Important Information

This is a benchmark savings analysis based on the limited information you've provided. It is not a personalised recommendation or an offer of credit. These figures will be replaced with a personalised assessment as part of your credit proposal. Year-1 and year-2 savings are measured at month 13 and month 25, so each includes that year's final quarterly cashback.

Benchmark 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.

Comparison 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.

Estimates are rounded and should not be taken as predictions or guarantees. Your actual savings and cashback will vary with your loan amount, loan term, product features, lender criteria and fees.

Assumptions
‍To generate this analysis, we've assumed: a loan term of 28 years; that you refinance every 2 years to maintain the most competitive rate; discharge fees of $300 (if we don't have the exact figure from your lender); and that any changes to your income or debt levels still allow for refinancing.

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. See Terms & Conditions for more information.

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.

Privacy & Data Protection
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We never sell customer information. See Terms & Conditions for more information.