canstar · company product rate (%)* principal+ int/intonly or both loan fees at 250k ($) upfront...
TRANSCRIPT
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Fixed (LVR <80%) 3 yrs
3.84 NilNil No 80% 6 mths 5.00%P+I
Beyond BankPinnacle +Plus Pkg Residen al Fixed 3 yrs 200k+
3.99 NilNil No 95% N/A N/ABoth
Community First CUTrue Fixed 3 yrs
3.69 Nil600 Full 95% 3 mths 20.00%Both
Easy Street Fin ServicesFixed Rate Home Loan Offer 3 yrs
3.59 Nil500 Full 95% 3 mths 20.00%Both
Freedom LendFreedom Fixed PI 3 yrs
3.79 395.00/aNil No 95% N/A N/AP+I
G&C Mutual BankGet Ahead Start Fixed 3 Year 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
Pacific Mortgage GroupResiden al Fixed 3 yrs
3.82 NilNil No 95% 6 mths 5.00%P+I
QBANKResiden al Fixed 3 yrs
3.95 NilNil No 95% N/A N/ABoth
Regional Australia BankPartnership Advantage Fixed 3 yrs
3.99 375.00/aNil Full 95% N/A N/ABoth
SCUMy Life Residen al Fixed 3 yrs 150k+
3.69 350/a473 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 1Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
SCUResiden al Fixed 3 yrs
3.69 Nil673 No 95% 3 mths 5.00%Both
Select Encompass Credit UnionFixed 3 yrs
3.79 NilNil No 95% N/A N/ABoth
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 3 yrs
3.79 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 3 yrs 3.69 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 3 yrs 3.79 NilNil No 95% 6 mths 5.00%P+I
Auswide BankFreedom Package Standard Fixed 3 yrs 80% 150k+
3.89 395/aNil Full 95% 3 mths 5.00%Both
Bank AustraliaPremium Fixed Package Residen al Fixed 3 yrs 10k+
3.79 350/a595 No 95% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 3 yrs
3.94 Nil595 No 95% 6 mths 5.00%P+I
Beyond BankTotal Home Loan Residen al Fixed 3 yrs 50k+
3.89 395/aNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 2Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CUAFixed ‐ Owner Occupier 3 yrs
3.96 Nil795 No 95% 3 mths 5.00%Both
Easy Street Fin ServicesEasy Street Fixed 3 yrs
3.99 Nil500 Full 95% 3 mths 20.00%Both
Freedom LendFreedom Fixed IO 3 yrs
3.84 395.00/aNil No 95% N/A N/AIO
G&C Mutual BankResiden al 3yr Fixed 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
Horizon Credit UnionFixed Rate Home Loan 3 yrs
4.09 Nil945 Full 95% 6 mths 5.00%Both
IMBPla num Package Residen al Fixed 3 yrs 90% 150k+
3.75 Nil324 No 90% 3 mths 5.00%Both
IMBResiden al Fixed 3 yrs 90%
3.85 6.00/m769 No 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 3 yrs 150k+
3.99 199/a519 No 95% N/A N/ABoth
MOVE ‐ People Driven BankingLockit 3 yrs
4.04 Nil450 Full 95% N/A N/ABoth
Newcastle PermanentResiden al Fixed 3 yrs
3.99 NilNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 3Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankChoices Residen al Fixed 3 yrs 20k+
3.85 395/aNil No 95% N/A N/ABoth
QT Mutual BankResiden al Fixed 3 yrs
3.95 Nil600 No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 3 yrs 20k+
3.85 25/m600 No 95% N/A N/ABoth
Teachers Mutual BankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
The RockResiden al Fixed 3 yrs 80%
4.09 5.00/m950 No 95% N/A N/ABoth
UBankUHomeLoan Fixed IO 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%IO
UBankUHomeLoan Fixed PI 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%P+I
UniBankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 3 yrs 3.69 300/a300 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 4Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Adelaide BankSmartFix 3 yrs
4.48 15.00/m495 Full 95% N/A N/ABoth
ANZBreakfree Residen al Fixed 3 yrs 150k+
4.19 Nil160 No 90% N/A N/ABoth
ANZResiden al Fixed 3 yrs
4.34 10.00/m760 No 90% N/A N/ABoth
AussieOp mizer Fixed PI 3 yrs
4.24 NilNil No 95% 3 mths 5.00%P+I
AussieOp mizer Plus Fixed PI 3 yrs
4.24 198.00/aNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Fixed 3 yrs 80%
4.09 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 3 yrs
4.09 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankFixed Rate 3 yrs 80%
3.99 Nil1014 No 95% 3 mths 5.00%Both
Bank of MelbourneAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 5Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyExpect More Residen al Fixed PAYG 3 yrs 100k+
3.88 395/a780 No 90% 6 mths 5.00%Both
Bank of SydneyResiden al Fixed 3 yrs
4.29 10.00/m780 No 90% 6 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
BankVicFixed 3 yrs
3.97 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 3 yrs 50k+
3.87 375/aNil No 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 3 yrs 200k+ 4.09 395/a250 Par al 90% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 3 yrs
4.19 12.00/m545 Par al 90% 3 mths 5.00%Both
bcuFixed Rate Special Residen al 3 yrs
3.70 495.00/a600 No 95% N/A N/ABoth
Bendigo BankBasic Fixed Owner Occupied 3 yrs
4.34 10.00/m829 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 6Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bendigo BankResiden al Fixed 3 yrs
4.34 10.00/mNil Par al 95% N/A N/ABoth
Beyond BankResiden al Fixed 3 yrs
4.14 Nil595 No 95% N/A N/ABoth
BOQResiden al 3yr Fixed 3 yrs
3.99 10.00/m450 No 80% 3 mths 5.00%Both
Catalyst MoneyFixed Lite 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
Click LoansThe Online Home Loan Fixed 3 yrs
4.29 Nil363 No 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 3 yrs
4.24 8.00/m800 Par al 95% N/A N/ABoth
Commonwealth BankWealth Package Residen al Fixed 3 yrs 150k+
4.09 395/a595 Par al 95% N/A N/ABoth
CUAPremium Fixed ‐ Owner Occupier 3 yrs
4.18 Nil795 Full 95% 3 mths 5.00%Both
Defence BankEssen als Fixed 3 yrs
4.19 8.00/m970 No 95% 3 mths 5.00%Both
FirstmacVIP Pack Fixed 3 yrs
4.29 Nil520 No 90% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 7Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Gateway Credit UnionPremium Residen al Fixed 3 yrs 150k+
3.93 299/a750 No 80% 3 mths 5.00%Both
Gateway Credit UnionResiden al Fixed 3 yrs
4.13 Nil750 No 80% 3 mths 5.00%Both
Heritage BankHome Advantage Residen al Fixed 3 yrs 150k+
3.99 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 3 yrs
3.99 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 3 yrs
4.19 8.00/m664 No 95% 3 mths 5.00%Both
Homestar FinanceOwner Occupied IO Fixed 3 yrs
4.09 Nil633 Full 90% N/A N/AIO
Homestar FinanceOwner Occupied P&I Fixed 3 yrs
3.84 Nil633 Full 90% N/A N/AP+I
HSBC3 Year Fixed 3 yrs
4.19 Nil853 No 90% N/A N/ABoth
HSBCPremier 3 Year Fixed 3 yrs 50k+
4.09 Nil300 No 90% N/A N/ABoth
Hume BankProperty Package Residen al Fixed 3 yrs 150k+
3.99 375/aNil No 97% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 8Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Hume BankResiden al Fixed (Refinance) 3 yrs
4.09 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 3 yrs
4.09 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed Lite 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
iMortgageFusion Fixed PI 80 3 yrs
3.84 120.00/a363 No 80% 3 mths 5.00%P+I
ING DIRECTResiden al Fixed 3 yrs
4.09 Nil519 No 95% N/A N/ABoth
Liberty FinancialLiberty Fixed 3 yrs
4.24 295.00/aNil Full 85% N/A N/ABoth
loans.com.auFixed ‐ Owner Occupier 3 yrs
4.19 Nil520 No 90% 3 mths 5.00%Both
Macquarie BankBasic Fixed Owner Occupied PI 3 yrs
4.24 NilNil No 95% 0 mths 5.00%P+I
MEFlexible Fixed OO Max 80 LVR 3 yrs
4.09 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 3 yrs 40k+ 4.09 395/aNil No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 9Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Mortgage HouseAdvantage Fixed 3 yrs 100‐749k
4.48 10.00/m895 Full 95% 3 mths 5.00%Both
My Credit UnionFixed Rate 3 yrs
4.19 Nil610 No 95% 3 mths 5.00%Both
MyStateResiden al Fixed 3 yrs 80%
4.09 Nil350 No 95% N/A N/ABoth
NABChoice Package Standard Fixed 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
NABChoice Package Tailored Fixed ‐ IO 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%IO
NABPrivate Tailored Pkg Standard Fixed 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%Both
NABStandard Fixed 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%Both
NABTailored Fixed ‐ IO 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%IO
Newcastle PermanentPremium Plus Package Residen al Fixed 3 yrs
3.99 395/aNil No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 3 yrs
4.09 Nil930 No 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 10Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
People's Choice Credit UnionHome Loan Package Residen al Fixed 3 yrs 150k+
3.99 395/a150 No 95% 3 mths 5.00%Both
People's Choice Credit UnionResiden al Fixed 3 yrs
4.14 8.00/m950 No 95% 3 mths 5.00%Both
Police BankPremium Fixed 3 yrs
4.04 Nil1045 No 95% N/A N/ABoth
Qudos BankFixed Rate 3 yrs
4.09 NilNil No 95% 3 mths 5.00%Both
Queenslanders CUFixed Rate P&I 3 yrs
4.34 Nil595 Full 95% N/A N/AP+I
Reduce Home LoansHome Owners Dream 3 Yr Fixed 3 yrs
4.19 Nil1164 Full 95% 3 mths 15Both
Regional Australia BankSteady Rate 3 yrs
4.09 Nil250 No 95% N/A N/AP+I
RESI Mortgage CorpSmart Pro Fixed P&I 3 yrs 80%
4.07 Nil649 No 95% 3 mths 5.00%P+I
SERVICE ONE Alliance BankResiden al Fixed 3 yrs
4.34 8.00/m750 Full 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 11Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
St.George BankResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 3 yrs
4.19 Nil800 No 95% 3 mths 5.00%P+I
Suncorp BankHome Package Plus Owner Occupied Fixed 3 yrs 150k+
3.89 375/aNil No 95% 3 mths 5.00%Both
Suncorp BankOwner Occupied Fixed 3 yrs
4.04 10.00/m600 No 95% 3 mths 5.00%Both
Teachers Mutual BankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
The MutualPremium Fixed 3 yrs
3.99 Nil300 No 95% 3 mths 5.00%Both
The RockRockstar Package Residen al Fixed 3 yrs 80% 150k+
4.09 350/aNil No 80% N/A N/ABoth
UniBankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
WestpacFixed Op ons 3 yrs
4.29 8.00/m600 No 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 12Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Yellow Brick RoadEmpower Fixed PI 3 yrs
4.24 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 3 yrs 100k+
4.24 Nil363 No 95% N/A N/AP+I
AMP BankAffinity Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 3 yrs
4.59 Nil545 No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil895 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 3 yrs
4.58 Nil250 No 95% 12 mths 20.00%Both
AussieOp mizer Fixed IO 3 yrs
4.49 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Plus Fixed IO 3 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%IO
Auswide BankStandard Fixed 3 yrs 80%
4.44 10.00/m600 Full 95% 3 mths 5.00%Both
B&E Personal BankingFixed Residen al FlexiChoice 3 yrs 80%
4.49 10.00/m650 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 13Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
B&E Personal BankingFlexiDiscount Fixed 3 yrs 80%
4.39 10.00/m650 No 95% 3 mths 5.00%P+I
Bank of SydneyExpect More Residen al Fixed 3 yrs 100k+
4.29 395/a150 No 90% 6 mths 5.00%Both
bcuResiden al Fixed 3 yrs
4.29 Nil600 No 95% N/A N/ABoth
CiMortgage Plus Standard Fixed P&I 3 yrs 80% 150‐499k
4.24 350/a649 No 90% 6 mths 5.00%P+I
Click LoansThe Online Offset Home Loan Fixed 3 yrs
4.29 198.00/a363 Full 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 3 yrs
4.34 6.00/m1020 No 90% 6 mths 10.00%Both
ECU AustraliaStandard Fixed 3 yrs
4.39 Nil1020 No 95% 6 mths 5.00%Both
HomeloansMoniPower Fixed 3 yrs
4.73 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 3 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansOp ma Fixed ‐ Owner Occupied PI 3 yrs
4.23 198.00/a1056 No 80% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 14Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HomeloansUltra Plus Fixed PI 3 yrs
4.04 120.00/a363 No 95% N/A N/AP+I
Hunter UnitedFixed 3 yrs
4.40 8.00/m350 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 3 yrs
4.04 120.00/a363 No 80% 3 mths 5.00%IO
Macquarie BankOffset Fixed Owner Occupied PI 3 yrs
4.24 199.00/sNil No 95% N/A N/AP+I
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%IO
P&N BankResiden al Fixed IO 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%IO
P&N BankResiden al Fixed PI 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%P+I
RAMSFixed Rate IO 3 yrs
4.34 20.00/m870 No 95% 3 mths 5.00%IO
RAMSFixed Rate P&I 3 yrs
4.24 20.00/m870 No 95% 3 mths 5.00%P+I
RESI Mortgage CorpSmart Pro Fixed IO 3 yrs 80%
4.27 Nil649 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 15Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The CapricornianLifestyle Fixed 3 yrs
4.45 10.00/m785 Full 95% N/A N/ABoth
The CapricornianPremium Choice Fixed 3 yrs
4.25 Nil785 Full 95% N/A N/ABoth
The MacStandard Fixed 3 yrs
4.74 Nil1463 No 95% N/A N/ABoth
Yellow Brick RoadEmpower Fixed IO 3 yrs
4.49 Nil363 No 90% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Fixed IO 3 yrs 100k+
4.49 Nil363 No 90% N/A N/AIO
AMP BankProfessional Package Residen al Classic Fixed 3 yrs 100k+
4.59 349/aNil No 90% N/A N/ABoth
AMP BankResiden al Classic Fixed 3 yrs
4.70 Nil895 No 90% N/A N/ABoth
CiMortgage Plus Standard Fixed IO 3 yrs 80% 150‐m
4.29 350/a649 No 90% 6 mths 5.00%IO
CiStandard Fixed IO 3 yrs 50‐499k 80%
4.49 8.00/m649 No 90% 6 mths 5.00%IO
CiStandard Fixed P&I 3 yrs 50‐499k 80%
4.44 8.00/m649 No 90% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 16Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
First Op on Credit UnionPackaged Home Loan Residen al Fixed 3 yrs 5‐599k
4.80 375/a657 Full 95% 12 mths 20.00%Both
First Op on Credit UnionResiden al Fixed 3 yrs
5.05 Nil657 Full 95% 12 mths 20.00%Both
HomeloansUltra Plus Fixed IO 3 yrs
4.24 120.00/a363 No 95% N/A N/AIO
Woolworths Employees CUOwner Occupied Fixed 3 yrs
4.84 NilNil No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 17Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
AMO GroupResiden al Fixed 3 yrs
3.89 120.00/a1180 No 95% 3 mths 5.00%Both
Bank AustraliaPremium Fixed Package Residen al Fixed 3 yrs 10k+
3.79 350/a595 No 95% 6 mths 5.00%P+I
Beyond BankPinnacle +Plus Pkg Residen al Fixed 3 yrs 200k+
3.99 NilNil No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 3 yrs 50k+
3.89 395/aNil No 95% N/A N/ABoth
Community First CUTrue Fixed 3 yrs
3.69 Nil600 Full 95% 3 mths 20.00%Both
Easy Street Fin ServicesFixed Rate Home Loan Offer 3 yrs
3.59 Nil500 Full 95% 3 mths 20.00%Both
Freedom LendFreedom Fixed PI 3 yrs
3.79 395.00/aNil No 95% N/A N/AP+I
Pacific Mortgage GroupResiden al Fixed 3 yrs
3.82 NilNil No 95% 6 mths 5.00%P+I
Queenslanders CUSpecial Fixed Rate P&I 3 yrs
3.99 Nil595 Full 90% N/A N/AP+I
Regional Australia BankPartnership Advantage Fixed 3 yrs
3.99 375.00/aNil Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 18Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
SCUMy Life Residen al Fixed 3 yrs 150k+
3.69 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 3 yrs
3.69 Nil673 No 95% 3 mths 5.00%Both
Select Encompass Credit UnionFixed 3 yrs
3.79 NilNil No 95% N/A N/ABoth
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 3 yrs
3.79 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 3 yrs 3.69 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 3 yrs 3.79 NilNil No 95% 6 mths 5.00%P+I
Auswide BankFreedom Package Standard Fixed 3 yrs 80% 150k+
3.89 395/aNil Full 95% 3 mths 5.00%Both
Bank AustraliaBasic Fixed (LVR <80%) 3 yrs
3.84 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 3 yrs
3.94 Nil595 No 95% 6 mths 5.00%P+I
bcuFixed Rate Special Residen al 3 yrs
3.70 495.00/a600 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 19Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CUAFixed ‐ Owner Occupier 3 yrs
3.96 Nil795 No 95% 3 mths 5.00%Both
Freedom LendFreedom Fixed IO 3 yrs
3.84 395.00/aNil No 95% N/A N/AIO
G&C Mutual BankGet Ahead Start Fixed 3 Year 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
G&C Mutual BankResiden al 3yr Fixed 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
IMBPla num Package Residen al Fixed 3 yrs 90% 150k+
3.75 Nil324 No 90% 3 mths 5.00%Both
IMBResiden al Fixed 3 yrs 90%
3.85 6.00/m769 No 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 3 yrs 150k+
3.99 199/a519 No 95% N/A N/ABoth
MOVE ‐ People Driven BankingLockit 3 yrs
4.04 Nil450 Full 95% N/A N/ABoth
People's Choice Credit UnionHome Loan Package Residen al Fixed 3 yrs 150k+
3.99 395/a150 No 95% 3 mths 5.00%Both
QBANKResiden al Fixed 3 yrs
3.95 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 20Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankChoices Residen al Fixed 3 yrs 20k+
3.85 395/aNil No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 3 yrs 20k+
3.85 25/m600 No 95% N/A N/ABoth
Teachers Mutual BankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
The RockResiden al Fixed 3 yrs 80%
4.09 5.00/m950 No 95% N/A N/ABoth
UBankUHomeLoan Fixed IO 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%IO
UBankUHomeLoan Fixed PI 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%P+I
UniBankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 3 yrs 3.69 300/a300 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 21Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Adelaide BankSmartFix 3 yrs
4.48 15.00/m495 Full 95% N/A N/ABoth
ANZBreakfree Residen al Fixed 3 yrs 150k+
4.19 Nil160 No 90% N/A N/ABoth
ANZResiden al Fixed 3 yrs
4.34 10.00/m760 No 90% N/A N/ABoth
AussieOp mizer Fixed PI 3 yrs
4.24 NilNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Fixed 3 yrs 80%
4.09 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 3 yrs
4.09 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankFixed Rate 3 yrs 80%
3.99 Nil1014 No 95% 3 mths 5.00%Both
Bank of MelbourneAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Bank of SydneyExpect More Residen al Fixed PAYG 3 yrs 100k+
3.88 395/a780 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 22Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyResiden al Fixed 3 yrs
4.29 10.00/m780 No 90% 6 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
BankVicFixed 3 yrs
3.97 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 3 yrs 50k+
3.87 375/aNil No 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 3 yrs 200k+ 4.09 395/a250 Par al 90% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 3 yrs
4.19 12.00/m545 Par al 90% 3 mths 5.00%Both
Bendigo BankBasic Fixed Owner Occupied 3 yrs
4.34 10.00/m829 No 95% N/A N/ABoth
Bendigo BankConnect Package Fixed Owner Occupied 3 yrs 250k+
4.19 20/m250 Full 95% N/A N/ABoth
Bendigo BankResiden al Fixed 3 yrs
4.34 10.00/mNil Par al 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 23Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Beyond BankResiden al Fixed 3 yrs
4.14 Nil595 No 95% N/A N/ABoth
BOQResiden al 3yr Fixed 3 yrs
3.99 10.00/m450 No 80% 3 mths 5.00%Both
Catalyst MoneyFixed 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
Commonwealth BankResiden al Fixed 3 yrs
4.24 8.00/m800 Par al 95% N/A N/ABoth
Commonwealth BankWealth Package Residen al Fixed 3 yrs 150k+
4.09 395/a595 Par al 95% N/A N/ABoth
CUAPremium Fixed ‐ Owner Occupier 3 yrs
4.18 Nil795 Full 95% 3 mths 5.00%Both
Defence BankEssen als Fixed 3 yrs
4.19 8.00/m970 No 95% 3 mths 5.00%Both
Easy Street Fin ServicesEasy Street Fixed 3 yrs
3.99 Nil500 Full 95% 3 mths 20.00%Both
FirstmacVIP Pack Fixed 3 yrs
4.29 Nil520 No 90% 3 mths 5.00%Both
Gateway Credit UnionPremium Residen al Fixed 3 yrs 150k+
3.93 299/a750 No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 24Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Gateway Credit UnionResiden al Fixed 3 yrs
4.13 Nil750 No 80% 3 mths 5.00%Both
Heritage BankHome Advantage Residen al Fixed 3 yrs 150k+
3.99 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 3 yrs
3.99 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 3 yrs
4.19 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied PI 3 yrs
4.23 198.00/a1056 No 80% 3 mths 5.00%P+I
Homestar FinanceOwner Occupied IO Fixed 3 yrs
4.09 Nil633 Full 90% N/A N/AIO
Homestar FinanceOwner Occupied P&I Fixed 3 yrs
3.84 Nil633 Full 90% N/A N/AP+I
Horizon Credit UnionFixed Rate Home Loan 3 yrs
4.09 Nil945 Full 95% 6 mths 5.00%Both
HSBC3 Year Fixed 3 yrs
4.19 Nil853 No 90% N/A N/ABoth
HSBCPremier 3 Year Fixed 3 yrs 50k+
4.09 Nil300 No 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 25Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Hume BankProperty Package Residen al Fixed 3 yrs 150k+
3.99 375/aNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed (Refinance) 3 yrs
4.09 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 3 yrs
4.09 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
iMortgageFusion Fixed PI 80 3 yrs
3.84 120.00/a363 No 80% 3 mths 5.00%P+I
ING DIRECTResiden al Fixed 3 yrs
4.09 Nil519 No 95% N/A N/ABoth
Liberty FinancialLiberty Fixed 3 yrs
4.24 295.00/aNil Full 85% N/A N/ABoth
loans.com.auFixed ‐ Owner Occupier 3 yrs
4.19 Nil520 No 90% 3 mths 5.00%Both
MEFlexible Fixed OO Max 80 LVR 3 yrs
4.09 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 3 yrs 40k+ 4.09 395/aNil No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 26Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Mortgage HouseAdvantage Fixed 3 yrs 100‐749k
4.48 10.00/m895 Full 95% 3 mths 5.00%Both
My Credit UnionFixed Rate 3 yrs
4.19 Nil610 No 95% 3 mths 5.00%Both
MyStateResiden al Fixed 3 yrs 80%
4.09 Nil350 No 95% N/A N/ABoth
NABChoice Package Standard Fixed 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
NABChoice Package Tailored Fixed ‐ IO 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%IO
NABPrivate Tailored Pkg Standard Fixed 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%IO
NABStandard Fixed 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%Both
NABTailored Fixed ‐ IO 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%IO
Newcastle PermanentPremium Plus Package Residen al Fixed 3 yrs
3.99 395/aNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 27Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Newcastle PermanentResiden al Fixed 3 yrs
3.99 NilNil No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 3 yrs
4.09 Nil930 No 95% N/A N/AP+I
People's Choice Credit UnionResiden al Fixed 3 yrs
4.14 8.00/m950 No 95% 3 mths 5.00%Both
Police BankPremium Fixed 3 yrs
4.04 Nil1045 No 95% N/A N/ABoth
QT Mutual BankResiden al Fixed 3 yrs
3.95 Nil600 No 95% N/A N/ABoth
Qudos BankFixed Rate 3 yrs
4.09 NilNil No 95% 3 mths 5.00%Both
Queenslanders CUFixed Rate P&I 3 yrs
4.34 Nil595 Full 95% N/A N/AP+I
RAMSFixed Rate P&I 3 yrs
4.24 20.00/m870 No 95% 3 mths 5.00%P+I
Reduce Home LoansHome Owners Dream 3 Yr Fixed 3 yrs
4.19 Nil1164 Full 95% 3 mths 15Both
Regional Australia BankSteady Rate 3 yrs
4.09 Nil250 No 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 28Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
RESI Mortgage CorpFlexi Op ons Fixed 3 yrs
4.73 Nil854 Full 95% 3 mths 5.00%Both
RESI Mortgage CorpSmart Pro Fixed P&I 3 yrs 80%
4.07 Nil649 No 95% 3 mths 5.00%P+I
SERVICE ONE Alliance BankResiden al Fixed 3 yrs
4.34 8.00/m750 Full 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
St.George BankResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 3 yrs
4.19 Nil800 No 95% 3 mths 5.00%P+I
Suncorp BankHome Package Plus Owner Occupied Fixed 3 yrs 150k+
3.89 375/aNil No 95% 3 mths 5.00%Both
Suncorp BankOwner Occupied Fixed 3 yrs
4.04 10.00/m600 No 95% 3 mths 5.00%Both
Teachers Mutual BankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
The MutualPremium Fixed 3 yrs
3.99 Nil300 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 29Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The RockRockstar Package Residen al Fixed 3 yrs 80% 150k+
4.09 350/aNil No 80% N/A N/ABoth
UniBankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
WestpacFixed Op ons 3 yrs
4.29 8.00/m600 No 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
AMP BankAffinity Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 3 yrs
4.59 Nil545 No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil895 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 3 yrs
4.58 Nil250 No 95% 12 mths 20.00%Both
AussieOp mizer Fixed IO 3 yrs
4.49 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Plus Fixed IO 3 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 30Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AussieOp mizer Plus Fixed PI 3 yrs
4.24 198.00/aNil No 95% 3 mths 5.00%P+I
Auswide BankStandard Fixed 3 yrs 80%
4.44 10.00/m600 Full 95% 3 mths 5.00%Both
B&E Personal BankingFixed Residen al FlexiChoice 3 yrs 80%
4.49 10.00/m650 Full 95% 3 mths 5.00%P+I
B&E Personal BankingFlexiDiscount Fixed 3 yrs 80%
4.39 10.00/m650 No 95% 3 mths 5.00%P+I
Bank of SydneyExpect More Residen al Fixed 3 yrs 100k+
4.29 395/a150 No 90% 6 mths 5.00%Both
bcuResiden al Fixed 3 yrs
4.29 Nil600 No 95% N/A N/ABoth
CiMortgage Plus Standard Fixed P&I 3 yrs 80% 150‐499k
4.24 350/a649 No 90% 6 mths 5.00%P+I
Click LoansThe Online Home Loan Fixed 3 yrs
4.29 Nil363 No 95% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan Fixed 3 yrs
4.29 198.00/a363 Full 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 3 yrs
4.34 6.00/m1020 No 90% 6 mths 10.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 31Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
ECU AustraliaStandard Fixed 3 yrs
4.39 Nil1020 No 95% 6 mths 5.00%Both
HomeloansMoniPower Fixed 3 yrs
4.73 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 3 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansUltra Plus Fixed IO 3 yrs
4.24 120.00/a363 No 95% N/A N/AIO
HomeloansUltra Plus Fixed PI 3 yrs
4.04 120.00/a363 No 95% N/A N/AP+I
Hunter UnitedFixed 3 yrs
4.40 8.00/m350 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 3 yrs
4.04 120.00/a363 No 80% 3 mths 5.00%IO
Macquarie BankBasic Fixed Owner Occupied PI 3 yrs
4.24 NilNil No 95% 0 mths 5.00%P+I
Macquarie BankOffset Fixed Owner Occupied PI 3 yrs
4.24 199.00/sNil No 95% N/A N/AP+I
P&N BankResiden al Fixed IO 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 32Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
P&N BankResiden al Fixed PI 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%P+I
RAMSFixed Rate IO 3 yrs
4.34 20.00/m870 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed IO 3 yrs 80%
4.27 Nil649 No 95% 3 mths 5.00%IO
The CapricornianLifestyle Fixed 3 yrs
4.45 10.00/m785 Full 95% N/A N/ABoth
The CapricornianPremium Choice Fixed 3 yrs
4.25 Nil785 Full 95% N/A N/ABoth
The MacStandard Fixed 3 yrs
4.74 Nil1463 No 95% N/A N/ABoth
Yellow Brick RoadEmpower Fixed PI 3 yrs
4.24 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed IO 3 yrs 100k+
4.49 Nil363 No 90% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Fixed PI 3 yrs 100k+
4.24 Nil363 No 95% N/A N/AP+I
AMP BankProfessional Package Residen al Classic Fixed 3 yrs 100k+
4.59 349/aNil No 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 33Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankResiden al Classic Fixed 3 yrs
4.70 Nil895 No 90% N/A N/ABoth
CiMortgage Plus Standard Fixed IO 3 yrs 80% 150‐m
4.29 350/a649 No 90% 6 mths 5.00%IO
CiStandard Fixed IO 3 yrs 50‐499k 80%
4.49 8.00/m649 No 90% 6 mths 5.00%IO
CiStandard Fixed P&I 3 yrs 50‐499k 80%
4.44 8.00/m649 No 90% 6 mths 5.00%P+I
First Op on Credit UnionPackaged Home Loan Residen al Fixed 3 yrs 5‐599k
4.80 375/a657 Full 95% 12 mths 20.00%Both
First Op on Credit UnionResiden al Fixed 3 yrs
5.05 Nil657 Full 95% 12 mths 20.00%Both
Woolworths Employees CUOwner Occupied Fixed 3 yrs
4.84 NilNil No 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed IO 3 yrs
4.49 Nil363 No 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 34Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
AMO GroupResiden al Fixed 3 yrs
3.89 120.00/a1180 No 95% 3 mths 5.00%Both
Bank AustraliaPremium Fixed Package Residen al Fixed 3 yrs 10k+
3.79 350/a595 No 95% 6 mths 5.00%P+I
Beyond BankPinnacle +Plus Pkg Residen al Fixed 3 yrs 200k+
3.99 NilNil No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 3 yrs 50k+
3.89 395/aNil No 95% N/A N/ABoth
Community First CUTrue Fixed 3 yrs
3.69 Nil600 Full 95% 3 mths 20.00%Both
Easy Street Fin ServicesFixed Rate Home Loan Offer 3 yrs
3.59 Nil500 Full 95% 3 mths 20.00%Both
Freedom LendFreedom Fixed PI 3 yrs
3.79 395.00/aNil No 95% N/A N/AP+I
IMBPla num Package Residen al Fixed 3 yrs 90% 150k+
3.75 Nil324 No 90% 3 mths 5.00%Both
Pacific Mortgage GroupResiden al Fixed 3 yrs
3.82 NilNil No 95% 6 mths 5.00%P+I
Queenslanders CUSpecial Fixed Rate P&I 3 yrs
3.99 Nil595 Full 90% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 35Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Regional Australia BankPartnership Advantage Fixed 3 yrs
3.99 375.00/aNil Full 95% N/A N/ABoth
SCUMy Life Residen al Fixed 3 yrs 150k+
3.69 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 3 yrs
3.69 Nil673 No 95% 3 mths 5.00%Both
Select Encompass Credit UnionFixed 3 yrs
3.79 NilNil No 95% N/A N/ABoth
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 3 yrs 3.69 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 3 yrs 3.69 300/a300 No 95% 6 mths 5.00%P+I
Auswide BankFreedom Package Standard Fixed 3 yrs 80% 150k+
3.89 395/aNil Full 95% 3 mths 5.00%Both
Bank AustraliaBasic Fixed (LVR <80%) 3 yrs
3.84 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 3 yrs
3.94 Nil595 No 95% 6 mths 5.00%P+I
bcuFixed Rate Special Residen al 3 yrs
3.70 495.00/a600 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 36Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CUAFixed ‐ Owner Occupier 3 yrs
3.96 Nil795 No 95% 3 mths 5.00%Both
Freedom LendFreedom Fixed IO 3 yrs
3.84 395.00/aNil No 95% N/A N/AIO
G&C Mutual BankGet Ahead Start Fixed 3 Year 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
G&C Mutual BankResiden al 3yr Fixed 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
Hume BankProperty Package Residen al Fixed 3 yrs 150k+
3.99 375/aNil No 97% 3 mths 5.00%Both
IMBResiden al Fixed 3 yrs 90%
3.85 6.00/m769 No 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 3 yrs 150k+
3.99 199/a519 No 95% N/A N/ABoth
MOVE ‐ People Driven BankingLockit 3 yrs
4.04 Nil450 Full 95% N/A N/ABoth
People's Choice Credit UnionHome Loan Package Residen al Fixed 3 yrs 150k+
3.99 395/a150 No 95% 3 mths 5.00%Both
QBANKResiden al Fixed 3 yrs
3.95 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 37Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankChoices Residen al Fixed 3 yrs 20k+
3.85 395/aNil No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 3 yrs 20k+
3.85 25/m600 No 95% N/A N/ABoth
The RockResiden al Fixed 3 yrs 80%
4.09 5.00/m950 No 95% N/A N/ABoth
UBankUHomeLoan Fixed PI 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 3 yrs
3.79 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 3 yrs 3.79 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Adelaide BankSmartFix 3 yrs
4.48 15.00/m495 Full 95% N/A N/ABoth
ANZBreakfree Residen al Fixed 3 yrs 150k+
4.19 Nil160 No 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 38Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
ANZResiden al Fixed 3 yrs
4.34 10.00/m760 No 90% N/A N/ABoth
AussieOp mizer Fixed PI 3 yrs
4.24 NilNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Fixed 3 yrs 80%
4.09 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 3 yrs
4.09 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankFixed Rate 3 yrs 80%
3.99 Nil1014 No 95% 3 mths 5.00%Both
Bank of MelbourneAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Bank of SydneyExpect More Residen al Fixed 3 yrs 100k+
4.29 395/a150 No 90% 6 mths 5.00%Both
Bank of SydneyExpect More Residen al Fixed PAYG 3 yrs 100k+
3.88 395/a780 No 90% 6 mths 5.00%Both
Bank of SydneyResiden al Fixed 3 yrs
4.29 10.00/m780 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 39Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankSAAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
BankVicFixed 3 yrs
3.97 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 3 yrs 50k+
3.87 375/aNil No 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 3 yrs 200k+ 4.09 395/a250 Par al 90% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 3 yrs
4.19 12.00/m545 Par al 90% 3 mths 5.00%Both
Bendigo BankBasic Fixed Owner Occupied 3 yrs
4.34 10.00/m829 No 95% N/A N/ABoth
Bendigo BankResiden al Fixed 3 yrs
4.34 10.00/mNil Par al 95% N/A N/ABoth
Beyond BankResiden al Fixed 3 yrs
4.14 Nil595 No 95% N/A N/ABoth
BOQResiden al 3yr Fixed 3 yrs
3.99 10.00/m450 No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 40Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Catalyst MoneyFixed 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
Click LoansThe Online Offset Home Loan Fixed 3 yrs
4.29 198.00/a363 Full 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 3 yrs
4.24 8.00/m800 Par al 95% N/A N/ABoth
Commonwealth BankWealth Package Residen al Fixed 3 yrs 150k+
4.09 395/a595 Par al 95% N/A N/ABoth
CUAPremium Fixed ‐ Owner Occupier 3 yrs
4.18 Nil795 Full 95% 3 mths 5.00%Both
Defence BankEssen als Fixed 3 yrs
4.19 8.00/m970 No 95% 3 mths 5.00%Both
Easy Street Fin ServicesEasy Street Fixed 3 yrs
3.99 Nil500 Full 95% 3 mths 20.00%Both
FirstmacVIP Pack Fixed 3 yrs
4.29 Nil520 No 90% 3 mths 5.00%Both
Gateway Credit UnionPremium Residen al Fixed 3 yrs 150k+
3.93 299/a750 No 80% 3 mths 5.00%Both
Gateway Credit UnionResiden al Fixed 3 yrs
4.13 Nil750 No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 41Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Heritage BankHome Advantage Residen al Fixed 3 yrs 150k+
3.99 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 3 yrs
3.99 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 3 yrs
4.19 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied PI 3 yrs
4.23 198.00/a1056 No 80% 3 mths 5.00%P+I
Horizon Credit UnionFixed Rate Home Loan 3 yrs
4.09 Nil945 Full 95% 6 mths 5.00%Both
HSBC3 Year Fixed 3 yrs
4.19 Nil853 No 90% N/A N/ABoth
HSBCPremier 3 Year Fixed 3 yrs 50k+
4.09 Nil300 No 90% N/A N/ABoth
Hume BankResiden al Fixed (Refinance) 3 yrs
4.09 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 3 yrs
4.09 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 42Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
iMortgageFusion Fixed PI 80 3 yrs
3.84 120.00/a363 No 80% 3 mths 5.00%P+I
ING DIRECTResiden al Fixed 3 yrs
4.09 Nil519 No 95% N/A N/ABoth
Liberty FinancialLiberty Fixed 3 yrs
4.24 295.00/aNil Full 85% N/A N/ABoth
loans.com.auFixed ‐ Owner Occupier 3 yrs
4.19 Nil520 No 90% 3 mths 5.00%Both
MEFlexible Fixed OO Max 80 LVR 3 yrs
4.09 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 3 yrs 40k+ 4.09 395/aNil No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Fixed 3 yrs 100‐749k
4.48 10.00/m895 Full 95% 3 mths 5.00%Both
My Credit UnionFixed Rate 3 yrs
4.19 Nil610 No 95% 3 mths 5.00%Both
MyStateResiden al Fixed 3 yrs 80%
4.09 Nil350 No 95% N/A N/ABoth
NABChoice Package Standard Fixed 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 43Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABChoice Package Tailored Fixed ‐ IO 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%IO
NABPrivate Tailored Pkg Standard Fixed 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%IO
NABStandard Fixed 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%Both
NABTailored Fixed ‐ IO 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%IO
Newcastle PermanentPremium Plus Package Residen al Fixed 3 yrs
3.99 395/aNil No 95% 3 mths 5.00%Both
Newcastle PermanentResiden al Fixed 3 yrs
3.99 NilNil No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 3 yrs
4.09 Nil930 No 95% N/A N/AP+I
People's Choice Credit UnionResiden al Fixed 3 yrs
4.14 8.00/m950 No 95% 3 mths 5.00%Both
Police BankPremium Fixed 3 yrs
4.04 Nil1045 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 44Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankResiden al Fixed 3 yrs
3.95 Nil600 No 95% N/A N/ABoth
Qudos BankFixed Rate 3 yrs
4.09 NilNil No 95% 3 mths 5.00%Both
Queenslanders CUFixed Rate P&I 3 yrs
4.34 Nil595 Full 95% N/A N/AP+I
RAMSFixed Rate P&I 3 yrs
4.24 20.00/m870 No 95% 3 mths 5.00%P+I
Reduce Home LoansHome Owners Dream 3 Yr Fixed 3 yrs
4.19 Nil1164 Full 95% 3 mths 15Both
Regional Australia BankSteady Rate 3 yrs
4.09 Nil250 No 95% N/A N/AP+I
RESI Mortgage CorpFlexi Op ons Fixed 3 yrs
4.73 Nil854 Full 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankResiden al Fixed 3 yrs
4.34 8.00/m750 Full 95% 3 mths 5.00%Both
Southern Cross Credit UnionFixed Pla num Home Loan 3 yrs
3.99 400.00/a425 No 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 45Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
St.George BankResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 3 yrs
4.19 Nil800 No 95% 3 mths 5.00%P+I
Suncorp BankHome Package Plus Owner Occupied Fixed 3 yrs 150k+
3.89 375/aNil No 95% 3 mths 5.00%Both
Suncorp BankOwner Occupied Fixed 3 yrs
4.04 10.00/m600 No 95% 3 mths 5.00%Both
Teachers Mutual BankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
The MutualPremium Fixed 3 yrs
3.99 Nil300 No 95% 3 mths 5.00%Both
The RockRockstar Package Residen al Fixed 3 yrs 80% 150k+
4.09 350/aNil No 80% N/A N/ABoth
UBankUHomeLoan Fixed IO 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%IO
UniBankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 46Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
UniBankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
WestpacFixed Op ons 3 yrs
4.29 8.00/m600 No 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
AMP BankAffinity Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 3 yrs
4.59 Nil545 No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil895 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 3 yrs
4.58 Nil250 No 95% 12 mths 20.00%Both
AussieOp mizer Fixed IO 3 yrs
4.49 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Plus Fixed IO 3 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%IO
AussieOp mizer Plus Fixed PI 3 yrs
4.24 198.00/aNil No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 47Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Auswide BankStandard Fixed 3 yrs 80%
4.44 10.00/m600 Full 95% 3 mths 5.00%Both
B&E Personal BankingFixed Residen al FlexiChoice 3 yrs 80%
4.49 10.00/m650 Full 95% 3 mths 5.00%P+I
B&E Personal BankingFlexiDiscount Fixed 3 yrs 80%
4.39 10.00/m650 No 95% 3 mths 5.00%P+I
bcuResiden al Fixed 3 yrs
4.29 Nil600 No 95% N/A N/ABoth
CiMortgage Plus Standard Fixed IO 3 yrs 80% 500k+
4.24 350/a649 No 90% 6 mths 5.00%IO
CiMortgage Plus Standard Fixed P&I 3 yrs 80% 500k+
4.19 350/a649 No 90% 6 mths 5.00%P+I
Click LoansThe Online Home Loan Fixed 3 yrs
4.29 Nil363 No 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 3 yrs
4.34 6.00/m1020 No 90% 6 mths 10.00%Both
ECU AustraliaStandard Fixed 3 yrs
4.39 Nil1020 No 95% 6 mths 5.00%Both
HomeloansMoniPower Fixed 3 yrs
4.73 Nil363 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 48Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HomeloansOp ma Fixed ‐ Owner Occupied IO 3 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansUltra Plus Fixed IO 3 yrs
4.24 120.00/a363 No 95% N/A N/AIO
HomeloansUltra Plus Fixed PI 3 yrs
4.04 120.00/a363 No 95% N/A N/AP+I
Hunter UnitedFixed 3 yrs
4.40 8.00/m350 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 3 yrs
4.04 120.00/a363 No 80% 3 mths 5.00%IO
Macquarie BankBasic Fixed Owner Occupied PI 3 yrs
4.24 NilNil No 95% 0 mths 5.00%P+I
Macquarie BankOffset Fixed Owner Occupied PI 3 yrs
4.24 199.00/sNil No 95% N/A N/AP+I
P&N BankResiden al Fixed IO 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%IO
P&N BankResiden al Fixed PI 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%P+I
RAMSFixed Rate IO 3 yrs
4.34 20.00/m870 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 49Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
RESI Mortgage CorpSmart Pro Fixed IO 3 yrs 80%
4.27 Nil649 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed P&I 3 yrs 80%
4.07 Nil649 No 95% 3 mths 5.00%P+I
The CapricornianLifestyle Fixed 3 yrs
4.45 10.00/m785 Full 95% N/A N/ABoth
The CapricornianPremium Choice Fixed 3 yrs
4.25 Nil785 Full 95% N/A N/ABoth
The MacStandard Fixed 3 yrs
4.74 Nil1463 No 95% N/A N/ABoth
Yellow Brick RoadEmpower Fixed PI 3 yrs
4.24 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 3 yrs 100k+
4.24 Nil363 No 95% N/A N/AP+I
AMP BankProfessional Package Residen al Classic Fixed 3 yrs 100k+
4.59 349/aNil No 90% N/A N/ABoth
AMP BankResiden al Classic Fixed 3 yrs
4.70 Nil895 No 90% N/A N/ABoth
CiStandard Fixed IO 3 yrs 500k+ 80%
4.44 8.00/m649 No 90% 6 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 50Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiStandard Fixed P&I 3 yrs 500k+ 80%
4.39 8.00/m649 No 90% 6 mths 5.00%P+I
First Op on Credit UnionPackaged Home Loan Residen al Fixed 3 yrs 5‐599k
4.80 375/a657 Full 95% 12 mths 20.00%Both
First Op on Credit UnionResiden al Fixed 3 yrs
5.05 Nil657 Full 95% 12 mths 20.00%Both
Woolworths Employees CUOwner Occupied Fixed 3 yrs
4.84 NilNil No 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed IO 3 yrs
4.49 Nil363 No 90% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Fixed IO 3 yrs 100k+
4.49 Nil363 No 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 51Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
AMO GroupResiden al Fixed 3 yrs
3.89 120.00/a1180 No 95% 3 mths 5.00%Both
Bank AustraliaPremium Fixed Package Residen al Fixed 3 yrs 10k+
3.79 350/a595 No 95% 6 mths 5.00%P+I
bcuFixed Rate Special Residen al 3 yrs
3.70 495.00/a600 No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 3 yrs 50k+
3.89 395/aNil No 95% N/A N/ABoth
Community First CUTrue Fixed 3 yrs
3.69 Nil600 Full 95% 3 mths 20.00%Both
Easy Street Fin ServicesFixed Rate Home Loan Offer 3 yrs
3.59 Nil500 Full 95% 3 mths 20.00%Both
Freedom LendFreedom Fixed PI 3 yrs
3.79 395.00/aNil No 95% N/A N/AP+I
IMBPla num Package Residen al Fixed 3 yrs 90% 150k+
3.75 Nil324 No 90% 3 mths 5.00%Both
Pacific Mortgage GroupResiden al Fixed 3 yrs
3.82 NilNil No 95% 6 mths 5.00%P+I
Queenslanders CUSpecial Fixed Rate P&I 3 yrs
3.99 Nil595 Full 90% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 52Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Regional Australia BankPartnership Advantage Fixed 3 yrs
3.99 375.00/aNil Full 95% N/A N/ABoth
SCUMy Life Residen al Fixed 3 yrs 150k+
3.69 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 3 yrs
3.69 Nil673 No 95% 3 mths 5.00%Both
Select Encompass Credit UnionFixed 3 yrs
3.79 NilNil No 95% N/A N/ABoth
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 3 yrs 3.69 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 3 yrs 3.69 300/a300 No 95% 6 mths 5.00%P+I
Auswide BankFreedom Package Standard Fixed 3 yrs 80% 150k+
3.89 395/aNil Full 95% 3 mths 5.00%Both
Bank AustraliaBasic Fixed (LVR <80%) 3 yrs
3.84 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 3 yrs
3.94 Nil595 No 95% 6 mths 5.00%P+I
Beyond BankPinnacle +Plus Pkg Residen al Fixed 3 yrs 200k+
3.99 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 53Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CUAFixed ‐ Owner Occupier 3 yrs
3.96 Nil795 No 95% 3 mths 5.00%Both
Freedom LendFreedom Fixed IO 3 yrs
3.84 395.00/aNil No 95% N/A N/AIO
G&C Mutual BankGet Ahead Start Fixed 3 Year 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
G&C Mutual BankResiden al 3yr Fixed 3 yrs
4.09 Nil500 Full 95% 0 mths 5.00%Both
Hume BankProperty Package Residen al Fixed 3 yrs 150k+
3.99 375/aNil No 97% 3 mths 5.00%Both
IMBResiden al Fixed 3 yrs 90%
3.85 6.00/m769 No 95% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 3 yrs 150k+
3.99 199/a519 No 95% N/A N/ABoth
MOVE ‐ People Driven BankingLockit 3 yrs
4.04 Nil450 Full 95% N/A N/ABoth
People's Choice Credit UnionHome Loan Package Residen al Fixed 3 yrs 150k+
3.99 395/a150 No 95% 3 mths 5.00%Both
QBANKResiden al Fixed 3 yrs
3.95 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 54Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QT Mutual BankChoices Residen al Fixed 3 yrs 20k+
3.85 395/aNil No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 3 yrs 20k+
3.85 25/m600 No 95% N/A N/ABoth
Southern Cross Credit UnionFixed Pla num Professional Loan 3 yrs
3.89 400.00/a425 No 95% 3 mths 5.00%Both
The RockResiden al Fixed 3 yrs 80%
4.09 5.00/m950 No 95% N/A N/ABoth
UBankUHomeLoan Fixed PI 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%P+I
UniBankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 3 yrs
3.79 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 3 yrs 3.79 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 3 yrs
3.79 Nil600 No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 55Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Adelaide BankSmartFix 3 yrs
4.48 15.00/m495 Full 95% N/A N/ABoth
ANZBreakfree Residen al Fixed 3 yrs 150k+
4.19 Nil160 No 90% N/A N/ABoth
ANZResiden al Fixed 3 yrs
4.34 10.00/m760 No 90% N/A N/ABoth
AussieOp mizer Fixed PI 3 yrs
4.24 NilNil No 95% 3 mths 5.00%P+I
AussieSelect Basic Fixed 3 yrs 80%
4.09 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 3 yrs
4.09 15.00/mNil No 95% 3 mths 5.00%Both
Australian Military BankFixed Rate 3 yrs 80%
3.99 Nil1014 No 95% 3 mths 5.00%Both
Bank of MelbourneAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Bank of SydneyExpect More Residen al Fixed 3 yrs 100k+
4.29 395/a150 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 56Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyExpect More Residen al Fixed PAYG 3 yrs 100k+
3.88 395/a780 No 90% 6 mths 5.00%Both
Bank of SydneyResiden al Fixed 3 yrs
4.29 10.00/m780 No 90% 6 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
BankVicFixed 3 yrs
3.97 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 3 yrs 50k+
3.87 375/aNil No 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 3 yrs 200k+ 4.09 395/a250 Par al 90% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 3 yrs
4.19 12.00/m545 Par al 90% 3 mths 5.00%Both
Bendigo BankBasic Fixed Owner Occupied 3 yrs
4.34 10.00/m829 No 95% N/A N/ABoth
Bendigo BankResiden al Fixed 3 yrs
4.34 10.00/mNil Par al 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 57Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Beyond BankResiden al Fixed 3 yrs
4.14 Nil595 No 95% N/A N/ABoth
BOQResiden al 3yr Fixed 3 yrs
3.99 10.00/m450 No 80% 3 mths 5.00%Both
Catalyst MoneyFixed 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
Click LoansThe Online Offset Home Loan Fixed 3 yrs
4.29 198.00/a363 Full 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 3 yrs
4.24 8.00/m800 Par al 95% N/A N/ABoth
Commonwealth BankWealth Package Residen al Fixed 3 yrs 150k+
4.09 395/a595 Par al 95% N/A N/ABoth
CUAPremium Fixed ‐ Owner Occupier 3 yrs
4.18 Nil795 Full 95% 3 mths 5.00%Both
Defence BankEssen als Fixed 3 yrs
4.19 8.00/m970 No 95% 3 mths 5.00%Both
Easy Street Fin ServicesEasy Street Fixed 3 yrs
3.99 Nil500 Full 95% 3 mths 20.00%Both
Gateway Credit UnionPremium Residen al Fixed 3 yrs 150k+
3.93 299/a750 No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 58Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Gateway Credit UnionResiden al Fixed 3 yrs
4.13 Nil750 No 80% 3 mths 5.00%Both
Heritage BankHome Advantage Residen al Fixed 3 yrs 150k+
3.99 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 3 yrs
3.99 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 3 yrs
4.19 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied PI 3 yrs
4.23 198.00/a1056 No 80% 3 mths 5.00%P+I
Horizon Credit UnionFixed Rate Home Loan 3 yrs
4.09 Nil945 Full 95% 6 mths 5.00%Both
HSBC3 Year Fixed 3 yrs
4.19 Nil853 No 90% N/A N/ABoth
HSBCPremier 3 Year Fixed 3 yrs 50k+
4.09 Nil300 No 90% N/A N/ABoth
Hume BankResiden al Fixed (Refinance) 3 yrs
4.09 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 3 yrs
4.09 Nil750 No 97% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 59Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Illawarra CU NSWFixed 3 yrs
4.20 Nil607 Full 95% N/A N/ABoth
iMortgageFusion Fixed PI 80 3 yrs
3.84 120.00/a363 No 80% 3 mths 5.00%P+I
ING DIRECTResiden al Fixed 3 yrs
4.09 Nil519 No 95% N/A N/ABoth
Liberty FinancialLiberty Fixed 3 yrs
4.24 295.00/aNil Full 85% N/A N/ABoth
loans.com.auFixed ‐ Owner Occupier 3 yrs
4.19 Nil520 No 90% 3 mths 5.00%Both
MEFlexible Fixed OO Max 80 LVR 3 yrs
4.09 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 3 yrs 40k+ 4.09 395/aNil No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Fixed 3 yrs 750k+
4.48 10.00/m895 Full 95% 3 mths 5.00%Both
My Credit UnionFixed Rate 3 yrs
4.19 Nil610 No 95% 3 mths 5.00%Both
MyStateResiden al Fixed 3 yrs 80%
4.09 Nil350 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 60Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABChoice Package Standard Fixed 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
NABChoice Package Tailored Fixed ‐ IO 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%IO
NABPrivate Tailored Pkg Standard Fixed 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 3 yrs 150k+
4.09 750/aNil No 95% 3 mths 5.00%IO
NABStandard Fixed 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%Both
NABTailored Fixed ‐ IO 3 yrs
4.19 8.00/m600 No 95% 3 mths 5.00%IO
Newcastle PermanentPremium Plus Package Residen al Fixed 3 yrs
3.99 395/aNil No 95% 3 mths 5.00%Both
Newcastle PermanentResiden al Fixed 3 yrs
3.99 NilNil No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 3 yrs
4.09 Nil930 No 95% N/A N/AP+I
People's Choice Credit UnionResiden al Fixed 3 yrs
4.14 8.00/m950 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 61Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Police BankPremium Fixed 3 yrs
4.04 Nil1045 No 95% N/A N/ABoth
QT Mutual BankResiden al Fixed 3 yrs
3.95 Nil600 No 95% N/A N/ABoth
Qudos BankFixed Rate 3 yrs
4.09 NilNil No 95% 3 mths 5.00%Both
Queenslanders CUFixed Rate P&I 3 yrs
4.34 Nil595 Full 95% N/A N/AP+I
RAMSFixed Rate IO 3 yrs
4.34 20.00/m870 No 95% 3 mths 5.00%IO
RAMSFixed Rate P&I 3 yrs
4.24 20.00/m870 No 95% 3 mths 5.00%P+I
Reduce Home LoansHome Owners Dream 3 Yr Fixed 3 yrs
4.19 Nil1164 Full 95% 3 mths 15Both
Regional Australia BankSteady Rate 3 yrs
4.09 Nil250 No 95% N/A N/AP+I
RESI Mortgage CorpFlexi Op ons Fixed 3 yrs
4.73 Nil854 Full 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankResiden al Fixed 3 yrs
4.34 8.00/m750 Full 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 62Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Southern Cross Credit UnionFixed Pla num Home Loan 3 yrs
3.99 400.00/a425 No 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 3 yrs 150k+
4.09 395/aNil Par al 95% 3 mths 5.00%Both
St.George BankResiden al Fixed 3 yrs
4.24 10.00/m700 Par al 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 3 yrs
4.19 Nil800 No 95% 3 mths 5.00%P+I
Suncorp BankHome Package Plus Owner Occupied Fixed 3 yrs 150k+
3.89 375/aNil No 95% 3 mths 5.00%Both
Suncorp BankOwner Occupied Fixed 3 yrs
4.04 10.00/m600 No 95% 3 mths 5.00%Both
Teachers Mutual BankFixed Rate 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%P+I
Teachers Mutual BankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
The MutualPremium Fixed 3 yrs
3.99 Nil300 No 95% 3 mths 5.00%Both
The RockRockstar Package Residen al Fixed 3 yrs 80% 150k+
4.09 350/aNil No 80% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 63Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
UBankUHomeLoan Fixed IO 3 yrs
3.99 Nil395 No 80% 3 mths 20.00%IO
UniBankStandard Fixed IO 3 yrs
4.08 Nil750 Full 95% 3 mths 5.00%IO
WestpacFixed Op ons 3 yrs
4.29 8.00/m600 No 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 3 yrs 150k+
4.09 395/aNil No 95% 3 mths 5.00%Both
AMP BankAffinity Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 3 yrs
4.59 Nil545 No 90% N/A N/ABoth
AMP BankProfessional Package Residen al Classic Fixed 3 yrs 100k+
4.59 349/aNil No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 3 yrs 100k+
4.59 Nil895 No 90% N/A N/ABoth
AussieOp mizer Fixed IO 3 yrs
4.49 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Plus Fixed IO 3 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 64Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AussieOp mizer Plus Fixed PI 3 yrs
4.24 198.00/aNil No 95% 3 mths 5.00%P+I
Auswide BankStandard Fixed 3 yrs 80%
4.44 10.00/m600 Full 95% 3 mths 5.00%Both
B&E Personal BankingFixed Residen al FlexiChoice 3 yrs 80%
4.49 10.00/m650 Full 95% 3 mths 5.00%P+I
B&E Personal BankingFlexiDiscount Fixed 3 yrs 80%
4.39 10.00/m650 No 95% 3 mths 5.00%P+I
bcuResiden al Fixed 3 yrs
4.29 Nil600 No 95% N/A N/ABoth
CiMortgage Plus Standard Fixed IO 3 yrs 80% 500k+
4.24 350/a649 No 90% 6 mths 5.00%IO
CiMortgage Plus Standard Fixed P&I 3 yrs 80% 500k+
4.19 350/a649 No 90% 6 mths 5.00%P+I
Click LoansThe Online Home Loan Fixed 3 yrs
4.29 Nil363 No 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 3 yrs
4.34 6.00/m1020 No 90% 6 mths 10.00%Both
ECU AustraliaStandard Fixed 3 yrs
4.39 Nil1020 No 95% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 65Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
First Op on Credit UnionPackaged Home Loan Residen al Fixed 3 yrs 600k+
4.65 375/a657 Full 95% 12 mths 20.00%Both
FirstmacVIP Pack Fixed 3 yrs
4.29 Nil520 No 90% 3 mths 5.00%Both
HomeloansMoniPower Fixed 3 yrs
4.73 Nil363 Full 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 3 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansUltra Plus Fixed PI 3 yrs
4.04 120.00/a363 No 95% N/A N/AP+I
Hunter UnitedFixed 3 yrs
4.40 8.00/m350 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 3 yrs
4.04 120.00/a363 No 80% 3 mths 5.00%IO
Macquarie BankBasic Fixed Owner Occupied PI 3 yrs
4.24 NilNil No 95% 0 mths 5.00%P+I
Macquarie BankOffset Fixed Owner Occupied PI 3 yrs
4.24 199.00/sNil No 95% N/A N/AP+I
P&N BankResiden al Fixed IO 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 66Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
P&N BankResiden al Fixed PI 3 yrs 80%
4.19 8.00/m395 No 90% 3 mths 5.00%P+I
RESI Mortgage CorpSmart Pro Fixed IO 3 yrs 80%
4.27 Nil649 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed P&I 3 yrs 80%
4.07 Nil649 No 95% 3 mths 5.00%P+I
The CapricornianLifestyle Fixed 3 yrs
4.45 10.00/m785 Full 95% N/A N/ABoth
The CapricornianPremium Choice Fixed 3 yrs
4.25 Nil785 Full 95% N/A N/ABoth
The MacStandard Fixed 3 yrs
4.74 Nil1463 No 95% N/A N/ABoth
Yellow Brick RoadEmpower Fixed PI 3 yrs
4.24 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 3 yrs 100k+
4.24 Nil363 No 95% N/A N/AP+I
AMP BankResiden al Classic Fixed 3 yrs
4.70 Nil895 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 3 yrs
4.58 Nil250 No 95% 12 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 67Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 3 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiStandard Fixed IO 3 yrs 500k+ 80%
4.44 8.00/m649 No 90% 6 mths 5.00%IO
CiStandard Fixed P&I 3 yrs 500k+ 80%
4.39 8.00/m649 No 90% 6 mths 5.00%P+I
First Op on Credit UnionResiden al Fixed 3 yrs
5.05 Nil657 Full 95% 12 mths 20.00%Both
HomeloansUltra Plus Fixed IO 3 yrs
4.24 120.00/a363 No 95% N/A N/AIO
Woolworths Employees CUOwner Occupied Fixed 3 yrs
4.84 NilNil No 95% 3 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed IO 3 yrs
4.49 Nil363 No 90% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Fixed IO 3 yrs 100k+
4.49 Nil363 No 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 68Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Fixed (LVR <80%) 5 yrs
4.29 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaPremium Fixed Package Residen al Fixed 5 yrs 10k+
4.24 350/a595 No 95% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 5 yrs
4.39 Nil595 No 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
CUAFixed ‐ Owner Occupier 5 yrs
4.28 Nil795 No 95% 3 mths 5.00%Both
Freedom LendFreedom Fixed PI 5 yrs
4.04 NilNil No 95% N/A N/AP+I
Newcastle PermanentResiden al Fixed 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
QT Mutual BankTeachers' Life Residen al Fixed 5 yrs 20k+
4.39 25/m600 No 95% N/A N/ABoth
Qudos BankFixed Rate 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 69Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
St.George BankAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
Teachers Mutual BankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
UniBankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
WestpacPremier Advantage Fixed Op ons 5 yrs 150k+
4.39 395/aNil No 95% 3 mths 5.00%Both
AussieSelect Basic Fixed 5 yrs 80%
4.49 NilNil No 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
bcuFixed Rate Special Residen al 5 yrs
4.10 495.00/a600 No 95% N/A N/ABoth
Beyond BankPinnacle +Plus Pkg Residen al Fixed 5 yrs 200k+
4.54 NilNil No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 5 yrs 50k+
4.44 395/aNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 70Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Commonwealth BankWealth Package Residen al Fixed 5 yrs 150k+
4.59 395/a595 Par al 95% N/A N/ABoth
CUAPremium Fixed ‐ Owner Occupier 5 yrs
4.50 Nil795 Full 95% 3 mths 5.00%Both
G&C Mutual BankResiden al 5yr Fixed 5 yrs
4.59 Nil500 Full 95% 0 mths 5.00%Both
Homestar FinanceOwner Occupied P&I Fixed 5 yrs
4.24 Nil633 Full 90% N/A N/AP+I
ING DIRECTOrange Advantage Residen al Fixed 5 yrs 150k+
4.29 199/a519 No 95% N/A N/ABoth
ING DIRECTResiden al Fixed 5 yrs
4.39 Nil519 No 95% N/A N/ABoth
Newcastle PermanentPremium Plus Package Residen al Fixed 5 yrs
4.39 395/aNil No 95% 3 mths 5.00%Both
QT Mutual BankChoices Residen al Fixed 5 yrs 20k+
4.39 395/aNil No 95% N/A N/ABoth
QT Mutual BankResiden al Fixed 5 yrs
4.49 Nil600 No 95% N/A N/ABoth
St.George BankResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 71Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Teachers Mutual BankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
UniBankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
WestpacFixed Op ons 5 yrs
4.59 8.00/m600 No 95% 3 mths 5.00%Both
Adelaide BankSmartFix 5 yrs
4.70 15.00/m495 Full 95% N/A N/ABoth
ANZBreakfree Residen al Fixed 5 yrs 150k+
4.59 Nil160 No 90% N/A N/ABoth
ANZResiden al Fixed 5 yrs
4.74 10.00/m760 No 90% N/A N/ABoth
AussieOp mizer Fixed IO 5 yrs
4.74 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Fixed PI 5 yrs
4.49 NilNil No 95% 3 mths 5.00%P+I
AussieOp mizer Plus Fixed PI 5 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%P+I
AussieSelect Standard Fixed 5 yrs
4.49 15.00/mNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 72Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyResiden al Fixed 5 yrs
4.59 10.00/m780 No 90% 6 mths 5.00%Both
BankVicFixed 5 yrs
4.54 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 5 yrs 50k+
4.44 375/aNil No 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 5 yrs 200k+ 4.39 395/a250 Par al 90% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 5 yrs
4.49 12.00/m545 Par al 90% 3 mths 5.00%Both
bcuResiden al Fixed 5 yrs
4.59 Nil600 No 95% N/A N/ABoth
Bendigo BankBasic Fixed Owner Occupied 5 yrs
4.74 10.00/m829 No 95% N/A N/ABoth
Bendigo BankResiden al Fixed 5 yrs
4.74 10.00/mNil Par al 95% N/A N/ABoth
Beyond BankResiden al Fixed 5 yrs
4.69 Nil595 No 95% N/A N/ABoth
BOQResiden al Fixed 5 yrs
4.49 10.00/m450 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 73Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Catalyst MoneyFixed Lite 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
Click LoansThe Online Home Loan Fixed 5 yrs
4.49 Nil363 No 95% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan Fixed 5 yrs
4.49 198.00/a363 Full 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 5 yrs
4.74 8.00/m800 Par al 95% N/A N/ABoth
Freedom LendFreedom Fixed IO 5 yrs
4.44 395.00/aNil No 95% N/A N/AIO
Heritage BankHome Advantage Residen al Fixed 5 yrs 150k+
4.49 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 5 yrs
4.49 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 5 yrs
4.49 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 5 yrs
4.73 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansOp ma Fixed ‐ Owner Occupied PI 5 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 74Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Homestar FinanceOwner Occupied IO Fixed 5 yrs
4.49 Nil633 Full 90% N/A N/AIO
Horizon Credit UnionFixed Rate Home Loan 5 yrs
4.59 Nil945 Full 95% 6 mths 5.00%Both
HSBCResiden al Fixed 5 yrs
4.59 Nil853 No 90% N/A N/ABoth
Hume BankProperty Package Residen al Fixed 5 yrs 150k+
4.50 375/aNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed (Refinance) 5 yrs
4.60 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 5 yrs
4.60 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed Lite 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
IMBPla num Package Residen al Fixed 5 yrs 90% 150k+
4.29 Nil324 No 90% 3 mths 5.00%Both
IMBResiden al Fixed 5 yrs 90%
4.39 6.00/m769 No 95% 3 mths 5.00%Both
Macquarie BankBasic Fixed Owner Occupied PI 5 yrs
4.49 NilNil No 95% 0 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 75Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Macquarie BankOffset Fixed Owner Occupied PI 5 yrs
4.49 199.00/sNil No 95% N/A N/AP+I
MEFlexible Fixed OO Max 80 LVR 5 yrs
4.49 Nil400 No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Fixed 5 yrs 100‐749k
4.70 10.00/m895 Full 95% 3 mths 5.00%Both
MyStateResiden al Fixed 5 yrs 80%
4.59 Nil350 No 95% N/A N/ABoth
NABChoice Package Standard Fixed 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%Both
NABStandard Fixed 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 5 yrs
4.69 Nil930 No 95% N/A N/AP+I
Pacific Mortgage GroupResiden al Fixed 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
People's Choice Credit UnionHome Loan Package Residen al Fixed 5 yrs 150k+
4.59 395/a150 No 95% 3 mths 5.00%Both
People's Choice Credit UnionResiden al Fixed 5 yrs
4.74 8.00/m950 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 76Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Police BankPremium Fixed 5 yrs
4.58 Nil1045 No 95% N/A N/ABoth
QBANKResiden al Fixed 5 yrs
4.59 NilNil No 95% N/A N/ABoth
RAMSFixed Rate IO 5 yrs
4.64 20.00/m870 No 95% 3 mths 5.00%IO
RAMSFixed Rate P&I 5 yrs
4.54 20.00/m870 No 95% 3 mths 5.00%P+I
Regional Australia BankPartnership Advantage Fixed 5 yrs
4.59 375.00/aNil Full 95% N/A N/ABoth
Regional Australia BankSteady Rate 5 yrs
4.69 Nil250 No 95% N/A N/AP+I
SCUMy Life Residen al Fixed 5 yrs 150k+
4.59 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 5 yrs
4.74 Nil673 No 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankResiden al Fixed 5 yrs
4.74 8.00/m750 Full 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 5 yrs
4.59 Nil800 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 77Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Suncorp BankHome Package Plus Owner Occupied Fixed 5 yrs 150k+
4.29 375/aNil No 95% 3 mths 5.00%Both
The RockResiden al Fixed 5 yrs 80%
4.59 5.00/m950 No 95% N/A N/ABoth
The RockRockstar Package Residen al Fixed 5 yrs 80% 150k+
4.59 350/aNil No 80% N/A N/ABoth
UBankUHomeLoan Fixed IO 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%IO
UBankUHomeLoan Fixed PI 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 5 yrs 4.29 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 5 yrs 4.29 300/a300 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 5 yrs 4.39 NilNil No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 78Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed PI 5 yrs
4.49 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 5 yrs 100k+
4.49 Nil363 No 95% N/A N/AP+I
AMP BankAffinity Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 5 yrs
5.03 Nil545 No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil895 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 5 yrs
4.88 Nil250 No 95% 12 mths 20.00%Both
AussieOp mizer Plus Fixed IO 5 yrs
4.74 198.00/aNil No 95% 3 mths 5.00%IO
Bank of SydneyExpect More Residen al Fixed 5 yrs 100k+
4.59 395/a150 No 90% 6 mths 5.00%Both
Bank of SydneyExpect More Residen al Fixed PAYG 5 yrs 100k+
4.59 395/a780 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 79Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiMortgage Plus Standard Fixed IO 5 yrs 80% 150‐m
4.59 350/a649 No 90% 6 mths 5.00%IO
CiMortgage Plus Standard Fixed P&I 5 yrs 80% 150‐499k
4.54 350/a649 No 90% 6 mths 5.00%P+I
CiStandard Fixed P&I 5 yrs 50‐499k 80%
4.74 8.00/m649 No 90% 6 mths 5.00%P+I
Defence BankEssen als Fixed 5 yrs
4.69 8.00/m970 No 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 5 yrs
4.74 6.00/m1020 No 90% 6 mths 10.00%Both
HomeloansMoniPower Fixed 5 yrs
5.04 Nil363 Full 95% 3 mths 5.00%Both
iMortgageFusion Fixed PI 80 5 yrs
4.74 120.00/a363 No 80% 3 mths 5.00%P+I
MEMember Package Flexible Fixed OO Max 80 LVR 5 yrs 40k+ 4.49 395/aNil No 80% 3 mths 5.00%Both
NABChoice Package Tailored Fixed ‐ IO 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%IO
NABPrivate Tailored Pkg Standard Fixed 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 80Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABTailored Fixed ‐ IO 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%IO
P&N BankResiden al Fixed PI 5 yrs 80%
4.59 8.00/m395 No 90% 3 mths 5.00%P+I
Queenslanders CUFixed Rate P&I 5 yrs
5.14 Nil595 Full 95% N/A N/AP+I
RESI Mortgage CorpSmart Pro Fixed IO 5 yrs 80%
4.77 Nil649 No 95% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed P&I 5 yrs 80%
4.57 Nil649 No 95% 3 mths 5.00%P+I
Suncorp BankOwner Occupied Fixed 5 yrs
4.44 10.00/m600 No 95% 3 mths 5.00%Both
Yellow Brick RoadEmpower Fixed IO 5 yrs
4.74 Nil363 No 90% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Fixed IO 5 yrs 100k+
4.74 Nil363 No 90% N/A N/AIO
AMP BankProfessional Package Residen al Classic Fixed 5 yrs 100k+
5.03 349/aNil No 90% N/A N/ABoth
AMP BankResiden al Classic Fixed 5 yrs
5.14 Nil895 No 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 81Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $200,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
CiStandard Fixed IO 5 yrs 50‐499k 80%
4.79 8.00/m649 No 90% 6 mths 5.00%IO
HomeloansUltra Plus Fixed IO 5 yrs
4.84 120.00/a363 No 95% N/A N/AIO
HomeloansUltra Plus Fixed PI 5 yrs
4.64 120.00/a363 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 5 yrs
4.94 120.00/a363 No 80% 3 mths 5.00%IO
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%IO
P&N BankResiden al Fixed IO 5 yrs 80%
4.89 8.00/m395 No 90% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 82Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Fixed (LVR <80%) 5 yrs
4.29 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaPremium Fixed Package Residen al Fixed 5 yrs 10k+
4.24 350/a595 No 95% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 5 yrs
4.39 Nil595 No 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
CUAFixed ‐ Owner Occupier 5 yrs
4.28 Nil795 No 95% 3 mths 5.00%Both
Freedom LendFreedom Fixed PI 5 yrs
4.04 NilNil No 95% N/A N/AP+I
Newcastle PermanentResiden al Fixed 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
QT Mutual BankChoices Residen al Fixed 5 yrs 20k+
4.39 395/aNil No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 5 yrs 20k+
4.39 25/m600 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 83Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Qudos BankFixed Rate 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 5 yrs 150k+
4.39 395/aNil No 95% 3 mths 5.00%Both
AussieSelect Basic Fixed 5 yrs 80%
4.49 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 5 yrs
4.49 15.00/mNil No 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
bcuFixed Rate Special Residen al 5 yrs
4.10 495.00/a600 No 95% N/A N/ABoth
Beyond BankPinnacle +Plus Pkg Residen al Fixed 5 yrs 200k+
4.54 NilNil No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 5 yrs 50k+
4.44 395/aNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 84Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Commonwealth BankWealth Package Residen al Fixed 5 yrs 150k+
4.59 395/a595 Par al 95% N/A N/ABoth
CUAPremium Fixed ‐ Owner Occupier 5 yrs
4.50 Nil795 Full 95% 3 mths 5.00%Both
G&C Mutual BankResiden al 5yr Fixed 5 yrs
4.59 Nil500 Full 95% 0 mths 5.00%Both
Homestar FinanceOwner Occupied P&I Fixed 5 yrs
4.24 Nil633 Full 90% N/A N/AP+I
IMBPla num Package Residen al Fixed 5 yrs 90% 150k+
4.29 Nil324 No 90% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 5 yrs 150k+
4.29 199/a519 No 95% N/A N/ABoth
ING DIRECTResiden al Fixed 5 yrs
4.39 Nil519 No 95% N/A N/ABoth
Newcastle PermanentPremium Plus Package Residen al Fixed 5 yrs
4.39 395/aNil No 95% 3 mths 5.00%Both
QT Mutual BankResiden al Fixed 5 yrs
4.49 Nil600 No 95% N/A N/ABoth
St.George BankResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 85Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Teachers Mutual BankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
UniBankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
WestpacFixed Op ons 5 yrs
4.59 8.00/m600 No 95% 3 mths 5.00%Both
Adelaide BankSmartFix 5 yrs
4.70 15.00/m495 Full 95% N/A N/ABoth
AMO GroupResiden al Fixed 5 yrs
4.49 120.00/a1180 No 95% 3 mths 5.00%Both
ANZBreakfree Residen al Fixed 5 yrs 150k+
4.59 Nil160 No 90% N/A N/ABoth
AussieOp mizer Fixed IO 5 yrs
4.74 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Fixed PI 5 yrs
4.49 NilNil No 95% 3 mths 5.00%P+I
AussieOp mizer Plus Fixed PI 5 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%P+I
Bank of SydneyExpect More Residen al Fixed 5 yrs 100k+
4.59 395/a150 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 86Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Bank of SydneyResiden al Fixed 5 yrs
4.59 10.00/m780 No 90% 6 mths 5.00%Both
BankVicFixed 5 yrs
4.54 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 5 yrs 50k+
4.44 375/aNil No 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 5 yrs 200k+ 4.39 395/a250 Par al 90% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 5 yrs
4.49 12.00/m545 Par al 90% 3 mths 5.00%Both
bcuResiden al Fixed 5 yrs
4.59 Nil600 No 95% N/A N/ABoth
Bendigo BankBasic Fixed Owner Occupied 5 yrs
4.74 10.00/m829 No 95% N/A N/ABoth
Bendigo BankConnect Package Fixed Owner Occupied 5 yrs 250k+
4.59 20/m250 Full 95% N/A N/ABoth
Bendigo BankResiden al Fixed 5 yrs
4.74 10.00/mNil Par al 95% N/A N/ABoth
Beyond BankResiden al Fixed 5 yrs
4.69 Nil595 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 87Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BOQResiden al Fixed 5 yrs
4.49 10.00/m450 No 95% 3 mths 5.00%Both
Catalyst MoneyFixed 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
Click LoansThe Online Home Loan Fixed 5 yrs
4.49 Nil363 No 95% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan Fixed 5 yrs
4.49 198.00/a363 Full 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 5 yrs
4.74 8.00/m800 Par al 95% N/A N/ABoth
Freedom LendFreedom Fixed IO 5 yrs
4.44 395.00/aNil No 95% N/A N/AIO
Heritage BankHome Advantage Residen al Fixed 5 yrs 150k+
4.49 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 5 yrs
4.49 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 5 yrs
4.49 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 5 yrs
4.73 198.00/a1056 No 80% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 88Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HomeloansOp ma Fixed ‐ Owner Occupied PI 5 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%P+I
Homestar FinanceOwner Occupied IO Fixed 5 yrs
4.49 Nil633 Full 90% N/A N/AIO
Horizon Credit UnionFixed Rate Home Loan 5 yrs
4.59 Nil945 Full 95% 6 mths 5.00%Both
HSBCResiden al Fixed 5 yrs
4.59 Nil853 No 90% N/A N/ABoth
Hume BankProperty Package Residen al Fixed 5 yrs 150k+
4.50 375/aNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed (Refinance) 5 yrs
4.60 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 5 yrs
4.60 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
IMBResiden al Fixed 5 yrs 90%
4.39 6.00/m769 No 95% 3 mths 5.00%Both
Macquarie BankBasic Fixed Owner Occupied PI 5 yrs
4.49 NilNil No 95% 0 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 89Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Macquarie BankOffset Fixed Owner Occupied PI 5 yrs
4.49 199.00/sNil No 95% N/A N/AP+I
MEFlexible Fixed OO Max 80 LVR 5 yrs
4.49 Nil400 No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Fixed 5 yrs 100‐749k
4.70 10.00/m895 Full 95% 3 mths 5.00%Both
MyStateResiden al Fixed 5 yrs 80%
4.59 Nil350 No 95% N/A N/ABoth
NABChoice Package Standard Fixed 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%Both
NABStandard Fixed 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 5 yrs
4.69 Nil930 No 95% N/A N/AP+I
Pacific Mortgage GroupResiden al Fixed 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
People's Choice Credit UnionHome Loan Package Residen al Fixed 5 yrs 150k+
4.59 395/a150 No 95% 3 mths 5.00%Both
People's Choice Credit UnionResiden al Fixed 5 yrs
4.74 8.00/m950 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 90Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QBANKResiden al Fixed 5 yrs
4.59 NilNil No 95% N/A N/ABoth
RAMSFixed Rate IO 5 yrs
4.64 20.00/m870 No 95% 3 mths 5.00%IO
RAMSFixed Rate P&I 5 yrs
4.54 20.00/m870 No 95% 3 mths 5.00%P+I
Regional Australia BankPartnership Advantage Fixed 5 yrs
4.59 375.00/aNil Full 95% N/A N/ABoth
RESI Mortgage CorpFlexi Op ons Fixed 5 yrs
4.95 Nil854 Full 95% 3 mths 5.00%Both
SCUMy Life Residen al Fixed 5 yrs 150k+
4.59 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 5 yrs
4.74 Nil673 No 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankResiden al Fixed 5 yrs
4.74 8.00/m750 Full 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 5 yrs
4.59 Nil800 No 95% 3 mths 5.00%P+I
Suncorp BankHome Package Plus Owner Occupied Fixed 5 yrs 150k+
4.29 375/aNil No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 91Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Teachers Mutual BankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
The RockResiden al Fixed 5 yrs 80%
4.59 5.00/m950 No 95% N/A N/ABoth
The RockRockstar Package Residen al Fixed 5 yrs 80% 150k+
4.59 350/aNil No 80% N/A N/ABoth
UBankUHomeLoan Fixed IO 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%IO
UBankUHomeLoan Fixed PI 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%P+I
UniBankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 5 yrs 4.29 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 5 yrs 4.29 300/a300 No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 92Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 5 yrs 4.39 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed PI 5 yrs
4.49 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 5 yrs 100k+
4.49 Nil363 No 95% N/A N/AP+I
AMP BankAffinity Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 5 yrs
5.03 Nil545 No 90% N/A N/ABoth
AMP BankProfessional Package Residen al Classic Fixed 5 yrs 100k+
5.03 349/aNil No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil895 No 90% N/A N/ABoth
ANZResiden al Fixed 5 yrs
4.74 10.00/m760 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 5 yrs
4.88 Nil250 No 95% 12 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 93Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AussieOp mizer Plus Fixed IO 5 yrs
4.74 198.00/aNil No 95% 3 mths 5.00%IO
Bank of SydneyExpect More Residen al Fixed PAYG 5 yrs 100k+
4.59 395/a780 No 90% 6 mths 5.00%Both
CiMortgage Plus Standard Fixed IO 5 yrs 80% 150‐m
4.59 350/a649 No 90% 6 mths 5.00%IO
CiMortgage Plus Standard Fixed P&I 5 yrs 80% 150‐499k
4.54 350/a649 No 90% 6 mths 5.00%P+I
CiStandard Fixed P&I 5 yrs 50‐499k 80%
4.74 8.00/m649 No 90% 6 mths 5.00%P+I
Defence BankEssen als Fixed 5 yrs
4.69 8.00/m970 No 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 5 yrs
4.74 6.00/m1020 No 90% 6 mths 10.00%Both
HomeloansMoniPower Fixed 5 yrs
5.04 Nil363 Full 95% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 5 yrs 40k+ 4.49 395/aNil No 80% 3 mths 5.00%Both
NABChoice Package Tailored Fixed ‐ IO 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 94Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABPrivate Tailored Pkg Standard Fixed 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%IO
NABTailored Fixed ‐ IO 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%IO
P&N BankResiden al Fixed PI 5 yrs 80%
4.59 8.00/m395 No 90% 3 mths 5.00%P+I
Police BankPremium Fixed 5 yrs
4.58 Nil1045 No 95% N/A N/ABoth
Queenslanders CUFixed Rate P&I 5 yrs
5.14 Nil595 Full 95% N/A N/AP+I
Regional Australia BankSteady Rate 5 yrs
4.69 Nil250 No 95% N/A N/AP+I
RESI Mortgage CorpSmart Pro Fixed P&I 5 yrs 80%
4.57 Nil649 No 95% 3 mths 5.00%P+I
Suncorp BankOwner Occupied Fixed 5 yrs
4.44 10.00/m600 No 95% 3 mths 5.00%Both
Yellow Brick RoadEmpower Fixed IO 5 yrs
4.74 Nil363 No 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 95Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $350,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Yellow Brick RoadEmpower Package Empower Fixed IO 5 yrs 100k+
4.74 Nil363 No 90% N/A N/AIO
AMP BankResiden al Classic Fixed 5 yrs
5.14 Nil895 No 90% N/A N/ABoth
CiStandard Fixed IO 5 yrs 50‐499k 80%
4.79 8.00/m649 No 90% 6 mths 5.00%IO
HomeloansUltra Plus Fixed IO 5 yrs
4.84 120.00/a363 No 95% N/A N/AIO
HomeloansUltra Plus Fixed PI 5 yrs
4.64 120.00/a363 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 5 yrs
4.94 120.00/a363 No 80% 3 mths 5.00%IO
iMortgageFusion Fixed PI 80 5 yrs
4.74 120.00/a363 No 80% 3 mths 5.00%P+I
P&N BankResiden al Fixed IO 5 yrs 80%
4.89 8.00/m395 No 90% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed IO 5 yrs 80%
4.77 Nil649 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 96Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Fixed (LVR <80%) 5 yrs
4.29 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaPremium Fixed Package Residen al Fixed 5 yrs 10k+
4.24 350/a595 No 95% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 5 yrs
4.39 Nil595 No 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
bcuFixed Rate Special Residen al 5 yrs
4.10 495.00/a600 No 95% N/A N/ABoth
Freedom LendFreedom Fixed PI 5 yrs
4.04 NilNil No 95% N/A N/AP+I
Newcastle PermanentResiden al Fixed 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
QT Mutual BankChoices Residen al Fixed 5 yrs 20k+
4.39 395/aNil No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 5 yrs 20k+
4.39 25/m600 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 97Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Qudos BankFixed Rate 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 5 yrs 150k+
4.39 395/aNil No 95% 3 mths 5.00%Both
AussieSelect Basic Fixed 5 yrs 80%
4.49 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 5 yrs
4.49 15.00/mNil No 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 5 yrs 200k+ 4.39 395/a250 Par al 90% 3 mths 5.00%Both
Beyond BankPinnacle +Plus Pkg Residen al Fixed 5 yrs 200k+
4.54 NilNil No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 5 yrs 50k+
4.44 395/aNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 98Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Commonwealth BankWealth Package Residen al Fixed 5 yrs 150k+
4.59 395/a595 Par al 95% N/A N/ABoth
CUAFixed ‐ Owner Occupier 5 yrs
4.28 Nil795 No 95% 3 mths 5.00%Both
CUAPremium Fixed ‐ Owner Occupier 5 yrs
4.50 Nil795 Full 95% 3 mths 5.00%Both
G&C Mutual BankResiden al 5yr Fixed 5 yrs
4.59 Nil500 Full 95% 0 mths 5.00%Both
IMBPla num Package Residen al Fixed 5 yrs 90% 150k+
4.29 Nil324 No 90% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 5 yrs 150k+
4.29 199/a519 No 95% N/A N/ABoth
ING DIRECTResiden al Fixed 5 yrs
4.39 Nil519 No 95% N/A N/ABoth
Newcastle PermanentPremium Plus Package Residen al Fixed 5 yrs
4.39 395/aNil No 95% 3 mths 5.00%Both
QT Mutual BankResiden al Fixed 5 yrs
4.49 Nil600 No 95% N/A N/ABoth
St.George BankResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 99Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Teachers Mutual BankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
UniBankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
WestpacFixed Op ons 5 yrs
4.59 8.00/m600 No 95% 3 mths 5.00%Both
Adelaide BankSmartFix 5 yrs
4.70 15.00/m495 Full 95% N/A N/ABoth
AMO GroupResiden al Fixed 5 yrs
4.49 120.00/a1180 No 95% 3 mths 5.00%Both
ANZBreakfree Residen al Fixed 5 yrs 150k+
4.59 Nil160 No 90% N/A N/ABoth
AussieOp mizer Fixed PI 5 yrs
4.49 NilNil No 95% 3 mths 5.00%P+I
AussieOp mizer Plus Fixed PI 5 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%P+I
Bank of SydneyExpect More Residen al Fixed 5 yrs 100k+
4.59 395/a150 No 90% 6 mths 5.00%Both
Bank of SydneyResiden al Fixed 5 yrs
4.59 10.00/m780 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 100Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankVicFixed 5 yrs
4.54 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 5 yrs 50k+
4.44 375/aNil No 95% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 5 yrs
4.49 12.00/m545 Par al 90% 3 mths 5.00%Both
bcuResiden al Fixed 5 yrs
4.59 Nil600 No 95% N/A N/ABoth
Bendigo BankBasic Fixed Owner Occupied 5 yrs
4.74 10.00/m829 No 95% N/A N/ABoth
Bendigo BankResiden al Fixed 5 yrs
4.74 10.00/mNil Par al 95% N/A N/ABoth
Beyond BankResiden al Fixed 5 yrs
4.69 Nil595 No 95% N/A N/ABoth
BOQResiden al Fixed 5 yrs
4.49 10.00/m450 No 95% 3 mths 5.00%Both
Catalyst MoneyFixed 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
Click LoansThe Online Home Loan Fixed 5 yrs
4.49 Nil363 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 101Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Click LoansThe Online Offset Home Loan Fixed 5 yrs
4.49 198.00/a363 Full 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 5 yrs
4.74 8.00/m800 Par al 95% N/A N/ABoth
Freedom LendFreedom Fixed IO 5 yrs
4.44 395.00/aNil No 95% N/A N/AIO
Heritage BankHome Advantage Residen al Fixed 5 yrs 150k+
4.49 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 5 yrs
4.49 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 5 yrs
4.49 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 5 yrs
4.73 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansOp ma Fixed ‐ Owner Occupied PI 5 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%P+I
Horizon Credit UnionFixed Rate Home Loan 5 yrs
4.59 Nil945 Full 95% 6 mths 5.00%Both
HSBCPremier Residen al Fixed 5 yrs 500k+
4.49 Nil553 No 90% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 102Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HSBCResiden al Fixed 5 yrs
4.59 Nil853 No 90% N/A N/ABoth
Hume BankProperty Package Residen al Fixed 5 yrs 150k+
4.50 375/aNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed (Refinance) 5 yrs
4.60 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 5 yrs
4.60 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
IMBResiden al Fixed 5 yrs 90%
4.39 6.00/m769 No 95% 3 mths 5.00%Both
Macquarie BankBasic Fixed Owner Occupied PI 5 yrs
4.49 NilNil No 95% 0 mths 5.00%P+I
Macquarie BankOffset Fixed Owner Occupied PI 5 yrs
4.49 199.00/sNil No 95% N/A N/AP+I
MEFlexible Fixed OO Max 80 LVR 5 yrs
4.49 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 5 yrs 40k+ 4.49 395/aNil No 80% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 103Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Mortgage HouseAdvantage Fixed 5 yrs 100‐749k
4.70 10.00/m895 Full 95% 3 mths 5.00%Both
MyStateResiden al Fixed 5 yrs 80%
4.59 Nil350 No 95% N/A N/ABoth
NABChoice Package Standard Fixed 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Standard Fixed 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%Both
NABStandard Fixed 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 5 yrs
4.69 Nil930 No 95% N/A N/AP+I
Pacific Mortgage GroupResiden al Fixed 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
People's Choice Credit UnionHome Loan Package Residen al Fixed 5 yrs 150k+
4.59 395/a150 No 95% 3 mths 5.00%Both
People's Choice Credit UnionResiden al Fixed 5 yrs
4.74 8.00/m950 No 95% 3 mths 5.00%Both
QBANKResiden al Fixed 5 yrs
4.59 NilNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 104Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
RAMSFixed Rate IO 5 yrs
4.64 20.00/m870 No 95% 3 mths 5.00%IO
RAMSFixed Rate P&I 5 yrs
4.54 20.00/m870 No 95% 3 mths 5.00%P+I
Regional Australia BankPartnership Advantage Fixed 5 yrs
4.59 375.00/aNil Full 95% N/A N/ABoth
RESI Mortgage CorpFlexi Op ons Fixed 5 yrs
4.95 Nil854 Full 95% 3 mths 5.00%Both
SCUMy Life Residen al Fixed 5 yrs 150k+
4.59 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 5 yrs
4.74 Nil673 No 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankResiden al Fixed 5 yrs
4.74 8.00/m750 Full 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 5 yrs
4.59 Nil800 No 95% 3 mths 5.00%P+I
Suncorp BankHome Package Plus Owner Occupied Fixed 5 yrs 150k+
4.29 375/aNil No 95% 3 mths 5.00%Both
Teachers Mutual BankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 105Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
The RockResiden al Fixed 5 yrs 80%
4.59 5.00/m950 No 95% N/A N/ABoth
The RockRockstar Package Residen al Fixed 5 yrs 80% 150k+
4.59 350/aNil No 80% N/A N/ABoth
UBankUHomeLoan Fixed IO 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%IO
UBankUHomeLoan Fixed PI 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%P+I
UniBankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 5 yrs 4.29 300/aNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 5 yrs 4.29 300/a300 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 5 yrs 4.39 NilNil No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 106Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed PI 5 yrs
4.49 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 5 yrs 100k+
4.49 Nil363 No 95% N/A N/AP+I
AMP BankAffinity Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 5 yrs
5.03 Nil545 No 90% N/A N/ABoth
AMP BankProfessional Package Residen al Classic Fixed 5 yrs 100k+
5.03 349/aNil No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil895 No 90% N/A N/ABoth
ANZResiden al Fixed 5 yrs
4.74 10.00/m760 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 5 yrs
4.88 Nil250 No 95% 12 mths 20.00%Both
AussieOp mizer Fixed IO 5 yrs
4.74 NilNil No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 107Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AussieOp mizer Plus Fixed IO 5 yrs
4.74 198.00/aNil No 95% 3 mths 5.00%IO
Bank of SydneyExpect More Residen al Fixed PAYG 5 yrs 100k+
4.59 395/a780 No 90% 6 mths 5.00%Both
CiMortgage Plus Standard Fixed IO 5 yrs 80% 500k+
4.54 350/a649 No 90% 6 mths 5.00%IO
CiMortgage Plus Standard Fixed P&I 5 yrs 80% 500k+
4.49 350/a649 No 90% 6 mths 5.00%P+I
CiStandard Fixed P&I 5 yrs 500k+ 80%
4.69 8.00/m649 No 90% 6 mths 5.00%P+I
Defence BankEssen als Fixed 5 yrs
4.69 8.00/m970 No 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 5 yrs
4.74 6.00/m1020 No 90% 6 mths 10.00%Both
HomeloansMoniPower Fixed 5 yrs
5.04 Nil363 Full 95% 3 mths 5.00%Both
NABChoice Package Tailored Fixed ‐ IO 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%IO
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 108Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABTailored Fixed ‐ IO 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%IO
P&N BankResiden al Fixed PI 5 yrs 80%
4.59 8.00/m395 No 90% 3 mths 5.00%P+I
Police BankPremium Fixed 5 yrs
4.58 Nil1045 No 95% N/A N/ABoth
Queenslanders CUFixed Rate P&I 5 yrs
5.14 Nil595 Full 95% N/A N/AP+I
Regional Australia BankSteady Rate 5 yrs
4.69 Nil250 No 95% N/A N/AP+I
RESI Mortgage CorpSmart Pro Fixed P&I 5 yrs 80%
4.57 Nil649 No 95% 3 mths 5.00%P+I
Southern Cross Credit UnionFixed Pla num Home Loan 5 yrs
4.84 400.00/a425 No 95% 3 mths 5.00%Both
Suncorp BankOwner Occupied Fixed 5 yrs
4.44 10.00/m600 No 95% 3 mths 5.00%Both
Yellow Brick RoadEmpower Fixed IO 5 yrs
4.74 Nil363 No 90% N/A N/AIO
Yellow Brick RoadEmpower Package Empower Fixed IO 5 yrs 100k+
4.74 Nil363 No 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 109Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $500,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AMP BankResiden al Classic Fixed 5 yrs
5.14 Nil895 No 90% N/A N/ABoth
CiStandard Fixed IO 5 yrs 500k+ 80%
4.74 8.00/m649 No 90% 6 mths 5.00%IO
HomeloansUltra Plus Fixed IO 5 yrs
4.84 120.00/a363 No 95% N/A N/AIO
HomeloansUltra Plus Fixed PI 5 yrs
4.64 120.00/a363 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 5 yrs
4.94 120.00/a363 No 80% 3 mths 5.00%IO
iMortgageFusion Fixed PI 80 5 yrs
4.74 120.00/a363 No 80% 3 mths 5.00%P+I
P&N BankResiden al Fixed IO 5 yrs 80%
4.89 8.00/m395 No 90% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed IO 5 yrs 80%
4.77 Nil649 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 110Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Bank AustraliaBasic Fixed (LVR <80%) 5 yrs
4.29 NilNil No 80% 6 mths 5.00%P+I
Bank AustraliaPremium Fixed Package Residen al Fixed 5 yrs 10k+
4.24 350/a595 No 95% 6 mths 5.00%P+I
Bank AustraliaResiden al Fixed 5 yrs
4.39 Nil595 No 95% 6 mths 5.00%P+I
Bank of MelbourneAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
BankSAAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
bcuFixed Rate Special Residen al 5 yrs
4.10 495.00/a600 No 95% N/A N/ABoth
Freedom LendFreedom Fixed PI 5 yrs
4.04 NilNil No 95% N/A N/AP+I
Newcastle PermanentResiden al Fixed 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
QT Mutual BankChoices Residen al Fixed 5 yrs 20k+
4.39 395/aNil No 95% N/A N/ABoth
QT Mutual BankTeachers' Life Residen al Fixed 5 yrs 20k+
4.39 25/m600 No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 111Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
"Outstanding Value"
Qudos BankFixed Rate 5 yrs
4.39 NilNil No 95% 3 mths 5.00%Both
St.George BankAdvantage Package Residen al Fixed 5 yrs 150k+
4.39 395/aNil Par al 95% 3 mths 5.00%Both
WestpacPremier Advantage Fixed Op ons 5 yrs 150k+
4.39 395/aNil No 95% 3 mths 5.00%Both
AussieSelect Basic Fixed 5 yrs 80%
4.49 NilNil No 95% 3 mths 5.00%Both
AussieSelect Standard Fixed 5 yrs
4.49 15.00/mNil No 95% 3 mths 5.00%Both
Bank of MelbourneResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
BankSAResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
BankwestComplete Home Loan Fixed Rate Owner Occupied 5 yrs 200k+ 4.39 395/a250 Par al 90% 3 mths 5.00%Both
Beyond BankPinnacle +Plus Pkg Residen al Fixed 5 yrs 200k+
4.54 NilNil No 95% N/A N/ABoth
Beyond BankTotal Home Loan Residen al Fixed 5 yrs 50k+
4.44 395/aNil No 95% N/A N/ABoth
Home Loans Star Ra ngs 2017 ‐ Page 112Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Commonwealth BankWealth Package Residen al Fixed 5 yrs 150k+
4.59 395/a595 Par al 95% N/A N/ABoth
CUAFixed ‐ Owner Occupier 5 yrs
4.28 Nil795 No 95% 3 mths 5.00%Both
CUAPremium Fixed ‐ Owner Occupier 5 yrs
4.50 Nil795 Full 95% 3 mths 5.00%Both
G&C Mutual BankResiden al 5yr Fixed 5 yrs
4.59 Nil500 Full 95% 0 mths 5.00%Both
IMBPla num Package Residen al Fixed 5 yrs 90% 150k+
4.29 Nil324 No 90% 3 mths 5.00%Both
ING DIRECTOrange Advantage Residen al Fixed 5 yrs 150k+
4.29 199/a519 No 95% N/A N/ABoth
Newcastle PermanentPremium Plus Package Residen al Fixed 5 yrs
4.39 395/aNil No 95% 3 mths 5.00%Both
QT Mutual BankResiden al Fixed 5 yrs
4.49 Nil600 No 95% N/A N/ABoth
St.George BankResiden al Fixed 5 yrs
4.54 10.00/m700 Par al 95% 3 mths 5.00%Both
Teachers Mutual BankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 113Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
UniBankFixed Rate 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ First Home Buyer 5 yrs 4.29 300/aNil No 95% 6 mths 5.00%P+I
WestpacFixed Op ons 5 yrs
4.59 8.00/m600 No 95% 3 mths 5.00%Both
Adelaide BankSmartFix 5 yrs
4.70 15.00/m495 Full 95% N/A N/ABoth
AMO GroupResiden al Fixed 5 yrs
4.49 120.00/a1180 No 95% 3 mths 5.00%Both
ANZBreakfree Residen al Fixed 5 yrs 150k+
4.59 Nil160 No 90% N/A N/ABoth
AussieOp mizer Fixed PI 5 yrs
4.49 NilNil No 95% 3 mths 5.00%P+I
AussieOp mizer Plus Fixed PI 5 yrs
4.49 198.00/aNil No 95% 3 mths 5.00%P+I
Bank of SydneyExpect More Residen al Fixed 5 yrs 100k+
4.59 395/a150 No 90% 6 mths 5.00%Both
Bank of SydneyResiden al Fixed 5 yrs
4.59 10.00/m780 No 90% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 114Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
BankVicFixed 5 yrs
4.54 Nil600 No 95% 3 mths 5.00%Both
BankVicPremium Home Fixed 5 yrs 50k+
4.44 375/aNil No 95% 3 mths 5.00%Both
BankwestFixed Rate Owner Occupied 5 yrs
4.49 12.00/m545 Par al 90% 3 mths 5.00%Both
bcuResiden al Fixed 5 yrs
4.59 Nil600 No 95% N/A N/ABoth
Bendigo BankBasic Fixed Owner Occupied 5 yrs
4.74 10.00/m829 No 95% N/A N/ABoth
Bendigo BankResiden al Fixed 5 yrs
4.74 10.00/mNil Par al 95% N/A N/ABoth
Beyond BankResiden al Fixed 5 yrs
4.69 Nil595 No 95% N/A N/ABoth
BOQResiden al Fixed 5 yrs
4.49 10.00/m450 No 95% 3 mths 5.00%Both
Catalyst MoneyFixed 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
CiMortgage Plus Standard Fixed P&I 5 yrs 80% 500k+
4.49 350/a649 No 90% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 115Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Click LoansThe Online Home Loan Fixed 5 yrs
4.49 Nil363 No 95% 3 mths 5.00%Both
Click LoansThe Online Offset Home Loan Fixed 5 yrs
4.49 198.00/a363 Full 95% 3 mths 5.00%Both
Commonwealth BankResiden al Fixed 5 yrs
4.74 8.00/m800 Par al 95% N/A N/ABoth
Freedom LendFreedom Fixed IO 5 yrs
4.44 395.00/aNil No 95% N/A N/AIO
Heritage BankHome Advantage Residen al Fixed 5 yrs 150k+
4.49 350/a150 Par al 95% 3 mths 5.00%Both
Heritage BankResiden al Fixed 5 yrs
4.49 8.00/m750 Par al 95% 3 mths 5.00%Both
Holiday Coast CUFixed N Easy 5 yrs
4.49 8.00/m664 No 95% 3 mths 5.00%Both
HomeloansOp ma Fixed ‐ Owner Occupied IO 5 yrs
4.73 198.00/a1056 No 80% 3 mths 5.00%IO
HomeloansOp ma Fixed ‐ Owner Occupied PI 5 yrs
4.48 198.00/a1056 No 80% 3 mths 5.00%P+I
Horizon Credit UnionFixed Rate Home Loan 5 yrs
4.59 Nil945 Full 95% 6 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 116Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
HSBCPremier Residen al Fixed 5 yrs 500k+
4.49 Nil553 No 90% N/A N/ABoth
HSBCResiden al Fixed 5 yrs
4.59 Nil853 No 90% N/A N/ABoth
Hume BankProperty Package Residen al Fixed 5 yrs 150k+
4.50 375/aNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed (Refinance) 5 yrs
4.60 NilNil No 97% 3 mths 5.00%Both
Hume BankResiden al Fixed 5 yrs
4.60 Nil750 No 97% 3 mths 5.00%Both
Illawarra CU NSWFixed 5 yrs
4.74 Nil607 Full 95% N/A N/ABoth
IMBResiden al Fixed 5 yrs 90%
4.39 6.00/m769 No 95% 3 mths 5.00%Both
ING DIRECTResiden al Fixed 5 yrs
4.39 Nil519 No 95% N/A N/ABoth
Macquarie BankBasic Fixed Owner Occupied PI 5 yrs
4.49 NilNil No 95% 0 mths 5.00%P+I
Macquarie BankOffset Fixed Owner Occupied PI 5 yrs
4.49 199.00/sNil No 95% N/A N/AP+I
Home Loans Star Ra ngs 2017 ‐ Page 117Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
MEFlexible Fixed OO Max 80 LVR 5 yrs
4.49 Nil400 No 80% 3 mths 5.00%Both
MEMember Package Flexible Fixed OO Max 80 LVR 5 yrs 40k+ 4.49 395/aNil No 80% 3 mths 5.00%Both
Mortgage HouseAdvantage Fixed 5 yrs 750k+
4.70 10.00/m895 Full 95% 3 mths 5.00%Both
NABChoice Package Standard Fixed 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%Both
NABPrivate Tailored Pkg Standard Fixed 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%Both
NABStandard Fixed 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%Both
Northern Inland CUFixed Rate Owner Occupied 5 yrs
4.69 Nil930 No 95% N/A N/AP+I
Pacific Mortgage GroupResiden al Fixed 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
People's Choice Credit UnionHome Loan Package Residen al Fixed 5 yrs 150k+
4.59 395/a150 No 95% 3 mths 5.00%Both
People's Choice Credit UnionResiden al Fixed 5 yrs
4.74 8.00/m950 No 95% 3 mths 5.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 118Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
QBANKResiden al Fixed 5 yrs
4.59 NilNil No 95% N/A N/ABoth
RAMSFixed Rate IO 5 yrs
4.64 20.00/m870 No 95% 3 mths 5.00%IO
RAMSFixed Rate P&I 5 yrs
4.54 20.00/m870 No 95% 3 mths 5.00%P+I
Regional Australia BankPartnership Advantage Fixed 5 yrs
4.59 375.00/aNil Full 95% N/A N/ABoth
RESI Mortgage CorpFlexi Op ons Fixed 5 yrs
4.95 Nil854 Full 95% 3 mths 5.00%Both
SCUMy Life Residen al Fixed 5 yrs 150k+
4.59 350/a473 No 95% 3 mths 5.00%Both
SCUResiden al Fixed 5 yrs
4.74 Nil673 No 95% 3 mths 5.00%Both
SERVICE ONE Alliance BankResiden al Fixed 5 yrs
4.74 8.00/m750 Full 95% 3 mths 5.00%Both
Southern Cross Credit UnionFixed Pla num Professional Loan 5 yrs
4.64 400.00/a425 No 95% 3 mths 5.00%Both
Summerland Credit UnionStandard Fixed 5 yrs
4.59 Nil800 No 95% 3 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 119Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Suncorp BankHome Package Plus Owner Occupied Fixed 5 yrs 150k+
4.29 375/aNil No 95% 3 mths 5.00%Both
Teachers Mutual BankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
The RockResiden al Fixed 5 yrs 80%
4.59 5.00/m950 No 95% N/A N/ABoth
The RockRockstar Package Residen al Fixed 5 yrs 80% 150k+
4.59 350/aNil No 80% N/A N/ABoth
UBankUHomeLoan Fixed IO 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%IO
UBankUHomeLoan Fixed PI 5 yrs
4.49 Nil395 No 80% 3 mths 20.00%P+I
UniBankStandard Fixed IO 5 yrs
4.54 Nil750 Full 95% 3 mths 5.00%IO
Victoria Teachers Mutual BankComplete Fixed ‐ First Home Buyer 5 yrs
4.39 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankComplete Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankEduca on Package Home Loan Fixed ‐ Owner Occupied 5 yrs 4.29 300/a300 No 95% 6 mths 5.00%P+I
Home Loans Star Ra ngs 2017 ‐ Page 120Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
Victoria Teachers Mutual BankFirst Home Buyers Package Complete Fixed ‐ Owner Occupied 5 yrs 4.39 NilNil No 95% 6 mths 5.00%P+I
Victoria Teachers Mutual BankStandard Fixed ‐ Owner Occupied 5 yrs
4.39 Nil600 No 95% 6 mths 5.00%P+I
Yellow Brick RoadEmpower Fixed PI 5 yrs
4.49 Nil363 No 95% N/A N/AP+I
Yellow Brick RoadEmpower Package Empower Fixed PI 5 yrs 100k+
4.49 Nil363 No 95% N/A N/AP+I
AMP BankAffinity Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil295 No 90% N/A N/ABoth
AMP BankBasic Fixed 5 yrs
5.03 Nil545 No 90% N/A N/ABoth
AMP BankProfessional Package Residen al Classic Fixed 5 yrs 100k+
5.03 349/aNil No 90% N/A N/ABoth
AMP BankSelect Package Residen al Classic Fixed 5 yrs 100k+
5.03 Nil895 No 90% N/A N/ABoth
ANZResiden al Fixed 5 yrs
4.74 10.00/m760 No 90% N/A N/ABoth
Arab Bank AustraliaResiden al Fixed 5 yrs
4.88 Nil250 No 95% 12 mths 20.00%Both
Home Loans Star Ra ngs 2017 ‐ Page 121Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
AussieOp mizer Fixed IO 5 yrs
4.74 NilNil No 95% 3 mths 5.00%IO
AussieOp mizer Plus Fixed IO 5 yrs
4.74 198.00/aNil No 95% 3 mths 5.00%IO
Bank of SydneyExpect More Residen al Fixed PAYG 5 yrs 100k+
4.59 395/a780 No 90% 6 mths 5.00%Both
CiMortgage Plus Standard Fixed IO 5 yrs 80% 500k+
4.54 350/a649 No 90% 6 mths 5.00%IO
CiStandard Fixed P&I 5 yrs 500k+ 80%
4.69 8.00/m649 No 90% 6 mths 5.00%P+I
Defence BankEssen als Fixed 5 yrs
4.69 8.00/m970 No 95% 3 mths 5.00%Both
Delphi BankStandard Fixed 5 yrs
4.74 6.00/m1020 No 90% 6 mths 10.00%Both
HomeloansMoniPower Fixed 5 yrs
5.04 Nil363 Full 95% 3 mths 5.00%Both
MyStateResiden al Fixed 5 yrs 80%
4.59 Nil350 No 95% N/A N/ABoth
NABChoice Package Tailored Fixed ‐ IO 5 yrs 150k+
4.59 395/aNil No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 122Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $750,000
Genuine Savings
Length
Family Guarantee Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home Loans Star Ratings
NABPrivate Tailored Pkg Tailored Fixed ‐ IO 5 yrs 150k+
4.59 750/aNil No 95% 3 mths 5.00%IO
NABTailored Fixed ‐ IO 5 yrs
4.69 8.00/m600 No 95% 3 mths 5.00%IO
P&N BankResiden al Fixed PI 5 yrs 80%
4.59 8.00/m395 No 90% 3 mths 5.00%P+I
Police BankPremium Fixed 5 yrs
4.58 Nil1045 No 95% N/A N/ABoth
Queenslanders CUFixed Rate P&I 5 yrs
5.14 Nil595 Full 95% N/A N/AP+I
Regional Australia BankSteady Rate 5 yrs
4.69 Nil250 No 95% N/A N/AP+I
RESI Mortgage CorpSmart Pro Fixed P&I 5 yrs 80%
4.57 Nil649 No 95% 3 mths 5.00%P+I
Southern Cross Credit UnionFixed Pla num Home Loan 5 yrs
4.84 400.00/a425 No 95% 3 mths 5.00%Both
Suncorp BankOwner Occupied Fixed 5 yrs
4.44 10.00/m600 No 95% 3 mths 5.00%Both
Yellow Brick RoadEmpower Fixed IO 5 yrs
4.74 Nil363 No 90% N/A N/AIO
Home Loans Star Ra ngs 2017 ‐ Page 123Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017
Company ProductRate (%)*
Principal+ Int/Int Only or Both
Loan Fees at 250K ($)
Upfront Required Offset
AvailableOngoingMax
LVR (%)Size (%)
First Home Buyer 5 Year Fixed $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
Yellow Brick RoadEmpower Package Empower Fixed IO 5 yrs 100k+
4.74 Nil363 No 90% N/A N/AIO
AMP BankResiden al Classic Fixed 5 yrs
5.14 Nil895 No 90% N/A N/ABoth
CiStandard Fixed IO 5 yrs 500k+ 80%
4.74 8.00/m649 No 90% 6 mths 5.00%IO
HomeloansUltra Plus Fixed IO 5 yrs
4.84 120.00/a363 No 95% N/A N/AIO
HomeloansUltra Plus Fixed PI 5 yrs
4.64 120.00/a363 No 95% N/A N/AP+I
iMortgageFusion Fixed IO 80 5 yrs
4.94 120.00/a363 No 80% 3 mths 5.00%IO
iMortgageFusion Fixed PI 80 5 yrs
4.74 120.00/a363 No 80% 3 mths 5.00%P+I
P&N BankResiden al Fixed IO 5 yrs 80%
4.89 8.00/m395 No 90% 3 mths 5.00%IO
RESI Mortgage CorpSmart Pro Fixed IO 5 yrs 80%
4.77 Nil649 No 95% 3 mths 5.00%IO
Home Loans Star Ra ngs 2017 ‐ Page 124Report Date: March, 2017. (All informa on is correct as at March, 2017.) *Rate correct as at 1st March, 2017