in this report · with historically low interest rates and rising consumer confidence, the property...
TRANSCRIPT
BUYING A BUNDLE
With historically low interest rates and rising consumer confidence, the property market is beginning to heat up. Buying a first, new or additional property means shopping for a home loan and for many buyers, a home loan package may be best value for money. CANSTAR’s package banking star ratings are a consumer friendly benchmark that represents a short list of financial products, rated according to the value for money that they offer. This short list narrows the search for consumers to products that have been independently assessed and ranked. Five-star rated packaged banking products have been assessed as offering outstanding value to consumers. WHAT IS “PACKAGE BANKING”? “Package Banking” is simply the bundling of several financial product needs into one package deal. For the package, customers typically pay an annual fee but receive discounted interest rates and/or a reduction of regular transaction or account-keeping fees. The products that tend to be packaged may include:
• A home loan (fixed or variable rate) • A deposit account or mortgage offset account • A credit card • Discounted insurance options (home and contents, life and car)
For many consumers the discounts offered via a package can outweigh the annual cost. CANSTAR’s analysis has found an average package banking fee of approximately $375 per annum – but potential savings of up to $2,000 per annum for customers who can take advantage of the range of discounts and fee waivers. Package banking is not for everyone and those with few borrowing needs may find that a stand-alone product represents a more cost-effective strategy for their needs. For many borrowers, though, a correctly-used package banking deal can be great value for money.
IN THIS REPORT We research & rate:
• 31 home loan packages offered by
• 28 lenders
Report No. 9 December 2013
YOUR GUIDE TO PRODUCT EXCELLENCE 1
SHOW ME THE MONEY
While every package is different, the potential savings for package banking customers is demonstrated in the calculation below. CANSTAR has assumed a mortgage size of $300,000 over 25 years. Item Stand Alone Package Difference
Mortgage
Interest Rate 5.88% 5.05% 0.83%
Establishment Fee $537.50 $-
Annual/Ongoing Service Fee $63.00 $373.75
Annual Repayments $22,932.00 $21,156.00
Total Cost $23,532.50 $21,529.75 $2,002.75
Credit Cards
Annual Fee $93.75 $ - $93.75
Transaction Accounts
Account Keeping Fees $60.00 $ - $60.00
Home and Contents Insurance
Annual Premium $1,596.00 $1,437.15 $158.85
Car Insurance
Annual Premium $1,986.00 $1,897.75 $88.25
Sum Total $27,268.25 $24,864.65 $2,403.60
Total Savings in Year 1 $2,403.60 Total Savings year 2 onwards $1,866.10
Home Loan Calculations are based on a $300,000 loan taken over 25 years with monthly repayments, the Buildings Insurance quote is for a sum insured value of $300,000 and Contents insurance quotes is for the sum insured value of $75,000. The car insurance quotes are based a male aged 25 - 29 years. Other assumptions are outlined under the table on the page below.
YOUR GUIDE TO PRODUCT EXCELLENCE 2
As can be seen from the calculation on the previous page, borrowers with a reasonably-sized loan and a selection of other financial products can potentially benefit from a package deal. However the benefits are not so great for borrowers with simliar needs but borrowing a lower amount. Assuming a home loan of just $150,000, with all other needs remaining the same, the ongoing savings would be less, as outlined below: Item Stand Alone Package Difference
Mortgage
Interest Rate 5.88% 5.46% 0.42%
Establishment Fee $537.50 $ -
Ongoing Service Fee/Annual Fee $63.00 $373.75
Annual Repayments $11,460.00 $11,016.00
Total Cost $12,060.50 $11,389.75 $670.75
Credit Cards
Annual Fees $93.75 $ - $93.75
Transaction Accounts
Account Keeping Fees $60.00 $ - $60.00
Home and Contents Insurance
Annual Premium $1,595.00 $1,437.15 $157.85
Car Insurance
Annual Premium $1,985.00 $1,897.75 $87.25
Sum Total $15,794.25 $14,724.65 $1,069.60
Total Savings in Year 1 $1,069.60 Total Savings year 2 onwards $532.10
Home Loan Calculations are based on a $150,000 loan taken over 25 years with monthly repayments. The Buildings Insurance quote is for a sum insured value of $300,000 and Contents insurance quotes is for the sum insured value of $75,000. The car insurance quotes are based a male aged 25 - 29 years. For both tables: All Insurance quotes are based on NSW addresses. The interest rate, fees and insurance discounts utilised are based on the average of the 5 star winners from CANSTAR package banking star ratings.
YOUR GUIDE TO PRODUCT EXCELLENCE 3
The credit card chosen for calculation is the product with the top score in the everyday spender profile under package banking calculations. MORTGAGES: WHY REFINANCE?
While there are usually costs associated with refinancing a home loan – and mortgage-holders would need to weigh the costs of switching with the potential savings before making a decision - the examples above indicate that it is possible for some to make healthy annual savings by switching from a DIY to a package deal. Even better, those annual savings could be supercharged if the savings were applied to the mortgage as an additional repayment.
Consider the potential savings on the $300,000 home loan scenario outlined on page 2 of this report: If the mortgage holder continued to make monthly repayments at the “pre-package” level, they could expect to save a potential $81,400 in interest costs over the life of their loan. This is outlined below:
Source: Canstar.
Source: Canstar. In the above instance, by accepting the lower interest rate but continuing with monthly repayments at the higher level, the mortgage holder in this case could potentially save more than $81,000 in interest costs over the life of their loan, as well as reducing the life of that home loan by approximately 3 years and 6 months.
A PACKAGE COULD BE RIGHT FOR YOU IF…
√ You have borrowing needs of $150,000 or more
√ You have a need for other financial products
that can be included in the package
√ You want to combine other financial
products with the one provider
√ Overall, the savings on interest rates,
premiums and fees will outweigh the costs
of the package
Mortgage Interest rate Monthly repayment Total interest cost of loan
$300,000 5.88% $1,911 $273,287
Mortgage Interest rate Monthly repayment Total interest cost of loan
$300,000 5.05% $1,911 $191,885
YOUR GUIDE TO PRODUCT EXCELLENCE 4
PACKAGE APPEAL PROFILES
As well as those who are buying their dream home to live in, package home loans are also appealing to many investors. For its comparison CANSTAR has created two common profiles, Home Buyer and Property Investor. Each profile values different features, in keeping with the priorities of the two different buyer groups. CANSTAR has analysed and rated packages according to the value they offer these separate groups. The results show three five-star packages now on the market for the Home Buyer and three for the Property Investor.
COPYRIGHT © CANSTAR Pty Limited ABN 21 053 646 165, 2008. The recipient must not reproduce or transmit to third parties the whole or any part of this work, whether attributed to CANSTAR or not, unless with prior written permission from CANSTAR, which if provided, may be provided on conditions. DISCLAIMER:
To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd ABN 29 114 422 909 AFSL 437917 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR Research’s FSG for more information at www.canstar.com.au.
All information contained herein shall not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold, or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without CANSTAR’s prior consent. All information obtained by CANSTAR from external sources is believed to be accurate and reliable. Under no circumstances shall CANSTAR have any liability to any person or entity due to error (negligence or otherwise) or other circumstances or contingency within or outside the control of CANSTAR or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication, or delivery of any such information. Copyright 2012 CANSTAR Pty Ltd ABN 21 053 646.
Home Buyer Profile
To this owner-occupier, naturally the most important part of a package is a strong variable rate mortgage. It should still offer a certain degree of flexibility but must remain an affordable loan. The cost-sensitive home buyer will also benefit from a deposit account and a credit card with a simple fee structure.
Property Investor Profile
Borrowing to invest in multiple properties can mean this borrower has a slightly different package banking wish list. Loan flexibility is right up there. Use of a line of credit or interest-only are options favoured when cashflow needs juggling. A discount on a fixed rate loan is definitely tempting. And lastly, a credit card upgrade fits the bill nicely.
YOUR GUIDE TO PRODUCT EXCELLENCE 5
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««««
375 5.05 5.05 5.10 P P P0.15% 150,000Commonwealth Bank Wealth Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate MasterCard OP
Gold Awards PP
Low Fee Gold MasterCard OP
Platinum Awards PP
Standard Awards PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Smart Access OP
Complete Access OP
Streamline Basic PP
Mortgage Int Saver 100 OP
Package Banking Star Ratings
2013 page 1
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««««
350 4.87 4.87 5.15 P P ON/A 0Newcastle Permanent Premium Plus Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% OP
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Value+ Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Rapid Saver Passbook PP
Everyday Account OP
Statement Savings Acc PP
395 5.08 5.08 5.08 P O P0.20% 150,000Westpac Premier Advantage
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Package Banking Star Ratings
2013 page 2
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
55 day Platinum Visa OP
Altitude PP
earth PP
Altitude Black PP
earth Platinum PP
earth Black PP
Low Rate Visa Card OP
Altitude Platinum PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Choice OP
««««
375 4.98 4.98 5.08 P P O0.15% 150,000ANZ Breakfree
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 3
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
90.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate OP
First OP
Platinum OP
Low Rate Platinum OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
One - 100% Offset OP
Access Advantage OP
N/A 4.97 4.94 5.00 O O O0.10% 100,000HomeSide Lending Homeplus Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Package Banking Star Ratings
2013 page 4
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
flybuys Rewards Card PP
flybuys Rewards Card PP
Qantas Rewards PP
Qantas Rewards Premium PP
Qantas Rewards PP
Qantas Rewards Premium PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Classic Banking OP
395 4.96 4.96 4.96 P O O0.10% 150,000IMB Platinum Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate MasterCard OP
Package Banking Star Ratings
2013 page 5
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum MasterCard PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Every Day Account S4 OP
Everyday UnLtd (Ill,SC) OP
395 5.03 5.03 5.08 P O O0.10% 20,000nab Choice Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Premium Visa Card OP
Qantas Plus PP
Premium MasterCard OP
Low Fee Visa Card OP
Low Fee MasterCard OP
Package Banking Star Ratings
2013 page 6
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Classic Banking OP
750 5.03 5.03 5.08 P O O0.10% 500,000nab Private Tailored Pkg
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Premium Visa Card OP
Low Fee Visa Card OP
Low Rate Card OP
Premium MasterCard OP
Qantas Plus PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Classic Banking OP
Cash Manager OP
Package Banking Star Ratings
2013 page 7
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
N/A 5.04 5.04 5.04 O O ON/A 100,000Qld Police Credit Union Classic Plus
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
97.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Bluey Card OP
Bluey Rewarder Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
On Call Savings Account PP
Classic Plus Mort Offset PP
395 5.00 5.00 5.05 P O P0.15% 100,000BankSA Advantage Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Amplify Credit Card PP
Package Banking Star Ratings
2013 page 8
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Vertigo MasterCard OP
Platinum Visa Card OP
Gold Low Rate Visa OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Complete Freedom OP
395 4.99 4.99 5.04 P O P0.15% 100,000St.George Bank Advantage Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Gold Low Rate Visa OP
Platinum Visa Card OP
Vertigo MasterCard OP
Amplify Credit Card PP
Package Banking Star Ratings
2013 page 9
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Complete Freedom OP
395 5.00 4.90 5.05 P O P0.15% 100,000Bank of Melbourne Advantage Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Gold Low Rate Visa OP
Vertigo MasterCard OP
Platinum Visa Card OP
Amplify Credit Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Complete Freedom OP
350 5.00 5.00 5.15 P P O0.20% 200,000SERVICE ONE Members Banking Pioneer Banking
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 10
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
97.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Home Loan Visa OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Day to Day Account PP
375 4.89 4.89 4.94 P P O0.15% 150,000Suncorp Bank Home Package Plus
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Gold Card PP
Platinum Card PP
Standard Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Package Banking Star Ratings
2013 page 11
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
««««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Everyday Options Sub-Acc OP
Everyday Options OP
«««
375 5.17 5.17 5.27 O O O0.15% 150,000People's Choice Credit Union Home Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Offset Account OP
Everyday Account OP
395 5.16 5.16 5.16 O O ON/A 150,000BOQ Home Loan Privileges
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 12
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Blue Visa PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Reverse Charges Account OP
Mortgage Offset Account PP
350 5.04 5.04 5.04 O O O0.15% 200,000Citibank Mortgage Plus
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
80.00% OP
80.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Package Banking Star Ratings
2013 page 13
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Plus Transaction Account OP
300 5.23 5.23 5.23 P P O0.15% 150,000Heritage Bank Professional Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold Basic OP
Visa Gold Rewards PP
Visa Classic Rewards PP
Visa Classic No Frills OP
Visa Classic Basic OP
Visa Gold No Frills OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Money Manager Account PP
Package Banking Star Ratings
2013 page 14
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Loan Offset Account PP
Cash Management Account PP
Mortgage Crusher PP
Simply Access PP
395 5.12 5.12 5.22 P P O0.10% 150,000QT Mutual Bank Choices
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum MyCard PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Current Account OP
375 5.29 5.29 5.29 P P O0.15% 250,000Horizon Credit Union Platinum Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 15
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Advantage 55 S55 PP
Advantage 25 OP
398 4.89 4.84 4.94 O O O0.15% 150,000Macquarie Bank Offset
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
90.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold Card PP
Visa Platinum Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Package Banking Star Ratings
2013 page 16
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
100% Offset Account OP
325 4.94 4.94 4.94 P P O0.56% 0Greater Building Society Ultimate Home Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Access Account OP
Ultimate Account OP
395 5.37 5.37 5.37 P P O0.10% 100,000Community First CU Accelerator Home Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Package Banking Star Ratings
2013 page 17
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate Visa Cred Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Basic Offset Saver OP
395 5.18 5.18 5.18 O O ON/A 40,000ME Bank Member Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
MasterCard OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Ultimate Offset Account OP
375 5.09 4.99 5.09 P P O0.10% 50,000BankVic Premium Home
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 18
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold credit card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
EzePay OP
330 5.29 5.29 5.29 P O ON/A 150,000Queensland Country Credit Union Ultimate Home Loan
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
All Access PP
350 5.19 5.19 5.19 O O ON/A 0bankmecu First Home Buyers Loan Package
Package Banking Star Ratings
2013 page 19
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate Visa CreditCard OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Mortgage Offset OP
Mortgage Offset OP
375 5.09 4.99 5.09 P P O0.10% 250,000BankVic Portfolio
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold credit card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
EzePay OP
Package Banking Star Ratings
2013 page 20
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
300 5.04 5.04 5.54 P P O0.10% 0Victoria Teachers Mutual Bank Rewards Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Platinum Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Deeming Account S9 PP
Everyday Account S1 PP
350 5.09 5.09 5.09 P P O0.10% 0bankmecu Fixed Rate Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate Visa CreditCard OP
Package Banking Star Ratings
2013 page 21
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
HOME BUYER
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Mortgage Offset OP
Package Banking Star Ratings
2013 page 22
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««««
375 4.98 4.98 5.08 P P O0.15% 150,000ANZ Breakfree
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
90.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
First OP
Low Rate Platinum OP
Platinum OP
Low Rate OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Access Advantage OP
One - 100% Offset OP
375 5.05 5.05 5.10 P P P0.15% 150,000Commonwealth Bank Wealth Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Package Banking Star Ratings
2013 page 23
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Fee Gold MasterCard OP
Platinum Awards PP
Gold Awards PP
Standard Awards PP
Low Rate MasterCard OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Smart Access OP
Streamline Basic PP
Mortgage Int Saver 100 OP
Complete Access OP
395 5.08 5.08 5.08 P O P0.20% 150,000Westpac Premier Advantage
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Package Banking Star Ratings
2013 page 24
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
earth PP
55 day Platinum Visa OP
earth Platinum PP
Altitude PP
earth Black PP
Altitude Platinum PP
Altitude Black PP
Low Rate Visa Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Choice OP
««««
395 4.96 4.96 4.96 P O O0.10% 150,000IMB Platinum Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 25
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum MasterCard PP
Low Rate MasterCard OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Everyday UnLtd (Ill,SC) OP
Every Day Account S4 OP
395 5.03 5.03 5.08 P O O0.10% 20,000nab Choice Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Fee MasterCard OP
Premium Visa Card OP
Package Banking Star Ratings
2013 page 26
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Premium MasterCard OP
Qantas Plus PP
Low Fee Visa Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Classic Banking OP
750 5.03 5.03 5.08 P O O0.10% 500,000nab Private Tailored Pkg
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Qantas Plus PP
Premium MasterCard OP
Low Rate Card OP
Low Fee Visa Card OP
Package Banking Star Ratings
2013 page 27
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Premium Visa Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Classic Banking OP
Cash Manager OP
350 4.87 4.87 4.92 P P ON/A 0Newcastle Permanent Premium Plus Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Value+ Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Rapid Saver Passbook PP
Statement Savings Acc PP
Package Banking Star Ratings
2013 page 28
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Everyday Account OP
N/A 5.04 5.04 5.04 O O ON/A 100,000Qld Police Credit Union Classic Plus
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
97.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Bluey Card OP
Bluey Rewarder Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Classic Plus Mort Offset PP
On Call Savings Account PP
395 5.00 5.00 5.05 P O P0.15% 100,000BankSA Advantage Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Package Banking Star Ratings
2013 page 29
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Amplify Credit Card PP
Vertigo MasterCard OP
Platinum Visa Card OP
Gold Low Rate Visa OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Complete Freedom OP
395 4.99 4.99 5.04 P O P0.15% 100,000St.George Bank Advantage Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Vertigo MasterCard OP
Amplify Credit Card PP
Gold Low Rate Visa OP
Package Banking Star Ratings
2013 page 30
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum Visa Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Complete Freedom OP
325 4.94 4.94 4.94 P P O0.56% 0Greater Building Society Ultimate Home Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Access Account OP
Ultimate Account OP
395 5.00 4.90 5.05 P O P0.15% 100,000Bank of Melbourne Advantage Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 31
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Amplify Credit Card PP
Vertigo MasterCard OP
Platinum Visa Card OP
Gold Low Rate Visa OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Complete Freedom OP
350 5.00 5.00 5.15 P P O0.20% 200,000SERVICE ONE Members Banking Pioneer Banking
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
97.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Home Loan Visa OP
Package Banking Star Ratings
2013 page 32
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
««««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Day to Day Account PP
375 4.89 4.89 4.94 P P O0.15% 150,000Suncorp Bank Home Package Plus
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum Card PP
Gold Card PP
Standard Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Everyday Options OP
Everyday Options Sub-Acc OP
«««
375 5.17 5.17 5.27 O O O0.15% 150,000People's Choice Credit Union Home Loan Package
Package Banking Star Ratings
2013 page 33
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Everyday Account OP
Offset Account OP
395 5.16 5.16 5.16 O O ON/A 150,000BOQ Home Loan Privileges
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Blue Visa PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Reverse Charges Account OP
Package Banking Star Ratings
2013 page 34
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
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your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Mortgage Offset Account PP
350 5.04 5.04 5.04 O O O0.15% 200,000Citibank Mortgage Plus
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
80.00% OP
80.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Plus Transaction Account OP
300 5.23 5.23 5.23 P P O0.15% 150,000Heritage Bank Professional Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Package Banking Star Ratings
2013 page 35
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Classic Basic OP
Visa Gold Basic OP
Visa Classic No Frills OP
Visa Classic Rewards PP
Visa Gold Rewards PP
Visa Gold No Frills OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Cash Management Account PP
Loan Offset Account PP
Money Manager Account PP
Mortgage Crusher PP
Simply Access PP
N/A 4.97 4.94 5.00 O O O0.10% 100,000HomeSide Lending Homeplus Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 36
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
flybuys Rewards Card PP
Qantas Rewards Premium PP
Qantas Rewards PP
Qantas Rewards Premium PP
Qantas Rewards PP
flybuys Rewards Card PP
395 5.12 5.12 5.22 P P O0.10% 150,000QT Mutual Bank Choices
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PO
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Platinum MyCard PP
Package Banking Star Ratings
2013 page 37
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Current Account OP
375 5.29 5.29 5.29 P P O0.15% 250,000Horizon Credit Union Platinum Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Advantage 25 OP
Advantage 55 S55 PP
398 4.89 4.84 4.94 O O O0.15% 150,000Macquarie Bank Offset
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
90.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Package Banking Star Ratings
2013 page 38
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold Card PP
Visa Platinum Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
100% Offset Account OP
395 5.37 5.37 5.37 P P O0.10% 100,000Community First CU Accelerator Home Loan Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Low Rate Visa Cred Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Basic Offset Saver OP
395 5.18 5.18 5.18 O O ON/A 40,000ME Bank Member Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
Package Banking Star Ratings
2013 page 39
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% OP
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
MasterCard OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Ultimate Offset Account OP
375 5.09 4.99 5.09 P P O0.10% 50,000BankVic Premium Home
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold credit card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
EzePay OP
Package Banking Star Ratings
2013 page 40
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
330 5.29 5.29 5.29 P O ON/A 150,000Queensland Country Credit Union Ultimate Home Loan
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% OO
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
All Access PP
375 5.09 4.99 5.09 P P O0.10% 100,000BankVic Property Investor
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold credit card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
EzePay OP
Package Banking Star Ratings
2013 page 41
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
375 5.09 4.99 5.09 P P O0.10% 250,000BankVic Portfolio
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Gold credit card PP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
EzePay OP
300 5.04 5.04 5.54 P P O0.10% 0Victoria Teachers Mutual Bank Rewards Package
Mortgage 100% Offset AccountRedraw FacilityMaximum LVR
95.00% PP
95.00% OP
Credit Card Rewards ProgramAnnual Fee WaivedCredit Card Name
Visa Platinum Credit Card OP
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Package Banking Star Ratings
2013 page 42
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
Company Min Loan
Amount ($)
Variable Mortgage Rate (%
as at 15/11/12)
250K 500K 750K
Product Name
REPORT DATE: NOVEMBER 2013
Discount on
Fixed Rate (%)
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not
always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Home and
Contents
Insurance
Car
Insurance
Life
Insurance
PROPERTY INVESTOR
Annual
Fee ($)
Insurance Discounts
Features
«««
Transaction Account Unlimited TransactionOngoing Fee WaivedTransaction Account Name
Everyday Account S1 PP
Deeming Account S9 PP
Package Banking Star Ratings
2013 page 43
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
Package Banking Star Ratings
2013 page 44
Report Date: November 2013 (All information is correct as at Oct 30, 2013)
* Rewards fees may apply
your guide to product excellence
YOUR GUIDE TO PRODUCT EXCELLENCE
What are the CANSTAR package banking star ratings? CANSTAR package banking star ratings are a consumer friendly benchmark or value index. CANSTAR star rated products represent a short list of financial products. This short list narrows the search for consumers to products that have been independently assessed and ranked. Five-star rated packaged banking products have been assessed as offering outstanding value to consumers. The CANSTAR package banking star ratings is based on two separate consumer profiles: Home Buyer and Property Investor. Package banking producs must offer a mortgage, credit card, and transaction account in order to qualify for assessment. The CANSTAR package banking star ratings is an independent and transparent analysis comparing both the Cost and Features across packaged banking products. How are the stars calculated? Features and price for each product are taken into consideration.
TOTAL SCORE = PRODUCT ASSESSMENT + PACKAGE FEATURES
Profile Product Assessment Package Features
Home Buyer 95% 5%
Property Investor 90% 10%
Home Buyer •Live in the property •Simple fee structures •Emphasis on mortgage
Property Investor •Borrow to invest •Flexibility on different loan types •May consider interest-only loan
METHODOLOGY
Price
Features
Mortgages
Credit Cards
Deposits
Package Terms
Package Benefits
Insurance Benefits
Product Choice
Product Score
Package Features
Product Assessment Product Assessment considers the three components which is most used by consumers as part of a home loan package. The methodology applied to assess each component is in line with the respective star ratings.
Home Buyer Profile Product Assessment
Mortgages Credit Cards Deposits 90% 5% 5%
Property Investor Profile Product Assessment
Mortgages Credit Cards Deposits 90% 5% 5%
Mortgages Pricing scores of Mortgages are based on cost of a mortgage over 25 years, including interest cost, upfront and package ongoing fees. Products are required to have at least six months of historical AAPR data. Pricing Score - Weightings
Home Buyer Property Investor
Variable Rate
$250k
80%
50%
65%
40% $500k 40% 40% $750k 10% 20%
Three Year Fixed Rate $250k
20%
50%
35%
40% $500k 40% 40% $750k 10% 20%
Features – Mortgages To assess the mortgage features we apply the CANSTAR Home Loans Star Ratings methodology.
Credit Cards Credit Card score of a package is represented by the top performing product of Everyday Spender for the Home buyer profile and Big Spender for the Property Investor profile. To assess credit cards we apply the CANSTAR Credit Card Star Ratings methodology.
Pricing Score
$250k
$500k
$750K
Variable
Three Year Fixed
YOUR GUIDE TO PRODUCT EXCELLENCE 2
Deposits Deposit score of a package is represented by the top performing product of the High Transactor profile. To assess Deposit accounts we apply the CANSTAR Deposits Star Ratings methodology. Package Features The package features component is divided into 4 different categories to capture the additional benefits offered to consumers through a package. Package Banking Features
Categories Weight (%) Descriptions
Package Terms 15% Requirements for an individual to obtain this product
Benefits 20% Discounted financial planning, share trading and other benefits
Insurance Benefits 45% Insurance discounts on general and risk products
Product Choice 20% Number of home/investment loan options
How many products and financial institutions were analysed? CANSTAR analysed 31 packaged banking products from 28 financial institutions in Australia.
How often are all the products reviewed for rating purposes? All ratings are fully recalulated every Year based on the latest features offered by each institution. CANSTAR also monitors rate changes on an ongoing basis. Does CANSTAR rate other product areas? CANSTAR researches, compares and rates the suite of banking and insurance products listed below. These star ratings use similar methodologies to guarantee quality, consistency and transparency. Results are freely available to consumers who use the star ratings as a guide to product excellence. The use of similar star ratings logos also builds consumer recognition of quality products across all categories. Please access the CANSTAR website at www.canstar.com.au if you would like to view the latest star ratings reports of interest.
DISCLAIMER: To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd ABN 29 114 422 909 AFSL 437917 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past performance is not a reliable indicator of future performance. Please refer to CANSTAR Research’s FSG for more information at www.canstar.com.au.
• Account Based Pensions • Agribusiness • Business banking • Business life insurance • Car insurance • Credit cards • Deposit accounts • Direct life insurance • Health insurance • Home & Contents
• Home loans • Life Insurance • Managed Investments • Margin lending • Online Banking • Online Share Trading • Package banking • Personal loans • Superannuation • Travel Insurance
YOUR GUIDE TO PRODUCT EXCELLENCE 3
YOUR GUIDE TO PRODUCT EXCELLENCE
All information contained herein shall not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold, or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without CANSTAR’s prior consent. All information obtained by CANSTAR from external sources is believed to be accurate and reliable. Under no circumstances shall CANSTAR have any liability to any person or entity due to error (negligence or otherwise) or other circumstances or contingency within or outside the control of CANSTAR or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication, or delivery of any such information. Copyright 2012 CANSTAR Pty Ltd ABN 21 053 646.
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