The comparison rate is based on a secured owner-occupied principal and interest loan of $150,000 over 25 years. WARNING: The comparison rate is only true for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.
A tool to help customers identify the true cost of a loan. It is calculated using a standard formula.
It is a rate which includes the interest rate and certain fees and charges relating to a loan.
Government charges such as stamp duty or mortgage registration fees
Fees and charges associated with loan options or events that may or may not be used by the borrower, such as redraw fees
Fees and charges which aren’t available at the time the comparison rate is provided
Cost savings such as fee waivers or the availability of interest offset arrangements which can influence the cost of a loan.
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