Important Information

¹Savings on a loan of $800k for 30 years. The savings are an average of two scenarios in which the new loan rate is lower by 0.2% p.a. and 0.81% p.a for the term of the loan. It assumes a refinancing cost of $1,000, with loans being refinanced every 2 years for the duration of the loan term. Figures are rounded for simplicity and should not be taken as predictions or guarantees. Actual savings will depend on your loan amount, loan term, product features, lender criteria and fees.

^#Offer applies to loan applications with a net loan balance of $500,000 or more at time of assessment. “Lower cost” refers to lowering the total cost of credit—including interest, fees, rebates and charges—over the expected life of the loan, based on information available at the time of assessment. If you find a qualifying loan with a lower total cost that also meets your needs and lender criteria, we’ll either present a comparable or better loan option or provide $1000 cash back. Terms, conditions, and verification requirements apply. See Savings Commitment for details on full terms and conditions. This offer may be varied or withdrawn at any time.

^*Values from the calculator are indicative only. Actual savings will depend on your loan amount, loan term, product features, lender criteria and fees. Typical savings are calculated assuming the new loan rate is lower by 0.2% p.a. (low end of the range) and 0.81% p.a (high end of the range) for the term of the loan. It assumes a refinancing cost of $1,000, with loans being refinanced every 2 years for the duration of the loan term. Figures are rounded for simplicity.

^**Values from the calculator are indicative only. Actual savings will depend on your loan amount, loan term, product features, lender criteria and fees. Minimum savings are independent of finding a loan with a better total cost profile. Its calculated assuming the trail commission of the loan is rebated to the borrower(s). Figures are rounded for simplicity.

²Benchmark rates displayed are indicative only and do not constitute loan offers. They reflect the lowest publicly available rate for principal-and-interest loans with a loan-to-value (LVR) ratio of 80%. Actual rates and eligibility depend on your personal circumstances and lender assessment. Lenders offer lower rates for lower LVRs. Some lenders may offer lower rates for specific groups (e.g. first-home buyers or green homes), which we consider when recommending a loan that suits you.

³Comparison rates shown are calculated for a secured loan amount of $150,000 over 25 years, based on monthly repayments. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different loan amounts, terms, or fees will result in a different comparison rate.

⁴Average full-time adult weekly earnings: $2,043.80 (ABS, Nov 2024)
Average annual bonus: $4,322 (SEEK 2024 data)
Average working day includes 2 hours of video calls and 1 hour of email time (for context in time-value illustrations)
All examples are rounded and provided for illustrative purposes only.

General Information Only
Information on this site is general in nature and does not take into account your objectives, financial situation or needs. It should not be relied upon as personal advice. You should consider whether it is appropriate for you and, if necessary, seek independent advice before acting.

No Offer of Credit
Information on this website does not constitute credit assistance or an offer of credit. Credit assistance is provided only after we assess your personal objectives, financial situation and needs in accordance with the National Consumer Credit Protection Act 2009. All applications are subject to lender assessment and approval. Lending criteria and policies may change at any time without notice.

Fixed Rate Loans & Break Costs
For fixed-rate loans, break costs may apply if you change or repay your loan early. These costs can be significant. Ask your broker or lender for details before making changes.

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