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Key Features Standard Variable Base Variable The 1-year Introductory
Fixed Rate

The 1-year Introductory Fixed Rate

First Home Buyer Option

 Fixed Rate Home Loans 1, 2, 3, 4, or 5 year terms HomePlus
line-of-credit
Interest Rate/s 6.85% p.a. 6.45% p.a. 6.05% p.a. 6.05% p.a. 5.95% p.a. (1 year)
6.00% p.a. (2 year)
6.00% p.a. (3 year)
6.65% p.a. (4 year)
6.75% p.a. (5 year)		 7.30% p.a.
Monthly Service fee $8.00 $8.00 $8.00 Nil for the first 12 months $8.00 $7.50 (prior to 10 March 2008)
$12.00 (after 10 March 2008)
Maximum amount 80% of the property value, 97% of the property value with Lender's Mortgage Insurance 80% of the property value, 97% of the property value with Lender's Mortgage Insurance 80% of the property value, 97% of the property value with Lender's Mortgage Insurance 80% of the property value, 97% of the property value with Lender's Mortgage Insurance 80% of the property value, 97% of the property value with Lender's Mortgage Insurance 80% of the property value
Loan period Up to 30 years Up to 30 years Up to 30 years Up to 30 years Up to 30 years N/A
Purpose (owner occupied (OO), investment (I)) OO, I OO, I OO, I OO OO, I OO, I
Repayments Monthly/ Fortnightly/ Weekly Monthly/ Fortnightly/ Weekly Monthly/ Fortnightly/ Weekly Monthly/ Fortnightly/ Weekly Monthly/ Fortnightly/ Weekly Monthly/ Fortnightly/ Weekly
Interest charges Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly
Mortgage Application Fee
(includes application
and processing)		 $500 plus cost of valuation $500 plus cost of valuation $500 plus cost of valuation $0 plus
cost of valuation		 $500 plus cost of valuation $500 plus cost of valuation
Variable and lump sum repayments Yes Yes Yes^ Yes^ Yes^ Yes
Redraw facility Yes No Yes Yes Yes* N/A
100% loan offset facility* Yes No Yes Yes Yes N/A
Pioneer Banking Package eligible loan? Yes No No No Yes No
Top up facility available Yes Yes No No No Yes
Auto repayments (salary/account) Yes Yes Yes Yes Yes Yes
Split/Combination variable and fixed rate Yes Yes Yes Yes Yes Yes
Portability option Yes Yes Yes Yes Yes Yes
Construction Loan option Yes Yes Yes Yes Yes Yes
Supplementary Loan option Yes Yes Yes Yes Yes Yes
Family Assist option Yes Yes Yes Yes Yes Yes
Interest only option Yes Yes Yes Yes Yes Yes
Bridging Loan option# Yes No No No No No
Loan Repayment Insurance available Yes Yes Yes Yes Yes Yes

Fees and charges and terms and conditions apply to some of these services. Some loan services may require a separate application and are subject to assessment.

+ May also depend on property zoning and valuation.

^ Early repayment fees may apply.

* Available for loans funded from 1 January 2012.

# Interest rate available upon request or application.