## Interest rates for new home loans

### Owner occupied

**Variable rates**

Effective from 06/11/2019

Loan | Principal & interest | Principal & interest comparison rate* | Interest only^{#} |
Interest only comparison rate* |

SmartFit (LVR less than 90%) | 3.06% p.a. | 3.29% p.a. | 3.56% p.a. | 3.45% p.a. |

SmartFit (LVR greater than 90%) | 3.76% p.a. | 3.98% p.a. | N/A | N/A |

SmartSaver (LVR less than 90%) | 3.06% p.a. | 3.10% p.a. | 3.56% p.a. | 3.28% p.a. |

SmartSaver (LVR greater than 90%) | 3.76% p.a. | 3.80% p.a. | N/A | N/A |

**Fixed rates ^{^2}**

Effective from 06/11/2019

Loan | Principal & interest | Principal & interest comparison rate* | Interest only^{#} |
Interest only comparison rate* |

1 year SmartFix | 2.99% p.a. | 3.28% p.a. | 3.69% p.a. | 3.34% p.a. |

2 year SmartFix | 2.89% p.a. | 3.26% p.a. | 3.59% p.a. | 3.37% p.a. |

3 year SmartFix | 2.91% p.a. | 3.25% p.a. | 3.61% p.a. | 3.41% p.a. |

4 year SmartFix | 2.99% p.a. | 3.27% p.a. | 3.69% p.a. | 3.47% p.a. |

5 year SmartFix | 3.09% p.a. | 3.30% p.a. | 3.79% p.a. | 3.54% p.a. |

1 year SmartSaver Fixed | 2.99% p.a. | 3.09% p.a. | 3.69% p.a. | 3.15% p.a. |

2 year SmartSaver Fixed | 2.89% p.a. | 3.07% p.a. | 3.59% p.a. | 3.19% p.a. |

3 year SmartSaver Fixed | 2.91% p.a. | 3.06% p.a. | 3.61% p.a. | 3.23% p.a. |

4 year SmartSaver Fixed | 2.99% p.a. | 3.08% p.a. | 3.69% p.a. | 3.29% p.a. |

5 year SmartSaver Fixed | 3.09% p.a. | 3.11% p.a. | 3.79% p.a. | 3.37% p.a. |

### Investment

**Variable rates**

Effective from 06/11/2019

Loan | Principal & interest | Principal & interest comparison rate* | Interest only^{#} |
Interest only comparison rate* |

SmartFit (LVR less than 90%) | 3.36% p.a. | 3.59% p.a. | 3.56% p.a. | 3.64% p.a. |

SmartSaver (LVR less than 90%) | 3.36% p.a. | 3.40% p.a. | 3.56% p.a. | 3.47% p.a. |

**Fixed rates ^{12}**

Effective from 06/11/2019

Loan | Principal & interest | Principal & interest comparison rate* | Interest only^{#} |
Interest only comparison rate* |

1 year SmartFix | 3.39% p.a. | 3.59% p.a. | 3.49% p.a. | 3.59% p.a. |

2 year SmartFix | 3.29% p.a. | 3.57% p.a. | 3.39% p.a. | 3.58% p.a. |

3 year SmartFix | 3.31% p.a. | 3.57% p.a. | 3.41% p.a. | 3.58% p.a. |

4 year SmartFix | 3.39% p.a. | 3.60% p.a. | 3.49% p.a. | 3.61% p.a. |

5 year SmartFix | 3.49% p.a. | 3.64% p.a. | 3.59% p.a. | 3.65% p.a. |

1 year SmartSaverFixed | 3.39% p.a. | 3.40% p.a. | 3.49% p.a. | 3.41% p.a. |

2 year SmartSaver Fixed | 3.29% p.a. | 3.39% p.a. | 3.39% p.a. | 3.40% p.a. |

3 year SmartSaver Fixed | 3.31% p.a. | 3.39% p.a. | 3.41% p.a. | 3.41% p.a. |

4 year SmartSaver Fixed | 3.39% p.a. | 3.41% p.a. | 3.49% p.a. | 3.44% p.a. |

5 year SmartSaver Fixed | 3.49% p.a. | 3.45% p.a. | 3.59% p.a. | 3.48% p.a. |

## Fees and charges

***Important information about comparison rates**

The comparison rates displayed are calculated for a loan amount of $150,000 over a 25 year loan term. All comparison rates are calculated with a nil offset balance. Comparison rates for Interest Only variable rate loans are based on an initial 5 year Interest Only period and 20 years of Principal & Interest. **WARNING:** This comparison rate applies only to examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence that cost of the loan.

**^Rates apply for all new loans settled after 06/11/2019**

Rates may vary depending on individual customer circumstances

SmartFix owner occupied P&I products roll to an owner occupied variable P&I product rate of 3.06% p.a.

SmartSaver Fixed owner occupied P&I products roll to an owner occupied variable P&I product rate of 3.06% p.a.

SmartFix owner occupied IO products roll to an owner occupied variable IO product rate of 3.56% p.a.

SmartSaver Fixed owner occupied IO products roll to an owner occupied variable IO product rate of 3.56% p.a.

^{1}Rates apply for all new loans settled after 06/11/2019

Rates may vary depending on individual customer circumstances

SmartFix investment P&I products roll to an investment variable P&I product rate of 3.36% pa

SmartSaver Fixed investment P&I products roll to an investment variable P&I product rate of 3.36% pa

SmartFix investment IO products roll to an investment variable IO product rate of 3.56% pa

SmartSaver Fixed investment IO products roll to an investment variable IO product rate of 3.56% pa

^{#}Interest Only available up to 5 years, with max LVR 80%.

** ^{2}**All SmartFix rates are calculated on the basis that they roll to the variable SmartFit product rate at the end of the initial term. All SmartSaver Fixed rates are calculated on the basis that they roll to the variable SmartSaver product rate at the end of the initial term. Fixed rate Interest Only loans are calculated as Interest Only for the duration of the fixed term, rolling to Principal & Interest for the rest of the loan term. During an Interest Only period, Interest Only payments will not reduce the loan balance and so more may have to be paid over the life of the loan.