## Offset Variable

LVR is 80% or less | Owner Occupier^{Δ} | Investor^{Δ} | ||
---|---|---|---|---|

Interest Rate | Comparison rate* | Interest Rate | Comparison rate* | |

Principal & Interest repayments^{1, 3} | 3.89%p.a. | 3.94%p.a. | 4.49%p.a. | 4.54%p.a. |

Construction Interest only^{1, 4} | 4.74%p.a. | 4.02%p.a. | 5.19%p.a. | 4.61%p.a. |

Interest Only repayments^{1, 5} | 4.84%p.a. | 4.19%p.a. | 4.99%p.a. | 4.75%p.a. |

LVR is above 80% and less than or equal to 90% | Owner Occupier^{Δ} | Investor^{Δ} | ||
---|---|---|---|---|

Interest Rate | Comparison rate* | Interest Rate | Comparison rate* | |

Principal & Interest repayments^{1, 3} | 4.59%p.a. | 4.64%p.a. | 4.89%p.a. | 4.95%p.a. |

Construction Interest only ^{1, 4} | 4.84%p.a. | 4.67%p.a. | 5.29%p.a. | 4.98%p.a. |

Interest Only repayments ^{1, 5} | 4.99%p.a. | 4.75%p.a. | 5.14%p.a. | 5.05%p.a. |

LVR is more than 90% | Owner Occupier^{Δ} | Investor^{Δ} | ||
---|---|---|---|---|

Interest Rate | Comparison rate* | Interest Rate | Comparison rate* | |

Principal & Interest repayments ^{1, 3} | 5.70%p.a. | %p.a | 6.13%p.a. | %p.a. |

Construction Interest only ^{1, 4} | 5.80%p.a. | %p.a. | 6.23%p.a. | %p.a. |

Interest Only repayments ^{1, 5} | 6.20%p.a. | %p.a. | 6.48%p.a. | %p.a |

Reference Rate | Owner Occupier^{Δ} | Investor^{Δ} | ||
---|---|---|---|---|

Interest Rate | Comparison rate* | Interest Rate | Comparison rate* | |

Principal & Interest repayments ^{1, 3} | 5.70%p.a. | --- | 6.13%p.a. | --- |

Construction Interest only ^{1, 4} | 5.80%p.a. | --- | %p.a. | --- |

Interest Only repayments ^{1, 5} | 6.20%p.a. | --- | %p.a. | --- |

* Comparison rate calculated on a $150,000 secured loan over a term of 25 years based on monthly repayments. #Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^{Δ} Maximum Loan to Value Ratio (LVR) is inclusive of Lenders Mortgage Insurance (LMI) where applicable. Maximums based on standard security. Lower LVR limits apply for non-standard security types.

^{#} On expiration of the fixed period, loan reverts to the relevant Standard Variable Principal & Interest repayment rate.

^{1} Achieve Variable is available to (a) new CUA home loans or (b) switching or restructuring of existing CUA home loans which include additional borrowing of at least $10,000 and the additional borrowing is not used to consolidate existing CUA loans. Minimum loan amount $100,000. Different interest rates apply to different loan amounts. Maximum LVR limits apply based on standard security types. Published interest rates are inclusive of any discounts off the respective Reference Rates. Interest rates and discounts vary by loan purpose (owner occupied and investment) and by repayment type (principal and interest, interest only and construction loans).

^{3} Principal and interest (P&I) repayments only. Not available for construction purposes.

^{4} Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Achieve Variable P&I repayments rate reflecting the discount specified in your loan contract. Comparison rate based on a 12 month interest only period and P&I for balance of the term.

^{5} Maximum interest only period of 24 months for owner-occupier and 60 months for investor lending subject to credit assessment. At expiry of the interest only period loan will revert to the relevant Achieve Variable P&I repayments rate reflecting the discount specified in your loan contract. Comparison rates based on a 24 and 60 month interest only period respectively and P&I for balance of the term.

^{15} Principal and interest (P&I) repayments only. Not available for construction purposes.

^{17} Payments are made on an interest only basis for first 12 months. After 12 months loan will revert to the relevant Standard Variable P&I repayments rate. Comparison rate based on a 12 month interest only period and relevant P&I for balance of the term.