| | Essential - 1 Year Fixed | Essential - 2 Year Fixed | Toggle Conservative Plus - 1 Year Fixed | Toggle Conservative Max - 1 Year Fixed | Toggle Advantage Max - 1 Year Fixed | Vantage Offset Home Loan Package | Essential - 3 Year Fixed | Pure & Simple Home Loan | Advantage Max Home Loan | Essential Max Home Loan | Conservative Plus Home Loan | Conservative Max Home Loan |
Interest Rate: | 6.17% p.a. | 6.28% p.a. | 6.31% p.a. * | 6.31% p.a. * | 6.31% p.a. * | 6.39% p.a. | 6.40% p.a. | 6.44% p.a. | 6.44% p.a. | 6.44% p.a. | 6.44% p.a. | 6.44% p.a. |
| Comparison Rate: | 6.97% p.a. | 6.91% p.a. | 6.64% p.a. | 6.64% p.a. | 6.64% p.a. | 7.01% p.a. | 6.84% p.a. | 6.46% p.a. | 6.46% p.a. | 6.46% p.a. | 6.46% p.a. | 6.46% p.a. |
Annual Fee: | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $375.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Interest Rate Options: | Fixed | Fixed | Variable, Toggle, Fixed, Interest Only, Split | Variable, Toggle, Fixed, Interest Only, Split | Variable, Toggle, Fixed, Interest Only, Split | Variable, Fixed, Split | Fixed | Variable, Fixed, Split | Variable, Fixed, Interest Only, Split | Variable, Fixed, Interest Only, Split | Variable, Fixed, Interest Only, Split | Variable, Fixed, Interest Only, Split |
| Minimum Loan Amount: | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $10,000.00 | $650,000.00 | $650,000.00 | $250,000.00 | $650,000.00 |
| Maximum Loan To Property Value: | 80% | 80% | 60% | 60% | 90% | 90% | 80% | 80% | 90% | 80% | 60% | 60% |
| Loan Term: | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years | Up to 30 years |
| Application Fee: | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Settlement Fee: | $200.00 | $200.00 | $200.00 | $200.00 | $200.00 | $275.00 | $200.00 | $200.00 | $200.00 | $200.00 | $200.00 | $200.00 |
| Redraw Facility: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Additional Repayment Allowed: | Yes, up to $20,000 p.a. | Yes, up to $20,000 p.a. | Yes | Yes | Yes | Yes | Yes, up to $20,000 p.a. | Yes | Yes | Yes | Yes, up to $20,000 p.a. | Yes, up to $20,000 p.a. |
| Family Pledge: | No | No | No | No | No | No | No | No | No | No | No | No |
| Low Doc Option: | No | No | Yes | Yes | No | No | No | No | No | Yes | Yes | Yes |
| Portability: | $645 per move | $645 per move | $645 per move | $645 per move | $645 per move | $670 per move | $645 per move | $645 per move | $645 per move | $645 per move | $645 per move | $645 per move |
| Transactions Per Month: | $20 worth of transactions per month (conditions apply) | $20 worth of transactions per month (conditions apply) | $20 worth of free transactions per month(conditions apply) | $20 worth of free transactions per month(conditions apply) | $20 worth of free transactions per month(conditions apply) | $20 worth of transactions per month (conditions apply) | $20 worth of transactions per month(conditions apply) | $20 worth of transactions per month (conditions apply) | $20 worth of transactions per month (conditions apply) | $20 worth of transactions per month (conditions apply) | $20 worth of free transactions per month(conditions apply) | $20 worth of free transactions per month(conditions apply) |
| Bridging Capabilities: | No | No | No | No | No | No | No | No | No | No | No | No |
| Suitable For Companies And Trusts: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Construction: | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes |
| Progress Draws For Construction: | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | n/a | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee | $110 each + $300 once off Admin fee |
| Parental Leave: | No | No | No | No | No | No | No | No | No | No | No | No |
| Reduced Repayment: | No | No | No | No | No | No | No | No | No | No | No | No |
| Repayment Holiday: | No | No | No | No | No | No | No | No | No | No | No | No |
| Top-up: | $645 each | $645 each | $645 each | $645 each | $645 each | $670 each | $645 each | $645 each | $645 each | $645 each | $645 each | $645 each |
| Cash Back: | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Monthly Access Fee: | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Australia Post Deposit: | Yes | Yes | Yes | Yes | Yes | No | Yes | No | Yes | Yes | Yes | Yes |
| Bpay In: | Yes | Yes | Yes | Yes | Yes | No | Yes | No | No | No | Yes | Yes |
| Direct Credit: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Direct Salary Credit: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Unlimited Free Direct Debits: | Yes | Yes | Yes | Yes | Yes | No | Yes | No | Yes | Yes | Yes | Yes |
| 3rd party Direct Debit (Money Out): | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Credit Card Sweep Capability: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| 3rd Party Protocol Friendly: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Bpay Out: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Debit Card: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Telegraphic Transfer: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Electronic Link to Nominated Account(s): | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Unlimited Free LoanPal Redraws (to nominated account): | Yes | Yes | Yes | Yes | Yes | No | Yes | No | Yes | Yes | Yes | Yes |
| Pay-Anyone EFT: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Number of Free Splits: | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capitalise Interest: | No | No | No | No | No | No | No | No | No | No | No | No |
| Visa Card: | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
