P&I 1 yr

4.29 Nil595 P+I Full 95%

Reduce Home LoansHome Owners Dream 1 Yr Fixed 80 1 yr

4.09 Nil1164 Both Full 80%

Reduce Home LoansHome Owners High Lend 1 yr

4.17 Nil1164 Both No 90%

Regional Australia BankSteady Rate 1 yr

3.99 Nil250 P+I No 95%

RESI Mortgage CorpSmart Pro Fixed IO 1 yr 80%

4.17 Nil649 IO No 95%

RESI Mortgage CorpSmart Pro Fixed P&I 1 yr 80%

3.97 Nil649 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 11Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

SCUMy Life Residen al Fixed 1 yr 150k+

4.39 350/a473 Both No 95%

St.George BankAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Summerland Credit UnionStandard Fixed 1 yr

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 1 yr 150k+

3.69 375/aNil Both No 95%

The MacStandard Fixed 1 yr

4.29 Nil1463 Both No 95%

The MutualPremium Fixed 1 yr

4.09 Nil300 Both No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

WestpacPremier Advantage Fixed Op ons 1 yr 150k+

4.39 395/aNil Both No 95%

Yellow Brick RoadEmpower Fixed PI 1 yr

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 1 yr 100k+

4.19 Nil363 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 12Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

AMP BankBasic Fixed 1 yr

4.35 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 1 yr 100k+

4.35 349/aNil Both No 90%

ANZResiden al 1yr Fixed 1 yr

4.54 10.00/m760 Both Full 90%

Arab Bank AustraliaResiden al Fixed 1 yr

4.38 Nil250 Both No 95%

AussieOp mizer Plus Fixed IO 1 yr

4.44 198.00/aNil IO No 95%

Auswide BankFreedom Package Standard Fixed 1 yr 95% 150k+

4.44 395/aNil Both Full 95%

Auswide BankStandard Fixed 1 yr 95%

4.54 10.00/m600 Both Full 95%

Bank of MelbourneResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

BankwestFixed Rate Owner Occupied 1 yr

4.31 12.00/m545 Both Par al 90%

Home Loans Star Ra ngs 2017 ‐ Page 13Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bendigo BankBasic Fixed Owner Occupied 1 yr

4.54 10.00/m829 Both No 95%

BOQResiden al 1yr Fixed  1 yr

4.39 10.00/m450 Both Full 95%

CiMortgage Plus Standard Fixed IO 1 yr 80% 150‐m

4.09 350/a649 IO No 90%

CiStandard Fixed P&I 1 yr 50‐499k 80%

4.24 8.00/m649 P+I No 90%

Commonwealth BankResiden al Fixed 1 yr

4.54 8.00/m800 Both Par al 95%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 1 yr 5‐599k

4.60 375/a657 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 1 yr

4.43 198.00/a1056 IO No 80%

HomeloansUltra Plus Fixed PI 1 yr

4.04 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 1 yr

4.24 120.00/a363 IO No 80%

MyStateResiden al Fixed 1 yr 80%

4.29 Nil350 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 14Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

People's Choice Credit UnionResiden al Fixed 1 yr

4.24 8.00/m950 Both No 95%

RAMSFixed Rate P&I 1 yr

4.39 20.00/m870 P+I No 95%

SCUResiden al Fixed 1 yr

4.54 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 1 yr

4.54 8.00/m750 Both Full 95%

St.George BankResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Suncorp BankOwner Occupied Fixed 1 yr

4.04 10.00/m600 Both No 95%

The RockResiden al Fixed 1 yr 80%

4.29 5.00/m950 Both No 95%

The RockRockstar Package Residen al Fixed 1 yr 80% 150k+

4.29 350/aNil Both No 80%

WestpacFixed Op ons 1 yr

4.59 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed IO 1 yr

4.44 Nil363 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 15Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Yellow Brick RoadEmpower Package Empower Fixed IO 1 yr 100k+

4.44 Nil363 IO No 90%

AMP BankResiden al Classic Fixed 1 yr

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 1 yr 100k+

4.49 395/a780 Both No 90%

CiStandard Fixed IO 1 yr 50‐499k 80%

4.29 8.00/m649 IO No 90%

Delphi BankStandard Fixed 1 yr

4.54 6.00/m1020 Both No 90%

First Op on Credit UnionResiden al Fixed 1 yr

4.85 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 1 yr

4.24 120.00/a363 IO No 95%

RAMSFixed Rate IO 1 yr

4.49 20.00/m870 IO No 95%

Transport Mutual Credit UnionResiden al Fixed 1 yr

5.04 Nil1010 P+I Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 16Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Woolworths Employees CUOwner Occupied Fixed 1 yr

4.84 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 17Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Community First CUHoneymoon Fixed 1 yr

3.49 Nil600 Both Full 95%

Easy Street Fin ServicesHoneymoon Intro Fixed 1 yr

3.49 Nil500 P+I Full 95%

Freedom LendFreedom Fixed PI 1 yr

3.79 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 1 Year 1 yr

3.89 Nil500 Both Full 95%

G&C Mutual BankResiden al 1yr Fixed 1 yr

3.89 Nil500 Both Full 95%

Hume BankHoneymoon Intro Fixed (Refinance) 1 yr

3.99 NilNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed (Refinance) 1 yr 150k+ 3.89 375/aNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed 1 yr 150k+

3.89 375/aNil Both Full 97%

QT Mutual BankChoices Residen al Fixed 1 yr 20k+

3.69 395/aNil Both No 95%

QT Mutual BankTeachers' Life Residen al Fixed 1 yr 20k+

3.69 25/m600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 18Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Regional Australia BankPartnership Advantage Fixed 1 yr

3.89 375.00/aNil Both Full 95%

Select Encompass Credit Union1 Year Fixed Home Loan 1 yr

3.74 NilNil Both Full 95%

Teachers Mutual BankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

UBankUHomeLoan Fixed IO 1 yr

3.69 Nil395 IO No 80%

UBankUHomeLoan Fixed PI 1 yr

3.69 Nil395 P+I No 80%

UniBankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

AMO GroupResiden al Fixed 1 yr

3.77 120.00/a1180 Both No 95%

Bank AustraliaBasic Fixed (LVR <80%)  1 yr

3.79 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 1 yr 10k+

3.74 350/a595 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 19Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank AustraliaResiden al Fixed 1 yr

3.89 Nil595 P+I No 95%

BankVicPremium Home Fixed 1 yr 50k+

3.87 375/aNil Both No 95%

bcuFixed Rate Special Residen al 1 yr

3.70 495.00/a600 Both No 95%

Catalyst MoneyFixed 1 yr

4.10 Nil607 Both Full 95%

Community First CUTrue Fixed 1 yr

3.79 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 1 yr

3.84 Nil795 Both No 95%

CUAPremium Fixed ‐ Owner Occupier 1 yr

4.06 Nil795 Both Full 95%

Gateway Credit UnionPremium Residen al Fixed 1 yr 150k+

3.73 299/a750 Both No 80%

Homestar FinanceOwner Occupied P&I Fixed 1 yr

3.84 Nil633 P+I Full 90%

Hume BankHoneymoon Intro Fixed 1 yr

3.99 Nil750 Both Full 97%

Home Loans Star Ra ngs 2017 ‐ Page 20Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Illawarra CU NSWFixed 1 yr

4.10 Nil607 Both Full 95%

loans.com.auFixed ‐ Owner Occupier 1 yr

3.89 Nil520 Both No 90%

MOVE ‐ People Driven BankingLockit 1 yr

3.89 Nil450 Both Full 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 1 yr

3.89 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 1 yr

3.89 NilNil Both No 95%

QT Mutual BankResiden al Fixed 1 yr

3.79 Nil600 Both No 95%

Qudos BankFixed Rate 1 yr

3.89 NilNil Both No 95%

Queenslanders CUSpecial Fixed Rate P&I 1 yr

3.93 Nil595 P+I Full 90%

Teachers Mutual BankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

UniBankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 21Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 1 yr 3.79 300/a300 P+I No 95%

Adelaide BankSmartFix 1 yr

4.17 15.00/m495 Both Full 95%

ANZBreakfree Residen al 1yr Fixed 1 yr 150k+

4.39 Nil160 Both Full 90%

AussieOp mizer Fixed IO 1 yr

4.44 NilNil IO No 95%

AussieOp mizer Fixed PI 1 yr

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 1 yr

4.19 198.00/aNil P+I No 95%

AussieSelect Basic Fixed 1 yr 80%

3.99 NilNil Both No 95%

AussieSelect Standard Fixed 1 yr

3.99 15.00/mNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 22Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

B&E Personal BankingFixed Residen al FlexiChoice 1 yr 80%

4.29 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  1 yr 80%

4.19 10.00/m650 P+I No 95%

Bank of MelbourneAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Bank of SydneyExpect More Residen al Fixed 1 yr 100k+

4.09 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 1 yr

4.09 10.00/m780 Both No 90%

BankSAAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

BankVicFixed 1 yr

3.97 Nil600 Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 1 yr 200k+ 4.21 395/a250 Both Par al 90%

BankwestFixed Rate Owner Occupied 1 yr

4.31 12.00/m545 Both Par al 90%

bcuResiden al Fixed 1 yr

4.19 Nil600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 23Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bendigo BankConnect Package Fixed Owner Occupied 1 yr 250k+

4.39 20/m250 Both Full 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 1 yr 1 yr 200k+

4.29 Nil595 Both Full 95%

Beyond BankResiden al Fixed 1 yr

4.44 Nil595 Both No 95%

Beyond BankResiden al Fixed 1 yr 1 yr

4.44 Nil595 Both Full 95%

Beyond BankTotal Home Loan Residen al Fixed 1 yr 1 yr 50k+

4.19 395/a595 Both Full 95%

CiMortgage Plus Standard Fixed P&I 1 yr 80% 150‐499k

4.04 350/a649 P+I No 90%

Click LoansThe Online Home Loan Fixed 1 yr

4.29 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 1 yr

4.29 198.00/a363 Both Full 95%

Commonwealth BankGuaranteed Intro Fixed 1 yr

4.39 8.00/m800 Both Full 95%

Commonwealth BankWealth Package Guaranteed Intro Fixed 1 yr 150k+

4.39 395/a595 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 24Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Commonwealth BankWealth Package Residen al Fixed 1 yr 150k+

4.39 395/a595 Both Par al 95%

Defence BankEssen als Fixed 1 yr

3.99 8.00/m970 Both No 95%

ECU AustraliaStandard Fixed 1 yr

4.09 Nil1020 Both No 95%

Gateway Credit UnionResiden al Fixed 1 yr

3.93 Nil750 Both No 80%

Heritage BankHome Advantage Residen al Fixed 1 yr 150k+

3.79 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 1 yr

3.79 8.00/m750 Both Par al 95%

Holiday Coast CUFixed N Easy 1 yr

3.99 8.00/m664 Both No 95%

HomeloansMoniPower Fixed 1 yr

4.51 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied PI 1 yr

4.18 198.00/a1056 P+I No 80%

Homestar FinanceOwner Occupied IO Fixed 1 yr

4.09 Nil633 IO Full 90%

Home Loans Star Ra ngs 2017 ‐ Page 25Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Horizon Credit UnionFixed Rate Home Loan 1 yr

3.99 Nil945 Both Full 95%

HSBCResiden al Fixed 1 yr

3.85 Nil853 Both No 90%

Hume BankProperty Package Residen al Fixed 1 yr 150k+

4.25 375/aNil Both No 97%

Hume BankResiden al Fixed (Refinance) 1 yr

4.35 NilNil Both No 97%

Hume BankResiden al Fixed 1 yr

4.35 Nil750 Both No 97%

Hunter UnitedFixed 1 yr

4.25 8.00/m350 P+I No 95%

IMBPla num Package Residen al Fixed 1 yr 90% 150k+

4.19 Nil324 Both No 90%

IMBResiden al Fixed 1 yr 90%

4.29 6.00/m769 Both No 95%

iMortgageFusion Fixed PI 80 1 yr

4.04 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 1 yr 150k+

4.09 199/a519 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 26Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

ING DIRECTResiden al Fixed 1 yr

4.19 Nil519 Both No 95%

Liberty FinancialLiberty Fixed 1 yr

4.24 295.00/aNil Both Full 85%

MEFlexible Fixed OO Max 80 LVR 1 yr

3.89 Nil400 Both No 80%

MEMember Package Flexible Fixed OO Max 80 LVR 1 yr 40k+ 3.89 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 1 yr 100‐749k

4.17 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 1 yr

4.39 Nil610 Both No 95%

NABChoice Package Standard Fixed 1 yr 150k+

3.89 395/aNil Both No 95%

NABChoice Package Tailored Fixed ‐ IO 1 yr 150k+

3.89 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 1 yr 150k+

3.89 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 1 yr 150k+

3.89 750/aNil IO No 95%

Home Loans Star Ra ngs 2017 ‐ Page 27Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

NABStandard Fixed 1 yr

3.99 8.00/m600 Both No 95%

NABTailored Fixed ‐ IO 1 yr

3.99 8.00/m600 IO No 95%

Northern Inland CUFixed Rate Owner Occupied 1 yr

3.99 Nil930 P+I No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 1 yr 150k+

4.09 395/a150 Both No 95%

People's Choice Credit UnionResiden al Fixed 1 yr

4.24 8.00/m950 Both No 95%

QBANKResiden al Fixed 1 yr

4.19 NilNil Both No 95%

Queenslanders CUFixed Rate P&I 1 yr

4.29 Nil595 P+I Full 95%

Reduce Home LoansHome Owners Dream 1 Yr Fixed 80 1 yr

4.09 Nil1164 Both Full 80%

Reduce Home LoansHome Owners High Lend 1 yr

4.17 Nil1164 Both No 90%

Regional Australia BankSteady Rate 1 yr

3.99 Nil250 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 28Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

RESI Mortgage CorpFlexi Op ons Fixed 1 yr

4.42 Nil854 Both Full 95%

RESI Mortgage CorpSmart Pro Fixed IO 1 yr 80%

4.17 Nil649 IO No 95%

RESI Mortgage CorpSmart Pro Fixed P&I 1 yr 80%

3.97 Nil649 P+I No 95%

SCUMy Life Residen al Fixed 1 yr 150k+

4.39 350/a473 Both No 95%

St.George BankAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Summerland Credit UnionStandard Fixed 1 yr

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 1 yr 150k+

3.69 375/aNil Both No 95%

The MacStandard Fixed 1 yr

4.29 Nil1463 Both No 95%

The MutualPremium Fixed 1 yr

4.09 Nil300 Both No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 29Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

WestpacPremier Advantage Fixed Op ons 1 yr 150k+

4.39 395/aNil Both No 95%

Yellow Brick RoadEmpower Fixed PI 1 yr

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 1 yr 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil295 Both No 90%

AMP BankBasic Fixed 1 yr

4.35 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 1 yr 100k+

4.35 349/aNil Both No 90%

AMP BankSelect Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil895 Both No 90%

ANZResiden al 1yr Fixed 1 yr

4.54 10.00/m760 Both Full 90%

Arab Bank AustraliaResiden al Fixed 1 yr

4.38 Nil250 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 30Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

AussieOp mizer Plus Fixed IO 1 yr

4.44 198.00/aNil IO No 95%

Auswide BankFreedom Package Standard Fixed 1 yr 95% 150k+

4.44 395/aNil Both Full 95%

Auswide BankStandard Fixed 1 yr 95%

4.54 10.00/m600 Both Full 95%

Bank of MelbourneResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Bendigo BankBasic Fixed Owner Occupied 1 yr

4.54 10.00/m829 Both No 95%

Bendigo BankResiden al Fixed 1 yr

4.54 10.00/mNil Both Par al 95%

BOQResiden al 1yr Fixed  1 yr

4.39 10.00/m450 Both Full 95%

CiMortgage Plus Standard Fixed IO 1 yr 80% 150‐m

4.09 350/a649 IO No 90%

CiStandard Fixed P&I 1 yr 50‐499k 80%

4.24 8.00/m649 P+I No 90%

Home Loans Star Ra ngs 2017 ‐ Page 31Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Commonwealth BankResiden al Fixed 1 yr

4.54 8.00/m800 Both Par al 95%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 1 yr 5‐599k

4.60 375/a657 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 1 yr

4.43 198.00/a1056 IO No 80%

HomeloansUltra Plus Fixed PI 1 yr

4.04 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 1 yr

4.24 120.00/a363 IO No 80%

MyStateResiden al Fixed 1 yr 80%

4.29 Nil350 Both No 95%

RAMSFixed Rate IO 1 yr

4.49 20.00/m870 IO No 95%

RAMSFixed Rate P&I 1 yr

4.39 20.00/m870 P+I No 95%

SCUResiden al Fixed 1 yr

4.54 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 1 yr

4.54 8.00/m750 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 32Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Suncorp BankOwner Occupied Fixed 1 yr

4.04 10.00/m600 Both No 95%

The RockResiden al Fixed 1 yr 80%

4.29 5.00/m950 Both No 95%

The RockRockstar Package Residen al Fixed 1 yr 80% 150k+

4.29 350/aNil Both No 80%

WestpacFixed Op ons 1 yr

4.59 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed IO 1 yr

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 1 yr 100k+

4.44 Nil363 IO No 90%

AMP BankResiden al Classic Fixed 1 yr

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 1 yr 100k+

4.49 395/a780 Both No 90%

CiStandard Fixed IO 1 yr 50‐499k 80%

4.29 8.00/m649 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 33Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Delphi BankStandard Fixed 1 yr

4.54 6.00/m1020 Both No 90%

First Op on Credit UnionResiden al Fixed 1 yr

4.85 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 1 yr

4.24 120.00/a363 IO No 95%

St.George BankResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Transport Mutual Credit UnionResiden al Fixed 1 yr

5.04 Nil1010 P+I Full 95%

Woolworths Employees CUOwner Occupied Fixed 1 yr

4.84 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 34Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Community First CUHoneymoon Fixed 1 yr

3.49 Nil600 Both Full 95%

Easy Street Fin ServicesHoneymoon Intro Fixed 1 yr

3.49 Nil500 P+I Full 95%

Freedom LendFreedom Fixed PI 1 yr

3.79 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 1 Year 1 yr

3.89 Nil500 Both Full 95%

G&C Mutual BankResiden al 1yr Fixed 1 yr

3.89 Nil500 Both Full 95%

Hume BankHoneymoon Intro Fixed (Refinance) 1 yr

3.99 NilNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed (Refinance) 1 yr 150k+ 3.89 375/aNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed 1 yr 150k+

3.89 375/aNil Both Full 97%

QT Mutual BankChoices Residen al Fixed 1 yr 20k+

3.69 395/aNil Both No 95%

QT Mutual BankTeachers' Life Residen al Fixed 1 yr 20k+

3.69 25/m600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 35Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Regional Australia BankPartnership Advantage Fixed 1 yr

3.89 375.00/aNil Both Full 95%

Select Encompass Credit Union1 Year Fixed Home Loan 1 yr

3.74 NilNil Both Full 95%

Teachers Mutual BankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

UBankUHomeLoan Fixed IO 1 yr

3.69 Nil395 IO No 80%

UBankUHomeLoan Fixed PI 1 yr

3.69 Nil395 P+I No 80%

UniBankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

AMO GroupResiden al Fixed 1 yr

3.77 120.00/a1180 Both No 95%

Bank AustraliaBasic Fixed (LVR <80%)  1 yr

3.79 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 1 yr 10k+

3.74 350/a595 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 36Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank AustraliaResiden al Fixed 1 yr

3.89 Nil595 P+I No 95%

BankVicPremium Home Fixed 1 yr 50k+

3.87 375/aNil Both No 95%

bcuFixed Rate Special Residen al 1 yr

3.70 495.00/a600 Both No 95%

Catalyst MoneyFixed 1 yr

4.10 Nil607 Both Full 95%

Community First CUTrue Fixed 1 yr

3.79 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 1 yr

3.84 Nil795 Both No 95%

CUAPremium Fixed ‐ Owner Occupier 1 yr

4.06 Nil795 Both Full 95%

Gateway Credit UnionPremium Residen al Fixed 1 yr 150k+

3.73 299/a750 Both No 80%

Hume BankHoneymoon Intro Fixed 1 yr

3.99 Nil750 Both Full 97%

Illawarra CU NSWFixed 1 yr

4.10 Nil607 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 37Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

loans.com.auFixed ‐ Owner Occupier 1 yr

3.89 Nil520 Both No 90%

MOVE ‐ People Driven BankingLockit 1 yr

3.89 Nil450 Both Full 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 1 yr

3.89 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 1 yr

3.89 NilNil Both No 95%

QT Mutual BankResiden al Fixed 1 yr

3.79 Nil600 Both No 95%

Qudos BankFixed Rate 1 yr

3.89 NilNil Both No 95%

Queenslanders CUSpecial Fixed Rate P&I 1 yr

3.93 Nil595 P+I Full 90%

Teachers Mutual BankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

UniBankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 38Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 1 yr 3.79 300/a300 P+I No 95%

Adelaide BankSmartFix 1 yr

4.17 15.00/m495 Both Full 95%

ANZBreakfree Residen al 1yr Fixed 1 yr 150k+

4.39 Nil160 Both Full 90%

AussieOp mizer Fixed PI 1 yr

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 1 yr

4.19 198.00/aNil P+I No 95%

AussieSelect Basic Fixed 1 yr 80%

3.99 NilNil Both No 95%

AussieSelect Standard Fixed 1 yr

3.99 15.00/mNil Both No 95%

B&E Personal BankingFixed Residen al FlexiChoice 1 yr 80%

4.29 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  1 yr 80%

4.19 10.00/m650 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 39Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank of MelbourneAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Bank of SydneyExpect More Residen al Fixed 1 yr 100k+

4.09 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 1 yr

4.09 10.00/m780 Both No 90%

BankSAAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

BankVicFixed 1 yr

3.97 Nil600 Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 1 yr 200k+ 4.21 395/a250 Both Par al 90%

BankwestFixed Rate Owner Occupied 1 yr

4.31 12.00/m545 Both Par al 90%

bcuResiden al Fixed 1 yr

4.19 Nil600 Both No 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 1 yr 1 yr 200k+

4.29 Nil595 Both Full 95%

Beyond BankResiden al Fixed 1 yr

4.44 Nil595 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 40Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Beyond BankResiden al Fixed 1 yr 1 yr

4.44 Nil595 Both Full 95%

Beyond BankTotal Home Loan Residen al Fixed 1 yr 1 yr 50k+

4.19 395/a595 Both Full 95%

CiMortgage Plus Standard Fixed P&I 1 yr 80% 500k+

3.99 350/a649 P+I No 90%

Click LoansThe Online Home Loan Fixed 1 yr

4.29 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 1 yr

4.29 198.00/a363 Both Full 95%

Commonwealth BankGuaranteed Intro Fixed 1 yr

4.39 8.00/m800 Both Full 95%

Commonwealth BankWealth Package Guaranteed Intro Fixed 1 yr 150k+

4.39 395/a595 Both Full 95%

Commonwealth BankWealth Package Residen al Fixed 1 yr 150k+

4.39 395/a595 Both Par al 95%

Defence BankEssen als Fixed 1 yr

3.99 8.00/m970 Both No 95%

ECU AustraliaStandard Fixed 1 yr

4.09 Nil1020 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 41Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Gateway Credit UnionResiden al Fixed 1 yr

3.93 Nil750 Both No 80%

Heritage BankHome Advantage Residen al Fixed 1 yr 150k+

3.79 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 1 yr

3.79 8.00/m750 Both Par al 95%

Holiday Coast CUFixed N Easy 1 yr

3.99 8.00/m664 Both No 95%

HomeloansMoniPower Fixed 1 yr

4.51 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 1 yr

4.43 198.00/a1056 IO No 80%

HomeloansOp ma Fixed ‐ Owner Occupied PI 1 yr

4.18 198.00/a1056 P+I No 80%

Horizon Credit UnionFixed Rate Home Loan 1 yr

3.99 Nil945 Both Full 95%

HSBCPremier Residen al Fixed 1 yr 500k+

3.85 Nil553 Both No 90%

HSBCResiden al Fixed 1 yr

3.85 Nil853 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 42Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Hume BankProperty Package Residen al Fixed 1 yr 150k+

4.25 375/aNil Both No 97%

Hume BankResiden al Fixed (Refinance) 1 yr

4.35 NilNil Both No 97%

Hume BankResiden al Fixed 1 yr

4.35 Nil750 Both No 97%

Hunter UnitedFixed 1 yr

4.25 8.00/m350 P+I No 95%

IMBPla num Package Residen al Fixed 1 yr 90% 150k+

4.19 Nil324 Both No 90%

IMBResiden al Fixed 1 yr 90%

4.29 6.00/m769 Both No 95%

iMortgageFusion Fixed PI 80 1 yr

4.04 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 1 yr 150k+

4.09 199/a519 Both No 95%

ING DIRECTResiden al Fixed 1 yr

4.19 Nil519 Both No 95%

Liberty FinancialLiberty Fixed 1 yr

4.24 295.00/aNil Both Full 85%

Home Loans Star Ra ngs 2017 ‐ Page 43Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

MEFlexible Fixed OO Max 80 LVR 1 yr

3.89 Nil400 Both No 80%

MEMember Package Flexible Fixed OO Max 80 LVR 1 yr 40k+ 3.89 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 1 yr 100‐749k

4.17 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 1 yr

4.39 Nil610 Both No 95%

NABChoice Package Standard Fixed 1 yr 150k+

3.89 395/aNil Both No 95%

NABChoice Package Tailored Fixed ‐ IO 1 yr 150k+

3.89 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 1 yr 150k+

3.89 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 1 yr 150k+

3.89 750/aNil IO No 95%

NABStandard Fixed 1 yr

3.99 8.00/m600 Both No 95%

NABTailored Fixed ‐ IO 1 yr

3.99 8.00/m600 IO No 95%

Home Loans Star Ra ngs 2017 ‐ Page 44Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Northern Inland CUFixed Rate Owner Occupied 1 yr

3.99 Nil930 P+I No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 1 yr 150k+

4.09 395/a150 Both No 95%

People's Choice Credit UnionResiden al Fixed 1 yr

4.24 8.00/m950 Both No 95%

QBANKResiden al Fixed 1 yr

4.19 NilNil Both No 95%

Queenslanders CUFixed Rate P&I 1 yr

4.29 Nil595 P+I Full 95%

Reduce Home LoansHome Owners Dream 1 Yr Fixed 80 1 yr

4.09 Nil1164 Both Full 80%

Reduce Home LoansHome Owners High Lend 1 yr

4.17 Nil1164 Both No 90%

Regional Australia BankSteady Rate 1 yr

3.99 Nil250 P+I No 95%

RESI Mortgage CorpFlexi Op ons Fixed 1 yr

4.42 Nil854 Both Full 95%

RESI Mortgage CorpSmart Pro Fixed IO 1 yr 80%

4.17 Nil649 IO No 95%

Home Loans Star Ra ngs 2017 ‐ Page 45Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

RESI Mortgage CorpSmart Pro Fixed P&I 1 yr 80%

3.97 Nil649 P+I No 95%

SCUMy Life Residen al Fixed 1 yr 150k+

4.39 350/a473 Both No 95%

Southern Cross Credit UnionFixed Pla num Home Loan 1 yr

4.29 400.00/a425 Both No 95%

St.George BankAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Summerland Credit UnionStandard Fixed 1 yr

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 1 yr 150k+

3.69 375/aNil Both No 95%

The MacStandard Fixed 1 yr

4.29 Nil1463 Both No 95%

The MutualPremium Fixed 1 yr

4.09 Nil300 Both No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

WestpacPremier Advantage Fixed Op ons 1 yr 150k+

4.39 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 46Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Yellow Brick RoadEmpower Fixed PI 1 yr

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 1 yr 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil295 Both No 90%

AMP BankBasic Fixed 1 yr

4.35 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 1 yr 100k+

4.35 349/aNil Both No 90%

AMP BankSelect Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil895 Both No 90%

ANZResiden al 1yr Fixed 1 yr

4.54 10.00/m760 Both Full 90%

Arab Bank AustraliaResiden al Fixed 1 yr

4.38 Nil250 Both No 95%

AussieOp mizer Fixed IO 1 yr

4.44 NilNil IO No 95%

Home Loans Star Ra ngs 2017 ‐ Page 47Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

AussieOp mizer Plus Fixed IO 1 yr

4.44 198.00/aNil IO No 95%

Auswide BankFreedom Package Standard Fixed 1 yr 95% 150k+

4.44 395/aNil Both Full 95%

Auswide BankStandard Fixed 1 yr 95%

4.54 10.00/m600 Both Full 95%

Bank of MelbourneResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Bendigo BankBasic Fixed Owner Occupied 1 yr

4.54 10.00/m829 Both No 95%

Bendigo BankResiden al Fixed 1 yr

4.54 10.00/mNil Both Par al 95%

BOQResiden al 1yr Fixed  1 yr

4.39 10.00/m450 Both Full 95%

CiMortgage Plus Standard Fixed IO 1 yr 80% 500k+

4.04 350/a649 IO No 90%

CiStandard Fixed P&I 1 yr 500k+ 80%

4.19 8.00/m649 P+I No 90%

Home Loans Star Ra ngs 2017 ‐ Page 48Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Commonwealth BankResiden al Fixed 1 yr

4.54 8.00/m800 Both Par al 95%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 1 yr 5‐599k

4.60 375/a657 Both Full 95%

HomeloansUltra Plus Fixed PI 1 yr

4.04 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 1 yr

4.24 120.00/a363 IO No 80%

MyStateResiden al Fixed 1 yr 80%

4.29 Nil350 Both No 95%

RAMSFixed Rate IO 1 yr

4.49 20.00/m870 IO No 95%

RAMSFixed Rate P&I 1 yr

4.39 20.00/m870 P+I No 95%

SCUResiden al Fixed 1 yr

4.54 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 1 yr

4.54 8.00/m750 Both Full 95%

Suncorp BankOwner Occupied Fixed 1 yr

4.04 10.00/m600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 49Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

The RockResiden al Fixed 1 yr 80%

4.29 5.00/m950 Both No 95%

The RockRockstar Package Residen al Fixed 1 yr 80% 150k+

4.29 350/aNil Both No 80%

WestpacFixed Op ons 1 yr

4.59 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed IO 1 yr

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 1 yr 100k+

4.44 Nil363 IO No 90%

AMP BankResiden al Classic Fixed 1 yr

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 1 yr 100k+

4.49 395/a780 Both No 90%

CiStandard Fixed IO 1 yr 500k+ 80%

4.24 8.00/m649 IO No 90%

Delphi BankStandard Fixed 1 yr

4.54 6.00/m1020 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 50Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

First Op on Credit UnionResiden al Fixed 1 yr

4.85 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 1 yr

4.24 120.00/a363 IO No 95%

St.George BankResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Transport Mutual Credit UnionResiden al Fixed 1 yr

5.04 Nil1010 P+I Full 95%

Woolworths Employees CUOwner Occupied Fixed 1 yr

4.84 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 51Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Community First CUHoneymoon Fixed 1 yr

3.49 Nil600 Both Full 95%

Easy Street Fin ServicesHoneymoon Intro Fixed 1 yr

3.49 Nil500 P+I Full 95%

Freedom LendFreedom Fixed PI 1 yr

3.79 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 1 Year 1 yr

3.89 Nil500 Both Full 95%

G&C Mutual BankResiden al 1yr Fixed 1 yr

3.89 Nil500 Both Full 95%

Hume BankHoneymoon Intro Fixed (Refinance) 1 yr

3.99 NilNil Both Full 97%

Hume BankHoneymoon Intro Fixed 1 yr

3.99 Nil750 Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed (Refinance) 1 yr 150k+ 3.89 375/aNil Both Full 97%

Hume BankProperty Package Honeymoon Intro Fixed 1 yr 150k+

3.89 375/aNil Both Full 97%

QT Mutual BankChoices Residen al Fixed 1 yr 20k+

3.69 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 52Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

QT Mutual BankTeachers' Life Residen al Fixed 1 yr 20k+

3.69 25/m600 Both No 95%

Regional Australia BankPartnership Advantage Fixed 1 yr

3.89 375.00/aNil Both Full 95%

Select Encompass Credit Union1 Year Fixed Home Loan 1 yr

3.74 NilNil Both Full 95%

Teachers Mutual BankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

UBankUHomeLoan Fixed PI 1 yr

3.69 Nil395 P+I No 80%

UniBankFixed Rate 1 yr

3.77 Nil750 P+I Full 95%

AMO GroupResiden al Fixed 1 yr

3.77 120.00/a1180 Both No 95%

Bank AustraliaBasic Fixed (LVR <80%)  1 yr

3.79 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 1 yr 10k+

3.74 350/a595 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 53Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank AustraliaResiden al Fixed 1 yr

3.89 Nil595 P+I No 95%

BankVicPremium Home Fixed 1 yr 50k+

3.87 375/aNil Both No 95%

bcuFixed Rate Special Residen al 1 yr

3.70 495.00/a600 Both No 95%

Catalyst MoneyFixed 1 yr

4.10 Nil607 Both Full 95%

Community First CUTrue Fixed 1 yr

3.79 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 1 yr

3.84 Nil795 Both No 95%

CUAPremium Fixed ‐ Owner Occupier 1 yr

4.06 Nil795 Both Full 95%

Gateway Credit UnionPremium Residen al Fixed 1 yr 150k+

3.73 299/a750 Both No 80%

Illawarra CU NSWFixed 1 yr

4.10 Nil607 Both Full 95%

loans.com.auFixed ‐ Owner Occupier 1 yr

3.89 Nil520 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 54Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Mortgage HouseAdvantage Fixed 1 yr 750k+

4.17 10.00/m895 Both Full 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 1 yr

3.89 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 1 yr

3.89 NilNil Both No 95%

QT Mutual BankResiden al Fixed 1 yr

3.79 Nil600 Both No 95%

Qudos BankFixed Rate 1 yr

3.89 NilNil Both No 95%

Queenslanders CUSpecial Fixed Rate P&I 1 yr

3.93 Nil595 P+I Full 90%

Teachers Mutual BankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

UBankUHomeLoan Fixed IO 1 yr

3.69 Nil395 IO No 80%

UniBankStandard Fixed IO 1 yr

3.77 Nil750 IO Full 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 55Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 1 yr 3.79 300/a300 P+I No 95%

Adelaide BankSmartFix 1 yr

4.17 15.00/m495 Both Full 95%

ANZBreakfree Residen al 1yr Fixed 1 yr 150k+

4.39 Nil160 Both Full 90%

AussieOp mizer Fixed PI 1 yr

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 1 yr

4.19 198.00/aNil P+I No 95%

AussieSelect Basic Fixed 1 yr 80%

3.99 NilNil Both No 95%

AussieSelect Standard Fixed 1 yr

3.99 15.00/mNil Both No 95%

B&E Personal BankingFixed Residen al FlexiChoice 1 yr 80%

4.29 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  1 yr 80%

4.19 10.00/m650 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 56Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank of MelbourneAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Bank of SydneyExpect More Residen al Fixed 1 yr 100k+

4.09 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 1 yr

4.09 10.00/m780 Both No 90%

BankSAAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

BankVicFixed 1 yr

3.97 Nil600 Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 1 yr 200k+ 4.21 395/a250 Both Par al 90%

BankwestFixed Rate Owner Occupied 1 yr

4.31 12.00/m545 Both Par al 90%

bcuResiden al Fixed 1 yr

4.19 Nil600 Both No 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 1 yr 1 yr 200k+

4.29 Nil595 Both Full 95%

Beyond BankResiden al Fixed 1 yr

4.44 Nil595 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 57Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Beyond BankResiden al Fixed 1 yr 1 yr

4.44 Nil595 Both Full 95%

Beyond BankTotal Home Loan Residen al Fixed 1 yr 1 yr 50k+

4.19 395/a595 Both Full 95%

CiMortgage Plus Standard Fixed P&I 1 yr 80% 500k+

3.99 350/a649 P+I No 90%

Click LoansThe Online Home Loan Fixed 1 yr

4.29 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 1 yr

4.29 198.00/a363 Both Full 95%

Commonwealth BankGuaranteed Intro Fixed 1 yr

4.39 8.00/m800 Both Full 95%

Commonwealth BankWealth Package Guaranteed Intro Fixed 1 yr 150k+

4.39 395/a595 Both Full 95%

Commonwealth BankWealth Package Residen al Fixed 1 yr 150k+

4.39 395/a595 Both Par al 95%

Defence BankEssen als Fixed 1 yr

3.99 8.00/m970 Both No 95%

ECU AustraliaStandard Fixed 1 yr

4.09 Nil1020 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 58Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

First Op on Credit UnionPackaged Home Loan Residen al Fixed 1 yr 600k+

4.45 375/a657 Both Full 95%

Gateway Credit UnionResiden al Fixed 1 yr

3.93 Nil750 Both No 80%

Heritage BankHome Advantage Residen al Fixed 1 yr 150k+

3.79 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 1 yr

3.79 8.00/m750 Both Par al 95%

Holiday Coast CUFixed N Easy 1 yr

3.99 8.00/m664 Both No 95%

HomeloansMoniPower Fixed 1 yr

4.51 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 1 yr

4.43 198.00/a1056 IO No 80%

HomeloansOp ma Fixed ‐ Owner Occupied PI 1 yr

4.18 198.00/a1056 P+I No 80%

Horizon Credit UnionFixed Rate Home Loan 1 yr

3.99 Nil945 Both Full 95%

HSBCPremier Residen al Fixed 1 yr 500k+

3.85 Nil553 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 59Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

HSBCResiden al Fixed 1 yr

3.85 Nil853 Both No 90%

Hume BankProperty Package Residen al Fixed 1 yr 150k+

4.25 375/aNil Both No 97%

Hume BankResiden al Fixed (Refinance) 1 yr

4.35 NilNil Both No 97%

Hume BankResiden al Fixed 1 yr

4.35 Nil750 Both No 97%

Hunter UnitedFixed 1 yr

4.25 8.00/m350 P+I No 95%

IMBPla num Package Residen al Fixed 1 yr 90% 150k+

4.19 Nil324 Both No 90%

IMBResiden al Fixed 1 yr 90%

4.29 6.00/m769 Both No 95%

iMortgageFusion Fixed PI 80 1 yr

4.04 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 1 yr 150k+

4.09 199/a519 Both No 95%

ING DIRECTResiden al Fixed 1 yr

4.19 Nil519 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 60Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Liberty FinancialLiberty Fixed 1 yr

4.24 295.00/aNil Both Full 85%

MEFlexible Fixed OO Max 80 LVR 1 yr

3.89 Nil400 Both No 80%

MEMember Package Flexible Fixed OO Max 80 LVR 1 yr 40k+ 3.89 395/aNil Both No 80%

MOVE ‐ People Driven BankingLockit 1 yr

3.89 Nil450 Both Full 95%

My Credit UnionFixed Rate 1 yr

4.39 Nil610 Both No 95%

NABChoice Package Standard Fixed 1 yr 150k+

3.89 395/aNil Both No 95%

NABChoice Package Tailored Fixed ‐ IO 1 yr 150k+

3.89 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 1 yr 150k+

3.89 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 1 yr 150k+

3.89 750/aNil IO No 95%

NABStandard Fixed 1 yr

3.99 8.00/m600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 61Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

NABTailored Fixed ‐ IO 1 yr

3.99 8.00/m600 IO No 95%

Northern Inland CUFixed Rate Owner Occupied 1 yr

3.99 Nil930 P+I No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 1 yr 150k+

4.09 395/a150 Both No 95%

People's Choice Credit UnionResiden al Fixed 1 yr

4.24 8.00/m950 Both No 95%

QBANKResiden al Fixed 1 yr

4.19 NilNil Both No 95%

Queenslanders CUFixed Rate P&I 1 yr

4.29 Nil595 P+I Full 95%

Reduce Home LoansHome Owners Dream 1 Yr Fixed 80 1 yr

4.09 Nil1164 Both Full 80%

Reduce Home LoansHome Owners High Lend 1 yr

4.17 Nil1164 Both No 90%

Regional Australia BankSteady Rate 1 yr

3.99 Nil250 P+I No 95%

RESI Mortgage CorpFlexi Op ons Fixed 1 yr

4.42 Nil854 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 62Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

RESI Mortgage CorpSmart Pro Fixed P&I 1 yr 80%

3.97 Nil649 P+I No 95%

SCUMy Life Residen al Fixed 1 yr 150k+

4.39 350/a473 Both No 95%

Southern Cross Credit UnionFixed Pla num Home Loan 1 yr

4.29 400.00/a425 Both No 95%

Southern Cross Credit UnionFixed Pla num Professional Loan 1 yr

4.20 400.00/a425 Both No 95%

St.George BankAdvantage Package Residen al Fixed 1 yr 150k+

4.39 395/aNil Both Par al 95%

Summerland Credit UnionStandard Fixed 1 yr

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 1 yr 150k+

3.69 375/aNil Both No 95%

The MacStandard Fixed 1 yr

4.29 Nil1463 Both No 95%

The MutualPremium Fixed 1 yr

4.09 Nil300 Both No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 1 yr

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 63Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

WestpacPremier Advantage Fixed Op ons 1 yr 150k+

4.39 395/aNil Both No 95%

Yellow Brick RoadEmpower Fixed PI 1 yr

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 1 yr 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil295 Both No 90%

AMP BankBasic Fixed 1 yr

4.35 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 1 yr 100k+

4.35 349/aNil Both No 90%

AMP BankSelect Package Residen al Classic Fixed 1 yr 100k+

4.35 Nil895 Both No 90%

ANZResiden al 1yr Fixed 1 yr

4.54 10.00/m760 Both Full 90%

Arab Bank AustraliaResiden al Fixed 1 yr

4.38 Nil250 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 64Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

AussieOp mizer Fixed IO 1 yr

4.44 NilNil IO No 95%

AussieOp mizer Plus Fixed IO 1 yr

4.44 198.00/aNil IO No 95%

Auswide BankFreedom Package Standard Fixed 1 yr 95% 150k+

4.44 395/aNil Both Full 95%

Auswide BankStandard Fixed 1 yr 95%

4.54 10.00/m600 Both Full 95%

Bank of MelbourneResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Bendigo BankBasic Fixed Owner Occupied 1 yr

4.54 10.00/m829 Both No 95%

Bendigo BankResiden al Fixed 1 yr

4.54 10.00/mNil Both Par al 95%

BOQResiden al 1yr Fixed  1 yr

4.39 10.00/m450 Both Full 95%

CiMortgage Plus Standard Fixed IO 1 yr 80% 500k+

4.04 350/a649 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 65Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

CiStandard Fixed P&I 1 yr 500k+ 80%

4.19 8.00/m649 P+I No 90%

Commonwealth BankResiden al Fixed 1 yr

4.54 8.00/m800 Both Par al 95%

HomeloansUltra Plus Fixed PI 1 yr

4.04 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 1 yr

4.24 120.00/a363 IO No 80%

MyStateResiden al Fixed 1 yr 80%

4.29 Nil350 Both No 95%

RAMSFixed Rate IO 1 yr

4.49 20.00/m870 IO No 95%

RAMSFixed Rate P&I 1 yr

4.39 20.00/m870 P+I No 95%

RESI Mortgage CorpSmart Pro Fixed IO 1 yr 80%

4.17 Nil649 IO No 95%

SCUResiden al Fixed 1 yr

4.54 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 1 yr

4.54 8.00/m750 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 66Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Suncorp BankOwner Occupied Fixed 1 yr

4.04 10.00/m600 Both No 95%

The RockResiden al Fixed 1 yr 80%

4.29 5.00/m950 Both No 95%

The RockRockstar Package Residen al Fixed 1 yr 80% 150k+

4.29 350/aNil Both No 80%

WestpacFixed Op ons 1 yr

4.59 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed IO 1 yr

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 1 yr 100k+

4.44 Nil363 IO No 90%

AMP BankResiden al Classic Fixed 1 yr

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 1 yr 100k+

4.49 395/a780 Both No 90%

CiStandard Fixed IO 1 yr 500k+ 80%

4.24 8.00/m649 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 67Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 1 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Delphi BankStandard Fixed 1 yr

4.54 6.00/m1020 Both No 90%

First Op on Credit UnionResiden al Fixed 1 yr

4.85 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 1 yr

4.24 120.00/a363 IO No 95%

St.George BankResiden al Fixed 1 yr

4.54 10.00/m700 Both Par al 95%

Transport Mutual Credit UnionResiden al Fixed 1 yr

5.04 Nil1010 P+I Full 95%

Woolworths Employees CUOwner Occupied Fixed 1 yr

4.84 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 68Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Bank AustraliaBasic Fixed (LVR <80%)  2 yrs

3.74 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 2 yrs 10k+

3.69 350/a595 P+I No 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 2 yrs 200k+

3.99 NilNil Both No 95%

Freedom LendFreedom Fixed PI 2 yrs

3.74 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 2 Year 2 yrs

3.99 Nil500 Both Full 95%

G&C Mutual BankResiden al 2yr Fixed 2 yrs

3.99 Nil500 Both Full 95%

Homestar FinanceOwner Occupied IO Fixed 2 yrs

4.09 Nil633 IO Full 90%

Homestar FinanceOwner Occupied P&I Fixed 2 yrs

3.84 Nil633 P+I Full 90%

Newcastle PermanentResiden al Fixed 2 yrs

3.89 NilNil Both No 95%

Pacific Mortgage GroupResiden al Fixed 2 yrs

3.78 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 69Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

QT Mutual BankChoices Residen al Fixed 2 yrs 20k+

3.69 395/aNil Both No 95%

Regional Australia BankPartnership Advantage Fixed 2 yrs

3.89 375.00/aNil Both Full 95%

Select Encompass Credit UnionFixed 2 yrs

3.59 NilNil Both No 95%

Teachers Mutual BankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

UniBankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

ANZBreakfree Residen al Fixed 2 yrs 150k+

3.98 Nil160 Both No 90%

AussieSelect Basic Fixed 2 yrs 80%

3.99 NilNil Both No 95%

Bank AustraliaResiden al Fixed 2 yrs

3.84 Nil595 P+I No 95%

Beyond BankTotal Home Loan Residen al Fixed 2 yrs 50k+

3.89 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 70Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Community First CUTrue Fixed 2 yrs

3.85 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 2 yrs

3.84 Nil795 Both No 95%

Easy Street Fin ServicesEasy Street Fixed 2 yrs

3.85 Nil500 Both Full 95%

Heritage BankHome Advantage Residen al Fixed 2 yrs 150k+

3.89 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 2 yrs

3.89 8.00/m750 Both Par al 95%

Hume BankProperty Package Residen al Fixed 2 yrs 150k+

4.09 375/aNil Both No 97%

Hume BankResiden al Fixed (Refinance) 2 yrs

4.19 NilNil Both No 97%

IMBPla num Package Residen al Fixed 2 yrs 90% 150k+

3.75 Nil324 Both No 90%

IMBResiden al Fixed 2 yrs 90%

3.85 6.00/m769 Both No 95%

MEFlexible Fixed OO Max 80 LVR 2 yrs

3.94 Nil400 Both No 80%

Home Loans Star Ra ngs 2017 ‐ Page 71Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

MyStateResiden al Fixed 2 yrs 80%

3.99 Nil350 Both No 95%

NABChoice Package Standard Fixed 2 yrs 150k+

3.98 395/aNil Both No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 2 yrs 150k+

3.94 395/a150 Both No 95%

QT Mutual BankResiden al Fixed 2 yrs

3.79 Nil600 Both No 95%

QT Mutual BankTeachers' Life Residen al Fixed 2 yrs 20k+

3.69 25/m600 Both No 95%

Qudos BankFixed Rate 2 yrs

3.89 NilNil Both No 95%

Teachers Mutual BankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

The RockRockstar Package Residen al Fixed 2 yrs 80% 150k+

3.99 350/aNil Both No 80%

UniBankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 72Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Adelaide BankSmartFix 2 yrs

4.35 15.00/m495 Both Full 95%

ANZResiden al Fixed 2 yrs

4.13 10.00/m760 Both No 90%

Arab Bank AustraliaResiden al Fixed 2 yrs

3.94 Nil250 Both No 95%

AussieOp mizer Fixed PI 2 yrs

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 2 yrs

4.19 198.00/aNil P+I No 95%

AussieSelect Standard Fixed 2 yrs

3.99 15.00/mNil Both No 95%

Australian Military BankFixed Rate 2 yrs 80%

3.85 Nil1014 Both No 95%

Auswide BankFreedom Package Standard Fixed 2 yrs 90% 150k+

4.19 395/aNil Both Full 95%

B&E Personal BankingFixed Residen al FlexiChoice 2 yrs 80%

4.19 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  2 yrs 80%

4.09 10.00/m650 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 73Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank of MelbourneAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

Bank of MelbourneResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankSAAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

BankSAResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankVicFixed 2 yrs

3.97 Nil600 Both No 95%

BankVicPremium Home Fixed 2 yrs 50k+

3.87 375/aNil Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 2 yrs 200k+ 3.94 395/a250 Both Par al 90%

BankwestFixed Rate Owner Occupied 2 yrs

4.05 12.00/m545 Both Par al 90%

bcuFixed Rate Special Residen al 2 yrs

3.70 495.00/a600 Both No 95%

Bendigo BankBasic Fixed Owner Occupied 2 yrs

4.24 10.00/m829 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 74Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bendigo BankResiden al Fixed 2 yrs

4.24 10.00/mNil Both Par al 95%

Beyond BankResiden al Fixed 2 yrs

4.14 Nil595 Both No 95%

Catalyst MoneyFixed Lite 2 yrs

4.15 Nil607 Both Full 95%

Click LoansThe Online Home Loan Fixed 2 yrs

4.19 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 2 yrs

4.19 198.00/a363 Both Full 95%

Commonwealth BankResiden al Fixed 2 yrs

4.14 8.00/m800 Both Par al 95%

Commonwealth BankWealth Package Residen al Fixed 2 yrs 150k+

3.99 395/a595 Both Par al 95%

CUAPremium Fixed ‐ Owner Occupier 2 yrs

4.06 Nil795 Both Full 95%

Defence BankEssen als Fixed 2 yrs

4.08 8.00/m970 Both No 95%

FirstmacVIP Pack Fixed 2 yrs

4.09 Nil520 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 75Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Gateway Credit UnionPremium Residen al Fixed 2 yrs 150k+

3.83 299/a750 Both No 80%

Gateway Credit UnionResiden al Fixed 2 yrs

4.03 Nil750 Both No 80%

Holiday Coast CUFixed N Easy 2 yrs

3.99 8.00/m664 Both No 95%

HomeloansOp ma Fixed ‐ Owner Occupied PI 2 yrs

4.18 198.00/a1056 P+I No 80%

Horizon Credit UnionFixed Rate Home Loan 2 yrs

3.99 Nil945 Both Full 95%

Hume BankResiden al Fixed 2 yrs

4.19 Nil750 Both No 97%

Hunter UnitedLow 2 year Fixed Rate Home Loan 2 yrs

4.08 8.00/m350 P+I No 95%

Illawarra CU NSWFixed Lite 2 yrs

4.15 Nil607 Both Full 95%

iMortgageFusion Fixed PI 80 2 yrs

3.95 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 2 yrs 150k+

4.04 199/a519 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 76Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

ING DIRECTResiden al Fixed 2 yrs

4.14 Nil519 Both No 95%

Liberty FinancialLiberty Fixed 2 yrs

4.19 295.00/aNil Both Full 85%

loans.com.auFixed ‐ Owner Occupier 2 yrs

3.99 Nil520 Both No 90%

Macquarie BankBasic Fixed Owner Occupied PI 2 yrs

4.19 NilNil P+I No 95%

MEMember Package Flexible Fixed OO Max 80 LVR 2 yrs 40k+ 3.94 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 2 yrs 100‐749k

4.35 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 2 yrs

4.24 Nil610 Both No 95%

NABChoice Package Tailored Fixed ‐ IO 2 yrs 150k+

3.98 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 2 yrs 150k+

3.98 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 2 yrs 150k+

3.98 750/aNil IO No 95%

Home Loans Star Ra ngs 2017 ‐ Page 77Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

NABStandard Fixed 2 yrs

4.08 8.00/m600 Both No 95%

NABTailored Fixed ‐ IO 2 yrs

4.08 8.00/m600 IO No 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 2 yrs

3.89 395/aNil Both No 95%

Northern Inland CUFixed Rate Owner Occupied 2 yrs

3.99 Nil930 P+I No 95%

P&N BankResiden al Fixed PI 2 yrs 80%

3.99 8.00/m395 P+I No 90%

People's Choice Credit UnionResiden al Fixed 2 yrs

4.09 8.00/m950 Both No 95%

Police BankPremium Fixed 2 yrs

3.99 Nil1045 Both No 95%

QBANKResiden al Fixed 2 yrs

4.19 NilNil Both No 95%

Queenslanders CUFixed Rate P&I 2 yrs

4.39 Nil595 P+I Full 95%

Reduce Home LoansHome Owners Dream 2 Yr Fixed 2 yrs 80%

4.09 Nil1164 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 78Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Regional Australia BankSteady Rate 2 yrs

3.99 Nil250 P+I No 95%

SCUMy Life Residen al Fixed 2 yrs 150k+

3.85 350/a473 Both No 95%

SCUResiden al Fixed 2 yrs

4.00 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 2 yrs

4.24 8.00/m750 Both Full 95%

St.George BankAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

St.George BankResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

Summerland Credit UnionStandard Fixed 2 yrs

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 2 yrs 150k+

3.89 375/aNil Both No 95%

Suncorp BankOwner Occupied Fixed 2 yrs

4.04 10.00/m600 Both No 95%

The CapricornianSpecial Fixed 2 yrs

4.05 Nil785 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 79Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

The MutualPremium Fixed 2 yrs

4.09 Nil300 Both No 95%

The RockResiden al Fixed 2 yrs 80%

3.99 5.00/m950 Both No 95%

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 2 yrs 3.79 300/a300 P+I No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

WestpacFixed Op ons 2 yrs

4.19 8.00/m600 Both No 95%

WestpacPremier Advantage Fixed Op ons 2 yrs 150k+

3.99 395/aNil Both No 95%

Yellow Brick RoadEmpower Fixed PI 2 yrs

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 2 yrs 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil295 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 80Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

AMP BankBasic Fixed 2 yrs

4.43 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 2 yrs 100k+ 4.43 349/aNil Both No 90%

AMP BankSelect Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil895 Both No 90%

AussieOp mizer Fixed IO 2 yrs

4.44 NilNil IO No 95%

AussieOp mizer Plus Fixed IO 2 yrs

4.44 198.00/aNil IO No 95%

Auswide BankStandard Fixed 2 yrs 90%

4.44 10.00/m600 Both Full 95%

Bank of SydneyExpect More Residen al Fixed 2 yrs 100k+

4.14 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 2 yrs

4.14 10.00/m780 Both No 90%

bcuResiden al Fixed 2 yrs

4.19 Nil600 Both No 95%

BOQResiden al Fixed 2 yrs

4.19 10.00/m450 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 81Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

CiMortgage Plus Standard Fixed P&I 2 yrs 80% 150‐499k

4.04 350/a649 P+I No 90%

CiStandard Fixed P&I 2 yrs 50‐499k 80%

4.24 8.00/m649 P+I No 90%

Delphi BankStandard Fixed 2 yrs

4.24 6.00/m1020 Both No 90%

ECU AustraliaStandard Fixed 2 yrs

4.30 Nil1020 Both No 95%

HomeloansMoniPower Fixed 2 yrs

4.60 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 2 yrs

4.43 198.00/a1056 IO No 80%

HomeloansUltra Plus Fixed PI 2 yrs

4.10 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 2 yrs

4.15 120.00/a363 IO No 80%

Macquarie BankOffset Fixed Owner Occupied PI 2 yrs

4.19 199.00/sNil P+I No 95%

P&N BankResiden al Fixed IO 2 yrs 80%

3.99 8.00/m395 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 82Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

RAMSFixed Rate IO 2 yrs

4.24 20.00/m870 IO No 95%

RAMSFixed Rate P&I 2 yrs

4.14 20.00/m870 P+I No 95%

RESI Mortgage CorpSmart Pro Fixed IO 2 yrs 80%

4.23 Nil649 IO No 95%

RESI Mortgage CorpSmart Pro Fixed P&I 2 yrs 80%

4.03 Nil649 P+I No 95%

The CapricornianLifestyle Fixed 2 yrs

4.30 10.00/m785 Both Full 95%

The CapricornianPremium Choice Fixed 2 yrs

4.15 Nil785 Both Full 95%

The MacStandard Fixed 2 yrs

4.64 Nil1463 Both No 95%

Yellow Brick RoadEmpower Fixed IO 2 yrs

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 2 yrs 100k+

4.44 Nil363 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 83Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $200,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

AMP BankResiden al Classic Fixed 2 yrs

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 2 yrs 100k+

4.59 395/a780 Both No 90%

CiMortgage Plus Standard Fixed IO 2 yrs 80% 150‐m

4.09 350/a649 IO No 90%

CiStandard Fixed IO 2 yrs 50‐499k 80%

4.29 8.00/m649 IO No 90%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 2 yrs 5‐599k

4.70 375/a657 Both Full 95%

First Op on Credit UnionResiden al Fixed 2 yrs

4.95 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 2 yrs

4.30 120.00/a363 IO No 95%

Woolworths Employees CUOwner Occupied Fixed 2 yrs

4.74 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 84Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Bank AustraliaBasic Fixed (LVR <80%)  2 yrs

3.74 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 2 yrs 10k+

3.69 350/a595 P+I No 95%

Freedom LendFreedom Fixed PI 2 yrs

3.74 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 2 Year 2 yrs

3.99 Nil500 Both Full 95%

G&C Mutual BankResiden al 2yr Fixed 2 yrs

3.99 Nil500 Both Full 95%

Homestar FinanceOwner Occupied IO Fixed 2 yrs

4.09 Nil633 IO Full 90%

Homestar FinanceOwner Occupied P&I Fixed 2 yrs

3.84 Nil633 P+I Full 90%

Pacific Mortgage GroupResiden al Fixed 2 yrs

3.78 NilNil P+I No 95%

QT Mutual BankChoices Residen al Fixed 2 yrs 20k+

3.69 395/aNil Both No 95%

QT Mutual BankTeachers' Life Residen al Fixed 2 yrs 20k+

3.69 25/m600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 85Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

Queenslanders CUSpecial Fixed Rate P&I 2 yrs

3.82 Nil595 P+I Full 90%

Regional Australia BankPartnership Advantage Fixed 2 yrs

3.89 375.00/aNil Both Full 95%

Select Encompass Credit UnionFixed 2 yrs

3.59 NilNil Both No 95%

Teachers Mutual BankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

The MacStandard Fixed Special 2 yrs

3.79 Nil1463 Both No 95%

UniBankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

AMO GroupResiden al Fixed 2 yrs

3.83 120.00/a1180 Both No 95%

ANZBreakfree Residen al Fixed 2 yrs 150k+

3.98 Nil160 Both No 90%

Bank AustraliaResiden al Fixed 2 yrs

3.84 Nil595 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 86Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank of MelbourneAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

BankSAAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 2 yrs 200k+

3.99 NilNil Both No 95%

Beyond BankTotal Home Loan Residen al Fixed 2 yrs 50k+

3.89 395/aNil Both No 95%

Community First CUTrue Fixed 2 yrs

3.85 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 2 yrs

3.84 Nil795 Both No 95%

Easy Street Fin ServicesEasy Street Fixed 2 yrs

3.85 Nil500 Both Full 95%

Heritage BankHome Advantage Residen al Fixed 2 yrs 150k+

3.89 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 2 yrs

3.89 8.00/m750 Both Par al 95%

Hume BankProperty Package Residen al Fixed 2 yrs 150k+

4.09 375/aNil Both No 97%

Home Loans Star Ra ngs 2017 ‐ Page 87Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

IMBPla num Package Residen al Fixed 2 yrs 90% 150k+

3.75 Nil324 Both No 90%

NABChoice Package Standard Fixed 2 yrs 150k+

3.98 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 2 yrs

3.89 NilNil Both No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 2 yrs 150k+

3.94 395/a150 Both No 95%

QT Mutual BankResiden al Fixed 2 yrs

3.79 Nil600 Both No 95%

Qudos BankFixed Rate 2 yrs

3.89 NilNil Both No 95%

SCUMy Life Residen al Fixed 2 yrs 150k+

3.85 350/a473 Both No 95%

Teachers Mutual BankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

The RockRockstar Package Residen al Fixed 2 yrs 80% 150k+

3.99 350/aNil Both No 80%

UniBankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 88Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

WestpacPremier Advantage Fixed Op ons 2 yrs 150k+

3.99 395/aNil Both No 95%

Adelaide BankSmartFix 2 yrs

4.35 15.00/m495 Both Full 95%

ANZResiden al Fixed 2 yrs

4.13 10.00/m760 Both No 90%

Arab Bank AustraliaResiden al Fixed 2 yrs

3.94 Nil250 Both No 95%

AussieOp mizer Fixed PI 2 yrs

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 2 yrs

4.19 198.00/aNil P+I No 95%

AussieSelect Basic Fixed 2 yrs 80%

3.99 NilNil Both No 95%

AussieSelect Standard Fixed 2 yrs

3.99 15.00/mNil Both No 95%

Australian Military BankFixed Rate 2 yrs 80%

3.85 Nil1014 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 89Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Auswide BankFreedom Package Standard Fixed 2 yrs 90% 150k+

4.19 395/aNil Both Full 95%

B&E Personal BankingFixed Residen al FlexiChoice 2 yrs 80%

4.19 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  2 yrs 80%

4.09 10.00/m650 P+I No 95%

Bank of MelbourneResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankVicFixed 2 yrs

3.97 Nil600 Both No 95%

BankVicPremium Home Fixed 2 yrs 50k+

3.87 375/aNil Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 2 yrs 200k+ 3.94 395/a250 Both Par al 90%

BankwestFixed Rate Owner Occupied 2 yrs

4.05 12.00/m545 Both Par al 90%

bcuFixed Rate Special Residen al 2 yrs

3.70 495.00/a600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 90Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bendigo BankBasic Fixed Owner Occupied 2 yrs

4.24 10.00/m829 Both No 95%

Bendigo BankConnect Package Fixed Owner Occupied 2 yrs 250k+

4.09 20/m250 Both Full 95%

Bendigo BankResiden al Fixed 2 yrs

4.24 10.00/mNil Both Par al 95%

Beyond BankResiden al Fixed 2 yrs

4.14 Nil595 Both No 95%

Catalyst MoneyFixed 2 yrs

4.15 Nil607 Both Full 95%

Click LoansThe Online Home Loan Fixed 2 yrs

4.19 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 2 yrs

4.19 198.00/a363 Both Full 95%

Commonwealth BankResiden al Fixed 2 yrs

4.14 8.00/m800 Both Par al 95%

Commonwealth BankWealth Package Residen al Fixed 2 yrs 150k+

3.99 395/a595 Both Par al 95%

CUAPremium Fixed ‐ Owner Occupier 2 yrs

4.06 Nil795 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 91Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Defence BankEssen als Fixed 2 yrs

4.08 8.00/m970 Both No 95%

FirstmacVIP Pack Fixed 2 yrs

4.09 Nil520 Both No 90%

Gateway Credit UnionPremium Residen al Fixed 2 yrs 150k+

3.83 299/a750 Both No 80%

Gateway Credit UnionResiden al Fixed 2 yrs

4.03 Nil750 Both No 80%

Holiday Coast CUFixed N Easy 2 yrs

3.99 8.00/m664 Both No 95%

HomeloansOp ma Fixed ‐ Owner Occupied PI 2 yrs

4.18 198.00/a1056 P+I No 80%

Horizon Credit UnionFixed Rate Home Loan 2 yrs

3.99 Nil945 Both Full 95%

HSBC2yr Fixed 2 yrs

3.95 Nil853 Both No 90%

Hume BankResiden al Fixed (Refinance) 2 yrs

4.19 NilNil Both No 97%

Hume BankResiden al Fixed 2 yrs

4.19 Nil750 Both No 97%

Home Loans Star Ra ngs 2017 ‐ Page 92Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Hunter UnitedLow 2 year Fixed Rate Home Loan 2 yrs

4.08 8.00/m350 P+I No 95%

Illawarra CU NSWFixed 2 yrs

4.15 Nil607 Both Full 95%

IMBResiden al Fixed 2 yrs 90%

3.85 6.00/m769 Both No 95%

iMortgageFusion Fixed PI 80 2 yrs

3.95 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 2 yrs 150k+

4.04 199/a519 Both No 95%

ING DIRECTResiden al Fixed 2 yrs

4.14 Nil519 Both No 95%

Liberty FinancialLiberty Fixed 2 yrs

4.19 295.00/aNil Both Full 85%

loans.com.auFixed ‐ Owner Occupier 2 yrs

3.99 Nil520 Both No 90%

Macquarie BankBasic Fixed Owner Occupied PI 2 yrs

4.19 NilNil P+I No 95%

MEFlexible Fixed OO Max 80 LVR 2 yrs

3.94 Nil400 Both No 80%

Home Loans Star Ra ngs 2017 ‐ Page 93Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

MEMember Package Flexible Fixed OO Max 80 LVR 2 yrs 40k+ 3.94 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 2 yrs 100‐749k

4.35 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 2 yrs

4.24 Nil610 Both No 95%

MyStateResiden al Fixed 2 yrs 80%

3.99 Nil350 Both No 95%

NABChoice Package Tailored Fixed ‐ IO 2 yrs 150k+

3.98 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 2 yrs 150k+

3.98 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 2 yrs 150k+

3.98 750/aNil IO No 95%

NABStandard Fixed 2 yrs

4.08 8.00/m600 Both No 95%

NABTailored Fixed ‐ IO 2 yrs

4.08 8.00/m600 IO No 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 2 yrs

3.89 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 94Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Northern Inland CUFixed Rate Owner Occupied 2 yrs

3.99 Nil930 P+I No 95%

People's Choice Credit UnionResiden al Fixed 2 yrs

4.09 8.00/m950 Both No 95%

Police BankPremium Fixed 2 yrs

3.99 Nil1045 Both No 95%

QBANKResiden al Fixed 2 yrs

4.19 NilNil Both No 95%

RAMSFixed Rate P&I 2 yrs

4.14 20.00/m870 P+I No 95%

Reduce Home LoansHome Owners Dream 2 Yr Fixed 2 yrs 80%

4.09 Nil1164 Both Full 95%

Regional Australia BankSteady Rate 2 yrs

3.99 Nil250 P+I No 95%

RESI Mortgage CorpFlexi Op ons Fixed 2 yrs

4.60 Nil854 Both Full 95%

SCUResiden al Fixed 2 yrs

4.00 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 2 yrs

4.24 8.00/m750 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 95Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

St.George BankAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

St.George BankResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

Summerland Credit UnionStandard Fixed 2 yrs

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 2 yrs 150k+

3.89 375/aNil Both No 95%

Suncorp BankOwner Occupied Fixed 2 yrs

4.04 10.00/m600 Both No 95%

The CapricornianSpecial Fixed 2 yrs

4.05 Nil785 Both Full 95%

The RockResiden al Fixed 2 yrs 80%

3.99 5.00/m950 Both No 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 2 yrs 3.79 300/a300 P+I No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 96Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

WestpacFixed Op ons 2 yrs

4.19 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed PI 2 yrs

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 2 yrs 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil295 Both No 90%

AMP BankBasic Fixed 2 yrs

4.43 Nil545 Both No 90%

AMP BankSelect Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil895 Both No 90%

AussieOp mizer Fixed IO 2 yrs

4.44 NilNil IO No 95%

AussieOp mizer Plus Fixed IO 2 yrs

4.44 198.00/aNil IO No 95%

Auswide BankStandard Fixed 2 yrs 90%

4.44 10.00/m600 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 97Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank of SydneyExpect More Residen al Fixed 2 yrs 100k+

4.14 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 2 yrs

4.14 10.00/m780 Both No 90%

bcuResiden al Fixed 2 yrs

4.19 Nil600 Both No 95%

BOQResiden al Fixed 2 yrs

4.19 10.00/m450 Both No 95%

CiMortgage Plus Standard Fixed IO 2 yrs 80% 150‐m

4.09 350/a649 IO No 90%

CiMortgage Plus Standard Fixed P&I 2 yrs 80% 150‐499k

4.04 350/a649 P+I No 90%

Delphi BankStandard Fixed 2 yrs

4.24 6.00/m1020 Both No 90%

ECU AustraliaStandard Fixed 2 yrs

4.30 Nil1020 Both No 95%

HomeloansMoniPower Fixed 2 yrs

4.60 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 2 yrs

4.43 198.00/a1056 IO No 80%

Home Loans Star Ra ngs 2017 ‐ Page 98Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

HomeloansUltra Plus Fixed PI 2 yrs

4.10 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 2 yrs

4.15 120.00/a363 IO No 80%

Macquarie BankOffset Fixed Owner Occupied PI 2 yrs

4.19 199.00/sNil P+I No 95%

P&N BankResiden al Fixed IO 2 yrs 80%

3.99 8.00/m395 IO No 90%

P&N BankResiden al Fixed PI 2 yrs 80%

3.99 8.00/m395 P+I No 90%

Queenslanders CUFixed Rate P&I 2 yrs

4.39 Nil595 P+I Full 95%

RAMSFixed Rate IO 2 yrs

4.24 20.00/m870 IO No 95%

RESI Mortgage CorpSmart Pro Fixed IO 2 yrs 80%

4.23 Nil649 IO No 95%

RESI Mortgage CorpSmart Pro Fixed P&I 2 yrs 80%

4.03 Nil649 P+I No 95%

The CapricornianLifestyle Fixed 2 yrs

4.30 10.00/m785 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 99Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

The CapricornianPremium Choice Fixed 2 yrs

4.15 Nil785 Both Full 95%

The MacStandard Fixed 2 yrs

4.64 Nil1463 Both No 95%

The MutualPremium Fixed 2 yrs

4.09 Nil300 Both No 95%

Yellow Brick RoadEmpower Fixed IO 2 yrs

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 2 yrs 100k+

4.44 Nil363 IO No 90%

AMP BankProfessional Package Residen al Classic Fixed 2 yrs 100k+ 4.43 349/aNil Both No 90%

AMP BankResiden al Classic Fixed 2 yrs

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 2 yrs 100k+

4.59 395/a780 Both No 90%

CiStandard Fixed IO 2 yrs 50‐499k 80%

4.29 8.00/m649 IO No 90%

Home Loans Star Ra ngs 2017 ‐ Page 100Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $350,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

CiStandard Fixed P&I 2 yrs 50‐499k 80%

4.24 8.00/m649 P+I No 90%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 2 yrs 5‐599k

4.70 375/a657 Both Full 95%

First Op on Credit UnionResiden al Fixed 2 yrs

4.95 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 2 yrs

4.30 120.00/a363 IO No 95%

Woolworths Employees CUOwner Occupied Fixed 2 yrs

4.74 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 101Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

AMO GroupResiden al Fixed 2 yrs

3.83 120.00/a1180 Both No 95%

Bank AustraliaBasic Fixed (LVR <80%)  2 yrs

3.74 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 2 yrs 10k+

3.69 350/a595 P+I No 95%

Freedom LendFreedom Fixed PI 2 yrs

3.74 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 2 Year 2 yrs

3.99 Nil500 Both Full 95%

G&C Mutual BankResiden al 2yr Fixed 2 yrs

3.99 Nil500 Both Full 95%

Hume BankProperty Package Residen al Fixed 2 yrs 150k+

4.09 375/aNil Both No 97%

IMBPla num Package Residen al Fixed 2 yrs 90% 150k+

3.75 Nil324 Both No 90%

Pacific Mortgage GroupResiden al Fixed 2 yrs

3.78 NilNil P+I No 95%

QT Mutual BankChoices Residen al Fixed 2 yrs 20k+

3.69 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 102Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

QT Mutual BankTeachers' Life Residen al Fixed 2 yrs 20k+

3.69 25/m600 Both No 95%

Queenslanders CUSpecial Fixed Rate P&I 2 yrs

3.82 Nil595 P+I Full 90%

Regional Australia BankPartnership Advantage Fixed 2 yrs

3.89 375.00/aNil Both Full 95%

Select Encompass Credit UnionFixed 2 yrs

3.59 NilNil Both No 95%

The MacStandard Fixed Special 2 yrs

3.79 Nil1463 Both No 95%

ANZBreakfree Residen al Fixed 2 yrs 150k+

3.98 Nil160 Both No 90%

Bank AustraliaResiden al Fixed 2 yrs

3.84 Nil595 P+I No 95%

Bank of MelbourneAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

BankSAAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

Home Loans Star Ra ngs 2017 ‐ Page 103Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

bcuFixed Rate Special Residen al 2 yrs

3.70 495.00/a600 Both No 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 2 yrs 200k+

3.99 NilNil Both No 95%

Beyond BankTotal Home Loan Residen al Fixed 2 yrs 50k+

3.89 395/aNil Both No 95%

Community First CUTrue Fixed 2 yrs

3.85 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 2 yrs

3.84 Nil795 Both No 95%

Easy Street Fin ServicesEasy Street Fixed 2 yrs

3.85 Nil500 Both Full 95%

Heritage BankHome Advantage Residen al Fixed 2 yrs 150k+

3.89 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 2 yrs

3.89 8.00/m750 Both Par al 95%

NABChoice Package Standard Fixed 2 yrs 150k+

3.98 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 2 yrs

3.89 NilNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 104Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

People's Choice Credit UnionHome Loan Package Residen al Fixed 2 yrs 150k+

3.94 395/a150 Both No 95%

QT Mutual BankResiden al Fixed 2 yrs

3.79 Nil600 Both No 95%

SCUMy Life Residen al Fixed 2 yrs 150k+

3.85 350/a473 Both No 95%

St.George BankAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

Teachers Mutual BankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

Teachers Mutual BankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

The RockRockstar Package Residen al Fixed 2 yrs 80% 150k+

3.99 350/aNil Both No 80%

UniBankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

UniBankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

WestpacPremier Advantage Fixed Op ons 2 yrs 150k+

3.99 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 105Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Adelaide BankSmartFix 2 yrs

4.35 15.00/m495 Both Full 95%

ANZResiden al Fixed 2 yrs

4.13 10.00/m760 Both No 90%

Arab Bank AustraliaResiden al Fixed 2 yrs

3.94 Nil250 Both No 95%

AussieOp mizer Fixed PI 2 yrs

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 2 yrs

4.19 198.00/aNil P+I No 95%

AussieSelect Basic Fixed 2 yrs 80%

3.99 NilNil Both No 95%

AussieSelect Standard Fixed 2 yrs

3.99 15.00/mNil Both No 95%

Australian Military BankFixed Rate 2 yrs 80%

3.85 Nil1014 Both No 95%

Auswide BankFreedom Package Standard Fixed 2 yrs 90% 150k+

4.19 395/aNil Both Full 95%

B&E Personal BankingFixed Residen al FlexiChoice 2 yrs 80%

4.19 10.00/m650 P+I Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 106Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

B&E Personal BankingFlexiDiscount Fixed  2 yrs 80%

4.09 10.00/m650 P+I No 95%

Bank of MelbourneResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankVicFixed 2 yrs

3.97 Nil600 Both No 95%

BankVicPremium Home Fixed 2 yrs 50k+

3.87 375/aNil Both No 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 2 yrs 200k+ 3.94 395/a250 Both Par al 90%

BankwestFixed Rate Owner Occupied 2 yrs

4.05 12.00/m545 Both Par al 90%

Bendigo BankBasic Fixed Owner Occupied 2 yrs

4.24 10.00/m829 Both No 95%

Bendigo BankResiden al Fixed 2 yrs

4.24 10.00/mNil Both Par al 95%

Beyond BankResiden al Fixed 2 yrs

4.14 Nil595 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 107Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Catalyst MoneyFixed 2 yrs

4.15 Nil607 Both Full 95%

Click LoansThe Online Home Loan Fixed 2 yrs

4.19 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 2 yrs

4.19 198.00/a363 Both Full 95%

Commonwealth BankResiden al Fixed 2 yrs

4.14 8.00/m800 Both Par al 95%

Commonwealth BankWealth Package Residen al Fixed 2 yrs 150k+

3.99 395/a595 Both Par al 95%

CUAPremium Fixed ‐ Owner Occupier 2 yrs

4.06 Nil795 Both Full 95%

Defence BankEssen als Fixed 2 yrs

4.08 8.00/m970 Both No 95%

FirstmacVIP Pack Fixed 2 yrs

4.09 Nil520 Both No 90%

Gateway Credit UnionPremium Residen al Fixed 2 yrs 150k+

3.83 299/a750 Both No 80%

Gateway Credit UnionResiden al Fixed 2 yrs

4.03 Nil750 Both No 80%

Home Loans Star Ra ngs 2017 ‐ Page 108Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Holiday Coast CUFixed N Easy 2 yrs

3.99 8.00/m664 Both No 95%

HomeloansOp ma Fixed ‐ Owner Occupied PI 2 yrs

4.18 198.00/a1056 P+I No 80%

Horizon Credit UnionFixed Rate Home Loan 2 yrs

3.99 Nil945 Both Full 95%

HSBC2yr Fixed 2 yrs

3.95 Nil853 Both No 90%

HSBCPremier 2yr Fixed 2 yrs 500k+

3.95 Nil553 Both No 90%

Hume BankResiden al Fixed (Refinance) 2 yrs

4.19 NilNil Both No 97%

Hume BankResiden al Fixed 2 yrs

4.19 Nil750 Both No 97%

Hunter UnitedLow 2 year Fixed Rate Home Loan 2 yrs

4.08 8.00/m350 P+I No 95%

Illawarra CU NSWFixed 2 yrs

4.15 Nil607 Both Full 95%

IMBResiden al Fixed 2 yrs 90%

3.85 6.00/m769 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 109Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

iMortgageFusion Fixed PI 80 2 yrs

3.95 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 2 yrs 150k+

4.04 199/a519 Both No 95%

ING DIRECTResiden al Fixed 2 yrs

4.14 Nil519 Both No 95%

Liberty FinancialLiberty Fixed 2 yrs

4.19 295.00/aNil Both Full 85%

loans.com.auFixed ‐ Owner Occupier 2 yrs

3.99 Nil520 Both No 90%

MEFlexible Fixed OO Max 80 LVR 2 yrs

3.94 Nil400 Both No 80%

MEMember Package Flexible Fixed OO Max 80 LVR 2 yrs 40k+ 3.94 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 2 yrs 100‐749k

4.35 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 2 yrs

4.24 Nil610 Both No 95%

MyStateResiden al Fixed 2 yrs 80%

3.99 Nil350 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 110Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

NABChoice Package Tailored Fixed ‐ IO 2 yrs 150k+

3.98 395/aNil IO No 95%

NABPrivate Tailored Pkg Standard Fixed 2 yrs 150k+

3.98 750/aNil Both No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 2 yrs 150k+

3.98 750/aNil IO No 95%

NABStandard Fixed 2 yrs

4.08 8.00/m600 Both No 95%

NABTailored Fixed ‐ IO 2 yrs

4.08 8.00/m600 IO No 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 2 yrs

3.89 395/aNil Both No 95%

Northern Inland CUFixed Rate Owner Occupied 2 yrs

3.99 Nil930 P+I No 95%

People's Choice Credit UnionResiden al Fixed 2 yrs

4.09 8.00/m950 Both No 95%

Police BankPremium Fixed 2 yrs

3.99 Nil1045 Both No 95%

QBANKResiden al Fixed 2 yrs

4.19 NilNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 111Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Qudos BankFixed Rate 2 yrs

3.89 NilNil Both No 95%

RAMSFixed Rate IO 2 yrs

4.24 20.00/m870 IO No 95%

RAMSFixed Rate P&I 2 yrs

4.14 20.00/m870 P+I No 95%

Reduce Home LoansHome Owners Dream 2 Yr Fixed 2 yrs 80%

4.09 Nil1164 Both Full 95%

Regional Australia BankSteady Rate 2 yrs

3.99 Nil250 P+I No 95%

RESI Mortgage CorpFlexi Op ons Fixed 2 yrs

4.60 Nil854 Both Full 95%

SCUResiden al Fixed 2 yrs

4.00 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 2 yrs

4.24 8.00/m750 Both Full 95%

Southern Cross Credit UnionFixed Pla num Home Loan 2 yrs

3.99 400.00/a425 Both No 95%

St.George BankResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

Home Loans Star Ra ngs 2017 ‐ Page 112Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Summerland Credit UnionStandard Fixed 2 yrs

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 2 yrs 150k+

3.89 375/aNil Both No 95%

Suncorp BankOwner Occupied Fixed 2 yrs

4.04 10.00/m600 Both No 95%

The CapricornianSpecial Fixed 2 yrs

4.05 Nil785 Both Full 95%

The RockResiden al Fixed 2 yrs 80%

3.99 5.00/m950 Both No 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 2 yrs 3.79 300/a300 P+I No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

WestpacFixed Op ons 2 yrs

4.19 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed PI 2 yrs

4.19 Nil363 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 113Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Yellow Brick RoadEmpower Package Empower Fixed PI 2 yrs 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil295 Both No 90%

AMP BankSelect Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil895 Both No 90%

AussieOp mizer Fixed IO 2 yrs

4.44 NilNil IO No 95%

AussieOp mizer Plus Fixed IO 2 yrs

4.44 198.00/aNil IO No 95%

Auswide BankStandard Fixed 2 yrs 90%

4.44 10.00/m600 Both Full 95%

Bank of SydneyExpect More Residen al Fixed 2 yrs 100k+

4.14 395/a150 Both No 90%

Bank of SydneyResiden al Fixed 2 yrs

4.14 10.00/m780 Both No 90%

bcuResiden al Fixed 2 yrs

4.19 Nil600 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 114Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

BOQResiden al Fixed 2 yrs

4.19 10.00/m450 Both No 95%

CiMortgage Plus Standard Fixed IO 2 yrs 80% 500k+

4.04 350/a649 IO No 90%

CiMortgage Plus Standard Fixed P&I 2 yrs 80% 500k+

3.99 350/a649 P+I No 90%

CiStandard Fixed P&I 2 yrs 500k+ 80%

4.19 8.00/m649 P+I No 90%

Delphi BankStandard Fixed 2 yrs

4.24 6.00/m1020 Both No 90%

ECU AustraliaStandard Fixed 2 yrs

4.30 Nil1020 Both No 95%

HomeloansMoniPower Fixed 2 yrs

4.60 Nil363 Both Full 95%

HomeloansOp ma Fixed ‐ Owner Occupied IO 2 yrs

4.43 198.00/a1056 IO No 80%

HomeloansUltra Plus Fixed PI 2 yrs

4.10 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 2 yrs

4.15 120.00/a363 IO No 80%

Home Loans Star Ra ngs 2017 ‐ Page 115Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Macquarie BankBasic Fixed Owner Occupied PI 2 yrs

4.19 NilNil P+I No 95%

Macquarie BankOffset Fixed Owner Occupied PI 2 yrs

4.19 199.00/sNil P+I No 95%

P&N BankResiden al Fixed IO 2 yrs 80%

3.99 8.00/m395 IO No 90%

P&N BankResiden al Fixed PI 2 yrs 80%

3.99 8.00/m395 P+I No 90%

Queenslanders CUFixed Rate P&I 2 yrs

4.39 Nil595 P+I Full 95%

RESI Mortgage CorpSmart Pro Fixed IO 2 yrs 80%

4.23 Nil649 IO No 95%

RESI Mortgage CorpSmart Pro Fixed P&I 2 yrs 80%

4.03 Nil649 P+I No 95%

The CapricornianLifestyle Fixed 2 yrs

4.30 10.00/m785 Both Full 95%

The CapricornianPremium Choice Fixed 2 yrs

4.15 Nil785 Both Full 95%

The MacStandard Fixed 2 yrs

4.64 Nil1463 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 116Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

The MutualPremium Fixed 2 yrs

4.09 Nil300 Both No 95%

Yellow Brick RoadEmpower Fixed IO 2 yrs

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 2 yrs 100k+

4.44 Nil363 IO No 90%

AMP BankBasic Fixed 2 yrs

4.43 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 2 yrs 100k+ 4.43 349/aNil Both No 90%

AMP BankResiden al Classic Fixed 2 yrs

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 2 yrs 100k+

4.59 395/a780 Both No 90%

CiStandard Fixed IO 2 yrs 500k+ 80%

4.24 8.00/m649 IO No 90%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 2 yrs 5‐599k

4.70 375/a657 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 117Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $500,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

First Op on Credit UnionResiden al Fixed 2 yrs

4.95 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 2 yrs

4.30 120.00/a363 IO No 95%

Woolworths Employees CUOwner Occupied Fixed 2 yrs

4.74 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 118Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

AMO GroupResiden al Fixed 2 yrs

3.83 120.00/a1180 Both No 95%

Bank AustraliaBasic Fixed (LVR <80%)  2 yrs

3.74 NilNil P+I No 80%

Bank AustraliaPremium Fixed Package Residen al Fixed 2 yrs 10k+

3.69 350/a595 P+I No 95%

Beyond BankTotal Home Loan Residen al Fixed 2 yrs 50k+

3.89 395/aNil Both No 95%

Freedom LendFreedom Fixed PI 2 yrs

3.74 NilNil P+I No 95%

G&C Mutual BankGet Ahead Start Fixed 2 Year 2 yrs

3.99 Nil500 Both Full 95%

G&C Mutual BankResiden al 2yr Fixed 2 yrs

3.99 Nil500 Both Full 95%

Hume BankProperty Package Residen al Fixed 2 yrs 150k+

4.09 375/aNil Both No 97%

IMBPla num Package Residen al Fixed 2 yrs 90% 150k+

3.75 Nil324 Both No 90%

Pacific Mortgage GroupResiden al Fixed 2 yrs

3.78 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 119Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

"Outstanding Value"

QT Mutual BankChoices Residen al Fixed 2 yrs 20k+

3.69 395/aNil Both No 95%

QT Mutual BankTeachers' Life Residen al Fixed 2 yrs 20k+

3.69 25/m600 Both No 95%

Queenslanders CUSpecial Fixed Rate P&I 2 yrs

3.82 Nil595 P+I Full 90%

Regional Australia BankPartnership Advantage Fixed 2 yrs

3.89 375.00/aNil Both Full 95%

Select Encompass Credit UnionFixed 2 yrs

3.59 NilNil Both No 95%

The MacStandard Fixed Special 2 yrs

3.79 Nil1463 Both No 95%

ANZBreakfree Residen al Fixed 2 yrs 150k+

3.98 Nil160 Both No 90%

Bank AustraliaResiden al Fixed 2 yrs

3.84 Nil595 P+I No 95%

Bank of MelbourneAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

Home Loans Star Ra ngs 2017 ‐ Page 120Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

BankSAAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

BankwestComplete Home Loan Fixed Rate Owner Occupied 2 yrs 200k+ 3.94 395/a250 Both Par al 90%

bcuFixed Rate Special Residen al 2 yrs

3.70 495.00/a600 Both No 95%

Beyond BankPinnacle +Plus Pkg Residen al Fixed 2 yrs 200k+

3.99 NilNil Both No 95%

Community First CUTrue Fixed 2 yrs

3.85 Nil600 Both Full 95%

CUAFixed ‐ Owner Occupier 2 yrs

3.84 Nil795 Both No 95%

Easy Street Fin ServicesEasy Street Fixed 2 yrs

3.85 Nil500 Both Full 95%

Heritage BankHome Advantage Residen al Fixed 2 yrs 150k+

3.89 350/a150 Both Par al 95%

Heritage BankResiden al Fixed 2 yrs

3.89 8.00/m750 Both Par al 95%

NABChoice Package Standard Fixed 2 yrs 150k+

3.98 395/aNil Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 121Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

NABPrivate Tailored Pkg Standard Fixed 2 yrs 150k+

3.98 750/aNil Both No 95%

People's Choice Credit UnionHome Loan Package Residen al Fixed 2 yrs 150k+

3.94 395/a150 Both No 95%

SCUMy Life Residen al Fixed 2 yrs 150k+

3.85 350/a473 Both No 95%

St.George BankAdvantage Package Residen al Fixed 2 yrs 150k+

3.99 395/aNil Both Par al 95%

Teachers Mutual BankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

Teachers Mutual BankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

The RockRockstar Package Residen al Fixed 2 yrs 80% 150k+

3.99 350/aNil Both No 80%

UniBankFixed Rate 2 yrs

3.86 Nil750 P+I Full 95%

UniBankStandard Fixed IO 2 yrs

3.86 Nil750 IO Full 95%

Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 2 yrs 3.79 300/a300 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 122Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

WestpacPremier Advantage Fixed Op ons 2 yrs 150k+

3.99 395/aNil Both No 95%

Adelaide BankSmartFix 2 yrs

4.35 15.00/m495 Both Full 95%

ANZResiden al Fixed 2 yrs

4.13 10.00/m760 Both No 90%

Arab Bank AustraliaResiden al Fixed 2 yrs

3.94 Nil250 Both No 95%

AussieOp mizer Fixed PI 2 yrs

4.19 NilNil P+I No 95%

AussieOp mizer Plus Fixed PI 2 yrs

4.19 198.00/aNil P+I No 95%

AussieSelect Basic Fixed 2 yrs 80%

3.99 NilNil Both No 95%

AussieSelect Standard Fixed 2 yrs

3.99 15.00/mNil Both No 95%

Australian Military BankFixed Rate 2 yrs 80%

3.85 Nil1014 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 123Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Auswide BankFreedom Package Standard Fixed 2 yrs 90% 150k+

4.19 395/aNil Both Full 95%

B&E Personal BankingFixed Residen al FlexiChoice 2 yrs 80%

4.19 10.00/m650 P+I Full 95%

B&E Personal BankingFlexiDiscount Fixed  2 yrs 80%

4.09 10.00/m650 P+I No 95%

Bank of MelbourneResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankSAResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

BankVicFixed 2 yrs

3.97 Nil600 Both No 95%

BankVicPremium Home Fixed 2 yrs 50k+

3.87 375/aNil Both No 95%

BankwestFixed Rate Owner Occupied 2 yrs

4.05 12.00/m545 Both Par al 90%

Bendigo BankBasic Fixed Owner Occupied 2 yrs

4.24 10.00/m829 Both No 95%

Bendigo BankResiden al Fixed 2 yrs

4.24 10.00/mNil Both Par al 95%

Home Loans Star Ra ngs 2017 ‐ Page 124Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Beyond BankResiden al Fixed 2 yrs

4.14 Nil595 Both No 95%

Catalyst MoneyFixed 2 yrs

4.15 Nil607 Both Full 95%

Click LoansThe Online Home Loan Fixed 2 yrs

4.19 Nil363 Both No 95%

Click LoansThe Online Offset Home Loan Fixed 2 yrs

4.19 198.00/a363 Both Full 95%

Commonwealth BankResiden al Fixed 2 yrs

4.14 8.00/m800 Both Par al 95%

Commonwealth BankWealth Package Residen al Fixed 2 yrs 150k+

3.99 395/a595 Both Par al 95%

CUAPremium Fixed ‐ Owner Occupier 2 yrs

4.06 Nil795 Both Full 95%

Defence BankEssen als Fixed 2 yrs

4.08 8.00/m970 Both No 95%

FirstmacVIP Pack Fixed 2 yrs

4.09 Nil520 Both No 90%

Gateway Credit UnionPremium Residen al Fixed 2 yrs 150k+

3.83 299/a750 Both No 80%

Home Loans Star Ra ngs 2017 ‐ Page 125Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Gateway Credit UnionResiden al Fixed 2 yrs

4.03 Nil750 Both No 80%

Holiday Coast CUFixed N Easy 2 yrs

3.99 8.00/m664 Both No 95%

HomeloansOp ma Fixed ‐ Owner Occupied PI 2 yrs

4.18 198.00/a1056 P+I No 80%

Horizon Credit UnionFixed Rate Home Loan 2 yrs

3.99 Nil945 Both Full 95%

HSBC2yr Fixed 2 yrs

3.95 Nil853 Both No 90%

HSBCPremier 2yr Fixed 2 yrs 500k+

3.95 Nil553 Both No 90%

Hume BankResiden al Fixed (Refinance) 2 yrs

4.19 NilNil Both No 97%

Hume BankResiden al Fixed 2 yrs

4.19 Nil750 Both No 97%

Hunter UnitedLow 2 year Fixed Rate Home Loan 2 yrs

4.08 8.00/m350 P+I No 95%

Illawarra CU NSWFixed 2 yrs

4.15 Nil607 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 126Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

IMBResiden al Fixed 2 yrs 90%

3.85 6.00/m769 Both No 95%

iMortgageFusion Fixed PI 80 2 yrs

3.95 120.00/a363 P+I No 80%

ING DIRECTOrange Advantage Residen al Fixed 2 yrs 150k+

4.04 199/a519 Both No 95%

ING DIRECTResiden al Fixed 2 yrs

4.14 Nil519 Both No 95%

Liberty FinancialLiberty Fixed 2 yrs

4.19 295.00/aNil Both Full 85%

loans.com.auFixed ‐ Owner Occupier 2 yrs

3.99 Nil520 Both No 90%

MEFlexible Fixed OO Max 80 LVR 2 yrs

3.94 Nil400 Both No 80%

MEMember Package Flexible Fixed OO Max 80 LVR 2 yrs 40k+ 3.94 395/aNil Both No 80%

Mortgage HouseAdvantage Fixed 2 yrs 750k+

4.35 10.00/m895 Both Full 95%

My Credit UnionFixed Rate 2 yrs

4.24 Nil610 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 127Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

MyStateResiden al Fixed 2 yrs 80%

3.99 Nil350 Both No 95%

NABChoice Package Tailored Fixed ‐ IO 2 yrs 150k+

3.98 395/aNil IO No 95%

NABPrivate Tailored Pkg Tailored Fixed ‐ IO 2 yrs 150k+

3.98 750/aNil IO No 95%

NABStandard Fixed 2 yrs

4.08 8.00/m600 Both No 95%

NABTailored Fixed ‐ IO 2 yrs

4.08 8.00/m600 IO No 95%

Newcastle PermanentPremium Plus Package Residen al Fixed 2 yrs

3.89 395/aNil Both No 95%

Newcastle PermanentResiden al Fixed 2 yrs

3.89 NilNil Both No 95%

Northern Inland CUFixed Rate Owner Occupied 2 yrs

3.99 Nil930 P+I No 95%

People's Choice Credit UnionResiden al Fixed 2 yrs

4.09 8.00/m950 Both No 95%

Police BankPremium Fixed 2 yrs

3.99 Nil1045 Both No 95%

Home Loans Star Ra ngs 2017 ‐ Page 128Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

QBANKResiden al Fixed 2 yrs

4.19 NilNil Both No 95%

QT Mutual BankResiden al Fixed 2 yrs

3.79 Nil600 Both No 95%

Qudos BankFixed Rate 2 yrs

3.89 NilNil Both No 95%

RAMSFixed Rate IO 2 yrs

4.24 20.00/m870 IO No 95%

RAMSFixed Rate P&I 2 yrs

4.14 20.00/m870 P+I No 95%

Reduce Home LoansHome Owners Dream 2 Yr Fixed 2 yrs 80%

4.09 Nil1164 Both Full 95%

Regional Australia BankSteady Rate 2 yrs

3.99 Nil250 P+I No 95%

RESI Mortgage CorpFlexi Op ons Fixed 2 yrs

4.60 Nil854 Both Full 95%

SCUResiden al Fixed 2 yrs

4.00 Nil673 Both No 95%

SERVICE ONE Alliance BankResiden al Fixed 2 yrs

4.24 8.00/m750 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 129Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Southern Cross Credit UnionFixed Pla num Home Loan 2 yrs

3.99 400.00/a425 Both No 95%

Southern Cross Credit UnionFixed Pla num Professional Loan 2 yrs

3.90 400.00/a425 Both No 95%

St.George BankResiden al Fixed 2 yrs

4.14 10.00/m700 Both Par al 95%

Summerland Credit UnionStandard Fixed 2 yrs

3.99 Nil800 P+I No 95%

Suncorp BankHome Package Plus Owner Occupied Fixed 2 yrs 150k+

3.89 375/aNil Both No 95%

Suncorp BankOwner Occupied Fixed 2 yrs

4.04 10.00/m600 Both No 95%

The CapricornianSpecial Fixed 2 yrs

4.05 Nil785 Both Full 95%

The RockResiden al Fixed 2 yrs 80%

3.99 5.00/m950 Both No 95%

Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 2 yrs

3.89 Nil600 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 130Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

WestpacFixed Op ons 2 yrs

4.19 8.00/m600 Both No 95%

Yellow Brick RoadEmpower Fixed PI 2 yrs

4.19 Nil363 P+I No 95%

Yellow Brick RoadEmpower Package Empower Fixed PI 2 yrs 100k+

4.19 Nil363 P+I No 95%

AMP BankAffinity Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil295 Both No 90%

AMP BankSelect Package Residen al Classic Fixed 2 yrs 100k+

4.43 Nil895 Both No 90%

AussieOp mizer Fixed IO 2 yrs

4.44 NilNil IO No 95%

AussieOp mizer Plus Fixed IO 2 yrs

4.44 198.00/aNil IO No 95%

Auswide BankStandard Fixed 2 yrs 90%

4.44 10.00/m600 Both Full 95%

Bank of SydneyExpect More Residen al Fixed 2 yrs 100k+

4.14 395/a150 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 131Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank of SydneyResiden al Fixed 2 yrs

4.14 10.00/m780 Both No 90%

bcuResiden al Fixed 2 yrs

4.19 Nil600 Both No 95%

BOQResiden al Fixed 2 yrs

4.19 10.00/m450 Both No 95%

CiMortgage Plus Standard Fixed IO 2 yrs 80% 500k+

4.04 350/a649 IO No 90%

CiMortgage Plus Standard Fixed P&I 2 yrs 80% 500k+

3.99 350/a649 P+I No 90%

CiStandard Fixed P&I 2 yrs 500k+ 80%

4.19 8.00/m649 P+I No 90%

Delphi BankStandard Fixed 2 yrs

4.24 6.00/m1020 Both No 90%

ECU AustraliaStandard Fixed 2 yrs

4.30 Nil1020 Both No 95%

First Op on Credit UnionPackaged Home Loan Residen al Fixed 2 yrs 600k+

4.55 375/a657 Both Full 95%

HomeloansMoniPower Fixed 2 yrs

4.60 Nil363 Both Full 95%

Home Loans Star Ra ngs 2017 ‐ Page 132Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

HomeloansOp ma Fixed ‐ Owner Occupied IO 2 yrs

4.43 198.00/a1056 IO No 80%

HomeloansUltra Plus Fixed PI 2 yrs

4.10 120.00/a363 P+I No 95%

iMortgageFusion Fixed IO 80 2 yrs

4.15 120.00/a363 IO No 80%

Macquarie BankBasic Fixed Owner Occupied PI 2 yrs

4.19 NilNil P+I No 95%

Macquarie BankOffset Fixed Owner Occupied PI 2 yrs

4.19 199.00/sNil P+I No 95%

P&N BankResiden al Fixed IO 2 yrs 80%

3.99 8.00/m395 IO No 90%

P&N BankResiden al Fixed PI 2 yrs 80%

3.99 8.00/m395 P+I No 90%

Queenslanders CUFixed Rate P&I 2 yrs

4.39 Nil595 P+I Full 95%

RESI Mortgage CorpSmart Pro Fixed IO 2 yrs 80%

4.23 Nil649 IO No 95%

RESI Mortgage CorpSmart Pro Fixed P&I 2 yrs 80%

4.03 Nil649 P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 133Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

The CapricornianLifestyle Fixed 2 yrs

4.30 10.00/m785 Both Full 95%

The CapricornianPremium Choice Fixed 2 yrs

4.15 Nil785 Both Full 95%

The MutualPremium Fixed 2 yrs

4.09 Nil300 Both No 95%

Yellow Brick RoadEmpower Fixed IO 2 yrs

4.44 Nil363 IO No 90%

Yellow Brick RoadEmpower Package Empower Fixed IO 2 yrs 100k+

4.44 Nil363 IO No 90%

AMP BankBasic Fixed 2 yrs

4.43 Nil545 Both No 90%

AMP BankProfessional Package Residen al Classic Fixed 2 yrs 100k+ 4.43 349/aNil Both No 90%

AMP BankResiden al Classic Fixed 2 yrs

4.70 Nil895 Both No 90%

Bank of SydneyExpect More Residen al Fixed PAYG 2 yrs 100k+

4.59 395/a780 Both No 90%

Home Loans Star Ra ngs 2017 ‐ Page 134Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017

Company Product Rate (%)*

Principal+ Int/Int Only or Both

Loan Fees at 250K ($)

Upfront

Addi onalRepayments Allowed

100% Offset 

AvailableOngoingMax LVR 

(%)Split 

FacilityRedraw Facility

Established 2 Year Fixed $750,000

Home Loans Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

CiStandard Fixed IO 2 yrs 500k+ 80%

4.24 8.00/m649 IO No 90%

First Op on Credit UnionResiden al Fixed 2 yrs

4.95 Nil657 Both Full 95%

HomeloansUltra Plus Fixed IO 2 yrs

4.30 120.00/a363 IO No 95%

The MacStandard Fixed 2 yrs

4.64 Nil1463 Both No 95%

Woolworths Employees CUOwner Occupied Fixed 2 yrs

4.74 NilNil P+I No 95%

Home Loans Star Ra ngs 2017 ‐ Page 135Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017