cdn.canstar.com.au · Company Product Rate (%)* Principal+ Int/IntOnly or Both Loan Fees at 250K...
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Company Product Rate (%)* Principal+ Int/Int Only or Both Loan Fees at 250K ($) Upfront Required Offset Available Ongoing Max LVR (%) Size (%) First Home Buyer Variable $200,000 Genuine Savings Length Family Guarantee Available We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Home Loans Star Ratings "Outstanding Value" Bank Australia Basic Home Loan ‐OO (LVR <80%) 3.79 Nil Nil No 80% 6 mths 5.00% P+I Click Loans The Online Home Loan 80 150‐499k 3.69 Nil 440 No 80% 3 mths 5.00% Both Click Loans The Online Offset Home Loan 80% 3.73 Nil 440 Full 80% 3 mths 5.00% P+I CUA Fresh Start Basic 3.89 Nil 795 No 80% 3 mths 5.00% Both CUA Fresh Start Variable 4.11 Nil 195 Full 80% 3 mths 5.00% Both Freedom Lend Freedom Variable PI 3.53 Nil Nil Full 80% N/A N/A P+I G&C Mutual Bank Get Ahead Start Home Ln 3.99 Nil 500 Full 100% N/A N/A P+I Gateway Credit Union Premium Variable 80% 150k+ 3.73 299/a 200 Full 95% 3 mths 5.00% Both Heritage Bank Discount Variable 150k+ 3.79 Nil 750 No 95% 3 mths 5.00% Both HSBC Home Value ‐ Owner Occupier 3.75 Nil 270 No 90% N/A N/A Both Home Loans Star RaƟngs 2017 ‐ Page 260 Report Date: March, 2017. (All informaƟon is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Transcript of cdn.canstar.com.au · Company Product Rate (%)* Principal+ Int/IntOnly or Both Loan Fees at 250K...
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Home Loan ‐OO (LVR <80%)
3.79 NilNil No 80% 6 mths 5.00%P+I
Click LoansThe Online Home Loan 80 150‐499k
3.69 Nil440 No 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80%
3.73 Nil440 Full 80% 3 mths 5.00%P+I
CUAFresh Start Basic
3.89 Nil795 No 80% 3 mths 5.00%Both
CUAFresh Start Variable
4.11 Nil195 Full 80% 3 mths 5.00%Both
Freedom LendFreedom Variable PI
3.53 NilNil Full 80% N/A N/AP+I
G&C Mutual BankGet Ahead Start Home Ln
3.99 Nil500 Full 100% N/A N/AP+I
Gateway Credit UnionPremium Variable 80% 150k+
3.73 299/a200 Full 95% 3 mths 5.00%Both
Heritage BankDiscount Variable 150k+
3.79 Nil750 No 95% 3 mths 5.00%Both
HSBCHome Value ‐ Owner Occupier
3.75 Nil270 No 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 260Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
IMBBudget ‐ Owner Occupied 90%
3.87 Nil769 No 95% 3 mths 5.00%Both
IMBEssen als ‐ Owner Occupied 90%
4.09 NilNil Full 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Orange Advantage Variable 80% 150‐499k 3.89 199/a299 Full 80% N/A N/ABoth
ING DIRECTOrange Advantage Variable 150‐499k 80%
3.89 199.00/a299 Full 95% N/A N/ABoth
loans.com.auEssen als ‐ Owner Occ ‐ PI
3.59 Nil520 No 80% 3 mths 5.00%P+I
loans.com.auOffset Variable‐Owner Occupier <80%
3.67 Nil520 Full 80% 3 mths 5.00%Both
P&N Bank& Home Loan
3.99 Nil395 Full 90% 3 mths 5.00%P+I
P&N BankHome Loan & Bag & Home Loan 10k+
3.99 Nil395 Full 90% 3 mths 5.00%P+I
Pacific Mortgage GroupVariable
3.60 NilNil Full 95% N/A N/ABoth
QBANKClassic Home Loan P&I Only
3.87 NilNil No 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 261Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
QBANKClassic Offer 80%
3.88 NilNil No 95% N/A N/ABoth
QT Mutual BankMortgage Saver
3.88 NilNil No 95% N/A N/AP+I
Reduce Home LoansRate Buster 100% Offset Variable
3.47 Nil570 Full 80% 6 mths 15Both
Reduce Home LoansRate Buster Standard Variable
3.39 Nil570 No 80% N/A 15Both
State CustodiansBreathe Easy Offset 80%
3.82 Nil286 Full 95% 3 mths 5.00%Both
State CustodiansStandard Variable Offset 80%
3.69 299.00/a286 Full 95% 3 mths 5.00%Both
The RockEssen als Special 80%
3.99 Nil650 Full 90% N/A N/ABoth
UBankValue Offer ‐ 20% Deposit Minimum
3.74 NilNil No 80% 3 mths 20.00%P+I
Victoria Teachers Mutual BankComplete Variable First Home Buyer 80%
3.89 NilNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Variable ‐ Owner Occupied 80%
3.89 Nil600 Full 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 262Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Variable ‐ Owner Occupied 80% 3.89 NilNil Full 95% 6 mths 5.00%P+I
Adelaide BankSmartSaver 90%
4.04 Nil495 No 95% N/A N/ABoth
AMP BankBasic Variable Loan P+I
3.98 Nil545 Full 90% N/A N/AP+I
AussieOp mizer Plus Variable PI 100‐749k 80%
3.86 198.00/aNil Full 95% 3 mths 5.00%P+I
AussieOp mizer Variable PI 100‐749k 80%
3.86 NilNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Variable 100‐499k 80%
3.95 NilNil No 95% 3 mths 5.00%Both
Bank AustraliaPremium Package Premium 100‐399k
4.02 350/a595 Full 95% 6 mths 5.00%P+I
Bank of MelbourneBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
Bank of SydneyExpect More Variable 100k+
3.94 395/aNil Full 90% 6 mths 5.00%Both
Bank of SydneyExpect More Variable PAYG 100k+
3.79 395/aNil Full 80% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 263Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankSABasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
BankVicBase Variable
3.99 Nil600 No 95% 3 mths 5.00%P+I
BankwestComplete Home Loan Variable Owner Occupied 80% 200k+ 3.85 395/a250 Full 80% 3 mths 5.00%Both
BankwestPremium Select Home Loan Owner Occ 80%
4.02 Nil250 Full 90% 3 mths 5.00%Both
bcuMaximum Discount Variable
4.25 Nil600 Full 95% N/A N/ABoth
bcuOMG! Variable Rate
3.69 198.00/a900 No 80% N/A N/ABoth
BOQEconomy
3.89 10.00/m450 No 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80 150‐499k
3.73 198.00/a363 Full 80% 3 mths 5.00%Both
CUAFresh Start Access
4.16 Nil195 Full 95% 3 mths 5.00%Both
Easy Street Fin ServicesStandard Variable Rate Home Loan
4.10 Nil500 Full 80% 3 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 264Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
FirstmacVIP Pack 80 P&I
3.89 Nil520 Full 80% 3 mths 5.00%P+I
FirstmacVital 80 P&I
3.79 Nil720 No 80% 3 mths 5.00%P+I
Freedom LendFreedom Variable IO 80%
3.93 375.00/aNil Full 95% N/A N/AIO
Heritage BankHome Advantage Variable 150‐249k
3.88 350/a150 Full 95% 3 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ PI 80 150‐499k
3.83 198.00/a1056 Full 80% 3 mths 5.00%P+I
Horizon Credit UnionSPECIAL Value Plus Home Loan
4.09 8.00/m960 Full 95% 6 mths 5.00%P+I
HSBCHome Value ‐ OO (Fee Free Op on)
3.78 NilNil No 90% N/A N/ABoth
Hume BankProperty Package Variable 150‐249k
4.40 375/aNil Full 97% 3 mths 5.00%Both
iMortgageFusion Variable PI 80 200‐499k
3.69 120.00/a363 No 80% 3 mths 5.00%P+I
ING DIRECTMortgage Simplifier 150‐499k
4.04 Nil519 No 80% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 265Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Macquarie Credit UnionPower 200‐k
3.69 400.00/aNil Full 95% N/A N/ABoth
Mortgage HouseEssen als 80
3.82 10.00/m595 Full 80% N/A N/AP+I
MOVE ‐ People Driven BankingEconomy
3.99 5.00/m450 Full 80% N/A N/ABoth
MOVE ‐ People Driven BankingFirst Home Owners Loan
3.99 Nil450 Full 97% 3 mths 5.00%Both
MyStateSpecial Residen al Home Loan 80%
3.99 Nil650 Full 95% N/A N/ABoth
NABBase Variable Rate ‐ P&I
4.10 Nil600 No 95% 3 mths 5.00%P+I
Newcastle PermanentPremium Plus Package Home Loan 150‐499k
3.74 395/aNil Full 90% 3 mths 5.00%Both
Qudos BankLow Cost Home Loan‐ OO 150‐249k
4.24 NilNil Full 95% 3 mths 5.00%Both
SCUMy Life Variable Rate Package 150‐249k
4.07 350/a473 Full 95% 3 mths 5.00%Both
Select Encompass Credit UnionVariable Home Loan
4.24 NilNil Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 266Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
St.George BankBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan PI 80
4.04 8.00/m800 Full 80% N/A N/AP+I
Suncorp BankOO Back To Basics 90%
3.88 Nil600 No 95% 3 mths 5.00%Both
Teachers Mutual BankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
The MacBasic Variable 150‐249k
4.24 Nil1320 No 95% N/A N/ABoth
UniBankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable First Home Buyer 80% 3.79 300/aNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable OO 80%
3.79 300/a300 Full 95% 6 mths 5.00%P+I
Virgin MoneyReward Me ‐ Owner Occupied Var 80 75‐499k
3.89 10.00/m150 Full 80% N/A N/ABoth
Woolworths Employees CUOwner Occupied Special Offer
4.21 NilNil Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 267Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Adelaide BankSmar it Variable 90%
4.09 15.00/m495 Full 95% N/A N/ABoth
AMP BankAffinity Package Classic Variable IO 100‐249k
4.52 Nil895 Full 90% N/A N/AIO
AMP BankAffinity Package Classic Variable P+I 100‐249k
4.22 Nil295 Full 90% N/A N/AP+I
AMP BankBasic Variable Loan IO
4.28 Nil545 Full 90% N/A N/AIO
AMP BankEssen al Home Loan
3.89 Nil295 No 90% N/A N/AP+I
AMP BankProfessional Package Classic Variable IO 100‐249k
4.52 349/a895 Full 90% N/A N/AIO
AMP BankProfessional Package Classic Variable P+I 100‐249k
4.22 349/aNil Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable IO 100‐249k
4.52 Nil895 Full 90% N/A N/AIO
AMP BankSelect Package Classic Variable P+I 100‐249k
4.22 Nil295 Full 90% N/A N/AP+I
ANZBreakfree Variable 150‐249k
4.75 Nil160 Full 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 268Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
ANZSimplicity Plus
4.55 Nil160 No 90% N/A N/ABoth
AussieOp mizer Plus Variable IO 100‐749k
4.09 198.00/aNil Full 80% 3 mths 5.00%IO
AussieOp mizer Variable IO 100‐749k
4.09 NilNil No 80% 3 mths 5.00%IO
AussieSelect Standard Variable 100‐499k 80%
3.95 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankStandard Variable Offset 80%
4.69 Nil1014 Full 95% 3 mths 10.00%Both
Auswide BankFreedom Package Standard Variable 150k+
3.89 395/aNil Full 90% 3 mths 5.00%Both
Auswide BankRBA Rate Tracker Home Loan
3.99 Nil900 No 80% N/A N/AP+I
B&E Personal BankingFlexiDiscount LVR Special
3.99 10.00/m230 No 80% 3 mths 5.00%P+I
B&E Personal BankingTopline 90%
4.19 Nil650 Full 95% 3 mths 5.00%P+I
Bank AustraliaPremium
4.82 Nil595 Full 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 269Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of MelbourneAdvantage Package Variable P&I 150‐249k
4.62 395/aNil Full 95% 3 mths 5.00%P+I
Bank of MelbourneBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
BankSAAdvantage Package Variable P&I 150‐249k
4.69 395/a700 Full 95% 3 mths 5.00%P+I
BankSABasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
BankVic2 Year Introductory Variable 2 yrs
3.79 Nil600 No 95% 3 mths 5.00%P+I
BankVicoffset
4.64 Nil600 Full 95% 3 mths 5.00%P+I
BankVicPremium Home standard variable 50‐249k
4.34 375/aNil Full 95% 3 mths 5.00%Both
BankVicstandard variable
4.59 Nil600 Full 95% 3 mths 5.00%Both
BankwestRegular Saver Home Loan Owner Occ
4.85 Nil250 Full 95% 3 mths 5.00%Both
bcuDiscount Variable Rate
4.55 Nil600 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 270Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
bcuStandard Variable
4.95 Nil600 Full 95% N/A N/ABoth
Bendigo BankBasic Variable Owner Occupied
4.28 10.00/m350 No 95% N/A N/ABoth
Bendigo BankConnect Package Variable Owner Occupied
4.53 20/mNil Full 95% N/A N/ABoth
Bendigo BankResiden al Variable 50‐249k
4.88 10.00/mNil Full 95% N/A N/ABoth
Beyond BankBasic Variable
4.40 11.00/m595 No 95% N/A N/AP+I
Beyond BankPinnacle +Plus Pkg Variable 200‐299k
4.80 NilNil Full 95% N/A N/ABoth
Beyond BankTotal Home Loan Variable 50‐299k
4.60 395/aNil Full 95% N/A N/ABoth
Beyond BankVariable
5.10 Nil595 Full 95% N/A N/ABoth
BOQClear Path Variable Home Loan
4.47 10.00/m150 Full 95% 3 mths 5.00%Both
CiMortgage Plus Offset Variable IO 80% 150‐499k
4.27 350/a649 Full 90% 6 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 271Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiMortgage Plus Offset Variable P&I 80% 150‐499k
4.22 350/aNil Full 90% 6 mths 5.00%P+I
Commonwealth BankEconomiser Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankNo Fee Variable Rate
4.52 NilNil No 95% N/A N/ABoth
Commonwealth BankRate Saver Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankWealth Package Discount Intro Variable 1 yr 150k+
4.52 395/a595 Full 95% N/A N/ABoth
Commonwealth BankWealth Package Standard Variable 150‐349k
4.72 395/a595 Full 95% N/A N/ABoth
Community First CUAccelerator Home Loan True Value Var Hl 100‐249k
4.37 395/a660 Full 95% 3 mths 20.00%Both
Community First CUTrue Basic Home Loan 80%
4.10 Nil600 No 95% 3 mths 20.00%Both
CUABasic Variable
4.68 Nil795 No 95% 3 mths 5.00%Both
CUAVariable
4.69 Nil795 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 272Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Defence BankEssen als Variable
4.45 8.00/m970 Full 95% 3 mths 5.00%Both
ECU AustraliaPremium Plus Standard Variable 150.00001‐k
4.52 360/aNil Full 95% 6 mths 5.00%Both
ECU AustraliaStandard Variable
5.12 Nil1020 Full 95% 6 mths 5.00%Both
FCCS Credit UnionFirst Home Buyers 1 yr
4.29 Nil750 No 80% N/A N/ABoth
FCCS Credit UnionRewards
4.69 Nil750 Full 95% N/A N/ABoth
First Op on Credit UnionPackaged Home Loan Standard Variable 5‐599k
4.44 375/a657 Full 95% 12 mths 20.00%Both
FirstmacHome Loan 80
4.29 Nil520 Full 80% 3 mths 5.00%Both
FirstmacVIP Pack 80 IO
4.09 Nil520 Full 80% 3 mths 5.00%IO
FirstmacVital 80 IO
3.99 Nil720 No 80% 3 mths 5.00%IO
G&C Mutual BankSolu ons Package Solu ons
4.76 350/aNil Full 95% N/A 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 273Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
G&C Mutual BankStandard Variable
5.15 Nil500 Full 95% 0 mths 5.00%Both
Gateway Credit UnionLow Rate Essen als
4.32 Nil275 No 80% 3 mths 5.00%Both
Gateway Credit UnionVariable 80%
4.96 Nil750 Full 95% 3 mths 5.00%Both
Holiday Coast CUHome Sweet Home Standard
4.64 360.00/a264 Full 95% 3 mths 5.00%Both
Holiday Coast CUKeep It Simple Standard
4.64 Nil664 No 95% 3 mths 5.00%Both
HomeloansMonipower
4.24 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ IO 80 150‐749k
4.06 198.00/a1056 Full 80% 3 mths 5.00%IO
HomeloansUltra Plus Variable IO 80 200‐499k
4.09 120.00/a363 No 80% N/A N/AIO
HomeloansUltra Plus Variable PI 80 200‐499k
3.89 120.00/a363 No 80% 3 mths 5.00%P+I
Horizon Credit UnionBasic Home Loan
4.59 5.00/m945 Full 95% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 274Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Horizon Credit UnionClassic Home Loan
4.99 NilNil Full 95% 6 mths 5.00%Both
Horizon Credit UnionKickstart First Home Buyer Loan
4.34 8.00/m945 Full 95% 6 mths 5.00%P+I
Horizon Credit UnionMortgage Breaker Home Loan
4.59 150.00/a860 Full 95% 6 mths 5.00%Both
Hume BankInterest Saver
4.45 Nil750 No 95% 3 mths 5.00%Both
Hume BankInterest Saver (Refinance)
4.45 Nil150 No 95% 3 mths 5.00%Both
Hume BankVariable
5.10 Nil750 Full 97% 3 mths 5.00%Both
Hume BankVariable (Refinance)
5.10 Nil150 Full 97% 3 mths 5.00%Both
Hunter UnitedBasic Variable
4.55 8.00/m350 No 95% N/A N/AP+I
Hunter UnitedGreen Home Loan
4.50 8.00/m850 No 95% N/A N/AP+I
Hunter UnitedPackage Home Loan Variable 100k+
4.69 295/aNil Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 275Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
IMBIntroductory Variable 1 yr
4.09 10.00/m769 No 95% 3 mths 5.00%Both
IMBPla num Package Standard Variable 90% 150‐249k
4.59 Nil324 Full 80% 3 mths 5.00%Both
iMortgageEssen al 80%
3.89 Nil363 No 90% 3 mths 5.00%Both
iMortgageFusion Variable IO 80 200‐499k
3.89 120.00/a363 No 80% 3 mths 5.00%IO
Liberty FinancialLiberty Free 70 ‐ 80 LVR
4.39 NilNil Full 80% N/A N/AP+I
Liberty FinancialLiberty Sharp 70 ‐ 80 LVR
4.14 Nil995 No 80% N/A N/ABoth
Liberty FinancialLiberty Star 70 ‐ 80 LVR
4.14 295.00/aNil Full 80% N/A N/AP+I
Macquarie BankBasic Variable Owner Occupied PI 80 150‐749k
3.89 NilNil No 80% 0 mths 5.00%P+I
Macquarie BankOffset Variable Owner Occupied PI 150‐749k 80%
3.89 199.00/sNil Full 90% N/A N/AP+I
Macquarie Credit UnionHome Loan Variable
4.89 Nil561 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 276Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
MEBasic Home Loan OO Max 80 LVR
4.09 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Home Loan OO Max 80 LVR 150‐399k 3.94 395/a400 Full 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Home Loan 80
4.32 Nil500 Full 80% N/A N/AP+I
Mortgage HouseAdvantage Standard Variable
4.57 10.00/m595 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable 100‐749k
4.57 10.00/m895 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable One 80
4.12 10.00/m500 Full 80% N/A N/AP+I
Mortgage HousePure and Simple 80
4.34 NilNil No 80% N/A N/AP+I
MOVE ‐ People Driven BankingmyHome Standard Variable Package
4.10 300/a450 Full 95% N/A N/ABoth
MOVE ‐ People Driven BankingStandard Variable Rate
4.85 Nil450 Full 95% N/A N/ABoth
My Credit UnionAdvantage Home Loan
4.74 Nil610 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 277Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
My Credit UnionHome Loan
4.54 Nil610 No 95% 3 mths 5.00%Both
NABBase Variable Rate ‐ IO
4.63 Nil600 No 95% 3 mths 5.00%IO
NABChoice Package Tailored Variable ‐ IO 20‐249k
4.75 395/aNil Full 90% 3 mths 5.00%IO
NABChoice Package Tailored Variable ‐ P&I 100‐249k
4.65 395/aNil Full 95% 3 mths 5.00%P+I
Newcastle PermanentDiscounted Real Deal 3 yrs
4.30 NilNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Plus Package Real Deal 50k+
4.55 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentReal Deal
4.55 NilNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentReal Op ons
4.95 NilNil Par al 95% 3 mths 5.00%Both
Northern Inland CUBasic Owner Occupied
4.53 10.00/m830 No 95% N/A N/AP+I
P&N BankSmooth Home Loan 80%
4.64 Nil395 No 90% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 278Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
People's Choice Credit UnionBasic Variable 90%
4.24 Nil200 No 95% 3 mths 5.00%Both
Pepper MoneyEssen al Full Doc 80%
4.40 10.00/m1039 Full 95% N/A N/AP+I
Pepper MoneyEssen al Full Doc PLUS 80%
4.65 10.00/m1039 Full 95% N/A N/ABoth
Police BankGoldrate Home Loan 30 yrs
4.04 Nil545 No 80% 3 mths 5.00%P+I
Police BankPremium Variable
4.74 Nil1045 Full 95% N/A N/ABoth
QBANKClassic Home Loan
4.49 NilNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Home Loan 100‐249k
4.54 25/mNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Offer 80% 100‐249k
4.49 25/mNil No 80% N/A N/ABoth
QBANKClassic Plus Residen al Variable 100‐249k
4.49 25/mNil Full 95% N/A N/ABoth
QBANKStandard Variable
4.99 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 279Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankChoices Mortgage Breaker 150‐249k
4.52 395/aNil Full 95% N/A N/ABoth
QT Mutual BankMortgage Breaker
4.92 Nil600 Full 95% N/A N/ABoth
QT Mutual BankTeachers' Life Mortgage Breaker 125‐249k
4.52 25/mNil Full 95% N/A N/ABoth
Qudos BankStandard Variable Rate
4.48 Nil600 Full 95% 3 mths 5.00%Both
Queenslanders CUOriginal Home Loan
4.68 Nil595 Full 95% N/A N/ABoth
RAMSLow Rate IO
4.55 Nil870 Full 95% 3 mths 5.00%IO
RAMSLow Rate P&I
4.45 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankBasic 25 yrs
4.42 Nil250 No 95% N/A N/ABoth
Regional Australia BankBasic Special 3 yrs
3.87 Nil250 No 95% N/A N/ABoth
Regional Australia BankPartnership Advantage Variable
4.37 375.00/aNil Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 280Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
RESI Mortgage CorpSmart Pro IO 200‐499k 80%
4.26 Nil649 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro P&I 200‐499k 80%
4.15 Nil649 No 95% 3 mths 5.00%P+I
SCUBasic Home Loan
3.77 Nil673 No 95% 3 mths 5.00%P+I
SCUProPack 150‐249k
4.65 Nil673 Full 95% 3 mths 5.00%Both
SCUStandard Variable
5.00 Nil673 Full 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankStandard Variable 50‐249k
4.60 8.00/m750 Full 95% 3 mths 5.00%Both
St.George BankAdvantage Package Variable P&I 150‐249k
4.70 395/aNil Full 95% 3 mths 5.00%P+I
St.George BankBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
Summerland Credit UnionEco Home Loan
4.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan
4.24 8.00/m800 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 281Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We 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.
Home Loans Star Ratings
Summerland Credit UnionPremium
4.17 380.00/aNil No 95% 3 mths 5.00%P+I
Summerland Credit UnionPremium PI 80
3.97 380.00/aNil No 80% N/A N/AP+I
Suncorp BankHome Package Plus Owner Occupied Variable 80% 150‐499k 4.60 375/aNil Full 90% 3 mths 5.00%Both
Teachers Mutual BankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
Teachers Mutual BankSolu ons Plus <$250k 80%
4.04 200.00/a750 Full 95% 3 mths 5.00%Both
The CapricornianPremium Choice Variable 50‐249k
4.69 Nil785 Full 95% N/A N/ABoth
The MacHome Loan
4.94 Nil1463 No 95% N/A N/ABoth
The MacOffset Home Loan
4.94 Nil1320 Full 95% N/A N/ABoth
The MutualBudget
4.18 Nil150 No 90% 6 mths 10.00%P+I
The MutualMutual
4.38 Nil300 Par al 90% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 282Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We 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.
Home Loans Star Ratings
The MutualPremium Variable
4.73 NilNil Full 95% 3 mths 5.00%Both
The RockRockstar Package Rock Star Package Variable 80% 150k+
4.23 350/aNil Full 95% N/A N/ABoth
UBankUHomeLoan ‐ Real Reward Offer IO
4.13 NilNil No 80% 3 mths 20.00%IO
UBankUHomeLoan ‐ Standard Variable IO
4.46 NilNil No 80% 3 mths 20.00%IO
UBankUHomeLoan ‐ Standard Variable PI
4.17 NilNil No 80% 3 mths 20.00%P+I
UniBankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
UniBankSolu ons Plus <$250k 80%
4.04 200.00/a750 Full 95% 3 mths 5.00%Both
Victoria Teachers Mutual BankStandard Variable OO 80%
4.59 Nil600 Full 95% 6 mths 5.00%P+I
WestpacFlexi First Op on IO
4.76 Nil750 No 95% 3 mths 5.00%IO
WestpacFlexi First Op on P&I
4.64 Nil750 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 283Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
WestpacPremier Advantage Rocket Repay Home Loan P&I 150‐249k 4.69 395/a150 Full 95% 3 mths 5.00%P+I
WestpacSpecial Flexi First Op on IO 3 yrs
4.03 Nil750 No 80% 3 mths 5.00%IO
WestpacSpecial Flexi First Op on P&I 3 yrs
3.99 Nil750 No 95% 3 mths 5.00%P+I
Woolworths Employees CUStandard Variable
4.71 NilNil Full 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Package Empower Variable IO 100‐749k
4.09 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Variable PI 0‐80
3.86 Nil363 No 80% N/A N/AP+I
Yellow Brick RoadEmpower Variable IO 100‐749k
4.09 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Variable PI 0‐80 100‐749k
3.86 Nil363 No 80% N/A N/AP+I
ANZVariable
5.25 5.00/m760 Full 90% N/A N/ABoth
Arab Bank AustraliaEssen als Home Loan
5.34 Nil250 Full 95% 12 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 284Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Arab Bank AustraliaThe Basics
5.24 8.00/m600 No 95% 12 mths 20.00%P+I
B&E Personal BankingResiden al FlexiChoice
5.12 10.00/m650 Full 95% 3 mths 5.00%P+I
Bank of MelbourneAdvantage Package Variable IO 150‐249k
4.74 395/a700 Full 95% 3 mths 5.00%IO
Bank of MelbourneVariable IO
5.34 10.00/m700 Full 95% 3 mths 5.00%IO
Bank of MelbourneVariable P&I
5.22 10.00/m700 Full 95% 3 mths 5.00%P+I
BankSAAdvantage Package Variable IO 150‐249k
4.81 395/a700 Full 95% 3 mths 5.00%IO
BankSAVariable IO
5.41 10.00/m700 Full 95% 3 mths 5.00%IO
BankSAVariable P&I
5.29 10.00/m700 Full 95% 3 mths 5.00%P+I
BankwestVariable Owner Occupied 80%
5.35 Nil250 Full 95% 3 mths 5.00%Both
BOQFirst Start 1 yr
4.61 10.00/m645 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 285Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Catalyst MoneyVariable Lite IO
5.15 Nil607 Full 95% N/A N/AIO
Catalyst MoneyVariable Lite PI
5.10 Nil607 Full 95% N/A N/AP+I
CiBasic Variable IO 50‐499k 80%
4.47 Nil649 No 90% N/A N/AIO
CiBasic Variable P&I 50‐499k 80%
4.42 Nil649 No 90% N/A N/AP+I
CiMortgage Plus Variable IO 80% 150‐499k
4.27 350/aNil No 90% 6 mths 5.00%IO
CiMortgage Plus Variable P&I 80% 150‐499k
4.22 350/a649 No 90% 6 mths 5.00%P+I
Commonwealth BankDiscount Intro Variable 1 yr
4.52 8.00/m800 Full 95% N/A N/ABoth
Commonwealth BankEconomiser
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankRate Saver
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankStandard Variable
5.22 8.00/m800 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 286Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Community First CUTrue Value Var Hl
5.17 Nil600 Full 95% 3 mths 20.00%Both
Delphi BankComplete
5.37 6.00/m770 No 90% 6 mths 10.00%Both
Delphi BankEssen al
5.37 8.00/m1020 No 90% 6 mths 10.00%Both
First Op on Credit UnionStandard Variable
4.99 Nil657 Full 95% 12 mths 20.00%Both
Heritage BankVariable
5.04 8.00/m150 Full 95% 3 mths 5.00%Both
Holiday Coast CULive Life Standard
5.24 8.00/m664 Full 95% 3 mths 5.00%Both
HSBCHome Smart
5.23 Nil853 Full 90% N/A N/AP+I
HSBCVariable
5.23 Nil853 Full 90% N/A N/ABoth
Hunter UnitedInterest Only
4.90 Nil350 No 90% N/A N/AIO
Illawarra CU NSWVariable Lite IO
5.15 Nil607 Full 95% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 287Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Illawarra CU NSWVariable Lite PI
5.10 Nil607 Full 95% N/A N/AP+I
IMBStandard Variable 90%
5.09 Nil769 Full 95% 3 mths 5.00%Both
Macquarie Credit UnionBasic Home Loan
4.64 Nil561 No 95% 3 mths 3.00%P+I
Macquarie Credit UnionFirst Home Buyers 3 yrs
4.39 Nil464 Full 95% 3 mths 5.00%P+I
Macquarie Credit UnionIntroductory Rate Home Loan 1 yr
4.39 Nil561 Full 95% 3 mths 3.00%P+I
MEFlexible Home Loan OO Max 80 LVR
5.03 Nil400 Full 80% 3 mths 5.00%Both
MyStateStandard Variable
5.23 Nil350 Full 95% N/A N/ABoth
NABBase Variable Indicator Rate
5.04 Nil600 No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Tailored Variable ‐ P&I 100‐249k
4.65 750/a600 Full 95% 3 mths 5.00%P+I
NABTailored Variable ‐ IO
5.35 8.00/m600 Full 90% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 288Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABTailored Variable ‐ P&I
5.25 8.00/m600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentPremium Plus Package Real Op ons
4.95 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Variable
5.17 NilNil Full 95% 3 mths 5.00%Both
Northern Inland CUSmart Variable Owner Occupied
5.33 Nil930 Full 95% N/A N/AP+I
P&N BankEasypay Variable 80%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
P&N BankEasypay Variable 95%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
People's Choice Credit UnionStandard Variable
5.21 Nil950 Full 95% 3 mths 5.00%Both
RAMSFull Feature IO
5.45 Nil870 Full 95% 3 mths 5.00%IO
RAMSFull Feature P&I
5.35 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankMortgage Offset
5.22 Nil250 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 289Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
St.George BankAdvantage Package Variable IO 150‐249k
4.82 395/a700 Full 95% 3 mths 5.00%IO
St.George BankVariable IO
5.42 10.00/m700 Full 95% 3 mths 5.00%IO
St.George BankVariable P&I
5.30 10.00/m700 Full 95% 3 mths 5.00%P+I
Summerland Credit UnionECO Home Loan Standard
5.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionHome Loan Plus
5.17 Nil800 No 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan Standard
5.24 Nil800 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
The CapricornianLifestyle Variable
5.19 10.00/m785 Full 95% N/A N/ABoth
Transport Mutual Credit UnionBasic Variable
4.81 Nil1010 Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 290Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
UniBankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
UniBankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
WestpacPremier Advantage Rocket Repay Home Loan IO 150‐249k 4.81 395/a150 Full 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan IO
5.41 8.00/m750 Full 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan P&I
5.29 8.00/m750 Full 95% 3 mths 5.00%P+I
AMP BankClassic Variable IO
5.73 10.00/m895 Full 90% N/A N/AIO
AMP BankClassic Variable P+I
5.43 10.00/m895 Full 90% N/A N/AP+I
Arab Bank AustraliaHeadStart Intro Variable 1 yr
3.90 8.00/m600 No 95% 12 mths 20.00%P+I
Auswide BankStandard Variable
5.43 10.00/m600 Full 90% 3 mths 5.00%Both
B&E Personal BankingFlexiDiscount
5.02 10.00/m650 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 291Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
B&E Personal BankingFlexiLine
5.12 10.00/m650 Full 80% 3 mths 5.00%P+I
Bank of SydneyVariable
5.64 10.00/m990 Full 95% 6 mths 5.00%Both
BOQStandard Variable
5.61 10.00/m450 Full 95% 3 mths 5.00%Both
CiOffset Variable IO 50‐499k 80%
5.68 8.00/m649 Full 90% 6 mths 5.00%IO
CiOffset Variable P&I 50‐499k 80%
5.63 8.00/m649 Full 90% 6 mths 5.00%P+I
CiVariable IO 50‐499k 80%
5.68 8.00/m649 No 90% 6 mths 5.00%IO
CiVariable P&I 50‐499k 80%
5.63 8.00/m649 No 90% 6 mths 5.00%P+I
Suncorp BankOwner Occupied Variable 80%
5.55 10.00/m600 Full 95% 3 mths 5.00%Both
The CapricornianIntroductory Rate 1 yr 95%
3.89 Nil785 No 95% N/A N/AP+I
The RockVariable
5.73 5.00/m950 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 292Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Transport Mutual Credit UnionVariable
5.06 Nil1010 Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 293Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Home Loan ‐OO (LVR <80%)
3.79 NilNil No 80% 6 mths 5.00%P+I
bcuOMG! Variable Rate
3.69 198.00/a900 No 80% N/A N/ABoth
Click LoansThe Online Home Loan 80 150‐499k
3.69 Nil440 No 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80 150‐499k
3.73 198.00/a363 Full 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80%
3.73 Nil440 Full 80% 3 mths 5.00%P+I
Freedom LendFreedom Variable PI
3.53 NilNil Full 80% N/A N/AP+I
G&C Mutual BankGet Ahead Start Home Ln
3.99 Nil500 Full 100% N/A N/AP+I
Gateway Credit UnionPremium Variable 80% 150k+
3.73 299/a200 Full 95% 3 mths 5.00%Both
Heritage BankDiscount Variable 150k+
3.79 Nil750 No 95% 3 mths 5.00%Both
Heritage BankHome Advantage Variable 250‐699k
3.84 350/a150 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 294Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
HSBCHome Value ‐ Owner Occupier
3.75 Nil270 No 90% N/A N/ABoth
Hunter UnitedPla num Home Loan OO
3.79 8.00/mNil Full 80% N/A N/AP+I
IMBBudget ‐ Owner Occupied 90%
3.87 Nil769 No 95% 3 mths 5.00%Both
IMBEssen als ‐ Owner Occupied 90%
4.09 NilNil Full 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Orange Advantage Variable 80% 150‐499k 3.89 199/a299 Full 80% N/A N/ABoth
ING DIRECTOrange Advantage Variable 150‐499k 80%
3.89 199.00/a299 Full 95% N/A N/ABoth
loans.com.auEssen als ‐ Owner Occ ‐ PI
3.59 Nil520 No 80% 3 mths 5.00%P+I
loans.com.auOffset Variable‐Owner Occupier <80%
3.67 Nil520 Full 80% 3 mths 5.00%Both
Newcastle PermanentPremium Plus Package Home Loan 150‐499k
3.74 395/aNil Full 90% 3 mths 5.00%Both
Northern Inland CUDream Value Owner Occupied PI 80
3.84 350.00/a330 Full 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 295Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
P&N BankHome Loan & Bag & Home Loan 10k+
3.99 Nil395 Full 90% 3 mths 5.00%P+I
Pacific Mortgage GroupVariable
3.60 NilNil Full 95% N/A N/ABoth
QBANKClassic Offer 80%
3.88 NilNil No 95% N/A N/ABoth
Qudos BankLow Cost Home Loan‐ OO 250‐499k
3.89 NilNil Full 95% 3 mths 5.00%Both
Reduce Home LoansRate Buster 100% Offset Variable
3.47 Nil570 Full 80% 6 mths 15Both
Reduce Home LoansRate Buster Standard Variable
3.39 Nil570 No 80% N/A 15Both
State CustodiansBreathe Easy Offset 80%
3.82 Nil286 Full 95% 3 mths 5.00%Both
State CustodiansStandard Variable Offset 80%
3.69 299.00/a286 Full 95% 3 mths 5.00%Both
The RockEssen als Special 80%
3.99 Nil650 Full 90% N/A N/ABoth
Victoria Teachers Mutual BankComplete Variable First Home Buyer 80%
3.89 NilNil Full 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 296Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Victoria Teachers Mutual BankComplete Variable ‐ Owner Occupied 80%
3.89 Nil600 Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable First Home Buyer 80% 3.79 300/aNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Variable ‐ Owner Occupied 80% 3.89 NilNil Full 95% 6 mths 5.00%P+I
AMO GroupBasic Variable
3.83 120.00/a1180 No 80% N/A N/AP+I
AMO GroupVariable Home Loan
3.83 120.00/a1180 No 95% 3 mths 5.00%Both
AMP BankAffinity Package Classic Variable P+I 250‐499k
3.89 Nil295 Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable P+I 250‐499k
3.89 Nil295 Full 90% N/A N/AP+I
AussieOp mizer Plus Variable PI 100‐749k 80%
3.86 198.00/aNil Full 95% 3 mths 5.00%P+I
AussieOp mizer Variable PI 100‐749k 80%
3.86 NilNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Variable 100‐499k 80%
3.95 NilNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 297Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank AustraliaPremium Package Premium 100‐399k
4.02 350/a595 Full 95% 6 mths 5.00%P+I
Bank of SydneyExpect More Variable 100k+
3.94 395/aNil Full 90% 6 mths 5.00%Both
Bank of SydneyExpect More Variable PAYG 100k+
3.79 395/aNil Full 80% 6 mths 5.00%P+I
BankwestComplete Home Loan Variable Owner Occupied 80% 200k+ 3.85 395/a250 Full 80% 3 mths 5.00%Both
BankwestPremium Select Home Loan Owner Occ 80%
4.02 Nil250 Full 90% 3 mths 5.00%Both
BOQEconomy
3.89 10.00/m450 No 80% 3 mths 5.00%Both
Catalyst MoneyVariable IO
4.15 Nil607 Full 95% N/A N/AIO
Catalyst MoneyVariable PI
4.20 Nil607 Full 95% N/A N/AP+I
CUAFresh Start Access
4.16 Nil195 Full 95% 3 mths 5.00%Both
CUAFresh Start Basic
3.89 Nil795 No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 298Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CUAFresh Start Variable
4.11 Nil195 Full 80% 3 mths 5.00%Both
FirstmacVIP Pack 80 P&I
3.89 Nil520 Full 80% 3 mths 5.00%P+I
FirstmacVital 80 P&I
3.79 Nil720 No 80% 3 mths 5.00%P+I
Freedom LendFreedom Variable IO 80%
3.93 375.00/aNil Full 95% N/A N/AIO
G&C Mutual BankPremium Package Premium 300k+
3.99 375/aNil Full 95% 0 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ PI 80 150‐499k
3.83 198.00/a1056 Full 80% 3 mths 5.00%P+I
HSBCHome Value ‐ OO (Fee Free Op on)
3.78 NilNil No 90% N/A N/ABoth
Hume BankProperty Package Variable 250‐499k
4.30 375/aNil Full 97% 3 mths 5.00%Both
Illawarra CU NSWVariable IO
4.15 Nil607 Full 95% N/A N/AIO
Illawarra CU NSWVariable PI
4.20 Nil607 Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 299Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
iMortgageFusion Variable PI 80 200‐499k
3.69 120.00/a363 No 80% 3 mths 5.00%P+I
Macquarie Credit UnionPower 250.00001‐k
3.69 400.00/aNil Full 95% N/A N/ABoth
Mortgage HouseEssen als 80
3.82 10.00/m595 Full 80% N/A N/AP+I
MOVE ‐ People Driven BankingEconomy
3.99 5.00/m450 Full 80% N/A N/ABoth
MOVE ‐ People Driven BankingFirst Home Owners Loan
3.99 Nil450 Full 97% 3 mths 5.00%Both
MOVE ‐ People Driven BankingmyHome Standard Variable Package 250‐499k
4.00 300/a450 Full 95% N/A N/ABoth
MyStateSpecial Residen al Home Loan 80%
3.99 Nil650 Full 95% N/A N/ABoth
Northern Inland CUDream Value Owner Occupied IO 80
3.99 350.00/a330 Full 80% N/A N/AIO
P&N Bank& Home Loan
3.99 Nil395 Full 90% 3 mths 5.00%P+I
QBANKClassic Home Loan P&I Only
3.87 NilNil No 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 300Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankChoices Mortgage Breaker 250‐499k
4.12 395/aNil Full 95% N/A N/ABoth
QT Mutual BankMortgage Saver
3.88 NilNil No 95% N/A N/AP+I
QT Mutual BankTeachers' Life Mortgage Breaker 250‐499k
4.12 25/mNil Full 95% N/A N/ABoth
Queenslanders CUSpecial Variable Rate P&I 250‐499k
4.03 Nil595 Full 90% N/A N/AP+I
RESI Mortgage CorpFlexi Op ons 80%
4.09 Nil854 Full 95% 3 mths 5.00%Both
SCUMy Life Variable Rate Package 250‐499k
3.97 350/a473 Full 95% 3 mths 5.00%Both
Select Encompass Credit UnionVariable Home Loan
4.24 NilNil Full 95% N/A N/ABoth
Summerland Credit UnionOffset Home Loan PI 80
4.04 8.00/m800 Full 80% N/A N/AP+I
Suncorp BankOO Back To Basics 90%
3.88 Nil600 No 95% 3 mths 5.00%Both
Teachers Mutual BankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 301Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The MacBasic Variable 250‐499k
4.14 Nil1320 No 95% N/A N/ABoth
UBankValue Offer ‐ 20% Deposit Minimum
3.74 NilNil No 80% 3 mths 20.00%P+I
UniBankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable OO 80%
3.79 300/a300 Full 95% 6 mths 5.00%P+I
Virgin MoneyReward Me ‐ Owner Occupied Var 80 75‐499k
3.89 10.00/m150 Full 80% N/A N/ABoth
Adelaide BankSmar it Variable 90%
4.09 15.00/m495 Full 95% N/A N/ABoth
Adelaide BankSmartSaver 90%
4.04 Nil495 No 95% N/A N/ABoth
AMP BankAffinity Package Classic Variable IO 250‐749k
4.19 Nil895 Full 90% N/A N/AIO
AMP BankBasic Variable Loan IO
4.28 Nil545 Full 90% N/A N/AIO
AMP BankBasic Variable Loan P+I
3.98 Nil545 Full 90% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 302Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankEssen al Home Loan
3.89 Nil295 No 90% N/A N/AP+I
AMP BankProfessional Package Classic Variable IO 250‐749k
4.19 349/a895 Full 90% N/A N/AIO
AMP BankProfessional Package Classic Variable P+I 250‐499k
3.89 349/aNil Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable IO 250‐749k
4.19 Nil895 Full 90% N/A N/AIO
ANZBreakfree Variable 250‐499k
4.45 Nil160 Full 90% N/A N/ABoth
ANZSimplicity Plus
4.55 Nil160 No 90% N/A N/ABoth
AussieOp mizer Plus Variable IO 100‐749k
4.09 198.00/aNil Full 80% 3 mths 5.00%IO
AussieOp mizer Variable IO 100‐749k
4.09 NilNil No 80% 3 mths 5.00%IO
AussieSelect Standard Variable 100‐499k 80%
3.95 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankStandard Variable Offset 80%
4.69 Nil1014 Full 95% 3 mths 10.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 303Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Auswide BankFreedom Package Standard Variable 150k+
3.89 395/aNil Full 90% 3 mths 5.00%Both
Auswide BankRBA Rate Tracker Home Loan
3.99 Nil900 No 80% N/A N/AP+I
B&E Personal BankingFlexiDiscount LVR Special
3.99 10.00/m230 No 80% 3 mths 5.00%P+I
B&E Personal BankingTopline 90%
4.19 Nil650 Full 95% 3 mths 5.00%P+I
Bank AustraliaPremium
4.82 Nil595 Full 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Variable IO 250‐499k
4.59 395/a700 Full 95% 3 mths 5.00%IO
Bank of MelbourneAdvantage Package Variable P&I 250‐499k
4.47 395/aNil Full 95% 3 mths 5.00%P+I
Bank of MelbourneBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
Bank of MelbourneBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
BankSAAdvantage Package Variable IO 250‐499k
4.61 395/a700 Full 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 304Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankSAAdvantage Package Variable P&I 250‐499k
4.49 395/a700 Full 95% 3 mths 5.00%P+I
BankSABasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
BankSABasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
BankVic2 Year Introductory Variable 2 yrs
3.79 Nil600 No 95% 3 mths 5.00%P+I
BankVicBase Variable
3.99 Nil600 No 95% 3 mths 5.00%P+I
BankVicoffset
4.64 Nil600 Full 95% 3 mths 5.00%P+I
BankVicPremium Home standard variable 250‐749k
4.19 375/aNil Full 95% 3 mths 5.00%Both
BankVicstandard variable
4.59 Nil600 Full 95% 3 mths 5.00%Both
BankwestRegular Saver Home Loan Owner Occ
4.85 Nil250 Full 95% 3 mths 5.00%Both
bcuDiscount Variable Rate
4.55 Nil600 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 305Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
bcuMaximum Discount Variable
4.25 Nil600 Full 95% N/A N/ABoth
Bendigo BankBasic Variable Owner Occupied
4.28 10.00/m350 No 95% N/A N/ABoth
Bendigo BankConnect Package Variable Owner Occupied 250‐499k
4.33 20/mNil Full 95% N/A N/ABoth
Bendigo BankResiden al Variable 250‐499k
4.68 10.00/mNil Full 95% N/A N/ABoth
Beyond BankBasic Variable
4.40 11.00/m595 No 95% N/A N/AP+I
Beyond BankPinnacle +Plus Pkg Variable 300k+
4.60 NilNil Full 95% N/A N/ABoth
Beyond BankTotal Home Loan Variable 300‐499k
4.40 395/aNil Full 95% N/A N/ABoth
BOQClear Path Variable Home Loan
4.47 10.00/m150 Full 95% 3 mths 5.00%Both
CiMortgage Plus Offset Variable IO 80% 150‐499k
4.27 350/a649 Full 90% 6 mths 5.00%IO
CiMortgage Plus Offset Variable P&I 80% 150‐499k
4.22 350/aNil Full 90% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 306Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Commonwealth BankEconomiser Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankNo Fee Variable Rate
4.52 NilNil No 95% N/A N/ABoth
Commonwealth BankRate Saver Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankWealth Package Discount Intro Variable 1 yr 150k+
4.52 395/a595 Full 95% N/A N/ABoth
Commonwealth BankWealth Package Standard Variable 350‐749k
4.62 395/a595 Full 95% N/A N/ABoth
Community First CUAccelerator Home Loan True Value Var Hl 250k+
4.27 395/a660 Full 95% 3 mths 20.00%Both
Community First CUTrue Basic Home Loan 80%
4.10 Nil600 No 95% 3 mths 20.00%Both
CUABasic Variable
4.68 Nil795 No 95% 3 mths 5.00%Both
CUARate Breaker Rate Breaker 250k+
4.25 350/aNil Full 95% 3 mths 5.00%Both
Defence BankEssen als Variable
4.45 8.00/m970 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 307Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Easy Street Fin ServicesStandard Variable Rate Home Loan
4.10 Nil500 Full 80% 3 mths 20.00%Both
ECU AustraliaPremium Plus Standard Variable 250.00001k+
4.31 360/aNil Full 95% 6 mths 5.00%Both
FCCS Credit UnionEasy Start Home Loan
3.99 Nil750 No 80% 6 mths 5.00%P+I
FCCS Credit UnionRewards
4.69 Nil750 Full 95% N/A N/ABoth
First Op on Credit UnionPackaged Home Loan Standard Variable 5‐599k
4.44 375/a657 Full 95% 12 mths 20.00%Both
FirstmacHome Loan 80
4.29 Nil520 Full 80% 3 mths 5.00%Both
FirstmacVIP Pack 80 IO
4.09 Nil520 Full 80% 3 mths 5.00%IO
FirstmacVital 80 IO
3.99 Nil720 No 80% 3 mths 5.00%IO
G&C Mutual BankSolu ons Package Solu ons
4.76 350/aNil Full 95% N/A 5.00%Both
Gateway Credit UnionLow Rate Essen als
4.32 Nil275 No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 308Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Holiday Coast CUHome Sweet Home Standard
4.64 360.00/a264 Full 95% 3 mths 5.00%Both
Holiday Coast CUKeep It Simple Standard
4.64 Nil664 No 95% 3 mths 5.00%Both
HomeloansMonipower
4.24 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ IO 80 150‐749k
4.06 198.00/a1056 Full 80% 3 mths 5.00%IO
HomeloansUltra Plus Variable IO 80 200‐499k
4.09 120.00/a363 No 80% N/A N/AIO
HomeloansUltra Plus Variable PI 80 200‐499k
3.89 120.00/a363 No 80% 3 mths 5.00%P+I
Horizon Credit UnionBasic Home Loan
4.59 5.00/m945 Full 95% 6 mths 5.00%Both
Horizon Credit UnionClassic Home Loan
4.99 NilNil Full 95% 6 mths 5.00%Both
Horizon Credit UnionKickstart First Home Buyer Loan
4.34 8.00/m945 Full 95% 6 mths 5.00%P+I
Horizon Credit UnionMortgage Breaker Home Loan
4.59 150.00/a860 Full 95% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 309Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Horizon Credit UnionSPECIAL Value Plus Home Loan
4.09 8.00/m960 Full 95% 6 mths 5.00%P+I
Hume BankInterest Saver
4.45 Nil750 No 95% 3 mths 5.00%Both
Hume BankInterest Saver (Refinance)
4.45 Nil150 No 95% 3 mths 5.00%Both
Hunter UnitedBasic Variable
4.55 8.00/m350 No 95% N/A N/AP+I
Hunter UnitedGreen Home Loan
4.50 8.00/m850 No 95% N/A N/AP+I
Hunter UnitedPackage Home Loan Variable 100k+
4.69 295/aNil Full 95% N/A N/AP+I
IMBAccelerator ‐ Owner Occupied 2 yrs
3.74 Nil769 Full 80% 3 mths 5.00%Both
IMBPla num Package Standard Variable 90% 250‐499k
4.44 Nil324 Full 80% 3 mths 5.00%Both
iMortgageEssen al 80%
3.89 Nil363 No 90% 3 mths 5.00%Both
iMortgageFusion Variable IO 80 200‐499k
3.89 120.00/a363 No 80% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 310Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
ING DIRECTMortgage Simplifier 150‐499k
4.04 Nil519 No 80% N/A N/ABoth
Liberty FinancialLiberty Free 70 ‐ 80 LVR
4.39 NilNil Full 80% N/A N/AP+I
Liberty FinancialLiberty Sharp 70 ‐ 80 LVR
4.14 Nil995 No 80% N/A N/ABoth
Liberty FinancialLiberty Star 70 ‐ 80 LVR
4.14 295.00/aNil Full 80% N/A N/AP+I
Macquarie BankBasic Variable Owner Occupied PI 80 150‐749k
3.89 NilNil No 80% 0 mths 5.00%P+I
Macquarie BankOffset Variable Owner Occupied PI 150‐749k 80%
3.89 199.00/sNil Full 90% N/A N/AP+I
Macquarie Credit UnionHome Loan Variable
4.89 Nil561 Full 95% 3 mths 5.00%Both
MEBasic Home Loan OO Max 80 LVR
4.09 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Home Loan OO Max 80 LVR 150‐399k 3.94 395/a400 Full 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Home Loan 80
4.32 Nil500 Full 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 311Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Mortgage HouseAdvantage Standard Variable
4.57 10.00/m595 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable 100‐749k
4.57 10.00/m895 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable One 80
4.12 10.00/m500 Full 80% N/A N/AP+I
Mortgage HousePure and Simple 80
4.34 NilNil No 80% N/A N/AP+I
MOVE ‐ People Driven BankingStandard Variable Rate
4.85 Nil450 Full 95% N/A N/ABoth
My Credit UnionAdvantage Home Loan
4.74 Nil610 Full 95% 3 mths 5.00%P+I
My Credit UnionHome Loan
4.54 Nil610 No 95% 3 mths 5.00%Both
My Credit UnionIdeal Home Loan
4.34 Nil610 No 95% 3 mths 5.00%Both
My Credit UnionIntro Variable 1 yr
3.60 Nil610 No 95% 3 mths 5.00%Both
NABBase Variable Rate ‐ IO
4.63 Nil600 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 312Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABBase Variable Rate ‐ P&I
4.10 Nil600 No 95% 3 mths 5.00%P+I
NABChoice Package Tailored Variable ‐ IO 250‐749k
4.50 395/aNil Full 90% 3 mths 5.00%IO
NABChoice Package Tailored Variable ‐ P&I 250‐499k
4.40 395/aNil Full 95% 3 mths 5.00%P+I
NABPrivate Tailored Pkg Tailored Variable ‐ P&I 250‐499k
4.40 750/a600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentDiscounted Real Deal 3 yrs
4.30 NilNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Plus Package Real Deal 50k+
4.55 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentReal Deal
4.55 NilNil Par al 95% 3 mths 5.00%Both
Northern Inland CUBasic Owner Occupied
4.53 10.00/m830 No 95% N/A N/AP+I
Northern Inland CUHome Loan Value Owner Occupied 350‐499k
4.68 350.00/a330 Full 95% N/A N/AP+I
P&N BankSmooth Home Loan 80%
4.64 Nil395 No 90% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 313Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
People's Choice Credit UnionBasic Variable 90%
4.24 Nil200 No 95% 3 mths 5.00%Both
Pepper MoneyEssen al Full Doc 80%
4.40 10.00/m1039 Full 95% N/A N/AP+I
Pepper MoneyEssen al Full Doc PLUS 80%
4.65 10.00/m1039 Full 95% N/A N/ABoth
Police BankGoldrate Home Loan 30 yrs
4.04 Nil545 No 80% 3 mths 5.00%P+I
QBANKClassic Home Loan
4.49 NilNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Home Loan 250k+
4.39 25/mNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Offer 80% 250‐499k
4.34 25/mNil No 80% N/A N/ABoth
QBANKClassic Plus Residen al Variable 250‐499k
4.34 25/mNil Full 95% N/A N/ABoth
QT Mutual BankMortgage Breaker
4.92 Nil600 Full 95% N/A N/ABoth
Qudos BankStandard Variable Rate
4.48 Nil600 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 314Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Queenslanders CUQueenslanders Ul mate Home Loan
4.45 100.00/a595 Full 95% N/A N/ABoth
Queenslanders CUSpecial Variable Rate IO 250‐499k
4.19 Nil595 Full 90% N/A N/AIO
RAMSLow Rate IO
4.55 Nil870 Full 95% 3 mths 5.00%IO
RAMSLow Rate P&I
4.45 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankBasic 25 yrs
4.42 Nil250 No 95% N/A N/ABoth
Regional Australia BankBasic Special 3 yrs
3.87 Nil250 No 95% N/A N/ABoth
Regional Australia BankPartnership Advantage Variable 250k+
4.17 375.00/aNil Full 95% N/A N/ABoth
RESI Mortgage CorpSmart Pro IO 200‐499k 80%
4.26 Nil649 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro P&I 200‐499k 80%
4.15 Nil649 No 95% 3 mths 5.00%P+I
SCUBasic Home Loan
3.77 Nil673 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 315Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
SCUProPack 250k+
4.40 Nil673 Full 95% 3 mths 5.00%Both
SCUStandard Variable
5.00 Nil673 Full 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankStandard Variable 250‐499k
4.45 8.00/m750 Full 95% 3 mths 5.00%Both
St.George BankAdvantage Package Variable IO 250‐499k
4.62 395/a700 Full 95% 3 mths 5.00%IO
St.George BankAdvantage Package Variable P&I 250‐499k
4.50 395/aNil Full 95% 3 mths 5.00%P+I
St.George BankBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
St.George BankBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionEco Home Loan
4.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionEco PI 80
3.97 Nil600 No 80% N/A N/AP+I
Summerland Credit UnionOffset Home Loan
4.24 8.00/m800 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 316Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Summerland Credit UnionPremium
4.17 380.00/aNil No 95% 3 mths 5.00%P+I
Summerland Credit UnionPremium PI 80
3.97 380.00/aNil No 80% N/A N/AP+I
Suncorp BankHome Package Plus Owner Occupied Variable 80% 150‐499k 4.60 375/aNil Full 90% 3 mths 5.00%Both
Teachers Mutual BankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
Teachers Mutual BankSolu ons Plus Home Loan 250‐499k 80%
4.00 200.00/a750 Full 95% 3 mths 5.00%Both
The CapricornianPremium Choice Variable 250‐499k
4.59 Nil785 Full 95% N/A N/ABoth
The MacHome Loan 250k+
4.69 Nil1463 No 95% N/A N/ABoth
The MacOffset Home Loan
4.94 Nil1320 Full 95% N/A N/ABoth
The MutualBudget
4.18 Nil150 No 90% 6 mths 10.00%P+I
The MutualMutual
4.38 Nil300 Par al 90% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 317Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The MutualPremium Variable
4.73 NilNil Full 95% 3 mths 5.00%Both
The RockRockstar Package Rock Star Package Variable 80% 150k+
4.23 350/aNil Full 95% N/A N/ABoth
UBankUHomeLoan ‐ Real Reward Offer IO
4.13 NilNil No 80% 3 mths 20.00%IO
UBankUHomeLoan ‐ Standard Variable PI
4.17 NilNil No 80% 3 mths 20.00%P+I
UniBankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
UniBankSolu ons Plus Home Loan 250‐499k 80%
4.00 200.00/a750 Full 95% 3 mths 5.00%Both
Victoria Teachers Mutual BankStandard Variable OO 80%
4.59 Nil600 Full 95% 6 mths 5.00%P+I
WestpacFlexi First Op on P&I
4.64 Nil750 No 95% 3 mths 5.00%P+I
WestpacPremier Advantage Rocket Repay Home Loan IO 250‐499k 4.61 395/a150 Full 95% 3 mths 5.00%IO
WestpacPremier Advantage Rocket Repay Home Loan P&I 250‐499k 4.49 395/a150 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 318Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
WestpacSpecial Flexi First Op on IO 3 yrs
4.03 Nil750 No 80% 3 mths 5.00%IO
WestpacSpecial Flexi First Op on P&I 3 yrs
3.99 Nil750 No 95% 3 mths 5.00%P+I
Woolworths Employees CUOwner Occupied Special Offer
4.21 NilNil Full 95% 3 mths 5.00%P+I
Woolworths Employees CUStandard Variable
4.71 NilNil Full 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Package Empower Variable IO 100‐749k
4.09 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Variable PI 0‐80
3.86 Nil363 No 80% N/A N/AP+I
Yellow Brick RoadEmpower Variable IO 100‐749k
4.09 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Variable PI 0‐80 100‐749k
3.86 Nil363 No 80% N/A N/AP+I
ANZVariable
5.25 5.00/m760 Full 90% N/A N/ABoth
Arab Bank AustraliaEssen als Home Loan
5.34 Nil250 Full 95% 12 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 319Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Arab Bank AustraliaThe Basics
5.24 8.00/m600 No 95% 12 mths 20.00%P+I
B&E Personal BankingResiden al FlexiChoice
5.12 10.00/m650 Full 95% 3 mths 5.00%P+I
Bank of MelbourneVariable IO
5.34 10.00/m700 Full 95% 3 mths 5.00%IO
Bank of MelbourneVariable P&I
5.22 10.00/m700 Full 95% 3 mths 5.00%P+I
BankSAVariable IO
5.41 10.00/m700 Full 95% 3 mths 5.00%IO
BankSAVariable P&I
5.29 10.00/m700 Full 95% 3 mths 5.00%P+I
BankwestVariable Owner Occupied 80%
5.35 Nil250 Full 95% 3 mths 5.00%Both
bcuStandard Variable
4.95 Nil600 Full 95% N/A N/ABoth
Beyond BankVariable
5.10 Nil595 Full 95% N/A N/ABoth
BOQFirst Start 1 yr
4.61 10.00/m645 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 320Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiBasic Variable IO 50‐499k 80%
4.47 Nil649 No 90% N/A N/AIO
CiBasic Variable P&I 50‐499k 80%
4.42 Nil649 No 90% N/A N/AP+I
CiMortgage Plus Variable IO 80% 150‐499k
4.27 350/aNil No 90% 6 mths 5.00%IO
CiMortgage Plus Variable P&I 80% 150‐499k
4.22 350/a649 No 90% 6 mths 5.00%P+I
Commonwealth BankDiscount Intro Variable 1 yr
4.52 8.00/m800 Full 95% N/A N/ABoth
Commonwealth BankEconomiser
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankRate Saver
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankStandard Variable
5.22 8.00/m800 Full 95% N/A N/ABoth
Community First CUTrue Value Var Hl
5.17 Nil600 Full 95% 3 mths 20.00%Both
Delphi BankComplete
5.37 6.00/m770 No 90% 6 mths 10.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 321Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Delphi BankEssen al
5.37 8.00/m1020 No 90% 6 mths 10.00%Both
ECU AustraliaStandard Variable
5.12 Nil1020 Full 95% 6 mths 5.00%Both
FCCS Credit UnionFirst Home Buyers 1 yr
4.29 Nil750 No 80% N/A N/ABoth
First Op on Credit UnionStandard Variable
4.99 Nil657 Full 95% 12 mths 20.00%Both
G&C Mutual BankStandard Variable
5.15 Nil500 Full 95% 0 mths 5.00%Both
Gateway Credit UnionVariable 80%
4.96 Nil750 Full 95% 3 mths 5.00%Both
Heritage BankVariable
5.04 8.00/m150 Full 95% 3 mths 5.00%Both
Holiday Coast CULive Life Standard
5.24 8.00/m664 Full 95% 3 mths 5.00%Both
HSBCHome Smart
5.23 Nil853 Full 90% N/A N/AP+I
HSBCVariable
5.23 Nil853 Full 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 322Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Hume BankVariable
5.10 Nil750 Full 97% 3 mths 5.00%Both
Hume BankVariable (Refinance)
5.10 Nil150 Full 97% 3 mths 5.00%Both
Hunter UnitedInterest Only
4.90 Nil350 No 90% N/A N/AIO
IMBIntroductory Variable 1 yr
4.09 10.00/m769 No 95% 3 mths 5.00%Both
IMBStandard Variable 90%
5.09 Nil769 Full 95% 3 mths 5.00%Both
Macquarie Credit UnionBasic Home Loan
4.64 Nil561 No 95% 3 mths 3.00%P+I
Macquarie Credit UnionFirst Home Buyers 3 yrs
4.39 Nil464 Full 95% 3 mths 5.00%P+I
Macquarie Credit UnionIntroductory Rate Home Loan 1 yr
4.39 Nil561 Full 95% 3 mths 3.00%P+I
MEFlexible Home Loan OO Max 80 LVR
5.03 Nil400 Full 80% 3 mths 5.00%Both
MyStateStandard Variable
5.23 Nil350 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 323Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABBase Variable Indicator Rate
5.04 Nil600 No 95% 3 mths 5.00%Both
NABTailored Variable ‐ IO
5.35 8.00/m600 Full 90% 3 mths 5.00%IO
NABTailored Variable ‐ P&I
5.25 8.00/m600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentPremium Plus Package Real Op ons
4.95 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Variable
5.17 NilNil Full 95% 3 mths 5.00%Both
Newcastle PermanentReal Op ons
4.95 NilNil Par al 95% 3 mths 5.00%Both
Northern Inland CUSmart Variable Owner Occupied
5.33 Nil930 Full 95% N/A N/AP+I
P&N BankEasypay Variable 80%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
P&N BankEasypay Variable 95%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
People's Choice Credit UnionStandard Variable
5.21 Nil950 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 324Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Police BankPremium Variable
4.74 Nil1045 Full 95% N/A N/ABoth
QBANKStandard Variable
4.99 NilNil No 95% N/A N/ABoth
RAMSFull Feature IO
5.45 Nil870 Full 95% 3 mths 5.00%IO
RAMSFull Feature P&I
5.35 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankMortgage Offset
5.22 Nil250 Full 95% N/A N/ABoth
St.George BankVariable P&I
5.30 10.00/m700 Full 95% 3 mths 5.00%P+I
Summerland Credit UnionECO Home Loan Standard
5.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionHome Loan Plus
5.17 Nil800 No 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan Standard
5.24 Nil800 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 325Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Teachers Mutual BankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
The CapricornianLifestyle Variable
5.19 10.00/m785 Full 95% N/A N/ABoth
Transport Mutual Credit UnionBasic Variable
4.81 Nil1010 Full 95% N/A N/AP+I
UBankUHomeLoan ‐ Standard Variable IO
4.46 NilNil No 80% 3 mths 20.00%IO
UniBankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
UniBankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
WestpacFlexi First Op on IO
4.76 Nil750 No 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan IO
5.41 8.00/m750 Full 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan P&I
5.29 8.00/m750 Full 95% 3 mths 5.00%P+I
AMP BankClassic Variable IO
5.73 10.00/m895 Full 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 326Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankClassic Variable P+I
5.43 10.00/m895 Full 90% N/A N/AP+I
Arab Bank AustraliaHeadStart Intro Variable 1 yr
3.90 8.00/m600 No 95% 12 mths 20.00%P+I
Auswide BankStandard Variable
5.43 10.00/m600 Full 90% 3 mths 5.00%Both
B&E Personal BankingFlexiDiscount
5.02 10.00/m650 No 95% 3 mths 5.00%P+I
B&E Personal BankingFlexiLine
5.12 10.00/m650 Full 80% 3 mths 5.00%P+I
Bank of SydneyVariable
5.64 10.00/m990 Full 95% 6 mths 5.00%Both
BOQStandard Variable
5.61 10.00/m450 Full 95% 3 mths 5.00%Both
CiOffset Variable IO 50‐499k 80%
5.68 8.00/m649 Full 90% 6 mths 5.00%IO
CiOffset Variable P&I 50‐499k 80%
5.63 8.00/m649 Full 90% 6 mths 5.00%P+I
CiVariable IO 50‐499k 80%
5.68 8.00/m649 No 90% 6 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 327Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiVariable P&I 50‐499k 80%
5.63 8.00/m649 No 90% 6 mths 5.00%P+I
St.George BankVariable IO
5.42 10.00/m700 Full 95% 3 mths 5.00%IO
Suncorp BankOwner Occupied Variable 80%
5.55 10.00/m600 Full 95% 3 mths 5.00%Both
The CapricornianIntroductory Rate 1 yr 95%
3.89 Nil785 No 95% N/A N/AP+I
The RockVariable
5.73 5.00/m950 Full 95% N/A N/ABoth
Transport Mutual Credit UnionVariable
5.06 Nil1010 Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 328Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Home Loan ‐OO (LVR <80%)
3.79 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaPremium Package Premium 400‐699k
3.92 350/a595 Full 95% 6 mths 5.00%P+I
bcuOMG! Variable Rate
3.69 198.00/a900 No 80% N/A N/ABoth
Click LoansThe Online Home Loan 80 500‐749k
3.69 Nil440 No 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80 500‐749k
3.73 198.00/a363 Full 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80%
3.73 Nil440 Full 80% 3 mths 5.00%P+I
Freedom LendFreedom Variable PI
3.53 NilNil Full 80% N/A N/AP+I
Gateway Credit UnionPremium Variable 80% 150k+
3.73 299/a200 Full 95% 3 mths 5.00%Both
Heritage BankDiscount Variable 150k+
3.79 Nil750 No 95% 3 mths 5.00%Both
Heritage BankHome Advantage Variable 250‐699k
3.84 350/a150 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 329Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
HSBCHome Value ‐ Owner Occupier
3.75 Nil270 No 90% N/A N/ABoth
HSBCPremier Home Smart 500‐749k
3.85 NilNil Full 90% N/A N/AP+I
HSBCPremier Variable 500‐749k
3.85 NilNil Full 90% N/A N/ABoth
Hume BankProperty Package Variable 500k+
4.20 375/aNil Full 97% 3 mths 5.00%Both
Hunter UnitedPla num Home Loan OO
3.79 8.00/mNil Full 80% N/A N/AP+I
IMBBudget ‐ Owner Occupied 90%
3.87 Nil769 No 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Orange Advantage Variable 80% 500k+ 3.89 199/a299 Full 80% N/A N/ABoth
ING DIRECTOrange Advantage Variable 500k+ 80%
3.89 199.00/a299 Full 95% N/A N/ABoth
loans.com.auEssen als ‐ Owner Occ ‐ PI
3.59 Nil520 No 80% 3 mths 5.00%P+I
loans.com.auOffset Variable‐Owner Occupier <80%
3.67 Nil520 Full 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 330Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Macquarie Credit UnionPower 400.00001k+
3.69 400.00/aNil Full 95% N/A N/ABoth
Newcastle PermanentPremium Plus Package Home Loan 500‐749k
3.74 395/aNil Full 90% 3 mths 5.00%Both
Northern Inland CUDream Value Owner Occupied PI 80
3.84 350.00/a330 Full 80% N/A N/AP+I
Pacific Mortgage GroupVariable
3.60 NilNil Full 95% N/A N/ABoth
QBANKClassic Offer 80%
3.88 NilNil No 95% N/A N/ABoth
Qudos BankLow Cost Home Loan‐ OO 500‐749k
3.89 NilNil Full 95% 3 mths 5.00%Both
Reduce Home LoansRate Buster 100% Offset Variable
3.47 Nil570 Full 80% 6 mths 15Both
Reduce Home LoansRate Buster Standard Variable
3.39 Nil570 No 80% N/A 15Both
SCUMy Life Variable Rate Package 500k+
3.87 350/a473 Full 95% 3 mths 5.00%Both
State CustodiansBreathe Easy Offset 80%
3.82 Nil286 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 331Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
State CustodiansStandard Variable Offset 80%
3.69 299.00/a286 Full 95% 3 mths 5.00%Both
Victoria Teachers Mutual BankComplete Variable First Home Buyer 80%
3.89 NilNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable First Home Buyer 80% 3.79 300/aNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Variable ‐ Owner Occupied 80% 3.89 NilNil Full 95% 6 mths 5.00%P+I
AMO GroupBasic Variable
3.83 120.00/a1180 No 80% N/A N/AP+I
AMO GroupVariable Home Loan
3.83 120.00/a1180 No 95% 3 mths 5.00%Both
AMP BankAffinity Package Classic Variable P+I 500‐749k
3.89 Nil295 Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable P+I 500‐749k
3.89 Nil295 Full 90% N/A N/AP+I
AussieOp mizer Plus Variable PI 100‐749k 80%
3.86 198.00/aNil Full 95% 3 mths 5.00%P+I
AussieSelect Basic Variable 500k+ 80%
3.95 NilNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 332Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyExpect More Variable 100k+
3.94 395/aNil Full 90% 6 mths 5.00%Both
Bank of SydneyExpect More Variable PAYG 100k+
3.79 395/aNil Full 80% 6 mths 5.00%P+I
BankwestComplete Home Loan Variable Owner Occupied 80% 200k+ 3.85 395/a250 Full 80% 3 mths 5.00%Both
BankwestPremium Select Home Loan Owner Occ 80%
4.02 Nil250 Full 90% 3 mths 5.00%Both
BOQEconomy
3.89 10.00/m450 No 80% 3 mths 5.00%Both
Catalyst MoneyVariable PI
4.20 Nil607 Full 95% N/A N/AP+I
CUAFresh Start Access
4.16 Nil195 Full 95% 3 mths 5.00%Both
CUAFresh Start Basic
3.89 Nil795 No 80% 3 mths 5.00%Both
CUAFresh Start Variable
4.11 Nil195 Full 80% 3 mths 5.00%Both
FirstmacVIP Pack 80 P&I
3.89 Nil520 Full 80% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 333Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Freedom LendFreedom Variable IO 80%
3.93 375.00/aNil Full 95% N/A N/AIO
G&C Mutual BankGet Ahead Start Home Ln
3.99 Nil500 Full 100% N/A N/AP+I
G&C Mutual BankPremium Package Premium 300k+
3.99 375/aNil Full 95% 0 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ PI 80 150‐499k
3.83 198.00/a1056 Full 80% 3 mths 5.00%P+I
HSBCHome Value ‐ OO (Fee Free Op on)
3.78 NilNil No 90% N/A N/ABoth
Illawarra CU NSWVariable PI
4.20 Nil607 Full 95% N/A N/AP+I
IMBEssen als ‐ Owner Occupied 90%
4.09 NilNil Full 95% 3 mths 5.00%Both
iMortgageFusion Variable PI 80 500k+
3.64 120.00/a363 No 80% 3 mths 5.00%P+I
MEMember Package Flexible Home Loan OO Max 80 LVR 400‐699k 3.89 395/a400 Full 80% 3 mths 5.00%Both
Mortgage HouseEssen als 80
3.82 10.00/m595 Full 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 334Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
MOVE ‐ People Driven BankingEconomy
3.99 5.00/m450 Full 80% N/A N/ABoth
MOVE ‐ People Driven BankingFirst Home Owners Loan
3.99 Nil450 Full 97% 3 mths 5.00%Both
MOVE ‐ People Driven BankingmyHome Standard Variable Package 500‐749k
3.90 300/a450 Full 95% N/A N/ABoth
MyStateSpecial Residen al Home Loan 80%
3.99 Nil650 Full 95% N/A N/ABoth
Northern Inland CUDream Value Owner Occupied IO 80
3.99 350.00/a330 Full 80% N/A N/AIO
P&N Bank& Home Loan
3.99 Nil395 Full 90% 3 mths 5.00%P+I
P&N BankHome Loan & Bag & Home Loan 10k+
3.99 Nil395 Full 90% 3 mths 5.00%P+I
QBANKClassic Home Loan P&I Only
3.87 NilNil No 80% N/A N/AP+I
QBANKClassic Plus Residen al Variable 500k+
4.09 25/mNil Full 95% N/A N/ABoth
QT Mutual BankChoices Mortgage Breaker 500k+
4.02 395/aNil Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 335Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankMortgage Saver
3.88 NilNil No 95% N/A N/AP+I
QT Mutual BankTeachers' Life Mortgage Breaker 500k+
4.02 25/mNil Full 95% N/A N/ABoth
Queenslanders CUSpecial Variable Rate P&I 500k+
3.98 Nil595 Full 90% N/A N/AP+I
RESI Mortgage CorpFlexi Op ons 80%
4.09 Nil854 Full 95% 3 mths 5.00%Both
Select Encompass Credit UnionVariable Home Loan
4.24 NilNil Full 95% N/A N/ABoth
Suncorp BankOO Back To Basics 90%
3.88 Nil600 No 95% 3 mths 5.00%Both
Teachers Mutual BankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
Teachers Mutual BankSolu ons Plus Home Loan 500‐749k 80%
3.97 200.00/a750 Full 95% 3 mths 5.00%Both
The MacBasic Variable 500k+
4.04 Nil1320 No 95% N/A N/ABoth
The RockEssen als Special 80%
3.99 Nil650 Full 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 336Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
UBankValue Offer ‐ 20% Deposit Minimum
3.74 NilNil No 80% 3 mths 20.00%P+I
UniBankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
UniBankSolu ons Plus Home Loan 500‐749k 80%
3.97 200.00/a750 Full 95% 3 mths 5.00%Both
Victoria Teachers Mutual BankComplete Variable ‐ Owner Occupied 80%
3.89 Nil600 Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable OO 80%
3.79 300/a300 Full 95% 6 mths 5.00%P+I
Virgin MoneyReward Me ‐ Owner Occupied Var 80 500‐749k
3.84 10.00/m150 Full 80% N/A N/ABoth
Adelaide BankSmar it Variable 90%
4.09 15.00/m495 Full 95% N/A N/ABoth
Adelaide BankSmartSaver 90%
4.04 Nil495 No 95% N/A N/ABoth
AMP BankAffinity Package Classic Variable IO 250‐749k
4.19 Nil895 Full 90% N/A N/AIO
AMP BankBasic Variable Loan IO
4.28 Nil545 Full 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 337Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankBasic Variable Loan P+I
3.98 Nil545 Full 90% N/A N/AP+I
AMP BankEssen al Home Loan
3.89 Nil295 No 90% N/A N/AP+I
AMP BankProfessional Package Classic Variable IO 250‐749k
4.19 349/a895 Full 90% N/A N/AIO
AMP BankProfessional Package Classic Variable P+I 500‐749k
3.89 349/aNil Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable IO 250‐749k
4.19 Nil895 Full 90% N/A N/AIO
ANZBreakfree Variable 500k+
4.35 Nil160 Full 90% N/A N/ABoth
ANZSimplicity Plus
4.55 Nil160 No 90% N/A N/ABoth
AussieOp mizer Plus Variable IO 100‐749k
4.09 198.00/aNil Full 80% 3 mths 5.00%IO
AussieOp mizer Variable IO 100‐749k
4.09 NilNil No 80% 3 mths 5.00%IO
AussieOp mizer Variable PI 100‐749k 80%
3.86 NilNil No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 338Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AussieSelect Standard Variable 500k+ 80%
3.95 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankStandard Variable Offset 80%
4.69 Nil1014 Full 95% 3 mths 10.00%Both
Australian Military BankValue Home Loan 500k+ 80%
4.09 Nil1014 Full 95% 3 mths 10.00%P+I
Auswide BankFreedom Package Standard Variable 150k+
3.89 395/aNil Full 90% 3 mths 5.00%Both
Auswide BankRBA Rate Tracker Home Loan
3.99 Nil900 No 80% N/A N/AP+I
B&E Personal BankingFlexiDiscount LVR Special
3.99 10.00/m230 No 80% 3 mths 5.00%P+I
B&E Personal BankingTopline 90%
4.19 Nil650 Full 95% 3 mths 5.00%P+I
Bank AustraliaPremium
4.82 Nil595 Full 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Variable IO 500‐749k
4.54 395/a700 Full 95% 3 mths 5.00%IO
Bank of MelbourneAdvantage Package Variable P&I 500‐749k
4.42 395/aNil Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 339Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of MelbourneBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
Bank of MelbourneBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
BankSAAdvantage Package Variable IO 500‐749k
4.56 395/a700 Full 95% 3 mths 5.00%IO
BankSAAdvantage Package Variable P&I 500‐749k
4.44 395/a700 Full 95% 3 mths 5.00%P+I
BankSABasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
BankSABasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
BankVic2 Year Introductory Variable 2 yrs
3.79 Nil600 No 95% 3 mths 5.00%P+I
BankVicBase Variable
3.99 Nil600 No 95% 3 mths 5.00%P+I
BankVicoffset
4.64 Nil600 Full 95% 3 mths 5.00%P+I
BankVicPremium Home standard variable 250‐749k
4.19 375/aNil Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 340Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankVicstandard variable
4.59 Nil600 Full 95% 3 mths 5.00%Both
bcuDiscount Variable Rate
4.55 Nil600 Full 95% N/A N/ABoth
bcuMaximum Discount Variable
4.25 Nil600 Full 95% N/A N/ABoth
Bendigo BankBasic Variable Owner Occupied
4.28 10.00/m350 No 95% N/A N/ABoth
Bendigo BankConnect Package Variable Owner Occupied 500k+
4.23 20/mNil Full 95% N/A N/ABoth
Bendigo BankResiden al Variable 500k+
4.58 10.00/mNil Full 95% N/A N/ABoth
Beyond BankBasic Variable
4.40 11.00/m595 No 95% N/A N/AP+I
Beyond BankPinnacle +Plus Pkg Variable 300k+
4.60 NilNil Full 95% N/A N/ABoth
Beyond BankTotal Home Loan Variable 500k+
4.30 395/aNil Full 95% N/A N/ABoth
BOQClear Path Variable Home Loan
4.47 10.00/m150 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 341Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Catalyst MoneyVariable IO
4.15 Nil607 Full 95% N/A N/AIO
CiMortgage Plus Offset Variable IO 80% 500k+
4.22 350/a649 Full 90% 6 mths 5.00%IO
CiMortgage Plus Offset Variable P&I 80% 500k+
4.17 350/aNil Full 90% 6 mths 5.00%P+I
CiMortgage Plus Variable P&I 80% 500k+
4.17 350/a649 No 90% 6 mths 5.00%P+I
Commonwealth BankEconomiser Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankNo Fee Variable Rate
4.52 NilNil No 95% N/A N/ABoth
Commonwealth BankRate Saver Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankWealth Package Discount Intro Variable 1 yr 150k+
4.52 395/a595 Full 95% N/A N/ABoth
Commonwealth BankWealth Package Standard Variable 350‐749k
4.62 395/a595 Full 95% N/A N/ABoth
Community First CUAccelerator Home Loan True Value Var Hl 250k+
4.27 395/a660 Full 95% 3 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 342Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Community First CUTrue Basic Home Loan 80%
4.10 Nil600 No 95% 3 mths 20.00%Both
CUABasic Variable
4.68 Nil795 No 95% 3 mths 5.00%Both
CUARate Breaker Rate Breaker 250k+
4.25 350/aNil Full 95% 3 mths 5.00%Both
Defence BankEssen als Variable
4.45 8.00/m970 Full 95% 3 mths 5.00%Both
Easy Street Fin ServicesStandard Variable Rate Home Loan
4.10 Nil500 Full 80% 3 mths 20.00%Both
ECU AustraliaPremium Plus Standard Variable 250.00001k+
4.31 360/aNil Full 95% 6 mths 5.00%Both
FCCS Credit UnionEasy Start Home Loan
3.99 Nil750 No 80% 6 mths 5.00%P+I
FCCS Credit UnionRewards
4.69 Nil750 Full 95% N/A N/ABoth
First Op on Credit UnionPackaged Home Loan Standard Variable 5‐599k
4.44 375/a657 Full 95% 12 mths 20.00%Both
FirstmacHome Loan 80
4.29 Nil520 Full 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 343Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
FirstmacVIP Pack 80 IO
4.09 Nil520 Full 80% 3 mths 5.00%IO
FirstmacVital 80 IO
3.99 Nil720 No 80% 3 mths 5.00%IO
FirstmacVital 80 P&I
3.79 Nil720 No 80% 3 mths 5.00%P+I
G&C Mutual BankSolu ons Package Solu ons
4.76 350/aNil Full 95% N/A 5.00%Both
Gateway Credit UnionLow Rate Essen als
4.32 Nil275 No 80% 3 mths 5.00%Both
Holiday Coast CUHome Sweet Home Standard
4.64 360.00/a264 Full 95% 3 mths 5.00%Both
Holiday Coast CUKeep It Simple Standard
4.64 Nil664 No 95% 3 mths 5.00%Both
HomeloansMonipower
4.24 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ IO 80 150‐749k
4.06 198.00/a1056 Full 80% 3 mths 5.00%IO
HomeloansUltra Plus Variable IO 80 500k+
4.04 120.00/a363 No 80% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 344Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HomeloansUltra Plus Variable PI 80 500k+
3.84 120.00/a363 No 80% 3 mths 5.00%P+I
Horizon Credit UnionBasic Home Loan
4.59 5.00/m945 Full 95% 6 mths 5.00%Both
Horizon Credit UnionClassic Home Loan
4.99 NilNil Full 95% 6 mths 5.00%Both
Horizon Credit UnionKickstart First Home Buyer Loan
4.34 8.00/m945 Full 95% 6 mths 5.00%P+I
Horizon Credit UnionMortgage Breaker Home Loan
4.59 150.00/a860 Full 95% 6 mths 5.00%Both
Horizon Credit UnionSPECIAL Value Plus Home Loan
4.09 8.00/m960 Full 95% 6 mths 5.00%P+I
Hume BankInterest Saver
4.45 Nil750 No 95% 3 mths 5.00%Both
Hume BankInterest Saver (Refinance)
4.45 Nil150 No 95% 3 mths 5.00%Both
Hunter UnitedBasic Variable
4.55 8.00/m350 No 95% N/A N/AP+I
Hunter UnitedGreen Home Loan
4.50 8.00/m850 No 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 345Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Hunter UnitedPackage Home Loan Variable 100k+
4.69 295/aNil Full 95% N/A N/AP+I
Illawarra CU NSWVariable IO
4.15 Nil607 Full 95% N/A N/AIO
IMBAccelerator ‐ Owner Occupied 2 yrs
3.74 Nil769 Full 80% 3 mths 5.00%Both
IMBIntroductory Variable 1 yr
4.09 10.00/m769 No 95% 3 mths 5.00%Both
IMBPla num Package Standard Variable 90% 500k+
4.34 Nil324 Full 80% 3 mths 5.00%Both
iMortgageEssen al 80%
3.89 Nil363 No 90% 3 mths 5.00%Both
iMortgageFusion Variable IO 80 500k+
3.84 120.00/a363 No 80% 3 mths 5.00%IO
ING DIRECTMortgage Simplifier 500k+
4.04 Nil519 No 80% N/A N/ABoth
Liberty FinancialLiberty Free 70 ‐ 80 LVR
4.39 NilNil Full 80% N/A N/AP+I
Liberty FinancialLiberty Sharp 70 ‐ 80 LVR
4.14 Nil995 No 80% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 346Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Liberty FinancialLiberty Star 70 ‐ 80 LVR
4.14 295.00/aNil Full 80% N/A N/AP+I
Macquarie BankBasic Variable Owner Occupied PI 80 150‐749k
3.89 NilNil No 80% 0 mths 5.00%P+I
Macquarie BankOffset Variable Owner Occupied PI 150‐749k 80%
3.89 199.00/sNil Full 90% N/A N/AP+I
Macquarie Credit UnionHome Loan Variable
4.89 Nil561 Full 95% 3 mths 5.00%Both
MEBasic Home Loan OO Max 80 LVR
4.09 Nil400 No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Home Loan 80
4.32 Nil500 Full 80% N/A N/AP+I
Mortgage HouseAdvantage Standard Variable
4.57 10.00/m595 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable 100‐749k
4.57 10.00/m895 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable One 80
4.12 10.00/m500 Full 80% N/A N/AP+I
MOVE ‐ People Driven BankingStandard Variable Rate
4.85 Nil450 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 347Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
My Credit UnionHome Loan
4.54 Nil610 No 95% 3 mths 5.00%Both
My Credit UnionIdeal Home Loan
4.34 Nil610 No 95% 3 mths 5.00%Both
My Credit UnionIntro Variable 1 yr
3.60 Nil610 No 95% 3 mths 5.00%Both
My Credit UnionPla num
3.89 375.00/a610 Full 95% 3 mths 5.00%Both
NABBase Variable Rate ‐ IO
4.63 Nil600 No 95% 3 mths 5.00%IO
NABBase Variable Rate ‐ P&I
4.10 Nil600 No 95% 3 mths 5.00%P+I
NABChoice Package Tailored Variable ‐ IO 250‐749k
4.50 395/aNil Full 90% 3 mths 5.00%IO
NABChoice Package Tailored Variable ‐ P&I 500‐749k
4.40 395/aNil Full 95% 3 mths 5.00%P+I
NABPrivate Tailored Pkg Tailored Variable ‐ P&I 500‐749k
4.40 750/a600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentDiscounted Real Deal 3 yrs
4.30 NilNil Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 348Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Newcastle PermanentPremium Plus Package Real Deal 50k+
4.55 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentReal Deal
4.55 NilNil Par al 95% 3 mths 5.00%Both
Northern Inland CUBasic Owner Occupied
4.53 10.00/m830 No 95% N/A N/AP+I
Northern Inland CUHome Loan Value Owner Occupied 500‐749k
4.53 350.00/a330 Full 95% N/A N/AP+I
P&N BankSmooth Home Loan 80%
4.64 Nil395 No 90% 3 mths 5.00%Both
People's Choice Credit UnionBasic Variable 90%
4.24 Nil200 No 95% 3 mths 5.00%Both
Pepper MoneyEssen al Full Doc 80%
4.40 10.00/m1039 Full 95% N/A N/AP+I
Pepper MoneyEssen al Full Doc PLUS 80%
4.65 10.00/m1039 Full 95% N/A N/ABoth
Police BankGoldrate Home Loan 30 yrs
4.04 Nil545 No 80% 3 mths 5.00%P+I
QBANKClassic Home Loan
4.49 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 349Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QBANKClassic Plus Classic Home Loan 250k+
4.39 25/mNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Offer 80% 500k+
4.09 25/mNil No 80% N/A N/ABoth
QT Mutual BankMortgage Breaker
4.92 Nil600 Full 95% N/A N/ABoth
Qudos BankStandard Variable Rate
4.48 Nil600 Full 95% 3 mths 5.00%Both
Queenslanders CUQueenslanders Ul mate Home Loan
4.45 100.00/a595 Full 95% N/A N/ABoth
Queenslanders CUSpecial Variable Rate IO 500k+
4.14 Nil595 Full 90% N/A N/AIO
RAMSLow Rate IO
4.55 Nil870 Full 95% 3 mths 5.00%IO
RAMSLow Rate P&I
4.45 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankBasic 25 yrs
4.42 Nil250 No 95% N/A N/ABoth
Regional Australia BankBasic Special 3 yrs
3.87 Nil250 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 350Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Regional Australia BankPartnership Advantage Variable 250k+
4.17 375.00/aNil Full 95% N/A N/ABoth
RESI Mortgage CorpSmart Pro IO 500k+ 80%
4.21 Nil649 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro P&I 500k+ 80%
4.10 Nil649 No 95% 3 mths 5.00%P+I
SCUBasic Home Loan
3.77 Nil673 No 95% 3 mths 5.00%P+I
SCUProPack 250k+
4.40 Nil673 Full 95% 3 mths 5.00%Both
SCUStandard Variable
5.00 Nil673 Full 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankStandard Variable 500k+
4.35 8.00/m750 Full 95% 3 mths 5.00%Both
Southern Cross Credit UnionPla num Home Loan
4.18 400.00/a425 Full 95% 3 mths 5.00%Both
St.George BankAdvantage Package Variable IO 500‐749k
4.57 395/a700 Full 95% 3 mths 5.00%IO
St.George BankAdvantage Package Variable P&I 500‐749k
4.45 395/aNil Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 351Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
St.George BankBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
St.George BankBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionEco Home Loan
4.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionEco PI 80
3.97 Nil600 No 80% N/A N/AP+I
Summerland Credit UnionOffset Home Loan
4.24 8.00/m800 Full 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan PI 80
4.04 8.00/m800 Full 80% N/A N/AP+I
Summerland Credit UnionPremium
4.17 380.00/aNil No 95% 3 mths 5.00%P+I
Summerland Credit UnionPremium PI 80
3.97 380.00/aNil No 80% N/A N/AP+I
Suncorp BankHome Package Plus Owner Occupied Variable 80% 500‐749k 4.45 375/aNil Full 90% 3 mths 5.00%Both
Teachers Mutual BankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 352Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The CapricornianPremium Choice Variable 500k+
4.49 Nil785 Full 95% N/A N/ABoth
The MacHome Loan 250k+
4.69 Nil1463 No 95% N/A N/ABoth
The MacOffset Home Loan
4.94 Nil1320 Full 95% N/A N/ABoth
The MutualBudget
4.18 Nil150 No 90% 6 mths 10.00%P+I
The MutualMutual
4.38 Nil300 Par al 90% 3 mths 5.00%Both
The MutualPremium Variable
4.73 NilNil Full 95% 3 mths 5.00%Both
The RockRockstar Package Rock Star Package Variable 80% 150k+
4.23 350/aNil Full 95% N/A N/ABoth
UBankUHomeLoan ‐ Real Reward Offer IO
4.13 NilNil No 80% 3 mths 20.00%IO
UBankUHomeLoan ‐ Standard Variable PI
4.17 NilNil No 80% 3 mths 20.00%P+I
UniBankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 353Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Victoria Teachers Mutual BankStandard Variable OO 80%
4.59 Nil600 Full 95% 6 mths 5.00%P+I
WestpacFlexi First Op on P&I
4.64 Nil750 No 95% 3 mths 5.00%P+I
WestpacPremier Advantage Rocket Repay Home Loan IO 500‐749k 4.56 395/a150 Full 95% 3 mths 5.00%IO
WestpacPremier Advantage Rocket Repay Home Loan P&I 500‐749k 4.44 395/a150 Full 95% 3 mths 5.00%P+I
WestpacSpecial Flexi First Op on IO 3 yrs
4.03 Nil750 No 80% 3 mths 5.00%IO
WestpacSpecial Flexi First Op on P&I 3 yrs
3.99 Nil750 No 95% 3 mths 5.00%P+I
Woolworths Employees CUOwner Occupied Special Offer
4.21 NilNil Full 95% 3 mths 5.00%P+I
Woolworths Employees CUStandard Variable
4.71 NilNil Full 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Package Empower Variable IO 100‐749k
4.09 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Variable PI 0‐80
3.86 Nil363 No 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 354Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Yellow Brick RoadEmpower Variable IO 100‐749k
4.09 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Variable PI 0‐80 100‐749k
3.86 Nil363 No 80% N/A N/AP+I
ANZVariable
5.25 5.00/m760 Full 90% N/A N/ABoth
Arab Bank AustraliaEssen als Home Loan
5.34 Nil250 Full 95% 12 mths 20.00%Both
Arab Bank AustraliaThe Basics
5.24 8.00/m600 No 95% 12 mths 20.00%P+I
B&E Personal BankingResiden al FlexiChoice
5.12 10.00/m650 Full 95% 3 mths 5.00%P+I
Bank of MelbourneVariable IO
5.34 10.00/m700 Full 95% 3 mths 5.00%IO
Bank of MelbourneVariable P&I
5.22 10.00/m700 Full 95% 3 mths 5.00%P+I
BankSAVariable P&I
5.29 10.00/m700 Full 95% 3 mths 5.00%P+I
BankwestRegular Saver Home Loan Owner Occ
4.85 Nil250 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 355Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankwestVariable Owner Occupied 80%
5.35 Nil250 Full 95% 3 mths 5.00%Both
bcuStandard Variable
4.95 Nil600 Full 95% N/A N/ABoth
Beyond BankVariable
5.10 Nil595 Full 95% N/A N/ABoth
BOQFirst Start 1 yr
4.61 10.00/m645 Full 95% 3 mths 5.00%Both
CiBasic Variable IO 500k+ 80%
4.42 Nil649 No 90% N/A N/AIO
CiBasic Variable P&I 500k+ 80%
4.37 Nil649 No 90% N/A N/AP+I
CiMortgage Plus Variable IO 80% 500k+
4.22 350/aNil No 90% 6 mths 5.00%IO
Commonwealth BankDiscount Intro Variable 1 yr
4.52 8.00/m800 Full 95% N/A N/ABoth
Commonwealth BankEconomiser
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankRate Saver
4.76 8.00/m800 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 356Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Commonwealth BankStandard Variable
5.22 8.00/m800 Full 95% N/A N/ABoth
Community First CUTrue Value Var Hl
5.17 Nil600 Full 95% 3 mths 20.00%Both
Delphi BankComplete
5.37 6.00/m770 No 90% 6 mths 10.00%Both
Delphi BankEssen al
5.37 8.00/m1020 No 90% 6 mths 10.00%Both
ECU AustraliaStandard Variable
5.12 Nil1020 Full 95% 6 mths 5.00%Both
FCCS Credit UnionFirst Home Buyers 1 yr
4.29 Nil750 No 80% N/A N/ABoth
First Op on Credit UnionStandard Variable
4.99 Nil657 Full 95% 12 mths 20.00%Both
G&C Mutual BankStandard Variable
5.15 Nil500 Full 95% 0 mths 5.00%Both
Gateway Credit UnionVariable 80%
4.96 Nil750 Full 95% 3 mths 5.00%Both
Heritage BankVariable
5.04 8.00/m150 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 357Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Holiday Coast CULive Life Standard
5.24 8.00/m664 Full 95% 3 mths 5.00%Both
HSBCHome Smart
5.23 Nil853 Full 90% N/A N/AP+I
HSBCVariable
5.23 Nil853 Full 90% N/A N/ABoth
Hume BankVariable
5.10 Nil750 Full 97% 3 mths 5.00%Both
Hume BankVariable (Refinance)
5.10 Nil150 Full 97% 3 mths 5.00%Both
Hunter UnitedInterest Only
4.90 Nil350 No 90% N/A N/AIO
IMBStandard Variable 90%
5.09 Nil769 Full 95% 3 mths 5.00%Both
Macquarie Credit UnionBasic Home Loan
4.64 Nil561 No 95% 3 mths 3.00%P+I
Macquarie Credit UnionFirst Home Buyers 3 yrs
4.39 Nil464 Full 95% 3 mths 5.00%P+I
Macquarie Credit UnionIntroductory Rate Home Loan 1 yr
4.39 Nil561 Full 95% 3 mths 3.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 358Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
MEFlexible Home Loan OO Max 80 LVR
5.03 Nil400 Full 80% 3 mths 5.00%Both
Mortgage HousePure and Simple 80
4.34 NilNil No 80% N/A N/AP+I
My Credit UnionAdvantage Home Loan
4.74 Nil610 Full 95% 3 mths 5.00%P+I
MyStateStandard Variable
5.23 Nil350 Full 95% N/A N/ABoth
NABBase Variable Indicator Rate
5.04 Nil600 No 95% 3 mths 5.00%Both
NABTailored Variable ‐ IO
5.35 8.00/m600 Full 90% 3 mths 5.00%IO
NABTailored Variable ‐ P&I
5.25 8.00/m600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentPremium Plus Package Real Op ons
4.95 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Variable
5.17 NilNil Full 95% 3 mths 5.00%Both
Newcastle PermanentReal Op ons
4.95 NilNil Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 359Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Northern Inland CUSmart Variable Owner Occupied
5.33 Nil930 Full 95% N/A N/AP+I
P&N BankEasypay Variable 80%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
P&N BankEasypay Variable 95%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
People's Choice Credit UnionStandard Variable
5.21 Nil950 Full 95% 3 mths 5.00%Both
Police BankPremium Variable
4.74 Nil1045 Full 95% N/A N/ABoth
QBANKStandard Variable
4.99 NilNil No 95% N/A N/ABoth
RAMSFull Feature IO
5.45 Nil870 Full 95% 3 mths 5.00%IO
RAMSFull Feature P&I
5.35 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankMortgage Offset
5.22 Nil250 Full 95% N/A N/ABoth
St.George BankVariable P&I
5.30 10.00/m700 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 360Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Summerland Credit UnionECO Home Loan Standard
5.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionHome Loan Plus
5.17 Nil800 No 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan Standard
5.24 Nil800 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
The CapricornianLifestyle Variable
5.19 10.00/m785 Full 95% N/A N/ABoth
Transport Mutual Credit UnionBasic Variable
4.81 Nil1010 Full 95% N/A N/AP+I
UBankUHomeLoan ‐ Standard Variable IO
4.46 NilNil No 80% 3 mths 20.00%IO
UniBankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
UniBankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 361Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
WestpacFlexi First Op on IO
4.76 Nil750 No 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan IO
5.41 8.00/m750 Full 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan P&I
5.29 8.00/m750 Full 95% 3 mths 5.00%P+I
AMP BankClassic Variable IO
5.73 10.00/m895 Full 90% N/A N/AIO
AMP BankClassic Variable P+I
5.43 10.00/m895 Full 90% N/A N/AP+I
Arab Bank AustraliaHeadStart Intro Variable 1 yr
3.90 8.00/m600 No 95% 12 mths 20.00%P+I
Auswide BankStandard Variable
5.43 10.00/m600 Full 90% 3 mths 5.00%Both
B&E Personal BankingFlexiDiscount
5.02 10.00/m650 No 95% 3 mths 5.00%P+I
B&E Personal BankingFlexiLine
5.12 10.00/m650 Full 80% 3 mths 5.00%P+I
Bank of SydneyVariable
5.64 10.00/m990 Full 95% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 362Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankSAVariable IO
5.41 10.00/m700 Full 95% 3 mths 5.00%IO
BOQStandard Variable
5.61 10.00/m450 Full 95% 3 mths 5.00%Both
CiOffset Variable IO 500k+ 80%
5.63 8.00/m649 Full 90% 6 mths 5.00%IO
CiOffset Variable P&I 500k+ 80%
5.58 8.00/m649 Full 90% 6 mths 5.00%P+I
CiVariable IO 500k+ 80%
5.63 8.00/m649 No 90% 6 mths 5.00%IO
CiVariable P&I 500k+ 80%
5.58 8.00/m649 No 90% 6 mths 5.00%P+I
St.George BankVariable IO
5.42 10.00/m700 Full 95% 3 mths 5.00%IO
Suncorp BankOwner Occupied Variable 80%
5.55 10.00/m600 Full 95% 3 mths 5.00%Both
The CapricornianIntroductory Rate 1 yr 95%
3.89 Nil785 No 95% N/A N/AP+I
The RockVariable
5.73 5.00/m950 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 363Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Transport Mutual Credit UnionVariable
5.06 Nil1010 Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 364Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Home Loan ‐OO (LVR <80%)
3.79 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaPremium Package Premium 700k+
3.82 350/a595 Full 95% 6 mths 5.00%P+I
Bank of SydneyExpect More Variable PAYG 100k+
3.79 395/aNil Full 80% 6 mths 5.00%P+I
bcuOMG! Variable Rate
3.69 198.00/a900 No 80% N/A N/ABoth
Click LoansThe Online Home Loan 80 750‐1m
3.69 Nil440 No 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80 750‐1m
3.73 198.00/a363 Full 80% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan 80%
3.73 Nil440 Full 80% 3 mths 5.00%P+I
Freedom LendFreedom Variable PI
3.53 NilNil Full 80% N/A N/AP+I
Gateway Credit UnionPremium Variable 80% 150k+
3.73 299/a200 Full 95% 3 mths 5.00%Both
Heritage BankDiscount Variable 150k+
3.79 Nil750 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 365Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Heritage BankHome Advantage Variable 700k+
3.79 350/a150 Full 95% 3 mths 5.00%Both
HSBCHome Value ‐ Owner Occupier
3.75 Nil270 No 90% N/A N/ABoth
HSBCPremier Home Smart 750‐1m
3.85 NilNil Full 90% N/A N/AP+I
HSBCPremier Variable 750‐1m
3.85 NilNil Full 90% N/A N/ABoth
Hume BankProperty Package Variable 500k+
4.20 375/aNil Full 97% 3 mths 5.00%Both
Hunter UnitedPla num Home Loan OO
3.79 8.00/mNil Full 80% N/A N/AP+I
IMBBudget ‐ Owner Occupied 90%
3.87 Nil769 No 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Orange Advantage Variable 80% 500k+ 3.89 199/a299 Full 80% N/A N/ABoth
ING DIRECTOrange Advantage Variable 500k+ 80%
3.89 199.00/a299 Full 95% N/A N/ABoth
loans.com.auEssen als ‐ Owner Occ ‐ PI
3.59 Nil520 No 80% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 366Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
loans.com.auOffset Variable‐Owner Occupier <80%
3.67 Nil520 Full 80% 3 mths 5.00%Both
Macquarie Credit UnionPower 400.00001k+
3.69 400.00/aNil Full 95% N/A N/ABoth
Newcastle PermanentPremium Plus Package Home Loan 750‐899k
3.74 395/aNil Full 90% 3 mths 5.00%Both
Northern Inland CUDream Value Owner Occupied PI 80
3.84 350.00/a330 Full 80% N/A N/AP+I
Pacific Mortgage GroupVariable
3.60 NilNil Full 95% N/A N/ABoth
QBANKClassic Offer 80%
3.88 NilNil No 95% N/A N/ABoth
Qudos BankLow Cost Home Loan‐ OO 750‐999k
3.89 NilNil Full 95% 3 mths 5.00%Both
SCUMy Life Variable Rate Package 500k+
3.87 350/a473 Full 95% 3 mths 5.00%Both
State CustodiansBreathe Easy Offset 80%
3.82 Nil286 Full 95% 3 mths 5.00%Both
State CustodiansStandard Variable Offset 80%
3.69 299.00/a286 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 367Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Victoria Teachers Mutual BankEduca on Package Home Loan Variable First Home Buyer 80% 3.79 300/aNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Variable OO 80%
3.79 300/a300 Full 95% 6 mths 5.00%P+I
Virgin MoneyReward Me ‐ Owner Occupied Var 80 750k+
3.79 10.00/m150 Full 80% N/A N/ABoth
AMO GroupBasic Variable
3.83 120.00/a1180 No 80% N/A N/AP+I
AMO GroupVariable Home Loan
3.83 120.00/a1180 No 95% 3 mths 5.00%Both
AMP BankAffinity Package Classic Variable P+I 750k+
3.85 Nil295 Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable P+I 750k+
3.85 Nil295 Full 90% N/A N/AP+I
AussieOp mizer Plus Variable PI 750k+ 80%
3.81 198.00/aNil Full 95% 3 mths 5.00%P+I
AussieOp mizer Variable PI 750k+ 80%
3.81 NilNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Variable 500k+ 80%
3.95 NilNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 368Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyExpect More Variable 100k+
3.94 395/aNil Full 90% 6 mths 5.00%Both
BankVicPremium Home standard variable 750k+
4.09 375/aNil Full 95% 3 mths 5.00%Both
BankwestComplete Home Loan Variable Owner Occupied 80% 200k+ 3.85 395/a250 Full 80% 3 mths 5.00%Both
BankwestPremium Select Home Loan Owner Occ 80%
4.02 Nil250 Full 90% 3 mths 5.00%Both
BOQEconomy
3.89 10.00/m450 No 80% 3 mths 5.00%Both
CUAFresh Start Access
4.16 Nil195 Full 95% 3 mths 5.00%Both
CUAFresh Start Basic
3.89 Nil795 No 80% 3 mths 5.00%Both
CUAFresh Start Variable
4.11 Nil195 Full 80% 3 mths 5.00%Both
FirstmacVIP Pack 80 P&I
3.89 Nil520 Full 80% 3 mths 5.00%P+I
Freedom LendFreedom Variable IO 80%
3.93 375.00/aNil Full 95% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 369Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
G&C Mutual BankGet Ahead Start Home Ln
3.99 Nil500 Full 100% N/A N/AP+I
G&C Mutual BankPremium Package Premium 300k+
3.99 375/aNil Full 95% 0 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ PI 80 150‐499k
3.83 198.00/a1056 Full 80% 3 mths 5.00%P+I
HSBCHome Value ‐ OO (Fee Free Op on)
3.78 NilNil No 90% N/A N/ABoth
IMBEssen als ‐ Owner Occupied 90%
4.09 NilNil Full 95% 3 mths 5.00%Both
iMortgageFusion Variable PI 80 500k+
3.64 120.00/a363 No 80% 3 mths 5.00%P+I
Macquarie BankOffset Variable Owner Occupied PI 750k+ 80%
3.84 199.00/sNil Full 90% N/A N/AP+I
MEMember Package Flexible Home Loan OO Max 80 LVR 700k+ 3.84 395/a400 Full 80% 3 mths 5.00%Both
Mortgage HouseEssen als 80
3.82 10.00/m595 Full 80% N/A N/AP+I
MOVE ‐ People Driven BankingEconomy
3.99 5.00/m450 Full 80% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 370Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
MOVE ‐ People Driven BankingFirst Home Owners Loan
3.99 Nil450 Full 97% 3 mths 5.00%Both
My Credit UnionPla num
3.89 375.00/a610 Full 95% 3 mths 5.00%Both
MyStateSpecial Residen al Home Loan 80%
3.99 Nil650 Full 95% N/A N/ABoth
Northern Inland CUDream Value Owner Occupied IO 80
3.99 350.00/a330 Full 80% N/A N/AIO
P&N Bank& Home Loan
3.99 Nil395 Full 90% 3 mths 5.00%P+I
P&N BankHome Loan & Bag & Home Loan 10k+
3.99 Nil395 Full 90% 3 mths 5.00%P+I
QBANKClassic Home Loan P&I Only
3.87 NilNil No 80% N/A N/AP+I
QBANKClassic Plus Residen al Variable 500k+
4.09 25/mNil Full 95% N/A N/ABoth
QT Mutual BankChoices Mortgage Breaker 500k+
4.02 395/aNil Full 95% N/A N/ABoth
QT Mutual BankMortgage Saver
3.88 NilNil No 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 371Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankTeachers' Life Mortgage Breaker 500k+
4.02 25/mNil Full 95% N/A N/ABoth
Queenslanders CUSpecial Variable Rate P&I 500k+
3.98 Nil595 Full 90% N/A N/AP+I
Select Encompass Credit UnionVariable Home Loan
4.24 NilNil Full 95% N/A N/ABoth
Southern Cross Credit UnionPla num Professional Home Loan
3.98 400.00/a425 Full 95% 3 mths 5.00%Both
Suncorp BankOO Back To Basics 90%
3.88 Nil600 No 95% 3 mths 5.00%Both
Teachers Mutual BankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
Teachers Mutual BankSolu ons Plus Home Loan 750k+ 80%
3.95 200.00/a750 Full 95% 3 mths 5.00%Both
The MacBasic Variable 500k+
4.04 Nil1320 No 95% N/A N/ABoth
The RockEssen als Special 80%
3.99 Nil650 Full 90% N/A N/ABoth
UBankValue Offer ‐ 20% Deposit Minimum
3.74 NilNil No 80% 3 mths 20.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 372Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
UniBankClassic
3.94 Nil675 No 85% 3 mths 5.00%P+I
UniBankSolu ons Plus Home Loan 750k+ 80%
3.95 200.00/a750 Full 95% 3 mths 5.00%Both
Victoria Teachers Mutual BankComplete Variable First Home Buyer 80%
3.89 NilNil Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Variable ‐ Owner Occupied 80%
3.89 Nil600 Full 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Variable ‐ Owner Occupied 80% 3.89 NilNil Full 95% 6 mths 5.00%P+I
Adelaide BankSmar it Variable 90%
4.09 15.00/m495 Full 95% N/A N/ABoth
Adelaide BankSmartSaver 90%
4.04 Nil495 No 95% N/A N/ABoth
AMP BankAffinity Package Classic Variable IO 750k+
4.15 Nil895 Full 90% N/A N/AIO
AMP BankBasic Variable Loan IO
4.28 Nil545 Full 90% N/A N/AIO
AMP BankBasic Variable Loan P+I
3.98 Nil545 Full 90% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 373Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankEssen al Home Loan
3.89 Nil295 No 90% N/A N/AP+I
AMP BankProfessional Package Classic Variable IO 750k+
4.15 349/a895 Full 90% N/A N/AIO
AMP BankProfessional Package Classic Variable P+I 750k+
3.85 349/aNil Full 90% N/A N/AP+I
AMP BankSelect Package Classic Variable IO 750k+
4.15 Nil895 Full 90% N/A N/AIO
ANZBreakfree Variable 500k+
4.35 Nil160 Full 90% N/A N/ABoth
ANZSimplicity Plus
4.55 Nil160 No 90% N/A N/ABoth
AussieOp mizer Plus Variable IO 750k+
4.04 198.00/aNil Full 80% 3 mths 5.00%IO
AussieOp mizer Variable IO 750k+
4.04 NilNil No 80% 3 mths 5.00%IO
AussieSelect Standard Variable 500k+ 80%
3.95 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankStandard Variable Offset 80%
4.69 Nil1014 Full 95% 3 mths 10.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 374Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Australian Military BankValue Home Loan 500k+ 80%
4.09 Nil1014 Full 95% 3 mths 10.00%P+I
Auswide BankFreedom Package Standard Variable 150k+
3.89 395/aNil Full 90% 3 mths 5.00%Both
Auswide BankRBA Rate Tracker Home Loan
3.99 Nil900 No 80% N/A N/AP+I
B&E Personal BankingFlexiDiscount LVR Special
3.99 10.00/m230 No 80% 3 mths 5.00%P+I
B&E Personal BankingTopline 90%
4.19 Nil650 Full 95% 3 mths 5.00%P+I
Bank AustraliaPremium
4.82 Nil595 Full 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Variable IO 750k+
4.44 395/a700 Full 95% 3 mths 5.00%IO
Bank of MelbourneAdvantage Package Variable P&I 750k+
4.32 395/aNil Full 95% 3 mths 5.00%P+I
Bank of MelbourneBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
Bank of MelbourneBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 375Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankSAAdvantage Package Variable IO 750k+
4.51 395/a700 Full 95% 3 mths 5.00%IO
BankSAAdvantage Package Variable P&I 750k+
4.39 395/a700 Full 95% 3 mths 5.00%P+I
BankSABasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
BankSABasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
BankVic2 Year Introductory Variable 2 yrs
3.79 Nil600 No 95% 3 mths 5.00%P+I
BankVicBase Variable
3.99 Nil600 No 95% 3 mths 5.00%P+I
BankVicoffset
4.64 Nil600 Full 95% 3 mths 5.00%P+I
BankVicstandard variable
4.59 Nil600 Full 95% 3 mths 5.00%Both
bcuDiscount Variable Rate
4.55 Nil600 Full 95% N/A N/ABoth
bcuMaximum Discount Variable
4.25 Nil600 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 376Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bendigo BankBasic Variable Owner Occupied
4.28 10.00/m350 No 95% N/A N/ABoth
Bendigo BankConnect Package Variable Owner Occupied 500k+
4.23 20/mNil Full 95% N/A N/ABoth
Bendigo BankResiden al Variable 500k+
4.58 10.00/mNil Full 95% N/A N/ABoth
Beyond BankBasic Variable
4.40 11.00/m595 No 95% N/A N/AP+I
Beyond BankPinnacle +Plus Pkg Variable 300k+
4.60 NilNil Full 95% N/A N/ABoth
Beyond BankTotal Home Loan Variable 500k+
4.30 395/aNil Full 95% N/A N/ABoth
BOQClear Path Variable Home Loan
4.47 10.00/m150 Full 95% 3 mths 5.00%Both
Catalyst MoneyVariable IO
4.15 Nil607 Full 95% N/A N/AIO
Catalyst MoneyVariable PI
4.20 Nil607 Full 95% N/A N/AP+I
CiMortgage Plus Offset Variable IO 80% 500k+
4.22 350/a649 Full 90% 6 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 377Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiMortgage Plus Offset Variable P&I 80% 500k+
4.17 350/aNil Full 90% 6 mths 5.00%P+I
CiMortgage Plus Variable IO 80% 500k+
4.22 350/aNil No 90% 6 mths 5.00%IO
CiMortgage Plus Variable P&I 80% 500k+
4.17 350/a649 No 90% 6 mths 5.00%P+I
Commonwealth BankEconomiser Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankNo Fee Variable Rate
4.52 NilNil No 95% N/A N/ABoth
Commonwealth BankRate Saver Intro Variable 3 yrs
3.99 Nil200 No 95% N/A N/ABoth
Commonwealth BankWealth Package Discount Intro Variable 1 yr 150k+
4.52 395/a595 Full 95% N/A N/ABoth
Commonwealth BankWealth Package Standard Variable 750k+
4.52 395/a595 Full 95% N/A N/ABoth
Community First CUAccelerator Home Loan True Value Var Hl 250k+
4.27 395/a660 Full 95% 3 mths 20.00%Both
Community First CUTrue Basic Home Loan 80%
4.10 Nil600 No 95% 3 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 378Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CUABasic Variable
4.68 Nil795 No 95% 3 mths 5.00%Both
CUARate Breaker Rate Breaker 250k+
4.25 350/aNil Full 95% 3 mths 5.00%Both
Defence BankEssen als Variable
4.45 8.00/m970 Full 95% 3 mths 5.00%Both
Easy Street Fin ServicesStandard Variable Rate Home Loan
4.10 Nil500 Full 80% 3 mths 20.00%Both
ECU AustraliaPremium Plus Standard Variable 250.00001k+
4.31 360/aNil Full 95% 6 mths 5.00%Both
FCCS Credit UnionEasy Start Home Loan
3.99 Nil750 No 80% 6 mths 5.00%P+I
FCCS Credit UnionRewards
4.69 Nil750 Full 95% N/A N/ABoth
First Op on Credit UnionPackaged Home Loan Standard Variable 600k+
4.15 375/a657 Full 95% 12 mths 20.00%Both
FirstmacHome Loan 80
4.29 Nil520 Full 80% 3 mths 5.00%Both
FirstmacVIP Pack 80 IO
4.09 Nil520 Full 80% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 379Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
FirstmacVital 80 IO
3.99 Nil720 No 80% 3 mths 5.00%IO
FirstmacVital 80 P&I
3.79 Nil720 No 80% 3 mths 5.00%P+I
G&C Mutual BankSolu ons Package Solu ons
4.76 350/aNil Full 95% N/A 5.00%Both
Gateway Credit UnionLow Rate Essen als
4.32 Nil275 No 80% 3 mths 5.00%Both
Holiday Coast CUHome Sweet Home Standard
4.64 360.00/a264 Full 95% 3 mths 5.00%Both
Holiday Coast CUKeep It Simple Standard
4.64 Nil664 No 95% 3 mths 5.00%Both
HomeloansMonipower
4.24 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Variable ‐ Owner Occ IO 80 150‐749k
4.06 198.00/a1056 Full 80% 3 mths 5.00%IO
HomeloansUltra Plus Variable IO 80 500k+
4.04 120.00/a363 No 80% N/A N/AIO
HomeloansUltra Plus Variable PI 80 500k+
3.84 120.00/a363 No 80% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 380Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Horizon Credit UnionBasic Home Loan
4.59 5.00/m945 Full 95% 6 mths 5.00%Both
Horizon Credit UnionClassic Home Loan
4.99 NilNil Full 95% 6 mths 5.00%Both
Horizon Credit UnionKickstart First Home Buyer Loan
4.34 8.00/m945 Full 95% 6 mths 5.00%P+I
Horizon Credit UnionMortgage Breaker Home Loan
4.59 150.00/a860 Full 95% 6 mths 5.00%Both
Horizon Credit UnionSPECIAL Value Plus Home Loan
4.09 8.00/m960 Full 95% 6 mths 5.00%P+I
Hume BankInterest Saver
4.45 Nil750 No 95% 3 mths 5.00%Both
Hume BankInterest Saver (Refinance)
4.45 Nil150 No 95% 3 mths 5.00%Both
Hunter UnitedBasic Variable
4.55 8.00/m350 No 95% N/A N/AP+I
Hunter UnitedGreen Home Loan
4.50 8.00/m850 No 95% N/A N/AP+I
Hunter UnitedPackage Home Loan Variable 100k+
4.69 295/aNil Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 381Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Illawarra CU NSWVariable IO
4.15 Nil607 Full 95% N/A N/AIO
Illawarra CU NSWVariable PI
4.20 Nil607 Full 95% N/A N/AP+I
IMBAccelerator ‐ Owner Occupied 2 yrs
3.74 Nil769 Full 80% 3 mths 5.00%Both
IMBIntroductory Variable 1 yr
4.09 10.00/m769 No 95% 3 mths 5.00%Both
IMBPla num Package Standard Variable 90% 500k+
4.34 Nil324 Full 80% 3 mths 5.00%Both
iMortgageEssen al 80%
3.89 Nil363 No 90% 3 mths 5.00%Both
iMortgageFusion Variable IO 80 500k+
3.84 120.00/a363 No 80% 3 mths 5.00%IO
ING DIRECTMortgage Simplifier 500k+
4.04 Nil519 No 80% N/A N/ABoth
Liberty FinancialLiberty Free 70 ‐ 80 LVR
4.39 NilNil Full 80% N/A N/AP+I
Liberty FinancialLiberty Star 70 ‐ 80 LVR
4.14 295.00/aNil Full 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 382Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Macquarie BankBasic Variable Owner Occupied PI 80 750k+
3.84 NilNil No 80% 0 mths 5.00%P+I
Macquarie Credit UnionHome Loan Variable
4.89 Nil561 Full 95% 3 mths 5.00%Both
MEBasic Home Loan OO Max 80 LVR
4.09 Nil400 No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Home Loan 80
4.32 Nil500 Full 80% N/A N/AP+I
Mortgage HouseAdvantage Standard Variable
4.57 10.00/m595 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable 750k+
4.57 10.00/m895 Full 95% 3 mths 5.00%Both
Mortgage HouseAdvantage Variable One 80
4.12 10.00/m500 Full 80% N/A N/AP+I
MOVE ‐ People Driven BankingStandard Variable Rate
4.85 Nil450 Full 95% N/A N/ABoth
My Credit UnionHome Loan
4.54 Nil610 No 95% 3 mths 5.00%Both
My Credit UnionIdeal Home Loan
4.34 Nil610 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 383Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
My Credit UnionIntro Variable 1 yr
3.60 Nil610 No 95% 3 mths 5.00%Both
NABBase Variable Rate ‐ IO
4.63 Nil600 No 95% 3 mths 5.00%IO
NABBase Variable Rate ‐ P&I
4.10 Nil600 No 95% 3 mths 5.00%P+I
NABChoice Package Tailored Variable ‐ IO 750k+
4.45 395/aNil Full 90% 3 mths 5.00%IO
NABChoice Package Tailored Variable ‐ P&I 750k+
4.35 395/aNil Full 95% 3 mths 5.00%P+I
NABPrivate Tailored Pkg Tailored Variable ‐ P&I 750k+
4.35 750/a600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentDiscounted Real Deal 3 yrs
4.30 NilNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Plus Package Real Deal 50k+
4.55 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentReal Deal
4.55 NilNil Par al 95% 3 mths 5.00%Both
Northern Inland CUBasic Owner Occupied
4.53 10.00/m830 No 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 384Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Northern Inland CUHome Loan Value Owner Occupied 750k+
4.38 350.00/a330 Full 95% N/A N/AP+I
P&N BankSmooth Home Loan 80%
4.64 Nil395 No 90% 3 mths 5.00%Both
People's Choice Credit UnionBasic Variable 90%
4.24 Nil200 No 95% 3 mths 5.00%Both
Pepper MoneyEssen al Full Doc 80%
4.40 10.00/m1039 Full 95% N/A N/AP+I
Pepper MoneyEssen al Full Doc PLUS 80%
4.65 10.00/m1039 Full 95% N/A N/ABoth
Police BankGoldrate Home Loan 30 yrs
4.04 Nil545 No 80% 3 mths 5.00%P+I
QBANKClassic Home Loan
4.49 NilNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Home Loan 250k+
4.39 25/mNil No 95% N/A N/ABoth
QBANKClassic Plus Classic Offer 80% 500k+
4.09 25/mNil No 80% N/A N/ABoth
QT Mutual BankMortgage Breaker
4.92 Nil600 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 385Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Qudos BankStandard Variable Rate
4.48 Nil600 Full 95% 3 mths 5.00%Both
Queenslanders CUQueenslanders Ul mate Home Loan
4.45 100.00/a595 Full 95% N/A N/ABoth
Queenslanders CUSpecial Variable Rate IO 500k+
4.14 Nil595 Full 90% N/A N/AIO
RAMSLow Rate IO
4.55 Nil870 Full 95% 3 mths 5.00%IO
RAMSLow Rate P&I
4.45 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankBasic 25 yrs
4.42 Nil250 No 95% N/A N/ABoth
Regional Australia BankBasic Special 3 yrs
3.87 Nil250 No 95% N/A N/ABoth
Regional Australia BankPartnership Advantage Variable 250k+
4.17 375.00/aNil Full 95% N/A N/ABoth
RESI Mortgage CorpFlexi Op ons 80%
4.09 Nil854 Full 95% 3 mths 5.00%Both
RESI Mortgage CorpSmart Pro IO 500k+ 80%
4.21 Nil649 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 386Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
RESI Mortgage CorpSmart Pro P&I 500k+ 80%
4.10 Nil649 No 95% 3 mths 5.00%P+I
SCUBasic Home Loan
3.77 Nil673 No 95% 3 mths 5.00%P+I
SCUProPack 250k+
4.40 Nil673 Full 95% 3 mths 5.00%Both
SCUStandard Variable
5.00 Nil673 Full 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankStandard Variable 500k+
4.35 8.00/m750 Full 95% 3 mths 5.00%Both
Southern Cross Credit UnionPla num Home Loan
4.18 400.00/a425 Full 95% 3 mths 5.00%Both
St.George BankAdvantage Package Variable IO 750k+
4.52 395/a700 Full 95% 3 mths 5.00%IO
St.George BankAdvantage Package Variable P&I 750k+
4.40 395/aNil Full 95% 3 mths 5.00%P+I
St.George BankBasic Promo Variable IO
4.12 Nil600 No 95% 3 mths 5.00%IO
St.George BankBasic Promo Variable P&I
4.08 Nil600 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 387Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Summerland Credit UnionEco Home Loan
4.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionEco PI 80
3.97 Nil600 No 80% N/A N/AP+I
Summerland Credit UnionOffset Home Loan
4.24 8.00/m800 Full 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan PI 80
4.04 8.00/m800 Full 80% N/A N/AP+I
Summerland Credit UnionPremium
4.17 380.00/aNil No 95% 3 mths 5.00%P+I
Summerland Credit UnionPremium PI 80
3.97 380.00/aNil No 80% N/A N/AP+I
Suncorp BankHome Package Plus Owner Occupied Variable 80% 750k+ 4.40 375/aNil Full 90% 3 mths 5.00%Both
Teachers Mutual BankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
The CapricornianPremium Choice Variable 500k+
4.49 Nil785 Full 95% N/A N/ABoth
The MacHome Loan 250k+
4.69 Nil1463 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 388Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The MacOffset Home Loan
4.94 Nil1320 Full 95% N/A N/ABoth
The MutualBudget
4.18 Nil150 No 90% 6 mths 10.00%P+I
The MutualMutual
4.38 Nil300 Par al 90% 3 mths 5.00%Both
The MutualPremium Variable
4.73 NilNil Full 95% 3 mths 5.00%Both
The RockRockstar Package Rock Star Package Variable 80% 150k+
4.23 350/aNil Full 95% N/A N/ABoth
UBankUHomeLoan ‐ Real Reward Offer IO
4.13 NilNil No 80% 3 mths 20.00%IO
UBankUHomeLoan ‐ Standard Variable PI
4.17 NilNil No 80% 3 mths 20.00%P+I
UniBankMy First Home Loan
4.81 NilNil Full 98% 3 mths 5.00%Both
Victoria Teachers Mutual BankStandard Variable OO 80%
4.59 Nil600 Full 95% 6 mths 5.00%P+I
WestpacFlexi First Op on P&I
4.64 Nil750 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 389Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
WestpacPremier Advantage Rocket Repay Home Loan IO 750k+
4.51 395/a150 Full 95% 3 mths 5.00%IO
WestpacPremier Advantage Rocket Repay Home Loan P&I 750k+
4.39 395/a150 Full 95% 3 mths 5.00%P+I
WestpacSpecial Flexi First Op on IO 3 yrs
4.03 Nil750 No 80% 3 mths 5.00%IO
WestpacSpecial Flexi First Op on P&I 3 yrs
3.99 Nil750 No 95% 3 mths 5.00%P+I
Woolworths Employees CUOwner Occupied Special Offer
4.21 NilNil Full 95% 3 mths 5.00%P+I
Woolworths Employees CUStandard Variable
4.71 NilNil Full 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Package Empower Variable IO 750k+
4.04 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Variable PI 0‐80 750‐1m
3.81 Nil363 No 80% N/A N/AP+I
Yellow Brick RoadEmpower Variable IO 750k+
4.04 Nil363 No 80% N/A N/AIO
Yellow Brick RoadEmpower Variable PI 0‐80 750‐1m
3.81 Nil363 No 80% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 390Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
ANZVariable
5.25 5.00/m760 Full 90% N/A N/ABoth
Arab Bank AustraliaEssen als Home Loan
5.34 Nil250 Full 95% 12 mths 20.00%Both
Arab Bank AustraliaThe Basics
5.24 8.00/m600 No 95% 12 mths 20.00%P+I
B&E Personal BankingResiden al FlexiChoice
5.12 10.00/m650 Full 95% 3 mths 5.00%P+I
Bank of MelbourneVariable IO
5.34 10.00/m700 Full 95% 3 mths 5.00%IO
Bank of MelbourneVariable P&I
5.22 10.00/m700 Full 95% 3 mths 5.00%P+I
BankSAVariable IO
5.41 10.00/m700 Full 95% 3 mths 5.00%IO
BankSAVariable P&I
5.29 10.00/m700 Full 95% 3 mths 5.00%P+I
BankwestRegular Saver Home Loan Owner Occ
4.85 Nil250 Full 95% 3 mths 5.00%Both
BankwestVariable Owner Occupied 80%
5.35 Nil250 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 391Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
bcuStandard Variable
4.95 Nil600 Full 95% N/A N/ABoth
Beyond BankVariable
5.10 Nil595 Full 95% N/A N/ABoth
BOQFirst Start 1 yr
4.61 10.00/m645 Full 95% 3 mths 5.00%Both
CiBasic Variable IO 500k+ 80%
4.42 Nil649 No 90% N/A N/AIO
CiBasic Variable P&I 500k+ 80%
4.37 Nil649 No 90% N/A N/AP+I
Commonwealth BankDiscount Intro Variable 1 yr
4.52 8.00/m800 Full 95% N/A N/ABoth
Commonwealth BankEconomiser
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankRate Saver
4.76 8.00/m800 No 95% N/A N/ABoth
Commonwealth BankStandard Variable
5.22 8.00/m800 Full 95% N/A N/ABoth
Community First CUTrue Value Var Hl
5.17 Nil600 Full 95% 3 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 392Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Delphi BankComplete
5.37 6.00/m770 No 90% 6 mths 10.00%Both
Delphi BankEssen al
5.37 8.00/m1020 No 90% 6 mths 10.00%Both
ECU AustraliaStandard Variable
5.12 Nil1020 Full 95% 6 mths 5.00%Both
FCCS Credit UnionFirst Home Buyers 1 yr
4.29 Nil750 No 80% N/A N/ABoth
First Op on Credit UnionStandard Variable
4.99 Nil657 Full 95% 12 mths 20.00%Both
G&C Mutual BankStandard Variable
5.15 Nil500 Full 95% 0 mths 5.00%Both
Gateway Credit UnionVariable 80%
4.96 Nil750 Full 95% 3 mths 5.00%Both
Heritage BankVariable
5.04 8.00/m150 Full 95% 3 mths 5.00%Both
Holiday Coast CULive Life Standard
5.24 8.00/m664 Full 95% 3 mths 5.00%Both
HSBCHome Smart
5.23 Nil853 Full 90% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 393Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HSBCVariable
5.23 Nil853 Full 90% N/A N/ABoth
Hume BankVariable
5.10 Nil750 Full 97% 3 mths 5.00%Both
Hume BankVariable (Refinance)
5.10 Nil150 Full 97% 3 mths 5.00%Both
Hunter UnitedInterest Only
4.90 Nil350 No 90% N/A N/AIO
IMBStandard Variable 90%
5.09 Nil769 Full 95% 3 mths 5.00%Both
Macquarie Credit UnionBasic Home Loan
4.64 Nil561 No 95% 3 mths 3.00%P+I
Macquarie Credit UnionFirst Home Buyers 3 yrs
4.39 Nil464 Full 95% 3 mths 5.00%P+I
Macquarie Credit UnionIntroductory Rate Home Loan 1 yr
4.39 Nil561 Full 95% 3 mths 3.00%P+I
MEFlexible Home Loan OO Max 80 LVR
5.03 Nil400 Full 80% 3 mths 5.00%Both
My Credit UnionAdvantage Home Loan
4.74 Nil610 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 394Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
MyStateStandard Variable
5.23 Nil350 Full 95% N/A N/ABoth
NABBase Variable Indicator Rate
5.04 Nil600 No 95% 3 mths 5.00%Both
NABTailored Variable ‐ IO
5.35 8.00/m600 Full 90% 3 mths 5.00%IO
NABTailored Variable ‐ P&I
5.25 8.00/m600 Full 95% 3 mths 5.00%P+I
Newcastle PermanentPremium Plus Package Real Op ons
4.95 395/aNil Par al 95% 3 mths 5.00%Both
Newcastle PermanentPremium Variable
5.17 NilNil Full 95% 3 mths 5.00%Both
Newcastle PermanentReal Op ons
4.95 NilNil Par al 95% 3 mths 5.00%Both
Northern Inland CUSmart Variable Owner Occupied
5.33 Nil930 Full 95% N/A N/AP+I
P&N BankEasypay Variable 80%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
P&N BankEasypay Variable 95%
5.14 8.00/m395 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 395Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
People's Choice Credit UnionStandard Variable
5.21 Nil950 Full 95% 3 mths 5.00%Both
Police BankPremium Variable
4.74 Nil1045 Full 95% N/A N/ABoth
QBANKStandard Variable
4.99 NilNil No 95% N/A N/ABoth
RAMSFull Feature IO
5.45 Nil870 Full 95% 3 mths 5.00%IO
RAMSFull Feature P&I
5.35 Nil870 Full 95% 3 mths 5.00%P+I
Regional Australia BankMortgage Offset
5.22 Nil250 Full 95% N/A N/ABoth
St.George BankVariable P&I
5.30 10.00/m700 Full 95% 3 mths 5.00%P+I
Summerland Credit UnionECO Home Loan Standard
5.17 Nil600 No 95% 3 mths 5.00%P+I
Summerland Credit UnionHome Loan Plus
5.17 Nil800 No 95% 3 mths 5.00%P+I
Summerland Credit UnionOffset Home Loan Standard
5.24 Nil800 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 396Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Teachers Mutual BankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
The CapricornianLifestyle Variable
5.19 10.00/m785 Full 95% N/A N/ABoth
Transport Mutual Credit UnionBasic Variable
4.81 Nil1010 Full 95% N/A N/AP+I
UBankUHomeLoan ‐ Standard Variable IO
4.46 NilNil No 80% 3 mths 20.00%IO
UniBankFlexi Choice
5.26 Nil750 Full 95% 3 mths 5.00%P+I
UniBankInterest Only Variable
5.26 Nil750 Full 95% 3 mths 5.00%IO
WestpacFlexi First Op on IO
4.76 Nil750 No 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan IO
5.41 8.00/m750 Full 95% 3 mths 5.00%IO
WestpacRocket Repay Home Loan P&I
5.29 8.00/m750 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 397Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankClassic Variable IO
5.73 10.00/m895 Full 90% N/A N/AIO
AMP BankClassic Variable P+I
5.43 10.00/m895 Full 90% N/A N/AP+I
Arab Bank AustraliaHeadStart Intro Variable 1 yr
3.90 8.00/m600 No 95% 12 mths 20.00%P+I
Auswide BankStandard Variable
5.43 10.00/m600 Full 90% 3 mths 5.00%Both
B&E Personal BankingFlexiDiscount
5.02 10.00/m650 No 95% 3 mths 5.00%P+I
B&E Personal BankingFlexiLine
5.12 10.00/m650 Full 80% 3 mths 5.00%P+I
Bank of SydneyVariable
5.64 10.00/m990 Full 95% 6 mths 5.00%Both
BOQStandard Variable
5.61 10.00/m450 Full 95% 3 mths 5.00%Both
CiOffset Variable IO 500k+ 80%
5.63 8.00/m649 Full 90% 6 mths 5.00%IO
CiOffset Variable P&I 500k+ 80%
5.58 8.00/m649 Full 90% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 398Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer Variable $750,000
Genuine Savings
Length
Family Guarantee Available
We 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.
Home Loans Star Ratings
CiVariable IO 500k+ 80%
5.63 8.00/m649 No 90% 6 mths 5.00%IO
CiVariable P&I 500k+ 80%
5.58 8.00/m649 No 90% 6 mths 5.00%P+I
St.George BankVariable IO
5.42 10.00/m700 Full 95% 3 mths 5.00%IO
Suncorp BankOwner Occupied Variable 80%
5.55 10.00/m600 Full 95% 3 mths 5.00%Both
The CapricornianIntroductory Rate 1 yr 95%
3.89 Nil785 No 95% N/A N/AP+I
The RockVariable
5.73 5.00/m950 Full 95% N/A N/ABoth
Transport Mutual Credit UnionVariable
5.06 Nil1010 Full 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 399Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
