Compare home loans

Upfront fees

$0

Ongoing fees

$395.00 yearly

Discharge Fee

$0.00

Extra repayments

Yes

Redraw facility

Yes - free

Offset account

Yes

Minimum loan amount

$500,000

Maximum loan amount

$

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$0.00

Extra repayments

Yes - free

Redraw facility

Yes

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$300.00

Extra repayments

Yes-free

Redraw facility

Yes-free

Offset account

Yes

Minimum loan amount

$150,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

Discharge Fee

$250.00

Extra repayments

Yes

Redraw facility

Yes

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$345.00 yearly

Discharge Fee

$

Extra repayments

Yes

Redraw facility

Yes

Offset account

No

Minimum loan amount

$250,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$324

Ongoing fees

$10.00 monthly

Discharge Fee

$50.00

Extra repayments

Yes

Redraw facility

Yes - free

Offset account

No

Minimum loan amount

$75,000

Maximum loan amount

$

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$680

Ongoing fees

Discharge Fee

$200.00

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$40,000

Maximum loan amount

$

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$250,000

Maximum loan amount

$499,999

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Monthly, fortnightly, weekly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$395.00 yearly

Discharge Fee

$200.00

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$50,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$295

Ongoing fees

$349.00 yearly

Discharge Fee

$100.00

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$250,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$0.00

Early exit fee?

No

Extra repayments

Yes - free

Redraw facility

Yes

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$345.00 yearly

Discharge Fee

$

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

No

Minimum loan amount

$250,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$350.00 yearly

Discharge Fee

$

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$250,000

Maximum loan amount

$499,999

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$499

Ongoing fees

$345.00 yearly

Discharge Fee

$300.00

Early exit fee?

No

Extra repayments

Yes-free

Redraw facility

Yes-free

Offset account

Yes

Minimum loan amount

$150,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

Discharge Fee

$250.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$324

Ongoing fees

$10.00 monthly

Discharge Fee

$50.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes - free

Offset account

No

Minimum loan amount

$75,000

Maximum loan amount

$

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$250,000

Maximum loan amount

$499,999

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Monthly, fortnightly, weekly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$680

Ongoing fees

Discharge Fee

$200.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$40,000

Maximum loan amount

$

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$395.00 yearly

Discharge Fee

$200.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$50,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$295

Ongoing fees

$349.00 yearly

Discharge Fee

$100.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$250,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$395.00 yearly

Discharge Fee

$0.00

Early exit fee?

Fixed rate
break fees

Extra repayments

Yes - up to $25,000

Redraw facility

Yes - $25,000 max

Offset account

No

Minimum loan amount

$150,000

Maximum loan amount

$

Type of loan

Fixed

Repayment types

Principal & interest, interest only

Availability

Owner occupier

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$295

Ongoing fees

$349.00 yearly

Discharge Fee

$100.00

Early exit fee?

Fixed rate
break fees

Extra repayments

Yes - up to $10,000 p.a.

Redraw facility

No

Offset account

No

Minimum loan amount

$250,000

Maximum loan amount

$2,000,000

Type of loan

Fixed

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$769

Ongoing fees

$6.00 monthly

Discharge Fee

$

Early exit fee?

Fixed rate
break fees

Extra repayments

Yes, up to 1 year in advance

Redraw facility

Yes - free

Offset account

No

Minimum loan amount

$10,000

Maximum loan amount

$

Type of loan

Fixed

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

Discharge Fee

$250.00

Early exit fee?

Fixed rate
break fees

Extra repayments

Yes - up to $10,000 pa

Redraw facility

No

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$2,000,000

Type of loan

Fixed

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$680

Ongoing fees

Discharge Fee

$200.00

Early exit fee?

Fixed rate
break fees

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$40,000

Maximum loan amount

$

Type of loan

Fixed

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$0.00

Early exit fee?

No

Extra repayments

Yes - free

Redraw facility

Yes

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$300.00

Early exit fee?

No

Extra repayments

Yes-free

Redraw facility

Yes-free

Offset account

Yes

Minimum loan amount

$150,000

Maximum loan amount

$1,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

Discharge Fee

$250.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

No

Minimum loan amount

$100,000

Maximum loan amount

$2,000,000

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$0

Ongoing fees

$0.00

Discharge Fee

$

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$250,000

Maximum loan amount

$499,999

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Monthly, fortnightly, weekly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Upfront fees

$680

Ongoing fees

Discharge Fee

$200.00

Early exit fee?

No

Extra repayments

Yes

Redraw facility

Yes

Offset account

Yes

Minimum loan amount

$40,000

Maximum loan amount

$

Type of loan

Variable

Repayment types

Principal & interest, interest only

Availability

Owner occupier, investor

Repayment options

Weekly, fortnightly, monthly

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for $150,000 over 25 years, and applies only to this example. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.