May 2014
STAR RATINGS
HOME LOANS
IN THIS REPORT
We research and rate 1,869 home loan products from
103 providers across 11 different borrower profiles – Variable,
1-Year Fixed, 2-Year Fixed, 3-Year Fixed and 5-Year Fixed loans in
Residential, Investment and Equity categories.
How are things stacked right now?
H
ome loan rates have seen little in the way of dramatic
movement over the last year. During the previous
12 months, the cash rate has changed only twice – it fell 0.25%
from 3% in May 2013, and 0.25% again in August, remaining at
2.5% ever since.
Consequently, there hasn’t been much opportunity for
changes in mortgage rates, which for many borrowers is a
good thing – at least they’re not sky-rocketing!
It would appear that borrowers are taking advantage of the
low rates, with total housing finance lifting 2.9% year on year
to a seasonally adjusted $27.644 billion according to recent
Australian Bureau of Statistics figures.
Comments from recent
Reserve Bank of Australia
(RBA) meetings have
suggested that the cash rate
will remain steady until the RBA
feels reassured that the nation’s
economy is back on an even keel,
with members of the board noting “the
cash rate could remain at the current
level for some time if the economy was to evolve
broadly as expected”.
Nevertheless, there is talk of coming rate rises, with
industry insiders predicting changes beginning in 2015.
If the economy does level out
satisfactorily, and rate rises ensue,
we can expect to see home loan rate
rises to follow suit pretty quickly – if
not before they happen.
History shows that home loan
rates have tracked the cash rate
very closely.
As the graph shows, loan rates
have more or less levelled since
September 2013 while the cash rate
has remained static, with just a very
small movement (upwards) from the
average three-year fixed rate.
Source: CANSTAR. Average standard variable and three-year fixed rate based on products on the CANSTAR database
available for $300,000 loan at 80% LVR. Official Cash Rate based on available figures, RBA
Bearing all of this in mind, it looks
likely that should 2015 see the cash
rate rise predicted by economists,
home loan rates will also start to
trend upwards – worth bearing
in mind if you are considering
upgrading or refinancing your home
loan in the near future.
1
Is there a quick way to cut costs?…
The short answer is no. A lot of people are
under the mistaken impression that simply
extending the term of a home loan makes
the repayments significantly cheaper, but
this isn’t, strictly speaking, the case.
If your loan
term was…
Your monthly
repayment would be…
With total interest paid over the
life of the loan of…
It’s true that by making the loan term
longer your monthly payments will come
down (although, as our table shows, the
longer the extension, the less difference
it makes) but the fact is that over the
long term, you will be paying a lot more
in interest repayments for a longer-term
loan.
Basically, any monetary gain achieved
by extending a loan is always short-term
and, therefore, deceptive. You will end up
paying more in the long run, the longer the
loan term is.
Source: CANSTAR. Loan repayment based on
$400,000 at 5.5% interest
A little more for a lot less
It pays to pay more now. Take out a
$400,000 loan at 5.5% interest over
30 years, for example, with monthly
repayments of $2,271, and over the term
of the loan you would end up paying back
a total of $817,616 – pretty scary stuff.
Increase your monthly payments by just
$200 a month (to $2,471), however, and
the new total cost of the loan is $731,954
– you’ll save yourself more than $85,000
over the life of the loan and pay it off
sooner!
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Maximise your loan approval chances
Are you one of those people that’s afraid of the big, bad bank
manager and hate the thought of having to go in and ask for a
great big home loan?
the less your potential borrowing capacity will be. Another top
tip is to reduce your credit limit, once you’ve managed to pay
off some of the card.
It really doesn’t need to be such a scary process, but to help
make things go a little bit easier for you, CANSTAR has some
great tips on how you can improve your chances of being
approved for a home loan.
3. Check your credit history. It’s a good idea to know where
you stand, so you can be ready to defend any past defaults
or late payments. Checking before you apply also gives you
the chance to rectify any inaccuracies on your report.
Find details about obtaining your credit report on the
government’s MoneySmart website, moneysmart.com.au.
1. The bigger your deposit the better. Try to
accumulate as large an amount as possible to put down
on the price of the property so that a) you reduce the
amount of money you need to borrow in the mortgage
and b) the provider can see you’re a seasoned saver with
a proven ability to set aside cash.
2. Reduce (or even eliminate)
outstanding debts. If you have a lot of
credit cards or other debts that need
paying off, you should try to do this
before applying for a home loan, as
high debt points to an unreliable
repayer. Make sure, too, to cancel
any credit cards you don’t use, as the
more you have open in your name,
4. Limit your applications. It’s easy to get carried
away, but try not to apply for several different home
loans at once, as this information can deter lenders (all
applications are recorded on your credit report).
5. Keep a written budget. A
comprehensive and realistic budgetkeeping diary listing your incomings and
outgoings will impress a lender of your
ability to keep track of your finances, as
well as help you organise yourself.
Then it’s just a case of fingers
crossed for a thumbs-up!
2
Ar
e?
ousing b
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a
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ub
e
bl
w
e
j
tw
bb
le
?
d
An
us
ha
t is a ho
u
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i
s
u
So, what exactly is a housing bubble?
When the housing market sees a continuous climb in house
prices, fears of a housing bubble are often raised. The phrase
is something of a metaphor, pointing to the concept that the
“bubble is about to burst”, i.e. that high house prices could
come crashing down at any moment.
Other factors that point to a housing bubble include an
easing of lending criteria, i.e. banks are less strict about who
they lend to and how much they lend (essentially what the US
financial crisis was blamed on) and a projection of future house
price growth.
The current housing market here in Australia is generally
considered “overvalued”, with property prices in Sydney and
Melbourne said to be almost 10 times income levels,
with growth at 10+%.
While house prices are indeed still rising, it’s interesting
to note that not all regions are seeing the same levels.
Property price growth in Sydney, for example, is
around the 15% mark, but in Brisbane it is less
than 5% and Canberra’s growth is less than
2%, demonstrating that conditions are not
consistent throughout the country.
To put that in perspective, it should be
noted that in Shenzhen city in China, house
prices are reportedly 35 times income levels
– however, many believe China is heading
straight for a housing crash in the near
future.
The housing
market here in
Australia is generally
considered
overvalued
In its April Monetary Policy meeting, the
Reserve Bank of Australia (RBA) board noted
that housing market conditions remained
strong, with housing prices rising in March to be
10.5% higher over the year on a nationwide basis.
These are indeed strong conditions, but whether or not
Australia is currently in a housing bubble is still a cause for
much debate.
In order for it to be considered a bubble, house prices
have to be seen not only as expensive (experts agree that
they certainly are in Australia) but they also have to be
unsustainable.
Whether or not we are currently in a
housing bubble per se, it makes sense to
acknowledge that things (rates) can’t stay
this way (low) forever, and the cutting of the
cash rate to help boost the economy will
eventually have the desired effect, leading
to rate rises and potentially flat or reduced
property prices.
No one has a crystal ball, but it pays to keep an eye
on financial commentary and the property market, in order
not to be caught by surprise if changes occur.
It is also very important to ensure you only take out a
loan, including your mortgage, that you are able to pay back
comfortably. Remember – regardless of how much you love the
property, never borrow beyond your means.
3
And the providers offering outstanding value are …
After making their way through
a whopping 1,869 products, the
CANSTAR analysts have been able to
compile ratings tables for home loans
across 11 categories.
Repeatedly offering outstanding
value was Newcastle Permanent
Building Society, which managed
to secure five stars in every single
category, and was awarded a total of
19 five-star ratings in total.
Also performing well was SERVICE
ONE Members Banking, which scored
five stars in 10 of the 11 categories
and earned 12 five-star ratings overall.
CANSTAR would like to congratulate
all of the institutions on their ratings.
These ratings are easy to use
and give you the ability to narrow
down products, according to your
personal circumstances, for further
investigation.
For full listings and details, see the
attached ratings tables.
CANSTAR
DISCLAIMER:
To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd ABN 29 114 422
909 AFSL 437917 and does not take into account your individual investment objectives, financial circumstances or needs. Information provided does not constitute
financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before you make any financial decision, you seek
professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product should also be obtained and considered before making
any decision about whether to acquire the product. CANSTAR acknowledges that past performance is not a reliable indicator of future performance. Please refer to
CANSTAR Research’s FSG for more information at www.canstar.com.au.
All information contained herein shall not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold,
or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without CANSTAR’s prior consent.
All information obtained by CANSTAR from external sources is believed to be accurate and reliable. Under no circumstances shall CANSTAR have any liability to
any person or entity due to error (negligence or otherwise) or other circumstances or contingency within or outside the control of CANSTAR or any of its directors,
officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication, or delivery of any such
information. Copyright 2012 CANSTAR Pty Ltd ABN 21 053 646.
4
STAR RATINGS
METHODOLOGY
METHODOLOGY
HOME LOANS
What are the CANSTAR Home Loan Star Ratings?
CANSTAR Home Loan Star Ratings is a sophisticated and unique ratings methodology that compares both Cost
and Features across home loan products. CANSTAR star ratings represent a shortlist of financial products,
enabling consumers to narrow their search to products that have been independently assessed and ranked.
CANSTAR Home Loan Star Ratings is a transparent analysis comparing all types of home loan products.
Ratings range from five- to one-star. Five-star rated products have been assessed as offering outstanding value
to consumers. Rising Stars are products that would be rated five-star but have not been in the market for six
months; these products will be formally rated in the next report once more historical data is available.
What types of products are evaluated by CANSTAR Home Loan Star Ratings?
The following are assessed in the ratings, in the form of 11 different borrower profiles:
• Residential Home Loans
• Investment Home Loans
• 1-, 2-, 3- and 5-year Residential Fixed Home Loans
• 1-, 2-, 3- and 5-year Investment Fixed Home Loans
• Line of Credit
Products specific to certain groups or with restrictions on eligibility are not included in the ratings. Home loans
that do not conform to the pricing scenario are also not included so as to ensure like-for-like comparison.
Business lending products are rated separately as part of the CANSTAR Business Banking Star Ratings.
5
How are the ‘stars’ calculated?
Each home loan reviewed for the CANSTAR Home Loan Star Ratings Report is awarded points for its comparative
Pricing and for the array of positive Features attached to the product. Points are aggregated to achieve a Pricing
score and a Feature score.
To arrive at the total score, CANSTAR applies a weight (w) against the Pricing and Features scores. This weight
will vary from profile to profile and will reflect the relative significance of either costs or features in determining
the best-value home loan product. This method can be summarised as:
TOTAL SCORE = PRICING + FEATURES SCORE
Price
Total Cost
Feature
Product
Features
Indexed Score
Product with the best pricing or
features will receive a full score
The weights for the borrowing profiles are as follows:
Product category
Price weighting
Feature weighting
Residential Variable
75%
25%
Investment Variable
80%
20%
Residential Fixed Rate
80%
20%
Investment Fixed Rate
85%
15%
Revolving Line of Credit
60%
40%
Price Score
CANSTAR accounts for both current and historical average annual percentage rate (AAPR) in the calculation of
the Pricing component of each product’s overall score. Each of the six months is weighted equally to arrive at
the average AAPR over the last six months.
Price
Total Cost
Based on $250,000 and $500,000 loan
over 25 years at 80% LVR
The price scores are based on the total cost for a scenario of a $250,000 loan repaid over 25 years at 80% loanto-value ratio (LVR) and a $500,000 loan repaid over 25 years at 80% LVR. Cost includes interest cost as well as
upfront, ongoing and discharge fees. For fixed-rate loans, the cost calculation for fixed home lending will be
based on a minimum five-year term with at least one rollover of the fixed rate.
6
The following table outlines the loan term and number of rollovers in each fixed loan profile:
Product category
Number of rollovers
Loan term
1 Year Fixed
4
5 years
2 Year Fixed
2
6 years
3 Year Fixed
1
6 years
5 Year Fixed
1
10 years
Features Score
The features component takes into account over 200 product features and allocated points. These product
features are grouped into 18 different categories with weights given to each relevant area. The following table
outlines the weightings of each of the feature categories per profile:
Residential
Variable
Investment
Variable
Residential
Fixed
Investment
Fixed
Line of
Credit
Examples of data captured
Lending terms
26%
28%
26%
27%
26%
Max and min loan amounts,
LVR, repayment term options
Split loans
9%
9%
8%
8%
8%
Splitting options inc max and
min split numbers
Switch fees
9%
9%
8%
9%
7%
Fees to switch between loan
types
Additional
repayments
9%
5%
7%
5%
-
Amount and number of
additional repayments
Offset facility
7.5%
8.5%
5.5%
4.5%
-
Availability and access of offset
account
Transactional
home loans
7.5%
8.5%
5.5%
4.5%
18%
Method, size and cost of
redraws where available
Home loan fees
5%
5%
5%
5%
5%
Refund of fees and arrears fees
details
Construction loans
4%
5%
2%
2%
1%
Availability and costs associated
with progressive draws
Lending areas
4%
4%
4%
4%
4%
Lending availability in each state
Security/equity/
guarantee options
5%
2%
3%
2%
2%
Conditions of guarantor and
security provision
Top up loan
facilities
4%
4%
4%
4%
-
Availability and cost of topping
up loan
Portability
3%
4%
3%
3%
3%
Availability and cost of
transferring loan
Security
requirements
3%
4%
3%
3%
4%
Loan approval requirements e.g.
pay slip, overseas income
Loan approval
4%
4%
4%
4%
4%
Channel availability, Approval
turnaround etc.
Loan purpose
-
-
-
-
4%
Available for business or
personal purpose
Fixed interest
details
-
-
12%
10%
-
Rate set time, guarantee period,
break cost refunds
Ability to pre-pay
interest
-
-
-
5%
-
Can interest be paid in
advance?
Line of credit
details
-
-
-
-
14%
Interest paid when in credit
details
100%
100%
100%
100%
100%
How many products and financial institutions are analysed?
In order to calculate the ratings, CANSTAR analysed 1,869 home loan products from 103 financial institutions in
Australia.
7
Does CANSTAR rate all products available in the market?
We endeavour to include the majority of product providers in the market and to compare the product features
most relevant to consumers in our ratings. However complete coverage is not always possible and it may be
that not every product in the market is included in the rating nor every feature compared that is relevant to you.
How often are all the products reviewed for rating purposes?
All ratings are fully recalculated every six months based on the latest features offered by each provider.
CANSTAR also monitors changes on an ongoing basis. The results are published in a variety of mediums
(newspapers, magazines, television, websites etc).
How are the stars awarded?
The total score received for each profile ranks the products. The stars are then awarded based on the
distribution of the scores with the objective to award the top 5-10% of products with the CANSTAR five-star
rating.















The results are reflected in a consumer-friendly CANSTAR star rating concept, with five stars denoting
outstanding value.
Does CANSTAR rate other product areas?
CANSTAR also rates the suite of banking and insurance products listed below. These star ratings use similar
methodologies to guarantee quality, consistency and transparency. The use of similar star ratings logos also
builds consumer recognition of quality products across all categories. Please access the CANSTAR website
www.canstar.com.au if you would like to view the latest CANSTAR star ratings reports of interest.
•
•
•
•
•
•
•
•
•
•
Account based pensions
Agribusiness
Business banking
Business life insurance
Car insurance
Credit cards
Deposit accounts
Direct life insurance
Health insurance
Home & Contents
•
•
•
•
•
•
•
•
•
•
Home loans
Life Insurance
Managed investments
Margin lending
Online share trading
Package banking
Personal loans
Reward programs
Superannuation
Travel insurance
8
DISCLAIMER:
To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd
ABN 29 114 422 909 AFSL 437917 and does not take into account your individual investment objectives, financial circumstances or needs. Information
provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before
you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product
should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past
performance is not a reliable indicator of future performance. Please refer to CANSTAR Research’s FSG for more information at www.canstar.com.au.
All information contained herein shall not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed
or resold, or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without
CANSTAR’s prior consent. All information obtained by CANSTAR from external sources is believed to be accurate and reliable. Under no circumstances
shall CANSTAR have any liability to any person or entity due to error (negligence or otherwise) or other circumstances or contingency within or outside the
control of CANSTAR or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis,
interpretation, communication, publication, or delivery of any such information. Copyright 2012 CANSTAR Pty Ltd ABN 21 053 646.
9
METHODOLOGY
What are the CANSTAR Home Loan Star Ratings?
CANSTAR Home Loan Star Ratings is a sophisticated and unique ratings methodology that compares both Cost
and Features across home loan products. CANSTAR star ratings represent a shortlist of financial products,
enabling consumers to narrow their search to products that have been independently assessed and ranked.
CANSTAR Home Loan Star Ratings is a transparent analysis comparing all types of home loan products.
Ratings range from five- to one-star. Five-star rated products have been assessed as offering outstanding value
to consumers. Rising Stars are products that would be rated five-star but have not been in the market for six
months; these products will be formally rated in the next report once more historical data is available.
What types of products are evaluated by CANSTAR Home Loan Star Ratings?
The following are assessed in the ratings, in the form of 11 different borrower profiles:
• Residential Home Loans
• Investment Home Loans
• 1-, 2-, 3- and 5-year Residential Fixed Home Loans
• 1-, 2-, 3- and 5-year Investment Fixed Home Loans
• Line of Credit
Products specific to certain groups or with restrictions on eligibility are not included in the ratings. Home loans
that do not conform to the pricing scenario are also not included so as to ensure like-for-like comparison.
Business lending products are rated separately as part of the CANSTAR Business Banking Star Ratings.
How are the ‘stars’ calculated?
Each home loan reviewed for the CANSTAR Home Loan Star Ratings Report is awarded points for its comparative
Pricing and for the array of positive Features attached to the product. Points are aggregated to achieve a Pricing
score and a Feature score.
To arrive at the total score, CANSTAR applies a weight (w) against the Pricing and Features scores. This weight
will vary from profile to profile and will reflect the relative significance of either costs or features in determining
the best-value home loan product. This method can be summarised as:
TOTAL SCORE = PRICING + FEATURES SCORE
Price
Total Cost
Feature
Product
Features
Indexed Score
Product with the best pricing or
features will receive a full score
The weights for the borrowing profiles are as follows:
Product category
Price weighting
Feature weighting
Residential Variable
75%
25%
Investment Variable
80%
20%
Residential Fixed Rate
80%
20%
Investment Fixed Rate
85%
15%
Revolving Line of Credit
60%
40%
Price Score
CANSTAR accounts for both current and historical average annual percentage rate (AAPR) in the calculation of
the Pricing component of each product’s overall score. Each of the six months is weighted equally to arrive at
the average AAPR over the last six months.
Price
Total Cost
Based on $250,000 and $500,000 loan
over 25 years at 80% LVR
The price scores are based on the total cost for a scenario of a $250,000 loan repaid over 25 years at 80% loanto-value ratio (LVR) and a $500,000 loan repaid over 25 years at 80% LVR. Cost includes interest cost as well as
upfront, ongoing and discharge fees. For fixed-rate loans, the cost calculation for fixed home lending will be
based on a minimum five-year term with at least one rollover of the fixed rate.
The following table outlines the loan term and number of rollovers in each fixed loan profile:
Product category
Number of rollovers
Loan term
1 Year Fixed
4
5 years
2 Year Fixed
2
6 years
3 Year Fixed
1
6 years
5 Year Fixed
1
10 years
Features Score
The features component takes into account over 200 product features and allocated points. These product
features are grouped into 18 different categories with weights given to each relevant area. The following table
outlines the weightings of each of the feature categories per profile:
Residential
Variable
Investment
Variable
Residential
Fixed
Investment
Fixed
Line of
Credit
Examples of data captured
Lending terms
26%
28%
26%
27%
26%
Max and min loan amounts,
LVR, repayment term options
Split loans
9%
9%
8%
8%
8%
Splitting options inc max and
min split numbers
Switch fees
9%
9%
8%
9%
7%
Fees to switch between loan
types
Additional
repayments
9%
5%
7%
5%
-
Amount and number of
additional repayments
Offset facility
7.5%
8.5%
5.5%
4.5%
-
Availability and access of offset
account
Transactional
home loans
7.5%
8.5%
5.5%
4.5%
18%
Method, size and cost of
redraws where available
Home loan fees
5%
5%
5%
5%
5%
Refund of fees and arrears fees
details
Construction loans
4%
5%
2%
2%
1%
Availability and costs associated
with progressive draws
Lending areas
4%
4%
4%
4%
4%
Lending availability in each state
Security/equity/
guarantee options
5%
2%
3%
2%
2%
Conditions of guarantor and
security provision
Top up loan
facilities
4%
4%
4%
4%
-
Availability and cost of topping
up loan
Portability
3%
4%
3%
3%
3%
Availability and cost of
transferring loan
Security
requirements
3%
4%
3%
3%
4%
Loan approval requirements e.g.
pay slip, overseas income
Loan approval
4%
4%
4%
4%
4%
Channel availability, Approval
turnaround etc.
Loan purpose
-
-
-
-
4%
Available for business or
personal purpose
Fixed interest
details
-
-
12%
10%
-
Rate set time, guarantee period,
break cost refunds
Ability to pre-pay
interest
-
-
-
5%
-
Can interest be paid in
advance?
Line of credit
details
-
-
-
-
14%
Interest paid when in credit
details
100%
100%
100%
100%
100%
How many products and financial institutions are analysed?
In order to calculate the ratings, CANSTAR analysed 1,115 home loan products from 104 financial institutions in
Australia.
Does CANSTAR rate all products available in the market?
We endeavour to include the majority of product providers in the market and to compare the product features
most relevant to consumers in our ratings. However complete coverage is not always possible and it may be
that not every product in the market is included in the rating nor every feature compared that is relevant to you.
How often are all the products reviewed for rating purposes?
All ratings are fully recalculated every six months based on the latest features offered by each provider.
CANSTAR also monitors changes on an ongoing basis. The results are published in a variety of mediums
(newspapers, magazines, television, websites etc).
How are the stars awarded?
The total score received for each profile ranks the products. The stars are then awarded based on the
distribution of the scores with the objective to award the top 5-10% of products with the CANSTAR five-star
rating.















The results are reflected in a consumer-friendly CANSTAR star rating concept, with five stars denoting
outstanding value.
Does CANSTAR rate other product areas?
CANSTAR also rates the suite of banking and insurance products listed below. These star ratings use similar
methodologies to guarantee quality, consistency and transparency. The use of similar star ratings logos also
builds consumer recognition of quality products across all categories. Please access the CANSTAR website
www.canstar.com.au if you would like to view the latest CANSTAR star ratings reports of interest.
•
•
•
•
•
•
•
•
•
•
Account based pensions
Agribusiness
Business banking
Business life insurance
Car insurance
Credit cards
Deposit accounts
Direct life insurance
Health insurance
Home & Contents
•
•
•
•
•
•
•
•
•
•
Home loans
Life Insurance
Managed investments
Margin lending
Online share trading
Package banking
Personal loans
Reward programs
Superannuation
Travel insurance
DISCLAIMER:
To the extent that any CANSTAR data, ratings or commentary constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd
ABN 29 114 422 909 AFSL 437917 and does not take into account your individual investment objectives, financial circumstances or needs. Information
provided does not constitute financial, taxation or other professional advice and should not be relied upon as such. CANSTAR recommends that, before
you make any financial decision, you seek professional advice from a suitably qualified adviser. A Product Disclosure Statement relating to the product
should also be obtained and considered before making any decision about whether to acquire the product. CANSTAR acknowledges that past
performance is not a reliable indicator of future performance. Please refer to CANSTAR Research’s FSG for more information at www.canstar.com.au.
All information contained herein shall not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed
or resold, or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without
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control of CANSTAR or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis,
interpretation, communication, publication, or delivery of any such information. Copyright 2012 CANSTAR Pty Ltd ABN 21 053 646.
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only
 outstanding value
ANZ
Breakfree Variable 250-499k
Australian Unity Home Loans Professional Package 50-499k
Australian Unity Home Loans Variable 50-499k
Bank of Melbourne
Advantage Package Variable 250-499k
Advantage Package Variable 250-499k
BankSA
BOQ
Clear Path Variable Home Loan
Commonwealth Bank
Wealth Package Standard Variable 250
HomeSide Lending
Homeplus Package Homeplus Variable
IMB
Budget Home Loan
IMB
Essentials
IMB
Platinum Package Standard Variable 25
ING DIRECT
Orange Advantage Variable 250-499k 8
loans.com.au
Dream Home Loan - Hot Summer Rate
nab
Choice Package Tailored Variable 250-4
nab
Private Tailored Pkg Tailored Variable 25
Newcastle Permanent
Discounted Real Deal 3 yrs
Newcastle Permanent
Premium Plus Package Premium Variab
Pacific Mortgage Group
Variable
Qantas Credit Union
Step Ahead Variable 250-499k
Qld Police Credit Union
Classic Plus Classic Plus 250k+
Queenslanders CU
Queenslanders Ultimate Home Loan
Ratebusters
Ultimate
SERVICE ONE Members BanPioneer Banking Standard Variable 200
St.George Bank
Advantage Package Variable 250-499k
State Custodians
Breathe Easy Offset
5.08%
4.83%
4.93%
5.05%
5.05%
4.87%
5.10%
5%
4.88%
4.98%
4.96%
4.88%
4.49%
5.08%
5.08%
4.90%
4.87%
4.77%
5.03%
5.04%
5.00%
4.84%
5.15%
5.04%
4.84%
Nil
275
Nil
Nil
Nil
150
200
200
768.74
Nil
323.74
220
520
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
727.5
Nil
Nil
550
375/a
330.00/a
Nil
395/a
395/a
10.00/m
375/a
10/m
10.00/m
Nil
395/a
199.00/a
Nil
395/a
750/a
Nil
350/a
Nil
Nil
25/m
100.00/a
Nil
375/a
395/a
Nil

























Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
97%
95%
90%
97%
95%
95%
250000
50000
50000
250000
250000
No min
250000
250000
75000
75000
250000
50000
50000
250000
250000
50000
250000
50000
150000
250000
250000
80000
200000
250000
100000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 1
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only
 outstanding value
State Custodians
State Custodians
UBank
Westpac
Yellow Brick Road

Peak Performance Offset
Standard Variable Offset
UHomeLoan
Premier Advantage Rocket Repay Hom
Empower Variable 80%
4.59%
4.69%
4.62%
5.08%
4.94%
550
550
Nil
Nil
363
299.00/a
299.00/a
Nil
395/a
Nil





Both
Both
Both
Both
Both
80%
95%
80%
95%
95%
100000
100000
100000
250000
100000















Complete Home Loan Package Mortgag
Essentials Special 80%
4.94%
4.79%
Nil
200
395/a
Nil


Both
Both
95%
90%
200000
150000






Basic Variable
Affinity Package Classic Variable 250k+
Select Package Classic Variable 250k+
Simplicity Plus
Select Basic Variable 100-499k
Basic Variable
Premium 250-499k
Premium Package Premium 250-499k
Premium Select 200-499k 80%
Premium Choice 250k+
Discounted Home Loan
Rate Breaker
Home Loan 80
Low Rate Plus Variable 150k+
Premium Variable 150k+
4.88%
5%
5%
5.18%
4.95%
5.09%
5.14%
5.04%
4.94%
5.15%
5.40%
4.91%
4.96%
5.05%
4.94%
830
895
895
600
1363
595
595
595
Nil
Nil
795
195
520
Nil
Nil
330.00/a
Nil
Nil
Nil
Nil
Nil
Nil
350/a
Nil
399.00/a
Nil
350.00/a
Nil
249/a
249/a















Both
Both
Both
Both
Both
P+I
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
80%
90%
90%
90%
95%
95%
95%
95%
95%
95%
97%
95%
80%
95%
95%
200000
250000
250000
50000
100000
10000
10000
250000
200000
No min
250000
10000
50000
150000
150000













































rising star
Bankwest
The Rock Building Soc

A M O Group
AMP Bank
AMP Bank
ANZ
Aussie
bankmecu
bankmecu
bankmecu
Bankwest
Big Sky Building Society
CUA
CUA
Firstmac
Gateway Credit Union
Gateway Credit Union
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 2
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Greater Building Society
Great Rate Variable
Greater Building Society
Ultimate Home Loan Package Variable
Homestar Finance
No Fee Offset
HSBC
Home Value
IMB
Introductory Variable 1 yr
iMortgage
Essential
iMortgage
Fusion ProPack Variable 80
iMortgage
Fusion Variable 80
ING DIRECT
SmartPack Mortgage Simplifier 250-499
Macquarie Bank
Basic Flyer Basic IO Variable 150-499k
Macquarie Bank
Basic IO Variable 150-499k
Macquarie Bank
Offset Flyer Standard Variable 150-499k
Advantage Variable 10-749k
Mortgage HOUSE
nab
Base Variable Rate Discount
Newcastle Permanent
Premium Plus Package Real Deal 50k+
Newcastle Permanent
Real Deal
P&N Bank
Easypay Plus Easypay Variable 150-49
People's Choice Credit Union Lite Basic Variable 30-499k 90%
Qantas Credit Union
Variable Rate
Qld Police Credit Union
Classic
RESI Mortgage Corp
Smart Option Home Loan
RESIMAC Financial Services Home Loan
RESIMAC Financial Services Horizon Loan
Select Credit Union
Super Mortgage Loan
Suncorp Bank
Home Package Plus Variable 250-499k
5.14%
4.94%
5.00%
4.75%
4.66%
4.69%
4.69%
4.79%
4.88%
4.94%
4.94%
4.94%
5.16%
5.23%
5.15%
5.15%
5.05%
4.99%
5.33%
5.14%
5.34%
5.04%
4.94%
5.29%
4.94%
275
275
Nil
Nil
768.75
150
Nil
Nil
220
363
363
363
595
Nil
Nil
Nil
Nil
Nil
600
876
660
599
599
Nil
Nil
Nil
325/a
Nil
Nil
10.00/m
Nil
330.00/a
Nil
Nil
Nil
Nil
398/a
Nil
Nil
350/a
Nil
350/a
Nil
Nil
Nil
Nil
Nil
345.00/a
Nil
375/a

























Both
Both
Both
Both
Both
Both
Both
Both
Both
IO
IO
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
90%
80%
95%
90%
80%
80%
95%
80%
80%
90%
95%
95%
95%
95%
90%
95%
95%
97%
95%
95%
95%
95%
95%
40000
No min
250000
100000
10000
50000
200000
200000
250000
150000
150000
150000
10000
20000
50000
50000
150000
30000
No min
50000
50000
50000
150000
25000
250000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 3
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

The Rock Building Soc
Yellow Brick Road
Yellow Brick Road
Rock Star Package Variable 80%
Better Basics
Gold Pathway Variable
4.93%
5.18%
5.14%
Nil
725
250
350.00/a
Nil
249.00/a



Both
Both
Both
95%
95%
95%
100000
50000
250000









Variable Home Loan
Budget Home Loan
SmartSaver
Smartfit Variable
Essential Home Loan
Basic Variable Loan
Professional Package Classic Variable 2
Professional Package Intro 1yr Variable
Variable
The Basics
Optimizer Variable 100-499k
Select Standard Variable 100-499k
Optimizer Plus Variable 100-499k
Advantage Plus 50-499k
Basic Variable
Negotiated Basic Variable
Discount Variable 1 yr
Expect More Variable 100-499k
Fixed Rate Package Basic Variable 10k
Basic Variable
5.35%
5.29%
4.99%
5.09%
4.90%
5.20%
5%
5%
5.88%
5.39%
5.09%
5.04%
5.09%
5.29%
5.32%
4.98%
5.20%
5.20%
5.09%
5.39%
730
934
475
475
295
545
Nil
Nil
600
600
100
1263
100
1095
600
600
700
Nil
595
600
Nil
Nil
Nil
10.00/m
Nil
Nil
349/a
349/a
5.00/m
8.00/m
Nil
15.00/m
198.00/a
Nil
Nil
Nil
10.00/m
395/a
350/a
Nil




















Both
P+I
Both
Both
P+I
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
95%
95%
90%
95%
90%
90%
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
20000
100000
10000
10000
40000
40000
250000
100000
20000
50000
100000
100000
100000
50000
30000
30000
50000
100000
10000
30000





























































A M O Group
ADCU
Adelaide Bank
Adelaide Bank
AMP Bank
AMP Bank
AMP Bank
AMP Bank
ANZ
Arab Bank Australia
Aussie
Aussie
Aussie
Austral Mortgage
Bank of Melbourne
Bank of Melbourne
Bank of Melbourne
Bank of Sydney
bankmecu
BankSA
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 4
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

BankSA
BankSA
BankVic
BankVic
BankVic
BankVic
BankVic
BankVic
Bankwest
Bankwest
Bankwest
bcu
bcu
Bendigo Bank
Beyond Bank
Beyond Bank
Big Sky Building Society
Big Sky Building Society
BOQ
Catalyst Money
Catalyst Money
Circle Credit Co-op
Citibank
Citibank
Citibank
Negotiated Basic Variable
Discount Variable 1 yr
12m discount variable 1 yr
24m discount variable 2 yrs
offset
Portfolio standard variable 250-749k
Premium Home standard variable 250-7
standard variable
Online Home Loan
Premium Home Loan
Rate Cutter Home Loan
Discount Variable Rate
Maximum Discount Variable
Home Loan Package Plus Variable 250
Basic Variable
Pinnacle +Plus Pkg Variable 200-299k
Basic Choice
Standard Choice
Economy
Basic Home Loan
Premium 250-399k
Smart Rate
Basic Variable 80%
Mortgage Plus Variable 150-499k
Mortgage Plus Offset Variable 150-499k
4.98%
5.27%
4.89%
4.89%
5.54%
5.09%
5.09%
5.49%
4.88%
5.29%
5.49%
5.38%
5.08%
5.31%
5.09%
5.49%
5.35%
5.85%
5.43%
5.03%
5.15%
5.25%
5.02%
4.87%
4.87%
600
700
Nil
Nil
300
Nil
Nil
300
Nil
355
755
600
600
728.8
795
Nil
350
350
995
600
Nil
275
649
250
250
Nil
10.00/m
Nil
Nil
Nil
375/a
375/a
Nil
Nil
Nil
Nil
Nil
Nil
8/m
11.00/m
Nil
10.00/m
Nil
10.00/m
8.00/m
Nil
Nil
Nil
350/a
350/a

























Both
Both
P+I
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
90%
80%
80%
30000
50000
120000
120000
20000
250000
250000
10000
100000
20000
20000
20000
50000
250000
100000
200000
10000
10000
No min
30000
250000
250000
50000
150000
150000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 5
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Coastline Credit Union
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Community First CU
Community First CU
CUA
CUA
Delphi Bank
Easy Street Fin Services
ECU Australia
Encompass Credit Union
Encompass Credit Union
Encompass Credit Union
FCCS Credit Union
FCCS Credit Union
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Heritage Bank
Minimiser Home Loan
Economiser
Economiser Intro Variable 3 yrs
No Fee Variable Rate
Rate Saver
Rate Saver Intro Variable 3 yrs
Discount Intro Variable 1 yr
Standard Variable
Wealth Package Discount Intro Variable
True Basic Home Loan
Accelerator Home Loan Package True V
Basic Variable 250k+
Intro Variable 1 yr
Complete
Easystreet Basic Var
Premium Plus Premium Variable 250-49
1yr Intro Rate Variable 1 yr
3yr Introductory Variable 3 yrs
Mortgage Loan
Member Advantage Loan
Property Accumulator
Low Rate Essentials
Variable
Variable
Basic Variable
5.09%
5.44%
4.89%
5.20%
5.44%
4.89%
5.20%
5.90%
5.20%
5.26%
5.37%
5.22%
5.02%
5.90%
5.26%
5.30%
4.85%
5.19%
5.55%
5.29%
5.29%
5.18%
5.49%
5.50%
5.28%
805
800
800
Nil
800
800
800
800
200
1113
Nil
795
795
770
500
800
960
960
960
600
600
750
750
275
100
8.00/m
8.00/m
Nil
Nil
8.00/m
8.00/m
8.00/m
8.00/m
375/a
Nil
395/a
Nil
Nil
6.00/m
Nil
30/m
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil

























P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
97%
90%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
250000
10000
10000
150000
10000
10000
10000
10000
150000
50000
250000
10000
10000
No min
50000
250000
1000
1000
1000
150000
250000
50000
20000
40000
50000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 6
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Heritage Bank
Heritage Bank
Heritage Bank
Holiday Coast CU
Holiday Coast CU
Holiday Coast CU
Holiday Coast CU
Holiday Coast CU
Homeloans
Homeloans
Homeloans
Homeloans
HomeSide Lending
Homestar Finance
Horizon Credit Union
Horizon Credit Union
Horizon Credit Union
Hume Building Society
Hume Building Society
Hunter United Credit Un
Hunter United Credit Un
Illawarra CU NSW
Illawarra CU NSW
IMB
ING DIRECT
Discount Variable
Professional Package Variable 150k+
Variable
Keep It Simple Standard
Home Sweet Home Platinum 5-399k
Home Sweet Home Standard 5-399k
Live Life Platinum
Live Life Standard
ProSmart
Ultra 30-499k
Ultra Plus Variable 30-499k
Monipower
Homeplus Variable Rate
Advantage Variable
Basic Home Loan
Platinum Loan Package Classic Home L
Mortgage Breaker
Interest Saver
Variable
Basic Variable
Package Home Loan Variable 100k+
Basic Home Loan
Premium 250-399k
Standard Variable
Mortgage Simplifier
4.99%
5.23%
5.64%
5.25%
5.39%
5.64%
5.85%
5.95%
5.43%
5.09%
4.94%
5.39%
5.91%
5.23%
5.39%
5.29%
5.39%
5.20%
5.85%
5.24%
5.40%
5.03%
5.15%
5.66%
5.22%
100
100
100
380
380
380
780
780
410
300
300
410
200
Nil
945
Nil
845
750
750
930
Nil
600
Nil
768.74
220
Nil
300/a
5.00/m
320.00/a
320.00/a
320.00/a
8.00/m
8.00/m
Nil
Nil
330.00/a
Nil
10.00/m
Nil
5.00/m
375/a
150.00/a
Nil
Nil
5.00/m
295/a
8.00/m
Nil
Nil
Nil

























P+I
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
P+I
P+I
P+I
P+I
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
150000
150000
20000
50000
5000
5000
50000
50000
50000
30000
30000
20000
100000
150000
No min
150000
10000
50000
No min
No min
100000
30000
250000
10000
50000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 7
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Liberty Financial
Liberty Free
Liberty Financial
Liberty Star
Macquarie Credit Union
Low Rate Home Loan
Macquarie Credit Union
First Home Buyers 3 yrs
Macquarie Credit Union
Home Loan Variable
Macquarie Credit Union
Introductory Rate Home Loan 1 yr
ME Bank
Var Super Member
Mortgage HOUSE
Advantage Complete Variable
Mortgage HOUSE
Vantage Offset Variable
nab
Base Variable Rate
nab
Tailored Variable
Newcastle Permanent
Intro Variable 1 yr
Newcastle Permanent
Premium Plus Package Intro Variable 1
Newcastle Permanent
Premium Plus Package Real Options
Newcastle Permanent
Real Options
Newcastle Permanent
Premium Variable
Northern Beaches CU
Introductory Home Loan 1 yr
Northern Beaches CU
Minimiser Home Loan
P&N Bank
Smooth Home Loan 80%
P&N Bank
Easypay Variable
People's Choice Credit Union Basic Variable
People's Choice Credit Union Home Loan Package Standard Variable
Qld Police Credit Union
Standard Variable
Qld Professional CU
Friendly
QT Mutual Bank
Choices Mortgage Breaker 250-499k
5.29%
5.09%
5.28%
5.03%
5.53%
5.03%
5.38%
5.36%
4.99%
5.67%
5.88%
4.85%
4.85%
5.55%
5.55%
5.77%
4.55%
5.34%
5.19%
5.70%
5.29%
5.27%
5.64%
5.30%
5.22%
Nil
330
720
590
750
750
350
645
670
Nil
Nil
Nil
Nil
Nil
Nil
Nil
640
915
650
650
900
Nil
876
855
Nil
Nil
28.00/m
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
8.00/m
Nil
350/a
350/a
Nil
Nil
Nil
Nil
Nil
8.00/m
8.00/m
375/a
Nil
10.00/m
395/a

























Both
Both
P+I
P+I
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
P+I
85%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
90%
95%
95%
97%
95%
95%
50000
50000
150000
10000
10000
150000
40000
10000
10000
20000
20000
No min
No min
No min
No min
No min
30000
100000
50000
20000
50000
250000
50000
No min
250000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 8
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

QT Mutual Bank
Smart Starter Extra Mortgage Breaker 2
QT Mutual Bank
Teachers' Life Mortgage Breaker 250-49
Quay Credit Union
Basic Variable (Refinance only)
Quay Credit Union
Premium Home Loan (Refinance only)
Queensland Country Credit UnUltimate Home Loan Variable Rate 150k
Queenslanders CU
Original Home Loan
RAMS
Full Feature
Ratebusters
RateBusters 80
RESI Mortgage Corp
Complete Home Loan
RESI Mortgage Corp
Essentials
RESI Mortgage Corp
Essentials Plus
RESI Mortgage Corp
Smart Pro 80
RESI Mortgage Corp
Smart Pro Plus 80
RESI Mortgage Corp
Break Thru Variable
RESI Mortgage Corp
Flexi Options
SCU
Basic Home Loan
SCU
Standard Variable
SERVICE ONE Members BanThe Base Variable
SERVICE ONE Members BanStandard Variable
SGE Credit Union
Solutions Home Loan Package Mortgag
St.George Bank
Basic Variable
St.George Bank
Negotiated Basic Variable
Summerland CU
Premium
Suncorp Bank
Back To Basics
Teachers Mutual Bank
My First Home Loan
5.22%
5.22%
4.99%
5.24%
5.29%
5.23%
5.85%
5.03%
5.72%
5.09%
4.99%
5.11%
5.01%
5.16%
5.29%
5.26%
5.77%
5.35%
5.75%
5.21%
5.41%
4.98%
5.29%
5.41%
5.48%
600
Nil
638
638
Nil
595
870
1130
649
649
649
649
649
689
854
747
747
750
750
Nil
600
600
380
600
Nil
Nil
25/m
Nil
Nil
330/a
Nil
Nil
Nil
Nil
Nil
330.00/a
Nil
330.00/a
Nil
Nil
Nil
Nil
8.00/m
8.00/m
350/a
Nil
Nil
380.00/a
Nil
Nil

























P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
P+I
95%
95%
80%
80%
90%
95%
95%
80%
95%
95%
95%
80%
80%
80%
95%
95%
95%
97%
97%
95%
95%
95%
95%
95%
98%
250000
250000
100000
100000
150000
50000
15000
80000
30000
30000
30000
30000
30000
50000
10000
25000
25000
No min
No min
No min
30000
30000
250000
10000
25000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 9
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Teachers Mutual Bank
Rewards Package Solutions Plus Home
Teachers Mutual Bank
Solutions Plus Home Loan
The Capricornian
My Advantage Variable 50k+
The Capricornian
My First Home Loan Variable 50k+
The Mac
Basic Variable
The Mac
Home Loan
The Mutual
Budget
The Shire Credit Union
Home Basic
The Shire Credit Union
Home Plus
Unicredit-WA
Variable
Victoria Teachers Mutual BankBasic Variable
Victoria Teachers Mutual BankRewards Package Basic Variable
Victoria Teachers Mutual BankOffset Variable
Victoria Teachers Mutual BankRewards Package Offset Variable
Westpac
Flexi First Option
Wide Bay Australia
Freedom Package Standard Variable 25
Yellow Brick Road
Homebase
5.07%
5.07%
5.52%
5.12%
4.99%
5.74%
5.03%
5.22%
5.37%
5.25%
5.14%
5.04%
5.64%
5.54%
5.33%
5.10%
5.49%
790
790
Nil
Nil
1130
1323
150
1055
1055
650
600
300
600
300
150
545
725
200/a
200.00/a
385/a
385/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
300/a
Nil
300/a
Nil
395/a
Nil

















Both
Both
Both
Both
Both
Both
P+I
P+I
P+I
Both
P+I
P+I
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
250000
250000
50000
50000
150000
No min
50000
250000
150000
5000
No min
No min
No min
No min
25000
250000
20000



















































5.59%
6.00%
5.00%
4.79%
5.98%
5.90%
934
895
295
600
100
700
Nil
10.00/m
10.00/m
8.00/m
Nil
10.00/m






P+I
Both
Both
P+I
Both
Both
95%
90%
90%
95%
95%
95%
30000
40000
40000
50000
100000
10000



















ADCU
AMP Bank
AMP Bank
Arab Bank Australia
Aussie
Bank of Melbourne
Standard Variable Offset
Classic Variable
Intro 1yr Variable 1 yr
HeadStart Intro Variable 1 yr
Optimizer Standard Variable
Variable
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 10
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

BankSA
Bankwest
bcu
Bendigo Bank
Beyond Bank
Beyond Bank
BOQ
BOQ
Cairns Penny
Catalyst Money
Circle Credit Co-op
Coastline Credit Union
Coastline Credit Union
Community First CU
Defence Bank
Defence Bank
Delphi Bank
ECU Australia
FCCS Credit Union
FCCS Credit Union
First Option Credit Union
Greater Building Society
Horizon Credit Union
HSBC
HSBC
Variable
Mortgage Shredder
Standard Variable
Home Loan Package Variable 5k+
Parent Variable
Variable
First Start 1 yr
Standard Variable
Standard Variable
Variable
Standard Variable
No Fee Home Loan Variable
Options Home Loan
True Value Var Hl
Flexi Saver
Flexi Choice Variable
Essential
Premium Variable
Rewards
Value Plus Variable
Packaged Home Loan Mortgage Secure
Mortgage Express
Classic Home Loan
Home Smart
Variable
5.97%
5.89%
5.78%
5.51%
5.79%
5.79%
5.01%
6.01%
5.50%
5.70%
5.75%
5.84%
5.54%
5.87%
5.19%
5.64%
5.90%
5.80%
5.74%
6.14%
5.50%
5.70%
5.79%
5.95%
5.95%
700
755
600
728.8
945
795
895
895
682
Nil
1075
Nil
805
1113
1070
400
1020
1020
750
750
600
275
Nil
852.5
852.5
10.00/m
Nil
Nil
8/m
Nil
Nil
10.00/m
10.00/m
15.00/q
Nil
Nil
Nil
8.00/m
Nil
Nil
Nil
8.00/m
Nil
Nil
8.00/m
375/a
5.00/m
Nil
Nil
Nil

























Both
Both
Both
P+I
Both
Both
Both
Both
Both
P+I
Both
P+I
P+I
Both
Both
P+I
Both
Both
Both
Both
P+I
P+I
Both
P+I
Both
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
90%
90%
90%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
90%
90%
10000
20000
10000
5000
10000
10000
5000
No min
20000
30000
50000
15000
100000
10000
50000
50000
30000
No min
30000
30000
150000
40000
No min
50000
50000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 11
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Hunter United Credit Un
Interest Only
Hunter United Credit Un
Variable
Illawarra CU NSW
Variable
Intech Credit Union
Classic Home Loan
Liberty Financial
Liberty Sharp
Macquarie Bank
Standard Variable
ME Bank
Standard Variable
ME Bank
Ultimate Super Member
MyState
Essentials
MyState
Variable
All in One
Northern Beaches CU
People's Choice Credit Union Standard Variable
Police Bank
Variable
Qld Professional CU
Variable
QT Mutual Bank
Rate Tracker Home Loan Series 3 80%
QT Mutual Bank
Mortgage Breaker
Queensland Country Credit UnVariable Rate
RESI Mortgage Corp
Low Start 1 yr
RESIMAC Financial Services Alt Doc Loan
RESIMAC Financial Services Quickstart Loan
SGE Credit Union
Mortgage Secured Loan
St.George Bank
Discount Variable 1 yr
St.George Bank
Variable
Summerland CU
Eco Mortgage Loan
Summerland CU
Family Advantage Intro Variable 1 yr
5.20%
5.70%
5.70%
5.68%
5.09%
5.95%
5.38%
5.68%
5.52%
5.89%
5.84%
5.87%
5.64%
6.15%
5.40%
5.82%
5.79%
4.72%
5.64%
5.54%
5.87%
5.29%
5.99%
5.64%
5.39%
880
930
Nil
400
330
363
350
350
702.5
702.5
915
900
1045
855
644
644
950
1199
599
599
500
700
700
600
800
Nil
5.00/m
Nil
Nil
Nil
398.00/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
5.00/m
Nil
Nil
Nil
Nil
10.00/m
10.00/m
8.00/m
8.00/m

























IO
P+I
P+I
Both
P+I
Both
Both
P+I
Both
Both
P+I
Both
Both
Both
P+I
P+I
Both
Both
Both
P+I
Both
Both
Both
P+I
P+I
90%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
95%
80%
95%
95%
95%
95%
80%
95%
No min
No min
30000
30000
100000
150000
40000
50000
150000
30000
30000
20000
30000
No min
150000
20000
10000
30000
50000
50000
No min
50000
10000
20000
75000











































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 12
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Summerland CU
Suncorp Bank
Teachers Mutual Bank
Teachers Mutual Bank
The Capricornian
The Mutual
The Mutual
The Mutual
TIO Banking
Westpac
Wide Bay Australia
First Start Intro Variable 1 yr
Variable
Flexi Choice
Variable Loan IO
Variable
Mutual
Intro Plus 3 yrs
Premium Variable
Home Loan Package Essentials Variabl
Rocket Repay Home Loan
Standard Variable
4.89%
5.99%
5.73%
5.73%
6.02%
5.23%
5.03%
5.58%
5.31%
5.98%
5.93%
800
600
790
790
275
300
500
Nil
Nil
750
750
8.00/m
10.00/m
Nil
Nil
Nil
Nil
Nil
Nil
399/a
8.00/m
10.00/m











P+I
Both
P+I
IO
Both
Both
P+I
Both
Both
Both
Both
95%
95%
95%
95%
95%
90%
90%
95%
90%
95%
95%
75000
10000
25000
25000
10000
50000
150000
20000
250000
10000
10000

































Smartdoc Variable
Variable
Variable
Bridging Home Loan
Variable
Offset Variable
Basic Variable
Mortgage Secured
Housing Loan Variable
Equity Extra
Home Loan Plus
Mortgage Plus Loan
6.19%
6.38%
6.01%
6.04%
6.19%
6.19%
5.64%
5.85%
5.90%
6.29%
5.89%
5.96%
475
990
728.8
795
649
649
1070
875
1257
800
800
800
10.00/m
10.00/m
8.00/m
Nil
8.00/m
8.00/m
Nil
Nil
Nil
10.00/m
8.00/m
8.00/m












Both
Both
P+I
Both
Both
Both
P+I
P+I
P+I
Both
P+I
P+I
80%
95%
90%
85%
90%
90%
95%
95%
95%
80%
95%
95%
10000
No min
5000
10000
50000
50000
50000
5000
10000
20000
20000
20000





































Adelaide Bank
Bank of Sydney
Bendigo Bank
Beyond Bank
Citibank
Citibank
Defence Bank
First Option Credit Union
Latvian Aus Credit Co-op
Summerland CU
Summerland CU
Summerland CU
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 13
Report Date: MARCH 2014
Home Loan Star Ratings
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

The Rock Building Soc
Variable
The Shire Credit Union
Home In One Loan
TIO Banking
Essentials Variable
Transport Mutual Credit UnionBasic Variable
Transport Mutual Credit UnionVariable
6.19%
5.98%
5.91%
5.56%
5.81%
800
1055
1180
1010
1010
5.00/m
8.00/a
10.00/m
Nil
Nil





Both
P+I
Both
P+I
P+I
95%
95%
90%
95%
95%
50000
20000
10000
100000
10000















your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 14
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.59%
4.79%
4.69%
4.49%
4.49%
3.99%
3.99%
4.59%
4.89%
4.69%
4.69%
4.90%
4.65%
830
Nil
1095
100
380
323.74
768.74
595
Nil
Nil
Nil
595
Nil
330.00/a
375/a
Nil
5.00/m
Nil
395/a
6.00/m
Nil
8.00/m
350/a
Nil
Nil
375/a













Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
5000000
No Max
5000000
No Max
No Max
No Max
No Max
2500000
No Max
No Max
No Max
No Max
No Max


























4.69%
4.94%
4.79%
4.79%
4.74%
4.95%
4.69%
4.74%
5.09%
4.65%
475
600
Nil
Nil
Nil
350
600
Nil
275
275
10.00/m
10.00/m
395/a
395/a
Nil
Nil
Nil
249/a
Nil
325/a










Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
No Max
No Max
No Max
No Max
No Max
4700000
No Max
2000000
No Max
No Max




















 outstanding value
A M O Group
Residential Fixed 1 yr
ANZ
Breakfree Residential 1yr Fixed 1 yr 150k
Austral Mortgage
Advantage Plus Fixed 1 yr
Heritage Bank
Residential Fixed 1 yr
Holiday Coast CU
Fixed N Easy 1 yr
IMB
Platinum Package Residential Fixed 1 yr
IMB
Residential Fixed 1 yr
Mortgage HOUSE
Advantage Fixed 1 yr 10-749k
nab
Standard Fixed 1 yr
Newcastle Permanent
Premium Plus Package Residential Fixed
Newcastle Permanent
Residential Fixed 1 yr
Queenslanders CU
Fixed Rate 1 yr
SERVICE ONE Members BanPioneer Banking Residential Fixed 1 yr 20

Adelaide Bank
ANZ
Bank of Melbourne
BankSA
Beyond Bank
Big Sky Building Society
Catalyst Money
Gateway Credit Union
Greater Building Society
Greater Building Society
Smartsuite Fixed ** 1 yr
Residential 1yr Fixed 1 yr
Advantage Package Residential Fixed 1 y
Advantage Package Residential Fixed 1 y
Pinnacle +Plus Pkg Residential Fixed 1 y
Fixed Rate 1 yr
Residential Fixed 1 yr
Low Rate Plus Residential Fixed 1 yr 150
Great Rate Fixed 1 yr
Ultimate Home Loan Package Standard F
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 1
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.49%
4.89%
4.79%
4.79%
4.69%
4.79%
4.79%
4.89%
4.79%
4.84%
4.79%
100
410
200
800
600
Nil
Nil
876
Nil
600
Nil
300/a
Nil
10.00/m
10/m
Nil
395/a
750/a
Nil
395/a
Nil
395/a











P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
97%
95%
95%
95%
No Max
3500000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max






















4.64%
4.79%
4.79%
4.69%
4.69%
4.74%
4.74%
4.67%
4.94%
4.79%
4.89%
4.94%
895
Nil
545
545
250
1263
1263
275
700
595
595
700
Nil
349/a
Nil
Nil
Nil
Nil
Nil
Nil
10.00/m
350/a
Nil
10.00/m












Both
Both
Both
Both
Both
Both
Both
P+I
Both
P+I
P+I
Both
90%
90%
90%
90%
95%
95%
95%
75%
95%
95%
95%
95%
No Max
2000000
2000000
No Max
No Max
5000000
5000000
2000000
1000000
No Max
No Max
No Max

























Heritage Bank
Professional Package Residential Fixed 1
Homeloans
MoniPower Fixed 1 yr
HomeSide Lending
Homeplus Fixed Rate 1 yr
HomeSide Lending
Homeplus Package Homeplus Fixed Rate
Illawarra CU NSW
Residential Fixed 1 yr
nab
Choice Package Standard Fixed 1 yr 150
nab
Private Tailored Pkg Standard Fixed 1 yr
Qld Police Credit Union
Residential Fixed 1 yr
St.George Bank
Advantage Package Residential Fixed 1 y
Victoria Teachers Mutual BankOffset Fixed 1 yr
Westpac
Premier Advantage Fixed Options 1 yr 15

AMP Bank
Affinity Package Residential Fixed 1 yr 10
AMP Bank
Professional Package Residential Fixed 1
AMP Bank
Residential Fixed 1 yr
AMP Bank
Select Package Residential Fixed 1 yr 10
Arab Bank Australia
Residential Fixed 1 yr
Aussie
Select Basic Fixed 1 yr
Aussie
Select Standard Fixed 1 yr
Australian Unity Home Loans Residential Fixed 1 yr
Bank of Melbourne
Residential Fixed 1 yr
bankmecu
Fixed Rate Package Residential Fixed 1 y
bankmecu
Residential Fixed 1 yr
BankSA
Residential Fixed 1 yr
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 2
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Nil
600
795
895
800
200
795
795
1020
960
Nil
750
275
Nil
945
852.5
750
Nil
719
719
363
363
350
350
375/a
Nil
Nil
10.00/m
8.00/m
375/a
Nil
Nil
Nil
Nil
249/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
398.00/a
398/a
Nil
Nil
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
P+I
95%
95%
95%
95%
95%
95%
97%
97%
95%
95%
95%
95%
95%
95%
95%
90%
95%
80%
95%
95%
90%
90%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































BankVic
bcu
Beyond Bank
BOQ
Commonwealth Bank
Commonwealth Bank
CUA
CUA
ECU Australia
Encompass Credit Union
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Homestar Finance
Horizon Credit Union
HSBC
Hume Building Society
iMortgage
ING DIRECT
ING DIRECT
Macquarie Bank
Macquarie Bank
ME Bank
ME Bank
Portfolio Fixed 1 yr 250k+
Residential Fixed 1 yr
Residential Fixed 1 yr
Residential 1yr Fixed 1 yr
Residential Fixed 1 yr
Wealth Package Residential Fixed 1 yr 15
Residential Fixed 1 yr
Residential Premium Fixed 1 yr
Premium Fixed 1 yr
Residential Fixed 1 yr
Premium Residential Fixed 1 yr 150k+
Residential Fixed 1 yr
Standard Fixed 1 yr
Advantage Fixed 1 yr
Residential Fixed 1 yr 80%
Residential Fixed 1 yr
Residential Fixed 1 yr
Residential Fusion Fixed 80 1 yr
Residential Fixed 1 yr
SmartPack Residential Fixed 1 yr 250k+
Offset Fixed 1 yr
Offset Flyer Offset Fixed 1 yr 150k+
Standard Fixed 1 yr
Super Member Fixed 1 yr
4.79%
4.84%
4.89%
4.75%
4.94%
4.79%
4.89%
5.14%
4.99%
4.79%
4.69%
4.89%
5.09%
4.75%
3.99%
4.49%
4.85%
4.57%
4.69%
4.69%
4.79%
4.79%
4.94%
4.94%
No Max
2500000
2000000
No Max
No Max
No Max
5000000
5000000
No Max
1000000
2000000
No Max
No Max
2000000
No Max
7500000
No Max
2000000
2000000
No Max
2000000
No Max
No Max
No Max
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 3
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Nil
Nil
Nil
Nil
150
900
600
950
Nil
870
649
649
649
649
599
747
750
500
700
550
Nil
790
1323
800
395/a
750/a
8.00/m
Nil
375/a
8.00/m
Nil
5.00/m
330/a
20.00/m
Nil
330.00/a
Nil
Nil
Nil
Nil
8.00/m
Nil
10.00/m
299.00/a
375/a
Nil
Nil
5.00/m
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























IO
IO
IO
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
97%
95%
95%
95%
95%
95%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































nab
Choice Package Tailored Fixed IO 1 yr 15
nab
Private Tailored Pkg Tailored Fixed IO 1 y
nab
Tailored Fixed IO 1 yr
People's Choice Credit Union Lite Fixed 1 yr
People's Choice Credit Union Home Loan Package Residential Fixed 1
People's Choice Credit Union Residential Fixed 1 yr
Qantas Credit Union
Fixed Rate 1 yr
Queensland Country Credit UnFixed Rate 1 yr
Queensland Country Credit UnUltimate Home Loan Fixed Rate 1 yr 150k
RAMS
Fixed Rate 1 yr
RESI Mortgage Corp
FlexiFix 1 yr
RESI Mortgage Corp
FlexiFix Plus 1 yr
RESI Mortgage Corp
FlexiFix Plus 80 1 yr
RESI Mortgage Corp
Smart Pro Fixed 1 yr
RESIMAC Financial Services Standard Fixed 1 yr
SCU
Residential Fixed 1 yr
SERVICE ONE Members BanResidential Fixed 1 yr
SGE Credit Union
Residential Fixed 1 yr
St.George Bank
Residential Fixed 1 yr
State Custodians
Standard Fixed 1 yr
Suncorp Bank
Home Package Plus Residential Fixed 1 y
Teachers Mutual Bank
Option Fixed 1 yr
The Mac
Standard Fixed 1 yr
The Rock Building Soc
Residential Fixed 1 yr 80%
4.89%
4.89%
4.99%
4.74%
4.89%
5.04%
4.99%
4.89%
4.89%
4.75%
4.84%
4.74%
4.59%
4.89%
4.88%
4.75%
4.85%
4.79%
4.94%
4.86%
4.78%
4.84%
5.24%
4.77%
No Max
No Max
No Max
1000000
No Max
No Max
No Max
No Max
No Max
No Max
2000000
2000000
2000000
2000000
1000000
No Max
No Max
2000000
No Max
1000000
No Max
5000000
1000000
3000000
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 4
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.38%
4.89%
4.84%
4.74%
4.74%
4.99%
4.48%
4.85%
4.89%
4.89%
4.79%
4.79%
Nil
650
600
300
300
600
750
750
725
250
363
363
Nil
Nil
Nil
300/a
300/a
8.00/m
395/a
10.00/m
Nil
249.00/a
Nil
198/a












Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
80%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
1000000
No Max
No Max
No Max
No Max
No Max
No Max
3500000
2000000
2000000
2000000
No Max
























4.79%
4.89%
5.09%
4.99%
4.89%
4.99%
4.74%
4.89%
5.09%
5.44%
5.09%
100
300
295
728.8
945
682
649
805
1113
1020
410
Nil
Nil
12.00/m
8.00/m
Nil
15.00/q
8.00/m
Nil
Nil
6.00/m
Nil











Both
Both
Both
P+I
Both
P+I
Both
P+I
Both
Both
Both
95%
95%
90%
90%
95%
95%
90%
90%
95%
90%
95%
2000000
3000000
No Max
No Max
1000000
1000000
4000000
No Max
1000000
5000000
2000000























UBank
UHomeLoan Fixed 1 yr
Unicredit-WA
Residential Fixed 1 yr
Victoria Teachers Mutual BankBasic Fixed 1 yr
Victoria Teachers Mutual BankRewards Package Basic Fixed 1 yr
Victoria Teachers Mutual BankRewards Package Offset Fixed 1 yr
Westpac
Fixed Options 1 yr
Wide Bay Australia
Freedom Package Standard Fixed 1 yr 15
Wide Bay Australia
Standard Fixed 1 yr
Yellow Brick Road
Futureproof Fixed 1 yr
Yellow Brick Road
Gold Pathway Fixed 1 yr
Yellow Brick Road
Empower Fixed 1 yr
Yellow Brick Road
Empower Package Empower Fixed 1 yr 1

Aussie
BankVic
Bankwest
Bendigo Bank
Beyond Bank
Cairns Penny
Citibank
Coastline Credit Union
Community First CU
Delphi Bank
Homeloans
Optimizer Fixed 1 yr
Fixed 1 yr
Residential Fixed 1 yr
Residential Fixed 1 yr
Parent Fixed 1 yr
Standard Fixed 1 yr
Standard Fixed 1 yr
Residential Fixed 1 yr
True Fixed 1 yr
Standard Fixed 1 yr
ProSmart Fixed 1 yr
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 5
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.94%
4.79%
4.79%
4.79%
4.77%
4.79%
4.89%
4.69%
5.04%
5.28%
5.18%
4.80%
4.93%
4.84%
4.79%
4.85%
4.75%
330
363
363
363
702.5
Nil
644
649
660
599
599
800
600
790
300
1180
Nil
28.00/m
Nil
Nil
Nil
Nil
395/a
Nil
Nil
Nil
Nil
Nil
8.00/m
10.00/m
Nil
Nil
10.00/m
399/a

















Both
IO
IO
P+I
Both
P+I
P+I
Both
Both
Both
P+I
Both
Both
IO
Both
Both
Both
85%
90%
90%
90%
95%
95%
95%
80%
95%
80%
95%
95%
95%
95%
95%
90%
90%
1000000
No Max
2000000
2000000
1000000
No Max
No Max
2000000
2000000
1000000
1000000
No Max
No Max
5000000
No Max
No Max
No Max


































5.69%
4.99%
4.75%
5.00%
5.04%
5.84%
475
990
875
875
300
915
10.00/m
10.00/m
375/a
Nil
Nil
Nil






Both
Both
P+I
P+I
Both
IO
80%
95%
95%
95%
95%
95%
2000000
No Max
1000000
1000000
2000000
No Max













Liberty Financial
Liberty Fixed 1 yr
Macquarie Bank
Basic Flyer Basic IO Fixed 1 yr
Macquarie Bank
Basic IO Fixed 1 yr
Macquarie Bank
Basic P&I Fixed 1 yr
MyState
Residential Fixed 1 yr 80%
QT Mutual Bank
Choices Residential Fixed 1 yr 20k+
QT Mutual Bank
Residential Fixed 1 yr
RESI Mortgage Corp
FlexiFix 80 1 yr
RESI Mortgage Corp
Smart Option Fixed Home Loan 1 yr
RESIMAC Financial Services Alt Doc Fixed 1 yr
RESIMAC Financial Services Quickstart Fixed 1 yr
Summerland CU
Standard Fixed 1 yr
Suncorp Bank
Residential Fixed 1 yr
Teachers Mutual Bank
Standard Fixed IO 1 yr
The Mutual
Premium Fixed 1 yr
TIO Banking
Essentials Fixed 1 yr
TIO Banking
Home Loan Package Essentials Fixed 1 y

Adelaide Bank
Bank of Sydney
First Option Credit Union
First Option Credit Union
Homeloans
Northern Beaches CU
Smartdoc Fixed 1 yr
Residential Fixed 1 yr
Packaged Home Loan Residential Fixed
Residential Fixed 1 yr
Ultra Fixed 1 yr
Interest Only Fixed 1 yr
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 6
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
638
1010
Nil
Nil
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR


P+I
P+I
80%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility





Quay Credit Union
Residential Fixed (Refinance only) 1 yr
Transport Mutual Credit UnionResidential Fixed 1 yr
4.99%
5.79%
1500000
832406
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 7
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.88%
4.84%
4.84%
4.79%
4.79%
4.79%
4.75%
4.74%
4.84%
4.94%
4.79%
4.79%
4.94%
4.99%
4.70%
4.79%
4.84%
830
Nil
1095
Nil
Nil
Nil
100
595
Nil
Nil
Nil
Nil
876
595
Nil
Nil
Nil
330.00/a
375/a
Nil
395/a
395/a
Nil
5.00/m
Nil
395/a
8.00/m
350/a
Nil
Nil
Nil
375/a
395/a
395/a

















Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
95%
97%
95%
95%
5000000
No Max
5000000
No Max
No Max
No Max
No Max
2500000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max


































4.84%
4.89%
4.89%
5.19%
4.75%
5.04%
475
600
795
795
100
410
10.00/m
Nil
Nil
Nil
300/a
Nil






Both
Both
Both
Both
P+I
Both
95%
95%
97%
97%
95%
95%
No Max
No Max
5000000
5000000
No Max
3500000












 outstanding value
A M O Group
Residential Fixed 2 yrs
ANZ
Breakfree Residential Fixed 2 yrs 150k+
Austral Mortgage
Advantage Plus Fixed 2 yrs
Bank of Melbourne
Advantage Package Residential Fixed 2 y
BankSA
Advantage Package Residential Fixed 2 y
Beyond Bank
Pinnacle +Plus Pkg Residential Fixed 2 y
Heritage Bank
Residential Fixed 2 yrs
Mortgage HOUSE
Advantage Fixed 2 yrs 10-749k
nab
Choice Package Standard Fixed 2 yrs 15
nab
Standard Fixed 2 yrs
Newcastle Permanent
Premium Plus Package Residential Fixed
Newcastle Permanent
Residential Fixed 2 yrs
Qld Police Credit Union
Residential Fixed 2 yrs
Queenslanders CU
Fixed Rate 2 yrs
SERVICE ONE Members BanPioneer Banking Residential Fixed 2 yrs 2
St.George Bank
Advantage Package Residential Fixed 2 y
Westpac
Premier Advantage Fixed Options 2 yrs 1

Adelaide Bank
Catalyst Money
CUA
CUA
Heritage Bank
Homeloans
Smartsuite Fixed ** 2 yrs
Residential Fixed 2 yrs
Residential Fixed 2 yrs
Residential Premium Fixed 2 yrs
Professional Package Residential Fixed 2
MoniPower Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 8
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.84%
4.84%
4.89%
4.79%
4.79%
4.79%
4.79%
4.84%
4.89%
4.89%
4.90%
4.75%
4.99%
4.89%
200
800
600
323.74
768.74
719
719
Nil
950
Nil
750
800
600
300
10.00/m
10/m
Nil
395/a
6.00/m
Nil
Nil
750/a
5.00/m
330/a
8.00/m
5.00/m
Nil
300/a














Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
95%
95%
95%
No Max
No Max
No Max
No Max
No Max
2000000
No Max
No Max
No Max
No Max
No Max
3000000
No Max
No Max




























4.74%
4.89%
4.89%
4.79%
4.99%
4.74%
4.74%
4.74%
4.82%
895
Nil
545
545
600
100
1263
1263
275
Nil
349/a
Nil
Nil
10.00/m
Nil
Nil
Nil
Nil









Both
Both
Both
Both
Both
Both
Both
Both
P+I
90%
90%
90%
90%
90%
95%
95%
95%
75%
No Max
2000000
2000000
No Max
No Max
2000000
5000000
5000000
2000000



















HomeSide Lending
Homeplus Fixed Rate 2 yrs
HomeSide Lending
Homeplus Package Homeplus Fixed Rate
Illawarra CU NSW
Residential Fixed 2 yrs
IMB
Platinum Package Residential Fixed 2 yrs
IMB
Residential Fixed 2 yrs
ING DIRECT
Residential Fixed 2 yrs
ING DIRECT
SmartPack Residential Fixed 2 yrs 250k+
nab
Private Tailored Pkg Standard Fixed 2 yrs
Queensland Country Credit UnFixed Rate 2 yrs
Queensland Country Credit UnUltimate Home Loan Fixed Rate 2 yrs 150
SERVICE ONE Members BanResidential Fixed 2 yrs
The Rock Building Soc
Residential Fixed 2 yrs 80%
Victoria Teachers Mutual BankOffset Fixed 2 yrs
Victoria Teachers Mutual BankRewards Package Offset Fixed 2 yrs

AMP Bank
Affinity Package Residential Fixed 2 yrs 1
AMP Bank
Professional Package Residential Fixed 2
AMP Bank
Residential Fixed 2 yrs
AMP Bank
Select Package Residential Fixed 2 yrs 10
ANZ
Residential Fixed 2 yrs
Aussie
Optimizer Fixed 2 yrs
Aussie
Select Basic Fixed 2 yrs
Aussie
Select Standard Fixed 2 yrs
Australian Unity Home Loans Residential Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 9
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
700
595
595
700
Nil
295
600
795
350
895
805
800
200
1113
1020
960
275
275
750
275
275
380
Nil
945
10.00/m
350/a
Nil
10.00/m
375/a
12.00/m
Nil
Nil
Nil
10.00/m
Nil
8.00/m
375/a
Nil
Nil
Nil
249/a
249/a
Nil
Nil
325/a
Nil
Nil
Nil
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































Bank of Melbourne
bankmecu
bankmecu
BankSA
BankVic
Bankwest
bcu
Beyond Bank
Big Sky Building Society
BOQ
Coastline Credit Union
Commonwealth Bank
Commonwealth Bank
Community First CU
ECU Australia
Encompass Credit Union
Gateway Credit Union
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Greater Building Society
Holiday Coast CU
Homestar Finance
Horizon Credit Union
Residential Fixed 2 yrs
Fixed Rate Package Residential Fixed 2 y
Residential Fixed 2 yrs
Residential Fixed 2 yrs
Portfolio Fixed 2 yrs 250k+
Residential Fixed 2 yrs
Residential Fixed 2 yrs
Residential Fixed 2 yrs
Fixed Rate 2 yrs
Residential Fixed 2 yrs
Residential Fixed 2 yrs
Residential Fixed 2 yrs
Wealth Package Residential Fixed 2 yrs 1
True Fixed 2 yrs
Premium Fixed 2 yrs
Residential Fixed 2 yrs
Low Rate Plus Residential Fixed 2 yrs 15
Premium Residential Fixed 2 yrs 150k+
Residential Fixed 2 yrs
Great Rate Fixed 2 yrs
Ultimate Home Loan Package Standard F
Fixed N Easy 2 yrs
Advantage Fixed 2 yrs
Residential Fixed 2 yrs 95%
4.94%
4.85%
4.95%
4.94%
4.89%
4.84%
4.94%
4.94%
5.10%
4.79%
4.94%
4.99%
4.84%
5.09%
5.29%
4.79%
4.94%
4.89%
5.34%
5.29%
4.99%
4.79%
4.80%
4.99%
1000000
No Max
No Max
No Max
No Max
No Max
2500000
2000000
4700000
No Max
No Max
No Max
No Max
1000000
No Max
1000000
2000000
2000000
No Max
No Max
No Max
No Max
2000000
No Max
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 10
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
750
Nil
363
363
Nil
Nil
Nil
Nil
Nil
Nil
150
900
600
870
649
649
649
660
649
599
747
500
700
Nil
Nil
Nil
398.00/a
398/a
395/a
750/a
8.00/m
8.00/m
Nil
Nil
375/a
8.00/m
Nil
20.00/m
Nil
330.00/a
Nil
Nil
Nil
Nil
Nil
Nil
10.00/m
375/a
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























Both
Both
Both
Both
IO
IO
IO
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
80%
90%
90%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































Hume Building Society
Residential Fixed 2 yrs
iMortgage
Residential Fusion Fixed 80 2 yrs
Macquarie Bank
Offset Fixed 2 yrs
Macquarie Bank
Offset Flyer Offset Fixed 2 yrs 150k+
nab
Choice Package Tailored Fixed IO 2 yrs 1
nab
Private Tailored Pkg Tailored Fixed IO 2 y
nab
Tailored Fixed IO 2 yrs
P&N Bank
Residential Fixed 2 yrs 80%
Pacific Mortgage Group
Residential Fixed 2 yrs
People's Choice Credit Union Lite Fixed 2 yrs
People's Choice Credit Union Home Loan Package Residential Fixed 2
People's Choice Credit Union Residential Fixed 2 yrs
Qantas Credit Union
Fixed Rate 2 yrs
RAMS
Fixed Rate 2 yrs
RESI Mortgage Corp
FlexiFix 2 yrs
RESI Mortgage Corp
FlexiFix Plus 2 yrs
RESI Mortgage Corp
FlexiFix Plus 80 2 yrs
RESI Mortgage Corp
Smart Option Fixed Home Loan 2 yrs
RESI Mortgage Corp
Smart Pro Fixed 2 yrs
RESIMAC Financial Services Standard Fixed 2 yrs
SCU
Residential Fixed 2 yrs
SGE Credit Union
Residential Fixed 2 yrs
St.George Bank
Residential Fixed 2 yrs
Suncorp Bank
Home Package Plus Residential Fixed 2 y
4.90%
4.77%
4.89%
4.89%
4.94%
4.94%
5.04%
4.84%
4.59%
4.99%
4.79%
4.94%
5.09%
4.89%
4.94%
4.84%
4.69%
5.09%
4.99%
5.01%
4.79%
4.79%
4.94%
4.80%
No Max
2000000
2000000
No Max
No Max
No Max
No Max
No Max
2000000
1000000
No Max
No Max
No Max
No Max
2000000
2000000
2000000
2000000
2000000
1000000
No Max
2000000
No Max
No Max
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 11
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.95%
4.69%
4.69%
5%
5%
4.99%
4.99%
4.89%
5.04%
4.89%
4.99%
5.34%
5.09%
4.89%
4.89%
600
790
790
Nil
Nil
650
600
300
600
750
750
725
250
363
363
10.00/m
Nil
Nil
385/a
385/a
Nil
Nil
300/a
8.00/m
395/a
10.00/m
Nil
249.00/a
Nil
198/a















Both
P+I
IO
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
No Max
5000000
5000000
2000000
750000
No Max
No Max
No Max
No Max
No Max
3500000
2000000
2000000
2000000
No Max






























4.99%
4.99%
4.99%
4.94%
4.94%
5.25%
4.79%
4.99%
1034
250
300
728.8
945
682
649
400
Nil
Nil
Nil
8.00/m
Nil
15.00/q
8.00/m
Nil








Both
Both
Both
P+I
Both
P+I
Both
P+I
95%
95%
95%
90%
95%
95%
90%
95%
No Max
No Max
3000000
No Max
1000000
1000000
4000000
1500000

















Suncorp Bank
Residential Fixed 2 yrs
Teachers Mutual Bank
Option Fixed 2 yrs
Teachers Mutual Bank
Standard Fixed IO 2 yrs
The Capricornian
My Advantage Fixed 2 yrs 50k+
The Capricornian
My First Home Loan Fixed 2 yrs 50k+
Unicredit-WA
Residential Fixed 2 yrs
Victoria Teachers Mutual BankBasic Fixed 2 yrs
Victoria Teachers Mutual BankRewards Package Basic Fixed 2 yrs
Westpac
Fixed Options 2 yrs
Wide Bay Australia
Freedom Package Standard Fixed 2 yrs 1
Wide Bay Australia
Standard Fixed 2 yrs
Yellow Brick Road
Futureproof Fixed 2 yrs
Yellow Brick Road
Gold Pathway Fixed 2 yrs
Yellow Brick Road
Empower Fixed 2 yrs
Yellow Brick Road
Empower Package Empower Fixed 2 yrs

ADCU
Arab Bank Australia
BankVic
Bendigo Bank
Beyond Bank
Cairns Penny
Citibank
Defence Bank
Fixed Rate 2 yrs
Residential Fixed 2 yrs
Fixed 2 yrs
Residential Fixed 2 yrs
Parent Fixed 2 yrs
Standard Fixed 2 yrs
Standard Fixed 2 yrs
Flexi Choice Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 12
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.09%
5.29%
5.04%
4.79%
5.10%
5.09%
4.89%
4.89%
4.89%
4.79%
4.79%
4.89%
4.79%
5.41%
5.31%
4.99%
4.99%
5.15%
5.49%
4.89%
5.05%
4.95%
500
275
410
930
1257
330
363
363
363
702.5
Nil
644
649
599
599
550
800
275
1323
300
1180
Nil
Nil
Nil
Nil
5.00/m
Nil
28.00/m
Nil
Nil
Nil
Nil
395/a
Nil
Nil
Nil
Nil
299.00/a
8.00/m
Nil
Nil
Nil
10.00/m
399/a






















P+I
Both
Both
P+I
P+I
Both
IO
IO
P+I
Both
P+I
P+I
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
85%
90%
90%
90%
95%
95%
95%
80%
80%
95%
95%
95%
95%
95%
95%
90%
90%
1000000
No Max
2000000
No Max
500000
1000000
No Max
2000000
2000000
1000000
No Max
No Max
2000000
1000000
1000000
1000000
No Max
1000000
1000000
No Max
No Max
No Max












































5.84%
475
10.00/m

Both
80%
2000000



Easy Street Fin Services
Easy Street Fixed 2 yrs
Greater Building Society
Standard Fixed 2 yrs
Homeloans
ProSmart Fixed 2 yrs
Hunter United Credit Un
Fixed 2 yrs
Latvian Aus Credit Co-op
Housing Loan Fixed 2 yrs
Liberty Financial
Liberty Fixed 2 yrs
Macquarie Bank
Basic Flyer Basic IO Fixed 2 yrs
Macquarie Bank
Basic IO Fixed 2 yrs
Macquarie Bank
Basic P&I Fixed 2 yrs
MyState
Residential Fixed 2 yrs 80%
QT Mutual Bank
Choices Residential Fixed 2 yrs 20k+
QT Mutual Bank
Residential Fixed 2 yrs
RESI Mortgage Corp
FlexiFix 80 2 yrs
RESIMAC Financial Services Alt Doc Fixed 2 yrs
RESIMAC Financial Services Quickstart Fixed 2 yrs
State Custodians
Standard Fixed 2 yrs
Summerland CU
Standard Fixed 2 yrs
The Capricornian
Fixed 2 yrs
The Mac
Standard Fixed 2 yrs
The Mutual
Premium Fixed 2 yrs
TIO Banking
Essentials Fixed 2 yrs
TIO Banking
Home Loan Package Essentials Fixed 2 y

Adelaide Bank
Smartdoc Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 13
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
990
1020
875
875
300
852.5
638
10.00/m
6.00/m
375/a
Nil
Nil
Nil
Nil
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR







Both
Both
P+I
P+I
Both
Both
P+I
95%
90%
95%
95%
95%
90%
80%
Maximum
Loan
100%
Offset
Available
Redraw
Facility















Bank of Sydney
Delphi Bank
First Option Credit Union
First Option Credit Union
Homeloans
HSBC
Quay Credit Union
Residential Fixed 2 yrs
Standard Fixed 2 yrs
Packaged Home Loan Residential Fixed 2
Residential Fixed 2 yrs
Ultra Fixed 2 yrs
2yr Fixed 2 yrs
Residential Fixed (Refinance only) 2 yrs
5.09%
5.68%
4.99%
5.24%
5.29%
4.79%
5.24%
No Max
5000000
1000000
1000000
2000000
7500000
1500000
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 14
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.13%
5.19%
4.99%
4.89%
5.15%
5.09%
5.09%
5.09%
5.09%
5.09%
4.99%
4.90%
5.10%
4.87%
5.14%
830
1095
Nil
795
795
595
Nil
Nil
876
595
Nil
Nil
750
800
600
330.00/a
Nil
Nil
Nil
Nil
Nil
350/a
Nil
Nil
Nil
Nil
375/a
8.00/m
5.00/m
Nil















Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
97%
97%
95%
95%
95%
97%
95%
95%
97%
97%
95%
95%
5000000
5000000
No Max
5000000
5000000
2500000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
3000000
No Max






























5.05%
4.99%
4.99%
5.09%
4.99%
4.89%
4.89%
5.05%
Nil
Nil
Nil
200
275
100
100
200
375/a
395/a
395/a
375/a
249/a
300/a
5.00/m
10.00/m








Both
Both
Both
Both
Both
P+I
P+I
Both
90%
95%
95%
95%
95%
95%
95%
95%
No Max
No Max
No Max
No Max
2000000
No Max
No Max
No Max
















 outstanding value
A M O Group
Residential Fixed 3 yrs
Austral Mortgage
Advantage Plus Fixed 3 yrs
Beyond Bank
Pinnacle +Plus Pkg Residential Fixed 3 y
CUA
Residential Fixed 3 yrs
CUA
Residential Premium Fixed 3 yrs
Mortgage HOUSE
Advantage Fixed 3 yrs 10-749k
Newcastle Permanent
Premium Plus Package Residential Fixed
Newcastle Permanent
Residential Fixed 3 yrs
Qld Police Credit Union
Residential Fixed 3 yrs
Queenslanders CU
Fixed Rate 3 yrs
Select Credit Union
Super Mortgage Fixed 3 yrs
SERVICE ONE Members BanPioneer Banking Residential Fixed 3 yrs 2
SERVICE ONE Members BanResidential Fixed 3 yrs
The Rock Building Soc
Residential Fixed 3 yrs 80%
Victoria Teachers Mutual BankOffset Fixed 3 yrs

ANZ
Bank of Melbourne
BankSA
Commonwealth Bank
Gateway Credit Union
Heritage Bank
Heritage Bank
HomeSide Lending
Breakfree Residential Fixed 3 yrs 150k+
Advantage Package Residential Fixed 3 y
Advantage Package Residential Fixed 3 y
Wealth Package Residential Fixed 3 yrs 1
Low Rate Plus Residential Fixed 3 yrs 15
Professional Package Residential Fixed 3
Residential Fixed 3 yrs
Homeplus Fixed Rate 3 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 15
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.05%
4.94%
4.94%
4.94%
4.94%
4.74%
5.05%
5.15%
5.15%
4.93%
4.99%
5.04%
5.09%
800
323.74
768.74
719
719
350
Nil
Nil
950
747
Nil
300
Nil
10/m
395/a
6.00/m
Nil
Nil
Nil
395/a
8.00/m
5.00/m
Nil
395/a
300/a
395/a













Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
No Max
No Max
No Max
2000000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max


























5.19%
4.84%
4.99%
4.99%
4.89%
5.20%
4.99%
4.99%
5.14%
5.04%
475
895
Nil
545
545
600
1263
1263
700
595
10.00/m
Nil
349/a
Nil
Nil
10.00/m
Nil
Nil
10.00/m
350/a










Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
95%
90%
90%
90%
90%
90%
95%
95%
95%
95%
No Max
No Max
2000000
2000000
No Max
No Max
5000000
5000000
1000000
No Max





















HomeSide Lending
Homeplus Package Homeplus Fixed Rate
IMB
Platinum Package Residential Fixed 3 yrs
IMB
Residential Fixed 3 yrs
ING DIRECT
Residential Fixed 3 yrs
ING DIRECT
SmartPack Residential Fixed 3 yrs 250k+
ME Bank
Super Member Fixed 3 yrs
nab
Choice Package Standard Fixed 3 yrs 15
nab
Standard Fixed 3 yrs
Queensland Country Credit UnFixed Rate 3 yrs
SCU
Residential Fixed 3 yrs
St.George Bank
Advantage Package Residential Fixed 3 y
Victoria Teachers Mutual BankRewards Package Offset Fixed 3 yrs
Westpac
Premier Advantage Fixed Options 3 yrs 1

Adelaide Bank
AMP Bank
AMP Bank
AMP Bank
AMP Bank
ANZ
Aussie
Aussie
Bank of Melbourne
bankmecu
Smartsuite Fixed ** 3 yrs
Affinity Package Residential Fixed 3 yrs 1
Professional Package Residential Fixed 3
Residential Fixed 3 yrs
Select Package Residential Fixed 3 yrs 10
Residential Fixed 3 yrs
Select Basic Fixed 3 yrs
Select Standard Fixed 3 yrs
Residential Fixed 3 yrs
Fixed Rate Package Residential Fixed 3 y
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 16
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
595
700
Nil
295
600
795
350
895
600
800
1113
1020
960
275
750
275
275
380
410
Nil
945
852.5
750
600
Nil
10.00/m
375/a
12.00/m
Nil
Nil
Nil
10.00/m
Nil
8.00/m
Nil
Nil
Nil
249/a
Nil
Nil
325/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































bankmecu
BankSA
BankVic
Bankwest
bcu
Beyond Bank
Big Sky Building Society
BOQ
Catalyst Money
Commonwealth Bank
Community First CU
ECU Australia
Encompass Credit Union
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Greater Building Society
Holiday Coast CU
Homeloans
Homestar Finance
Horizon Credit Union
HSBC
Hume Building Society
Illawarra CU NSW
Residential Fixed 3 yrs
Residential Fixed 3 yrs
Portfolio Fixed 3 yrs 250k+
Residential Fixed 3 yrs
Residential Fixed 3 yrs
Residential Fixed 3 yrs
Fixed Rate 3 yrs
Residential Fixed 3 yrs
Residential Fixed 3 yrs
Residential Fixed 3 yrs
True Fixed 3 yrs
Premium Fixed 3 yrs
Residential Fixed 3 yrs
Premium Residential Fixed 3 yrs 150k+
Residential Fixed 3 yrs
Great Rate Fixed 3 yrs
Ultimate Home Loan Package Standard F
Fixed N Easy 3 yrs
MoniPower Fixed 3 yrs
Advantage Fixed 3 yrs
Residential Fixed 3 yrs 95%
Residential Fixed 3 yrs
Residential Fixed 3 yrs
Residential Fixed 3 yrs
5.14%
5.14%
5.09%
5.14%
4.99%
5.14%
5.40%
4.99%
5.19%
5.24%
5.09%
4.89%
4.99%
4.94%
5.39%
5.54%
5.25%
5.14%
5.39%
5.10%
5.19%
5.09%
5.15%
5.19%
No Max
No Max
No Max
No Max
2500000
2000000
4700000
No Max
No Max
No Max
1000000
No Max
1000000
2000000
No Max
No Max
No Max
No Max
3500000
2000000
No Max
7500000
No Max
No Max
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 17
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Nil
363
363
702.5
Nil
Nil
Nil
Nil
Nil
Nil
Nil
150
900
600
870
649
649
649
649
599
500
700
Nil
600
Nil
398.00/a
398/a
Nil
395/a
750/a
750/a
8.00/m
Nil
Nil
Nil
375/a
8.00/m
Nil
20.00/m
Nil
330.00/a
Nil
Nil
Nil
Nil
10.00/m
375/a
10.00/m
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























Both
Both
Both
Both
IO
Both
IO
IO
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
80%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































iMortgage
Residential Fusion Fixed 80 3 yrs
Macquarie Bank
Offset Fixed 3 yrs
Macquarie Bank
Offset Flyer Offset Fixed 3 yrs 150k+
MyState
Residential Fixed 3 yrs 80%
nab
Choice Package Tailored Fixed IO 3 yrs 1
nab
Private Tailored Pkg Standard Fixed 3 yrs
nab
Private Tailored Pkg Tailored Fixed IO 3 y
nab
Tailored Fixed IO 3 yrs
Northern Beaches CU
Fixed Rate 3 yrs
Pacific Mortgage Group
Residential Fixed 3 yrs
People's Choice Credit Union Lite Fixed 3 yrs
People's Choice Credit Union Home Loan Package Residential Fixed 3
People's Choice Credit Union Residential Fixed 3 yrs
Qantas Credit Union
Fixed Rate 3 yrs
RAMS
Fixed Rate 3 yrs
RESI Mortgage Corp
FlexiFix 3 yrs
RESI Mortgage Corp
FlexiFix Plus 3 yrs
RESI Mortgage Corp
FlexiFix Plus 80 3 yrs
RESI Mortgage Corp
Smart Pro 3yr Fixed 3 yrs
RESIMAC Financial Services Standard Fixed 3 yrs
SGE Credit Union
Residential Fixed 3 yrs
St.George Bank
Residential Fixed 3 yrs
Suncorp Bank
Home Package Plus Residential Fixed 3 y
Suncorp Bank
Residential Fixed 3 yrs
4.97%
5.29%
5.29%
4.87%
5.15%
5.05%
5.15%
5.25%
5.09%
4.94%
5.24%
5.09%
5.24%
5.19%
4.99%
5.34%
5.24%
5.09%
5.13%
5.23%
5.24%
5.14%
4.98%
5.13%
2000000
2000000
No Max
1000000
No Max
No Max
No Max
No Max
No Max
2000000
1000000
No Max
No Max
No Max
No Max
2000000
2000000
2000000
2000000
1000000
2000000
No Max
No Max
No Max
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 18
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
4.49%
4.49%
5.30%
5.15%
5.15%
5.49%
4.88%
5.09%
5.14%
5.04%
5.29%
4.99%
5.09%
5.39%
5.09%
5.29%
5.29%
790
790
275
Nil
Nil
1323
Nil
650
600
300
600
750
750
725
250
363
363
Nil
Nil
Nil
385/a
385/a
Nil
Nil
Nil
Nil
300/a
8.00/m
395/a
10.00/m
Nil
249.00/a
Nil
198/a

















P+I
IO
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
5000000
5000000
1000000
2000000
750000
1000000
1000000
No Max
No Max
No Max
No Max
No Max
3500000
2000000
2000000
2000000
No Max


































5.29%
5.19%
5.07%
5.19%
5.14%
5.14%
250
100
275
300
728.8
945
Nil
Nil
Nil
Nil
8.00/m
Nil






Both
Both
P+I
Both
P+I
Both
95%
95%
75%
95%
90%
95%
No Max
2000000
2000000
3000000
No Max
1000000













Teachers Mutual Bank
Option Fixed 3 yrs
Teachers Mutual Bank
Standard Fixed IO 3 yrs
The Capricornian
Fixed 3 yrs
The Capricornian
My Advantage Fixed 3 yrs 50k+
The Capricornian
My First Home Loan Fixed 3 yrs 50k+
The Mac
Standard Fixed 3 yrs
UBank
UHomeLoan Fixed 3 yrs
Unicredit-WA
Residential Fixed 3 yrs
Victoria Teachers Mutual BankBasic Fixed 3 yrs
Victoria Teachers Mutual BankRewards Package Basic Fixed 3 yrs
Westpac
Fixed Options 3 yrs
Wide Bay Australia
Freedom Package Standard Fixed 3 yrs 1
Wide Bay Australia
Standard Fixed 3 yrs
Yellow Brick Road
Futureproof Fixed 3 yrs
Yellow Brick Road
Gold Pathway Fixed 3 yrs
Yellow Brick Road
Empower Fixed 3 yrs
Yellow Brick Road
Empower Package Empower Fixed 3 yrs

Arab Bank Australia
Residential Fixed 3 yrs
Aussie
Optimizer Fixed 3 yrs
Australian Unity Home Loans Residential Fixed 3 yrs
BankVic
Fixed 3 yrs
Bendigo Bank
Residential Fixed 3 yrs
Beyond Bank
Parent Fixed 3 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 19
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
682
250
649
400
500
275
410
363
363
363
Nil
1045
Nil
644
649
660
599
599
550
800
300
1180
Nil
15.00/q
350/a
8.00/m
Nil
Nil
Nil
Nil
Nil
Nil
Nil
8.00/m
Nil
395/a
Nil
Nil
Nil
Nil
Nil
299.00/a
8.00/m
Nil
10.00/m
399/a
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR























P+I
Both
Both
P+I
P+I
Both
Both
IO
IO
P+I
Both
Both
P+I
P+I
Both
Both
Both
P+I
Both
Both
Both
Both
Both
95%
90%
90%
95%
95%
95%
95%
90%
90%
90%
90%
95%
95%
95%
80%
95%
80%
95%
95%
95%
95%
90%
90%
Maximum
Loan
100%
Offset
Available
Redraw
Facility















































Cairns Penny
Standard Fixed 3 yrs
Citibank
Mortgage Plus Standard Fixed 3 yrs 150k
Citibank
Standard Fixed 3 yrs
Defence Bank
Flexi Choice Fixed 3 yrs
Easy Street Fin Services
Easy Street Fixed 3 yrs
Greater Building Society
Standard Fixed 3 yrs
Homeloans
ProSmart Fixed 3 yrs
Macquarie Bank
Basic Flyer Basic IO Fixed 3 yrs
Macquarie Bank
Basic IO Fixed 3 yrs
Macquarie Bank
Basic P&I Fixed 3 yrs
P&N Bank
Residential Fixed 3 yrs 80%
Police Bank
Home Loan Fixed 3 yrs
QT Mutual Bank
Choices Residential Fixed 3 yrs 20k+
QT Mutual Bank
Residential Fixed 3 yrs
RESI Mortgage Corp
FlexiFix 80 3 yrs
RESI Mortgage Corp
Smart Option Fixed Home Loan 3 yrs
RESIMAC Financial Services Alt Doc Fixed 3 yrs
RESIMAC Financial Services Quickstart Fixed 3 yrs
State Custodians
Standard Fixed 3 yrs
Summerland CU
Standard Fixed 3 yrs
The Mutual
Premium Fixed 3 yrs
TIO Banking
Essentials Fixed 3 yrs
TIO Banking
Home Loan Package Essentials Fixed 3 y
5.40%
4.99%
4.99%
5.23%
5.09%
5.54%
5.34%
5.29%
5.29%
5.29%
4.99%
5.29%
4.89%
4.99%
5.19%
5.34%
5.63%
5.53%
5.21%
5.15%
4.99%
5.30%
5.20%
1000000
4000000
4000000
1500000
1000000
No Max
2000000
No Max
2000000
2000000
No Max
No Max
No Max
No Max
2000000
2000000
1000000
1000000
1000000
No Max
No Max
No Max
No Max

your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 20
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
475
990
1020
875
875
300
1257
330
10.00/m
10.00/m
6.00/m
375/a
Nil
Nil
Nil
28.00/m
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR








Both
Both
Both
P+I
P+I
Both
P+I
Both
80%
95%
90%
95%
95%
95%
95%
85%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















Adelaide Bank
Bank of Sydney
Delphi Bank
First Option Credit Union
First Option Credit Union
Homeloans
Latvian Aus Credit Co-op
Liberty Financial
Smartdoc Fixed 3 yrs
Residential Fixed 3 yrs
Standard Fixed 3 yrs
Packaged Home Loan Residential Fixed 3
Residential Fixed 3 yrs
Ultra Fixed 3 yrs
Housing Loan Fixed 3 yrs
Liberty Fixed 3 yrs
6.19%
5.19%
5.98%
5.30%
5.55%
5.49%
5.40%
5.34%
2000000
No Max
5000000
1000000
1000000
2000000
500000
1000000
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 21
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.74%
5.59%
5.49%
5.50%
5.79%
5.49%
5.64%
5.69%
5.75%
5.99%
5.55%
1095
Nil
600
795
795
600
595
Nil
876
595
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
350/a
Nil
Nil
375/a











Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
97%
97%
95%
95%
95%
97%
95%
97%
5000000
No Max
No Max
5000000
5000000
No Max
2500000
No Max
No Max
No Max
No Max






















5.79%
5.69%
5.69%
5.90%
5.74%
5.69%
5.69%
5.79%
5.45%
5.59%
5.75%
5.69%
Nil
Nil
Nil
350
1020
768.74
Nil
Nil
870
747
750
Nil
375/a
395/a
395/a
Nil
Nil
395/a
395/a
8.00/m
20.00/m
Nil
8.00/m
395/a












Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
95%
No Max
No Max
No Max
4700000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
























 outstanding value
Austral Mortgage
Advantage Plus Fixed 5 yrs
Beyond Bank
Pinnacle +Plus Pkg Residential Fixed 5 y
Catalyst Money
Residential Fixed 5 yrs
CUA
Residential Fixed 5 yrs
CUA
Residential Premium Fixed 5 yrs
Illawarra CU NSW
Residential Fixed 5 yrs
Mortgage HOUSE
Advantage Fixed 5 yrs 10-749k
Newcastle Permanent
Premium Plus Package Residential Fixed
Qld Police Credit Union
Residential Fixed 5 yrs
Queenslanders CU
Fixed Rate 5 yrs
SERVICE ONE Members BanPioneer Banking Residential Fixed 5 yrs 2

ANZ
Breakfree Residential Fixed 5 yrs 150k+
Bank of Melbourne
Advantage Package Residential Fixed 5 y
BankSA
Advantage Package Residential Fixed 5 y
Big Sky Building Society
Fixed Rate 5 yrs
ECU Australia
Premium Fixed 5 yrs
IMB
Platinum Package Residential Fixed 5 yrs
nab
Choice Package Standard Fixed 5 yrs 15
nab
Standard Fixed 5 yrs
RAMS
Fixed Rate 5 yrs
SCU
Residential Fixed 5 yrs
SERVICE ONE Members BanResidential Fixed 5 yrs
St.George Bank
Advantage Package Residential Fixed 5 y
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 22
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.60%
5.74%
5.64%
5.79%
800
600
300
Nil
5.00/m
Nil
300/a
395/a




Both
Both
Both
Both
95%
95%
95%
95%
3000000
No Max
No Max
No Max








5.79%
5.74%
5.54%
5.69%
5.59%
5.94%
5.64%
5.64%
5.07%
5.84%
5.84%
5.74%
5.79%
5.49%
5.74%
5.74%
5.49%
5.84%
5.69%
830
475
895
545
545
600
1263
1263
275
700
700
Nil
295
600
945
795
895
800
200
330.00/a
10.00/m
Nil
Nil
Nil
10.00/m
Nil
Nil
Nil
10.00/m
10.00/m
375/a
12.00/m
Nil
Nil
Nil
10.00/m
8.00/m
375/a



















Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
90%
90%
90%
90%
95%
95%
75%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
5000000
No Max
No Max
2000000
No Max
No Max
5000000
5000000
2000000
1000000
No Max
No Max
No Max
2500000
1000000
2000000
No Max
No Max
No Max







































The Rock Building Soc
Residential Fixed 5 yrs 95%
Victoria Teachers Mutual BankOffset Fixed 5 yrs
Victoria Teachers Mutual BankRewards Package Offset Fixed 5 yrs
Westpac
Premier Advantage Fixed Options 5 yrs 1

A M O Group
Residential Fixed 5 yrs
Adelaide Bank
Smartsuite Fixed ** 5 yrs
AMP Bank
Affinity Package Residential Fixed 5 yrs 1
AMP Bank
Residential Fixed 5 yrs
AMP Bank
Select Package Residential Fixed 5 yrs 10
ANZ
Residential Fixed 5 yrs
Aussie
Select Basic Fixed 5 yrs
Aussie
Select Standard Fixed 5 yrs
Australian Unity Home Loans Residential Fixed 5 yrs
Bank of Melbourne
Residential Fixed 5 yrs
BankSA
Residential Fixed 5 yrs
BankVic
Portfolio Fixed 5 yrs 250k+
Bankwest
Residential Fixed 5 yrs
bcu
Residential Fixed 5 yrs
Beyond Bank
Parent Fixed 5 yrs
Beyond Bank
Residential Fixed 5 yrs
BOQ
Residential Fixed 5 yrs
Commonwealth Bank
Residential Fixed 5 yrs
Commonwealth Bank
Wealth Package Residential Fixed 5 yrs 1
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 23
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
960
275
275
100
100
380
410
200
800
Nil
750
768.74
719
719
363
350
Nil
Nil
Nil
Nil
Nil
150
900
599
Nil
Nil
325/a
300/a
5.00/m
Nil
Nil
10.00/m
10/m
Nil
Nil
6.00/m
Nil
Nil
398/a
Nil
395/a
750/a
750/a
8.00/m
Nil
375/a
8.00/m
Nil
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
























Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
IO
Both
IO
IO
P+I
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
Maximum
Loan
100%
Offset
Available
Redraw
Facility

















































Encompass Credit Union
Residential Fixed 5 yrs
Greater Building Society
Great Rate Fixed 5 yrs
Greater Building Society
Ultimate Home Loan Package Standard F
Heritage Bank
Professional Package Residential Fixed 5
Heritage Bank
Residential Fixed 5 yrs
Holiday Coast CU
Fixed N Easy 5 yrs
Homeloans
MoniPower Fixed 5 yrs
HomeSide Lending
Homeplus Fixed Rate 5 yrs
HomeSide Lending
Homeplus Package Homeplus Fixed Rate
Homestar Finance
Advantage Fixed 5 yrs
Hume Building Society
Residential Fixed 5 yrs
IMB
Residential Fixed 5 yrs
ING DIRECT
Residential Fixed 5 yrs
ING DIRECT
SmartPack Residential Fixed 5 yrs 250k+
Macquarie Bank
Offset Flyer Offset Fixed 5 yrs 150k+
ME Bank
Super Member Fixed 5 yrs
nab
Choice Package Tailored Fixed IO 5 yrs 1
nab
Private Tailored Pkg Standard Fixed 5 yrs
nab
Private Tailored Pkg Tailored Fixed IO 5 y
nab
Tailored Fixed IO 5 yrs
Pacific Mortgage Group
Residential Fixed 5 yrs
People's Choice Credit Union Home Loan Package Residential Fixed 5
People's Choice Credit Union Residential Fixed 5 yrs
RESIMAC Financial Services Standard Fixed 5 yrs
5.99%
6.04%
5.79%
5.59%
5.59%
5.79%
5.94%
5.69%
5.69%
5.65%
5.80%
5.79%
5.59%
5.59%
5.89%
5.79%
5.79%
5.69%
5.79%
5.89%
5.60%
5.64%
5.79%
5.76%
1000000
No Max
No Max
No Max
No Max
No Max
3500000
No Max
No Max
2000000
No Max
No Max
2000000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
2000000
No Max
No Max
1000000
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 24
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.84%
5.74%
5.65%
5.80%
5.56%
5.69%
5.74%
5.64%
5.99%
5.89%
5.89%
700
550
Nil
600
Nil
650
600
300
600
363
363
10.00/m
299.00/a
375/a
10.00/m
Nil
Nil
Nil
300/a
8.00/m
Nil
198/a











Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
No Max
1000000
No Max
No Max
1000000
No Max
No Max
No Max
No Max
2000000
No Max






















5.69%
5.79%
5.79%
5.84%
5.79%
5.59%
6.04%
6.09%
5.99%
5.74%
5.89%
5.89%
Nil
250
100
300
728.8
649
275
410
945
Nil
363
363
349/a
Nil
Nil
Nil
8.00/m
8.00/m
Nil
Nil
Nil
Nil
Nil
Nil












Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
IO
IO
90%
95%
95%
95%
90%
90%
95%
95%
95%
80%
90%
90%
2000000
No Max
2000000
3000000
No Max
4000000
No Max
2000000
No Max
2000000
No Max
2000000

























St.George Bank
Residential Fixed 5 yrs
State Custodians
Standard Fixed 5 yrs
Suncorp Bank
Home Package Plus Residential Fixed 5 y
Suncorp Bank
Residential Fixed 5 yrs
UBank
UHomeLoan Fixed 5 yrs
Unicredit-WA
Residential Fixed 5 yrs
Victoria Teachers Mutual BankBasic Fixed 5 yrs
Victoria Teachers Mutual BankRewards Package Basic Fixed 5 yrs
Westpac
Fixed Options 5 yrs
Yellow Brick Road
Empower Fixed 5 yrs
Yellow Brick Road
Empower Package Empower Fixed 5 yrs

AMP Bank
Arab Bank Australia
Aussie
BankVic
Bendigo Bank
Citibank
Greater Building Society
Homeloans
Horizon Credit Union
iMortgage
Macquarie Bank
Macquarie Bank
Professional Package Residential Fixed 5
Residential Fixed 5 yrs
Optimizer Fixed 5 yrs
Fixed 5 yrs
Residential Fixed 5 yrs
Standard Fixed 5 yrs
Standard Fixed 5 yrs
ProSmart Fixed 5 yrs
Residential Fixed 5 yrs 95%
Residential Fusion Fixed 80 5 yrs
Basic Flyer Basic IO Fixed 5 yrs
Basic IO Fixed 5 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 25
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Residential 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
Upfront
Ongoing
($)
($)
5.89%
5.89%
5.85%
6.04%
6.14%
6.16%
6.06%
5.89%
5.70%
5.78%
5.68%
363
363
702.5
660
649
599
599
500
800
1180
Nil
Nil
398.00/a
Nil
Nil
Nil
Nil
Nil
Nil
8.00/m
10.00/m
399/a











P+I
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
90%
90%
95%
95%
95%
80%
95%
95%
95%
90%
90%
2000000
2000000
1000000
2000000
2000000
1000000
1000000
2000000
No Max
No Max
No Max






















6.74%
6.54%
6.29%
5.69%
6.00%
475
1020
300
852.5
1045
10.00/m
6.00/m
Nil
Nil
Nil





Both
Both
Both
Both
Both
80%
90%
95%
90%
95%
2000000
5000000
2000000
7500000
No Max











Macquarie Bank
Basic P&I Fixed 5 yrs
Macquarie Bank
Offset Fixed 5 yrs
MyState
Residential Fixed 5 yrs 95%
RESI Mortgage Corp
Smart Option Fixed Home Loan 5 yrs
RESI Mortgage Corp
Smart Pro Fixed 5 yrs
RESIMAC Financial Services Alt Doc Fixed 5 yrs
RESIMAC Financial Services Quickstart Fixed 5 yrs
SGE Credit Union
Residential Fixed 5 yrs
Summerland CU
Standard Fixed 5 yrs
TIO Banking
Essentials Fixed 5 yrs
TIO Banking
Home Loan Package Essentials Fixed 5 y

Adelaide Bank
Delphi Bank
Homeloans
HSBC
Police Bank
Smartdoc Fixed 5 yrs
Standard Fixed 5 yrs
Ultra Fixed 5 yrs
Residential Fixed 5 yrs
Home Loan Fixed 5 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 26
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only
 outstanding value
ANZ
Breakfree Investment Variable 250-499k
Australian Unity Home Loans Inv Variable 50-499k
Bank of Melbourne
Advantage Package Investment Variabl
BankSA
Advantage Package Investment Variabl
BOQ
Inv Clear Path Variable Home Loan
Commonwealth Bank
Wealth Package Inv Standard Variable 2
HomeSide Lending
Homeplus Package Homeplus Investme
IMB
Investment Budget Loan
IMB
Investment Essentials
ING DIRECT
Inv Orange Advantage Variable 250-499
loans.com.au
Inv Dream Home Ln - Hot Summer Rate
Macquarie Bank
Offset Flyer Inv Standard Variable 150-4
nab
Choice Package Inv Tailored Variable 25
Newcastle Permanent
Premium Plus Package Investment Pre
Pacific Mortgage Group
Investment Variable
Qantas Credit Union
Inv Step Ahead Variable 250-499k
Qld Police Credit Union
Classic Plus Inv Classic Plus 250k+
Queenslanders CU
Interest Only 250k+
Ratebusters
Investment Ultimate
SERVICE ONE Members BanPioneer Banking Investment Standard V
St.George Bank
Advantage Package Investment Variabl
State Custodians
Inv Breathe Easy Offset
State Custodians
Inv Peak Performance Offset
State Custodians
Inv Standard Variable Offset
UBank
Inv UHomeLoan
Westpac
Premier Advantage Rocket Investment L
5.08%
4.93%
5.05%
5.05%
4.87%
5.10%
5%
4.88%
4.98%
4.88%
4.49%
4.94%
5.08%
4.87%
4.77%
5.03%
5.04%
5.00%
4.84%
5.15%
5.04%
4.84%
4.59%
4.69%
4.62%
5.08%
Nil
275
Nil
Nil
150
200
200
768.74
Nil
220
520
363
Nil
Nil
Nil
Nil
Nil
595
727.5
Nil
Nil
550
550
550
Nil
Nil
375/a
Nil
395/a
395/a
10.00/m
375/a
10/m
10.00/m
Nil
199.00/a
Nil
398/a
395/a
350/a
Nil
Nil
25/m
100.00/a
Nil
375/a
395/a
Nil
299.00/a
299.00/a
Nil
395/a


























Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
80%
90%
95%
95%
95%
95%
97%
95%
90%
97%
95%
95%
80%
95%
80%
95%
250000
50000
250000
250000
No min
250000
250000
75000
75000
50000
50000
150000
250000
250000
50000
150000
250000
No min
80000
200000
250000
100000
100000
100000
100000
250000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 1
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)

Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only
rising star
Complete Home Loan Package Inv Mor
4.94%
Nil
395/a

Both
95%
200000



A M O Group
Inv Basic Variable
AMP Bank
Affinity Package Investment Classic Var
AMP Bank
Professional Package Investment Class
AMP Bank
Professional Package Investment Intro
AMP Bank
Select Package Investment Classic Vari
ANZ
Investment Simplicity Plus
Australian Unity Home Loans Inv Professional Package 50-499k
bankmecu
Inv Premium 250-499k
bankmecu
Premium Package Inv Premium 250-49
Bankwest
Inv Online Home Loan
Bankwest
Investment Premium Select 200-499k 8
Citibank
Mortgage Plus Investment Offset Variab
CUA
Investment Discount Home Loan
CUA
Investment Rate Breaker
Firstmac
Inv Home Loan 80
Gateway Credit Union
Low Rate Plus Investment Variable 150
Gateway Credit Union
Premium Investment Variable 150k+
Greater Building Society
Ultimate Home Loan Package Inv Varia
Heritage Bank
Investment Discount Variable
Homestar Finance
Inv No Fee Offset
HSBC
Investment Home Value
IMB
Inv Introductory Variable 1 yr
IMB
Platinum Package Investment Standard
4.88%
5%
5%
5%
5%
5.18%
4.83%
5.14%
5.04%
4.88%
4.94%
4.87%
5.40%
4.91%
4.96%
5.05%
4.94%
4.94%
4.99%
5.00%
4.75%
4.66%
4.96%
830
895
Nil
Nil
895
600
275
595
595
Nil
Nil
250
795
195
520
Nil
Nil
275
100
Nil
Nil
768.75
323.74
330.00/a
Nil
349/a
349/a
Nil
Nil
330.00/a
Nil
350/a
Nil
Nil
350/a
Nil
350.00/a
Nil
249/a
249/a
325/a
Nil
Nil
Nil
10.00/m
395/a























Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
80%
90%
90%
90%
90%
90%
90%
95%
95%
80%
95%
80%
97%
95%
80%
95%
95%
95%
95%
90%
80%
95%
95%
200000
250000
250000
100000
250000
50000
50000
10000
250000
100000
200000
150000
250000
10000
50000
150000
150000
No min
150000
250000
100000
1000
250000





































































Bankwest

your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 2
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

iMortgage
Investment Essential
iMortgage
Investment Fusion ProPack Var 80
iMortgage
Investment Fusion Variable 80
ING DIRECT
SmartPack Inv Mortgage Simplifier 250Macquarie Bank
Basic Flyer Inv Basic IO Variable 150-49
Macquarie Bank
Inv Basic IO Variable 150-499k
Mortgage HOUSE
Inv Advantage Variable 10-749k
Mortgage HOUSE
Inv Vantage Offset Variable
nab
Inv Base Variable Rate Discount
nab
Private Tailored Pkg Inv Tailored Variabl
Newcastle Permanent
Investment Discounted Real Deal 3 yrs
Newcastle Permanent
Investment Real Deal
People's Choice Credit Union Investment Lite Basic Variable 30-499k
Qld Police Credit Union
Inv Classic
Ratebusters
Investment RateBusters 80
RESI Mortgage Corp
Inv Break Thru Variable
RESIMAC Financial Services Investment Home Loan
RESIMAC Financial Services Investment Horizon Loan
Select Credit Union
Super Investment Loan
Suncorp Bank
Home Package Plus Investment Variabl
The Rock Building Soc
Inv Rock Star Package Variable 80%
Yellow Brick Road
Inv Empower Variable 80%
Yellow Brick Road
Inv Gold Pathway Variable
4.69%
4.69%
4.79%
4.88%
4.94%
4.94%
5.16%
4.99%
5.23%
5.08%
4.90%
5.15%
4.99%
5.14%
5.03%
5.16%
5.04%
4.94%
5.29%
4.94%
4.93%
4.94%
5.14%
150
Nil
Nil
220
363
363
595
670
Nil
Nil
Nil
Nil
Nil
876
1130
689
599
599
Nil
Nil
Nil
363
250
Nil
330.00/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
750/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
345.00/a
Nil
375/a
350.00/a
Nil
249.00/a























Both
Both
Both
Both
IO
IO
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
80%
80%
95%
80%
80%
95%
95%
95%
95%
95%
95%
95%
97%
80%
80%
95%
95%
95%
95%
95%
95%
90%
50000
200000
200000
250000
150000
150000
10000
10000
20000
250000
50000
50000
30000
50000
80000
50000
50000
150000
25000
250000
100000
100000
250000





































































5.35%
730
Nil

Both
90%
20000




A M O Group
Investment Variable
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 3
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Adelaide Bank
Adelaide Bank
AMP Bank
AMP Bank
ANZ
Arab Bank Australia
Aussie
Aussie
Aussie
Aussie
Austral Mortgage
Bank of Melbourne
Bank of Melbourne
Bank of Sydney
bankmecu
bankmecu
BankSA
BankSA
BankVic
BankVic
BankVic
BankVic
BankVic
BankVic
BankVic
BankVic
Investment SmartSaver
Investment Smartfit Variable
Investment Essential Home Loan
Investment Basic Variable Loan
Investment Variable
Inv The Basics
Inv Optimizer Variable 100-499k
Inv Select Basic Variable 100-499k
Inv Select Standard Variable 100-499k
Inv Optimizer Plus Variable 100-499k
Investment Advantage Plus 50-499k
Inv Negotiated Basic Variable
Investment Basic Variable
Expect More Investment Variable 100-4
Fixed Rate Package Inv Basic Variable
Inv Basic Variable
Inv Basic Variable
Inv Negotiated Basic
Inv 12m discount variable 1 yr
Inv 24m discount variable 2 yrs
Diversified Investor Inv standard variabl
Inv standard variable
Investment offset
Portfolio Inv standard variable 250-749k
Premium Home Inv standard variable 25
Property Investor Inv standard variable
4.99%
5.09%
4.90%
5.20%
5.88%
5.39%
5.09%
4.95%
5.04%
5.09%
5.29%
4.98%
5.32%
5.20%
5.09%
5.09%
5.39%
4.98%
4.89%
4.89%
5.09%
5.49%
5.54%
5.09%
5.09%
5.09%
475
475
295
545
600
600
100
1363
1263
100
1095
600
600
Nil
595
595
600
600
Nil
Nil
Nil
300
300
Nil
Nil
Nil
Nil
10.00/m
Nil
Nil
5.00/m
8.00/m
Nil
Nil
15.00/m
198.00/a
Nil
Nil
Nil
395/a
350/a
Nil
Nil
Nil
Nil
Nil
375/a
Nil
Nil
375/a
375/a
375/a


























Both
Both
P+I
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
P+I
P+I
Both
Both
P+I
Both
Both
Both
90%
90%
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
10000
10000
40000
40000
20000
50000
100000
100000
100000
100000
50000
30000
30000
100000
10000
10000
30000
30000
120000
120000
250000
10000
20000
250000
250000
250000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 4
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Bankwest
Bankwest
bcu
bcu
Bendigo Bank
Bendigo Bank
Beyond Bank
Beyond Bank
Big Sky Building Society
Big Sky Building Society
BOQ
Catalyst Money
Catalyst Money
Circle Credit Co-op
Citibank
Citibank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Commonwealth Bank
Community First CU
Community First CU
Inv Premium Home Loan
Inv Rate Cutter Home Loan
Inv Maximum Discount Variable
Inv Discount Variable Rate
Home Loan Package Investment Variab
Home Loan Package Plus Investment V
Investment Basic Variable
Pinnacle +Plus Pkg Investment Variable
Inv Basic Choice
Inv Premium Choice 250k+
Investment Economy
Basic Home Loan Investment
Investment Premium 250-399k
Inv Smart Rate
Investment Basic Variable 80%
Mortgage Plus Investment Variable 150
Inv Economiser
Inv Economiser Intro Variable 3 yrs
Inv No Fee Variable Rate
Inv Rate Saver
Inv Rate Saver Intro Variable 3 yrs
Inv Discount Intro Variable 1 yr
Inv Standard Variable
Wealth Package Inv Discount Intro Varia
True Basic Home Loan Investment
Accelerator Home Loan Package Invest
5.29%
5.49%
5.08%
5.38%
5.51%
5.31%
5.09%
5.49%
5.35%
5.15%
5.43%
5.03%
5.15%
5.25%
5.02%
4.87%
5.44%
4.89%
5.20%
5.44%
4.89%
5.20%
5.90%
5.20%
5.26%
5.37%
355
755
600
600
728.8
728.8
795
Nil
350
Nil
995
600
Nil
275
649
250
800
800
Nil
800
800
800
800
200
1113
Nil
Nil
Nil
Nil
Nil
8/m
8/m
11.00/m
Nil
10.00/m
399.00/a
10.00/m
8.00/m
Nil
Nil
Nil
350/a
8.00/m
Nil
Nil
8.00/m
8.00/m
8.00/m
8.00/m
375/a
Nil
395/a


























Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
90%
80%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
20000
20000
50000
20000
5000
250000
100000
200000
10000
No min
No min
30000
250000
250000
50000
150000
10000
10000
150000
10000
10000
10000
10000
150000
50000
250000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 5
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

CUA
CUA
Easy Street Fin Services
ECU Australia
Encompass Credit Union
FCCS Credit Union
First Option Credit Union
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Greater Building Society
Heritage Bank
Heritage Bank
Heritage Bank
Holiday Coast CU
Holiday Coast CU
Holiday Coast CU
Homeloans
Homeloans
Homeloans
Homeloans
HomeSide Lending
Homestar Finance
Horizon Credit Union
Horizon Credit Union
Hume Building Society
Investment Basic Variable 250k+
Investment Intro Variable 1 yr
Investment Easystreet Basic Var
Premium Plus Investment Premium Var
Investment Mortgage Loan
Inv Property Accumulator
Packaged Home Loan Investment Mortg
Inv Low Rate Essentials
Investment Variable
Inv Great Rate Variable
Inv Variable
Investment Basic Variable
Investment Variable
Professional Package Investment Variab
Inv Keep It Simple Standard
Inv Live Life Platinum
Inv Live Life Standard
Inv Ultra Plus Variable 30-499k
Investment ProSmart
Investment Ultra 30-499k
Investment Monipower
Homeplus Investment Variable
Inv Advantage Variable
Investment Basic Home Loan
Platinum Loan Package Investment Cla
Investment Interest Saver
5.22%
5.02%
5.26%
5.30%
5.55%
5.29%
5.50%
5.18%
5.49%
5.14%
5.50%
5.28%
5.64%
5.23%
5.25%
5.85%
5.95%
4.94%
5.43%
5.09%
5.39%
5.91%
5.23%
5.39%
5.29%
5.20%
795
795
500
800
960
600
600
750
750
275
275
100
100
100
380
780
780
300
410
300
410
200
Nil
945
Nil
750
Nil
Nil
Nil
30/m
Nil
Nil
375/a
Nil
Nil
Nil
Nil
Nil
5.00/m
300/a
320.00/a
8.00/m
8.00/m
330.00/a
Nil
Nil
Nil
10.00/m
Nil
5.00/m
375/a
Nil


























Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
97%
97%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
10000
10000
50000
250000
1000
250000
150000
50000
20000
40000
40000
50000
20000
150000
50000
50000
50000
30000
50000
30000
20000
100000
250000
20000
150000
50000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 6
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Hume Building Society
Hunter United Credit Un
Hunter United Credit Un
Illawarra CU NSW
Illawarra CU NSW
IMB
ING DIRECT
Liberty Financial
Liberty Financial
Liberty Financial
Macquarie Credit Union
Macquarie Credit Union
Macquarie Credit Union
ME Bank
ME Bank
Mortgage HOUSE
nab
nab
Newcastle Permanent
Newcastle Permanent
Newcastle Permanent
Newcastle Permanent
Newcastle Permanent
Newcastle Permanent
Northern Beaches CU
P&N Bank
Investment Variable
Inv Basic Variable
Package Home Loan Investment Variab
Basic Home Loan Investment
Investment Premium 250-399k
Investment Standard Variable
Inv Mortgage Simplifier
Inv Liberty Sharp
Inv Liberty Free
Inv Liberty Star
Inv Low Rate Home Loan
Inv Introductory Rate Home Loan 1 yr
Inv Property Variable
Investment Var Supermember
Member Package Interest Only Investm
Inv Advantage Complete Variable
Inv Base Variable Rate
Inv Tailored Variable
Investment Intro Variable 1 yr
Investment Real Options
Premium Plus Package Investment Intro
Premium Plus Package Investment Rea
Premium Plus Package Investment Rea
Investment Premium Variable
Investment Introductory Home Loan 1 y
Inv Smooth Home Loan 80%
5.85%
5.24%
5.40%
5.03%
5.15%
5.66%
5.22%
5.09%
5.29%
5.09%
5.28%
5.03%
5.53%
5.38%
5.18%
5.36%
5.67%
5.88%
4.85%
5.55%
4.85%
5.15%
5.55%
5.77%
4.55%
5.19%
750
930
Nil
600
Nil
768.74
220
330
Nil
330
720
750
750
350
Nil
645
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
640
650
Nil
5.00/m
295/a
8.00/m
Nil
Nil
Nil
Nil
Nil
28.00/m
Nil
Nil
Nil
Nil
395/a
Nil
Nil
8.00/m
Nil
Nil
350/a
350/a
350/a
Nil
Nil
Nil


























Both
P+I
P+I
P+I
P+I
Both
Both
Both
Both
Both
P+I
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
95%
80%
95%
95%
95%
95%
95%
95%
85%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
No min
No min
100000
30000
250000
10000
50000
100000
50000
50000
150000
150000
10000
40000
40000
10000
20000
20000
No min
No min
No min
50000
No min
No min
30000
50000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 7
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

People's Choice Credit Union Investment Basic Variable
People's Choice Credit Union Home Loan Package Investment Standa
Qantas Credit Union
Inv Options Variable IO
Qantas Credit Union
Inv Variable Rate
Qld Police Credit Union
Inv Standard Variable
Qld Professional CU
Inv Friendly
QT Mutual Bank
Choices Investment Mortgage Breaker 2
QT Mutual Bank
Smart Starter Extra Investment Mortgag
QT Mutual Bank
Teachers' Life Investment Mortgage Bre
Quay Credit Union
Invest Basic Var (Refinance only)
Quay Credit Union
Investment Premium (Refinance only)
Queenslanders CU
Inv Original Home Loan
RAMS
Inv Full Feature
RAMS
Investor Home Loan
RESI Mortgage Corp
Inv Smart Pro 80
RESI Mortgage Corp
Inv Smart Pro Plus 80
RESI Mortgage Corp
Invest Smart Option Home Loan
RESI Mortgage Corp
Investment Flexi Options
RESIMAC Financial Services Investment Alt Doc Loan
SCU
Investment Basic Home Loan
SCU
Inv Standard Variable
SERVICE ONE Members BanInvestment Standard Variable
SGE Credit Union
Solutions Home Loan Package Investm
St.George Bank
Inv Negotiated Basic Variable
St.George Bank
Investment Basic Variable
Suncorp Bank
Investment Back To Basics
5.29%
5.27%
5.33%
5.33%
5.64%
5.30%
5.22%
5.22%
5.22%
4.99%
5.24%
5.23%
5.85%
5.10%
5.11%
5.01%
5.34%
5.29%
5.64%
5.26%
5.77%
5.75%
5.21%
4.98%
5.41%
5.41%
900
Nil
600
600
876
855
Nil
600
Nil
638
638
595
870
870
649
649
660
854
599
747
747
750
Nil
600
600
600
8.00/m
375/a
Nil
Nil
Nil
10.00/m
395/a
Nil
25/m
Nil
Nil
Nil
Nil
20.00/m
Nil
330.00/a
Nil
Nil
Nil
Nil
Nil
8.00/m
350/a
Nil
Nil
Nil


























Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
IO
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
97%
90%
95%
95%
95%
80%
80%
95%
95%
95%
80%
80%
95%
95%
80%
95%
95%
97%
95%
95%
95%
95%
50000
250000
No min
No min
50000
No min
250000
250000
250000
100000
100000
50000
15000
15000
30000
30000
50000
10000
50000
25000
25000
No min
No min
30000
30000
10000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 8
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Teachers Mutual Bank
Inv Solutions Plus Home Loan
Teachers Mutual Bank
Rewards Package Inv Solutions Plus Ho
The Capricornian
My Advantage Inv Variable 50k+
The Capricornian
My First Home Loan Inv Variable 50k+
The Mac
Inv Basic Variable
The Mac
Property Investment Loan
The Mutual
Inv Mutual
The Shire Credit Union
Investment Home Basic
The Shire Credit Union
Investment Home Plus
TIO Banking
Home Loan Package Investment Essen
Unicredit-WA
Investment Variable
Victoria Teachers Mutual BankInterest Only Investment Variable
Victoria Teachers Mutual BankInv Basic Variable
Victoria Teachers Mutual BankRewards Package Inv Basic Variable
Victoria Teachers Mutual BankInv Offset Variable
Victoria Teachers Mutual BankRewards Package Inv Offset Variable
Westpac
Investment Flexi First Option
Wide Bay Australia
Freedom Package Investment Standard
Yellow Brick Road
Investment Better Basics
Yellow Brick Road
Inv Homebase
5.07%
5.07%
5.52%
5.12%
4.99%
5.74%
5.23%
5.22%
5.37%
5.31%
5.25%
5.44%
5.14%
5.04%
5.64%
5.54%
5.33%
5.10%
5.18%
5.49%
790
790
Nil
Nil
1130
1323
300
1055
1055
Nil
650
600
600
300
600
300
150
545
725
725
200.00/a
200/a
385/a
385/a
Nil
Nil
Nil
Nil
Nil
399/a
Nil
Nil
Nil
300/a
Nil
300/a
Nil
395/a
Nil
Nil




















Both
Both
Both
Both
Both
Both
Both
P+I
P+I
P+I
Both
IO
P+I
P+I
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
90%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
90%
90%
250000
250000
50000
50000
150000
No min
50000
250000
150000
250000
5000
No min
No min
No min
No min
No min
25000
250000
50000
20000




























































5.59%
5.59%
6.00%
5.00%
934
934
895
295
Nil
Nil
10.00/m
10.00/m




IO
Both
Both
Both
95%
95%
90%
90%
30000
30000
40000
40000













ADCU
ADCU
AMP Bank
AMP Bank
Interest Only Loan
Investment Home Loan
Investment Classic Variable
Investment Intro 1yr Variable 1 yr
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 9
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Arab Bank Australia
Bank of Melbourne
Bank of Melbourne
BankSA
BankSA
Bankwest
bcu
Bendigo Bank
Beyond Bank
Beyond Bank
Big Sky Building Society
BOQ
Cairns Penny
Catalyst Money
Circle Credit Co-op
Coastline Credit Union
Community First CU
Defence Bank
Delphi Bank
Delphi Bank
ECU Australia
FCCS Credit Union
FCCS Credit Union
First Option Credit Union
Horizon Credit Union
HSBC
Inv HeadStart Intro Variable 1 yr
Investment Discount Variable 1 yr
Investment Variable
Inv Discount Variable 1 yr
Investment Variable
Inv Mortgage Shredder
Inv Standard Variable
Investment Variable
Investment Parent Variable
Investment Variable
Inv Standard Choice
Investment Standard Variable
Inv Standard Variable
Investment Variable
Inv Standard Variable
Investment Options Home Loan
Investment True Value Var Hl
Flexi Saver Interest Only
Investment Complete
Investment Essential
Investment Premium Variable
Investment Rewards
Investment Value Plus Variable
Investment Mortgage Secured
Investment Classic Home Loan
Investment Home Smart
4.79%
5.20%
5.90%
5.27%
5.97%
5.89%
5.78%
6.01%
5.79%
5.79%
5.85%
6.01%
5.50%
5.70%
5.75%
5.54%
5.87%
5.19%
5.90%
5.90%
5.80%
5.74%
6.14%
5.85%
5.79%
5.95%
600
700
700
700
700
755
600
728.8
795
795
350
895
682
600
1075
805
1113
1070
770
1020
1020
750
750
875
845
852.5
8.00/m
10.00/m
10.00/m
10.00/m
10.00/m
Nil
Nil
8.00/m
Nil
Nil
Nil
10.00/m
15.00/q
8.00/m
Nil
8.00/m
Nil
Nil
6.00/m
8.00/m
Nil
Nil
8.00/m
Nil
Nil
Nil


























P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
P+I
Both
IO
Both
Both
Both
Both
Both
Both
Both
P+I
95%
95%
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
90%
95%
90%
90%
90%
95%
95%
95%
95%
95%
90%
50000
50000
10000
50000
10000
20000
10000
5000
10000
10000
10000
No min
20000
30000
50000
100000
10000
50000
No min
30000
No min
30000
30000
5000
No min
50000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 10
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

HSBC
Investment Variable
Hunter United Credit Un
Inv Interest Only
Hunter United Credit Un
Investment Variable
Illawarra CU NSW
Investment Variable
Intech Credit Union
Investment Loan
Macquarie Bank
Inv Standard Variable
ME Bank
Interest Only Investment Variable
ME Bank
Investment Standard Variable
ME Bank
Investment Ultimate Supermember
MyState
Investment Essentials
MyState
Residential Investment
Northern Beaches CU
Investment Minimiser Home Loan
Northern Beaches CU
Investment All in One
People's Choice Credit Union Investment Standard Variable
Police Bank
Investment Variable
QT Mutual Bank
Investment Rate Tracker HL Series 3 80
QT Mutual Bank
Investment Mortgage Breaker
Queensland Country Credit UnUltimate Home Loan Investment Variabl
RESI Mortgage Corp
Inv Low Start 1 yr
RESI Mortgage Corp
Inv Complete Home Loan
SGE Credit Union
Investment Mortgage Secured Ln
St.George Bank
Investment Discount Variable 1 yr
St.George Bank
Investment Variable
Summerland CU
Inv Premium
Summerland CU
Investment Eco Mortgage Loan
Suncorp Bank
Investment Variable
5.95%
5.20%
5.70%
5.70%
5.68%
5.95%
5.38%
5.38%
5.68%
5.52%
5.89%
5.34%
5.84%
5.87%
5.64%
5.40%
5.82%
5.29%
4.72%
5.72%
5.87%
5.29%
5.99%
5.29%
5.64%
5.99%
852.5
880
930
600
400
363
350
350
350
702.5
702.5
915
915
900
1045
644
644
Nil
1199
649
500
700
700
380
600
600
Nil
Nil
5.00/m
8.00/m
Nil
398.00/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
330/a
Nil
Nil
Nil
10.00/m
10.00/m
380.00/a
8.00/m
10.00/m


























Both
IO
P+I
P+I
IO
Both
Both
Both
P+I
Both
Both
P+I
P+I
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
90%
90%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
90%
95%
95%
90%
95%
95%
95%
95%
95%
95%
80%
95%
50000
No min
No min
30000
30000
150000
40000
40000
50000
150000
30000
100000
30000
20000
30000
150000
20000
150000
30000
30000
No min
50000
10000
250000
20000
10000














































































your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 11
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Variable Rate Investment Home Loans
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
($)
Split
Ongoing Facility
($)
Principal+
100%
Interest/ Maximum Minimum
Redraw Portability
Offset
LVR
Loan
Interest
Available Facility
Only

Teachers Mutual Bank
Inv Flexi Choice
Teachers Mutual Bank
Inv Variable IO
The Capricornian
Inv Variable
The Mutual
Inv Premium Variable
The Mutual
Inv Intro Plus 3 yrs
Transport Mutual Credit UnionInvestment Basic Variable
Westpac
Rocket Investment Loan
Wide Bay Australia
Investment Standard Variable
5.73%
5.73%
6.02%
5.58%
5.03%
5.56%
5.98%
5.93%
790
790
275
300
500
1010
750
750
Nil
Nil
Nil
Nil
Nil
Nil
8.00/m
10.00/m








P+I
IO
Both
Both
P+I
P+I
Both
Both
95%
95%
95%
95%
90%
95%
95%
95%
25000
25000
10000
20000
150000
100000
10000
10000
























6.19%
5.98%
6.38%
6.19%
6.19%
5.84%
6.49%
5.90%
6.15%
5.79%
6.29%
5.89%
6.19%
5.98%
5.91%
5.81%
475
100
990
649
649
805
845
1257
855
950
800
800
800
1055
1180
1010
10.00/m
Nil
10.00/m
8.00/m
8.00/m
Nil
Nil
Nil
Nil
5.00/m
10.00/m
8.00/m
5.00/m
8.00/a
10.00/m
Nil
















Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
P+I
P+I
P+I
80%
95%
95%
90%
90%
90%
95%
90%
90%
90%
80%
95%
95%
95%
90%
95%
10000
100000
No min
50000
50000
15000
10000
10000
No min
10000
20000
20000
50000
20000
10000
10000

















































Adelaide Bank
Investment Smartdoc Variable
Aussie
Inv Optimizer Standard Variable
Bank of Sydney
Investment Variable
Citibank
Investment Variable
Citibank
Investment Offset Variable
Coastline Credit Union
Investment Variable
Horizon Credit Union
Investment Real Estate
Latvian Aus Credit Co-op
Mortgage Loan Variable
Qld Professional CU
Inv Variable
Queensland Country Credit UnInvestment Variable Rate
Summerland CU
Investment Equity Extra
Summerland CU
Investment Mortgage Investment
The Rock Building Soc
Investment Variable
The Shire Credit Union
Investment Home In One
TIO Banking
Investment Essentials Variable
Transport Mutual Credit UnionInvestment Variable
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 12
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
 outstanding value
ANZ
Breakfree Investment 1yr Fixed 1 yr 150k
Austral Mortgage
Investment Advantage Plus Fixed 1 yr
Beyond Bank
Pinnacle +Plus Pkg Investment Fixed 1 y
Heritage Bank
Investment Fixed 1 yr
Heritage Bank
Professional Package Investment Fixed 1
Holiday Coast CU
Inv Fixed N Easy 1 yr
IMB
Investment Fixed 1 yr
IMB
Platinum Package Investment Fixed 1 yr
Mortgage HOUSE
Inv Advantage Fixed 1 yr 10-749k
nab
Inv Standard Fixed 1 yr
Newcastle Permanent
Investment Fixed 1 yr
Newcastle Permanent
Premium Plus Package Investment Fixed
SERVICE ONE Members BanPioneer Banking Investment Fixed 1 yr 20
4.79%
4.69%
4.74%
4.49%
4.49%
4.49%
3.99%
3.99%
4.59%
4.89%
4.69%
4.69%
4.65%
Nil
1095
Nil
100
100
380
768.74
323.74
595
Nil
Nil
Nil
Nil
375/a
Nil
Nil
5.00/m
300/a
Nil
6.00/m
395/a
Nil
8.00/m
Nil
350/a
375/a













Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
No Max
5000000
No Max
No Max
No Max
No Max
No Max
No Max
2500000
No Max
No Max
No Max
No Max


























4.59%
4.69%
4.94%
4.79%
4.79%
4.69%
4.74%
4.69%
5.09%
4.65%
830
475
600
Nil
Nil
600
Nil
Nil
275
275
330.00/a
10.00/m
10.00/m
395/a
395/a
8.00/m
249/a
249/a
Nil
325/a










Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
5000000
No Max
No Max
No Max
No Max
No Max
2000000
2000000
No Max
No Max





















A M O Group
Adelaide Bank
ANZ
Bank of Melbourne
BankSA
Catalyst Money
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Greater Building Society
Investment Fixed 1 yr
Investment Smartsuite Fixed 1 yr
Investment 1yr Fixed 1 yr
Advantage Package Investment Fixed 1 y
Advantage Package Investment Fixed 1 y
Investment Fixed 1 yr
Low Rate Plus Investment Fixed 1 yr 150
Premium Investment Fixed 1 yr 150k+
Inv Great Rate Fixed 1 yr
Ultimate Home Loan Package Inv Standa
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 1
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Illawarra CU NSW
Investment Fixed 1 yr
ING DIRECT
Investment Fixed 1 yr
ING DIRECT
SmartPack Investment Fixed 1 yr 250k+
nab
Choice Package Inv Standard Fixed 1 yr
Qld Police Credit Union
Investment Fixed 1 yr
Queenslanders CU
Inv Fixed Rate 1 yr
SERVICE ONE Members BanInvestment Fixed 1 yr
St.George Bank
Advantage Package Investment Fixed 1 y
The Rock Building Soc
Investment Standard Fixed 1 yr 80%
UBank
Inv UHomeLoan Fixed 1 yr
Westpac
Premier Advantage Investment Fixed 1 yr
4.69%
4.69%
4.69%
4.79%
4.89%
4.90%
4.85%
4.79%
4.77%
4.38%
4.79%
600
719
719
Nil
876
595
750
Nil
800
Nil
Nil
8.00/m
Nil
Nil
395/a
Nil
Nil
8.00/m
395/a
5.00/m
Nil
395/a











Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
97%
95%
97%
95%
95%
80%
95%
No Max
2000000
No Max
No Max
No Max
No Max
No Max
No Max
3000000
1000000
No Max






















4.64%
4.79%
4.79%
4.69%
4.69%
4.74%
4.74%
4.79%
4.94%
4.89%
4.94%
4.79%
895
895
Nil
895
250
1263
1263
275
700
595
700
Nil
Nil
10.00/m
349/a
Nil
Nil
Nil
Nil
Nil
10.00/m
Nil
10.00/m
375/a












Both
Both
Both
Both
Both
Both
Both
P+I
Both
P+I
Both
Both
90%
90%
90%
90%
95%
95%
95%
90%
95%
95%
95%
95%
No Max
2000000
2500000
No Max
No Max
5000000
5000000
2000000
No Max
No Max
No Max
No Max

























AMP Bank
Affinity Package Investment Fixed 1 yr 10
AMP Bank
Investment Fixed 1 yr
AMP Bank
Professional Package Investment Fixed 1
AMP Bank
Select Package Investment Fixed 1 yr 10
Arab Bank Australia
Investment Fixed 1 yr
Aussie
Inv Select Basic Fixed 1 yr
Aussie
Inv Select Standard Fixed 1 yr
Australian Unity Home Loans Investment Fixed 1 yr
Bank of Melbourne
Investment Fixed 1 yr
bankmecu
Inv Fixed 1 yr
BankSA
Investment Fixed 1 yr
BankVic
Portfolio Inv fixed 1 yr 250k+
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 2
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
IO
IO
Both
Both
Both
Both
IO
IO
P+I
Both
Both
95%
95%
95%
95%
95%
95%
97%
97%
95%
95%
95%
95%
95%
90%
90%
95%
95%
95%
80%
90%
90%
90%
90%
90%
No Max
2000000
4700000
No Max
No Max
No Max
5000000
5000000
No Max
1000000
No Max
No Max
3500000
No Max
No Max
2000000
No Max
No Max
2000000
No Max
2000000
2000000
2000000
No Max

















































BankVic
Beyond Bank
Big Sky Building Society
BOQ
Commonwealth Bank
Commonwealth Bank
CUA
CUA
ECU Australia
Encompass Credit Union
Gateway Credit Union
Greater Building Society
Homeloans
HomeSide Lending
HomeSide Lending
Homestar Finance
Horizon Credit Union
Hume Building Society
iMortgage
Macquarie Bank
Macquarie Bank
Macquarie Bank
Macquarie Bank
Macquarie Bank
Property Investor Inv fixed 1 yr 100k+
Investment Fixed 1 yr
Inv Fixed Rate 1 yr
Investment 1yr Fixed 1 yr
Investment Fixed 1 yr
Wealth Package Investment Fixed 1 yr 15
Investment Fixed 1 yr
Investment Premium Fixed 1 yr
Investment Premium Fixed 1 yr
Investment Fixed 1 yr
Investment Fixed 1 yr
Inv Standard Fixed 1 yr
Investment MoniPower Fixed 1 yr
Homeplus Package Inv Fixed Rate Intere
Inv Fixed Rate Interest Only 1 yr
Inv Advantage Fixed 1 yr
Investment Fixed 1 yr 80%
Investment Fixed 1 yr
Investment Fusion Fixed 80 1 yr
Basic Flyer Inv Basic IO Fixed 1 yr
Inv Basic IO Fixed 1 yr
Inv Basic P&I Fixed 1 yr
Inv Offset Fixed 1 yr
Offset Flyer Inv Offset Fixed 1 yr 150k+
4.79%
4.89%
4.95%
4.75%
4.94%
4.79%
4.89%
5.14%
4.99%
4.79%
4.89%
5.09%
4.89%
4.79%
4.79%
4.75%
3.99%
4.85%
4.57%
4.79%
4.79%
4.79%
4.79%
4.79%
Nil
795
350
895
800
200
795
795
1020
960
750
275
410
800
200
Nil
945
750
Nil
363
363
363
363
363
375/a
Nil
Nil
10.00/m
8.00/m
375/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
10/m
10.00/m
Nil
Nil
Nil
Nil
Nil
Nil
Nil
398.00/a
398/a
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 3
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
Both
IO
IO
Both
IO
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
80%
95%
95%
95%
95%
95%
95%
95%
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
1000000
No Max
No Max
No Max
No Max
2000000
2000000
2000000
2000000
2000000
1000000
No Max
2000000
No Max
No Max
5000000

















































ME Bank
Investment Standard Fixed 1 yr
ME Bank
Investment SuperMember Fixed 1 yr
nab
Choice Package Inv Tailored Fixed IO 1 y
nab
Inv Tailored Fixed IO 1 yr
nab
Private Tailored Pkg Inv Standard Fixed 1
nab
Private Tailored Pkg Inv Tailored Fixed IO
People's Choice Credit Union Home Loan Package Investment Fixed 1
People's Choice Credit Union Investment Fixed 1 yr
People's Choice Credit Union Investment Lite Fixed 1 yr
Qantas Credit Union
Inv Fixed Rate 1 yr
Queensland Country Credit UnInvestment Fixed Rate 1 yr
Queensland Country Credit UnUltimate Home Loan Investment Fixed Ra
RAMS
Inv Fixed Rate 1 yr
RESI Mortgage Corp
Inv FlexiFix 1 yr
RESI Mortgage Corp
Inv FlexiFix 80 1 yr
RESI Mortgage Corp
Inv FlexiFix Plus 1 yr
RESI Mortgage Corp
Inv FlexiFix Plus 80 1 yr
RESI Mortgage Corp
Inv Smart Pro Fixed 1 yr
RESIMAC Financial Services Investment Standard Fixed 1 yr
SCU
Investment Standard Fixed 1 yr
SGE Credit Union
Investment Standard Fixed 1 yr
St.George Bank
Investment Fixed 1 yr
Suncorp Bank
Home Package Plus Investment Fixed 1 y
Teachers Mutual Bank
Inv Option Fixed 1 yr
4.94%
4.94%
4.89%
4.99%
4.79%
4.89%
4.89%
5.04%
4.74%
4.99%
4.89%
4.89%
4.75%
4.84%
4.69%
4.74%
4.59%
4.89%
4.88%
4.75%
4.79%
4.94%
4.78%
4.84%
350
350
Nil
Nil
Nil
Nil
150
900
Nil
600
950
Nil
870
649
649
649
649
649
599
747
500
700
Nil
790
Nil
Nil
395/a
8.00/m
750/a
750/a
375/a
8.00/m
Nil
Nil
5.00/m
330/a
20.00/m
Nil
Nil
330.00/a
Nil
Nil
Nil
Nil
Nil
10.00/m
375/a
Nil
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 4
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Unicredit-WA
Investment Fixed 1 yr
Victoria Teachers Mutual BankInterest Only Investment Fixed 1 yr
Victoria Teachers Mutual BankInv Basic Fixed 1 yr
Victoria Teachers Mutual BankRewards Package Inv Basic Fixed 1 yr
Victoria Teachers Mutual BankInv Offset Fixed 1 yr
Victoria Teachers Mutual BankRewards Package Inv Offset Fixed 1 yr
Westpac
Investment Fixed 1 yr
Wide Bay Australia
Freedom Package Investment Standard F
Wide Bay Australia
Investment Standard Fixed 1 yr
Yellow Brick Road
Inv Futureproof Fixed 1 yr
Yellow Brick Road
Inv Gold Pathway Fixed 1 yr
Yellow Brick Road
Empower Package Inv Empower Fixed 1
Yellow Brick Road
Inv Empower Fixed 1 yr
4.89%
4.84%
4.84%
4.74%
4.84%
4.74%
4.99%
4.48%
4.85%
4.89%
4.89%
4.79%
4.79%
650
600
600
300
600
300
600
545
750
725
250
363
363
Nil
Nil
Nil
300/a
Nil
300/a
8.00/m
395/a
10.00/m
Nil
249.00/a
198/a
Nil













Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
90%
95%
95%
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
3500000
2000000
2000000
No Max
2000000


























4.79%
4.99%
4.79%
4.89%
5.09%
4.84%
4.99%
4.89%
4.99%
4.74%
700
990
595
300
295
600
728.8
945
682
649
Nil
10.00/m
350/a
Nil
12.00/m
Nil
8.00/m
Nil
15.00/q
8.00/m










Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
90%
95%
90%
95%
95%
90%
2000000
No Max
No Max
3000000
No Max
2500000
No Max
1000000
1000000
4000000





















Aussie
Bank of Sydney
bankmecu
BankVic
Bankwest
bcu
Bendigo Bank
Beyond Bank
Cairns Penny
Citibank
Inv Optimizer Fixed 1 yr
Investment Fixed 1 yr
Fixed Rate Package Inv Fixed 1 yr 10k+
Inv fixed 1 yr
Investment Fixed 1 yr
Investment Fixed 1 yr
Investment Fixed 1 yr
Investment Parent Fixed 1 yr
Inv Standard Fixed 1 yr
Investment Standard Fixed 1 yr
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 5
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Coastline Credit Union
Investment Fixed 1 yr
Community First CU
Investment True Fixed 1 yr
First Option Credit Union
Investment Standard Fixed 1 yr
First Option Credit Union
Packaged Home Loan Investment Standa
Homeloans
Investment ProSmart Fixed 1 yr
HSBC
Investment Fixed 1 yr
MyState
Investment Fixed 1 yr 80%
QT Mutual Bank
Choices Investment Fixed 1 yr 20k+
QT Mutual Bank
Investment Fixed 1 yr
RESI Mortgage Corp
Invest Smart Option Fixed Home Loan 1 y
RESIMAC Financial Services Investment Alt Doc Fixed 1 yr
State Custodians
Inv Standard Fixed 1 yr
Summerland CU
Investment Standard Fixed 1 yr
Suncorp Bank
Investment Fixed 1 yr
Teachers Mutual Bank
Inv Standard Fixed IO 1 yr
The Mac
Investment Standard Fixed 1 yr
The Mutual
Inv Premium Fixed 1 yr
TIO Banking
Home Loan Package Investment Essentia
4.89%
5.09%
5.00%
4.75%
5.09%
4.49%
4.77%
4.79%
4.89%
5.04%
5.28%
4.86%
4.80%
4.93%
4.84%
5.24%
4.79%
4.75%
805
1113
875
875
410
852.5
702.5
Nil
644
660
599
550
800
600
790
1323
300
Nil
Nil
Nil
Nil
375/a
Nil
Nil
Nil
395/a
Nil
Nil
Nil
299.00/a
8.00/m
10.00/m
Nil
Nil
Nil
399/a


















P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
IO
Both
Both
Both
90%
95%
95%
95%
95%
90%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
90%
No Max
1000000
1000000
1000000
2000000
7500000
1000000
No Max
No Max
2000000
1000000
1000000
No Max
No Max
5000000
1000000
No Max
No Max




































5.69%
5.44%
5.04%
4.94%
5.84%
475
1020
300
330
915
10.00/m
6.00/m
Nil
28.00/m
Nil





Both
Both
Both
Both
IO
80%
90%
95%
85%
95%
2000000
5000000
2000000
1000000
No Max











Adelaide Bank
Delphi Bank
Homeloans
Liberty Financial
Northern Beaches CU
Investment Smartdoc Fixed 1 yr
Investment Standard Fixed 1 yr
Investment Ultra Fixed 1 yr
Inv Liberty Fixed 1 yr
Investment Interest Only Fixed 1 yr
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 6
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 1 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility



P+I
Both
P+I
80%
90%
95%
1500000
No Max
832406







Quay Credit Union
Investment Fixed (Refinance only) 1 yr
TIO Banking
Investment Essentials Fixed 1 yr
Transport Mutual Credit UnionInvestment Fixed 1 yr
4.99%
4.85%
5.79%
638
1180
1010
Nil
10.00/m
Nil
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 7
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
 outstanding value
ANZ
Breakfree Investment Fixed 2 yrs 150k+
Austral Mortgage
Investment Advantage Plus Fixed 2 yrs
Bank of Melbourne
Advantage Package Investment Fixed 2 y
BankSA
Advantage Package Investment Fixed 2 y
Beyond Bank
Pinnacle +Plus Pkg Investment Fixed 2 y
Heritage Bank
Investment Fixed 2 yrs
ING DIRECT
Investment Fixed 2 yrs
ING DIRECT
SmartPack Investment Fixed 2 yrs 250k+
Mortgage HOUSE
Inv Advantage Fixed 2 yrs 10-749k
nab
Inv Standard Fixed 2 yrs
Newcastle Permanent
Investment Fixed 2 yrs
Newcastle Permanent
Premium Plus Package Investment Fixed
SERVICE ONE Members BanPioneer Banking Investment Fixed 2 yrs 2
St.George Bank
Advantage Package Investment Fixed 2 y
The Rock Building Soc
Investment Standard Fixed 2 yrs 80%
4.84%
4.84%
4.79%
4.79%
4.79%
4.75%
4.79%
4.79%
4.74%
4.94%
4.79%
4.79%
4.70%
4.79%
4.75%
Nil
1095
Nil
Nil
Nil
100
719
719
595
Nil
Nil
Nil
Nil
Nil
800
375/a
Nil
395/a
395/a
Nil
5.00/m
Nil
Nil
Nil
8.00/m
Nil
350/a
375/a
395/a
5.00/m















Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
97%
95%
95%
No Max
5000000
No Max
No Max
No Max
No Max
2000000
No Max
2500000
No Max
No Max
No Max
No Max
No Max
3000000






























4.88%
4.84%
4.74%
4.99%
4.94%
4.84%
4.75%
4.79%
830
475
895
600
795
200
100
380
330.00/a
10.00/m
Nil
10.00/m
Nil
375/a
300/a
Nil








Both
Both
Both
Both
Both
Both
Both
Both
90%
90%
90%
90%
95%
95%
95%
95%
5000000
No Max
No Max
No Max
2000000
No Max
No Max
No Max

















A M O Group
Adelaide Bank
AMP Bank
ANZ
Beyond Bank
Commonwealth Bank
Heritage Bank
Holiday Coast CU
Investment Fixed 2 yrs
Investment Smartsuite Fixed 2 yrs
Affinity Package Investment Fixed 2 yrs 1
Investment Fixed 2 yrs
Investment Fixed 2 yrs
Wealth Package Investment Fixed 2 yrs 1
Professional Package Investment Fixed 2
Inv Fixed N Easy 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 8
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Homeloans
Investment MoniPower Fixed 2 yrs
IMB
Investment Fixed 2 yrs
IMB
Platinum Package Investment Fixed 2 yrs
nab
Choice Package Inv Standard Fixed 2 yrs
nab
Inv Tailored Fixed IO 2 yrs
nab
Private Tailored Pkg Inv Standard Fixed 2
Pacific Mortgage Group
Investment Fixed 2 yrs
Qld Police Credit Union
Investment Fixed 2 yrs
Queenslanders CU
Inv Fixed Rate 2 yrs
SERVICE ONE Members BanInvestment Fixed 2 yrs
Victoria Teachers Mutual BankInv Offset Fixed 2 yrs
Victoria Teachers Mutual BankRewards Package Inv Offset Fixed 2 yrs
Westpac
Premier Advantage Investment Fixed 2 yr
5.04%
4.79%
4.79%
4.84%
5.04%
4.84%
4.59%
4.94%
4.99%
4.90%
4.99%
4.89%
4.84%
410
768.74
323.74
Nil
Nil
Nil
Nil
876
595
750
600
300
Nil
Nil
6.00/m
395/a
395/a
8.00/m
750/a
Nil
Nil
Nil
8.00/m
Nil
300/a
395/a













Both
Both
Both
Both
IO
Both
P+I
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
97%
95%
97%
95%
95%
95%
3500000
No Max
No Max
No Max
No Max
No Max
2000000
No Max
No Max
No Max
No Max
No Max
No Max


























4.89%
4.89%
4.79%
4.74%
4.74%
4.74%
4.94%
4.85%
4.95%
4.94%
895
Nil
895
700
1263
1263
700
595
595
700
10.00/m
349/a
Nil
Nil
Nil
Nil
10.00/m
350/a
Nil
10.00/m










Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
2000000
2500000
No Max
2000000
5000000
5000000
No Max
No Max
No Max
No Max





















AMP Bank
AMP Bank
AMP Bank
Aussie
Aussie
Aussie
Bank of Melbourne
bankmecu
bankmecu
BankSA
Investment Fixed 2 yrs
Professional Package Investment Fixed 2
Select Package Investment Fixed 2 yrs 1
Inv Optimizer Fixed 2 yrs
Inv Select Basic Fixed 2 yrs
Inv Select Standard Fixed 2 yrs
Investment Fixed 2 yrs
Fixed Rate Package Inv Fixed 2 yrs 10k+
Inv Fixed 2 yrs
Investment Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 9
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
IO
IO
Both
Both
Both
Both
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
97%
97%
95%
95%
95%
95%
95%
95%
90%
90%
95%
95%
95%
95%
No Max
No Max
No Max
2500000
4700000
No Max
1000000
No Max
No Max
1000000
5000000
5000000
1000000
1000000
2000000
2000000
No Max
No Max
No Max
No Max
2000000
No Max
No Max
No Max

















































BankVic
BankVic
Bankwest
bcu
Big Sky Building Society
BOQ
Cairns Penny
Catalyst Money
Commonwealth Bank
Community First CU
CUA
CUA
Easy Street Fin Services
Encompass Credit Union
Gateway Credit Union
Gateway Credit Union
Greater Building Society
Greater Building Society
HomeSide Lending
HomeSide Lending
Homestar Finance
Horizon Credit Union
Hume Building Society
Illawarra CU NSW
Portfolio Inv fixed 2 yrs 250k+
Property Investor Inv fixed 2 yrs 100k+
Investment Fixed 2 yrs
Investment Fixed 2 yrs
Inv Fixed Rate 2 yrs
Investment Fixed 2 yrs
Inv Standard Fixed 2 yrs
Investment Fixed 2 yrs
Investment Fixed 2 yrs
Investment True Fixed 2 yrs
Investment Fixed 2 yrs
Investment Premium Fixed 2 yrs
Investment Easy Street Fixed 2 yrs
Investment Fixed 2 yrs
Low Rate Plus Investment Fixed 2 yrs 15
Premium Investment Fixed 2 yrs 150k+
Inv Great Rate Fixed 2 yrs
Ultimate Home Loan Package Inv Standa
Homeplus Package Inv Fixed Rate Intere
Inv Fixed Rate Interest Only 2 yrs
Inv Advantage Fixed 2 yrs
Investment Fixed 2 yrs 95%
Investment Fixed 2 yrs
Investment Fixed 2 yrs
4.89%
4.89%
4.84%
4.94%
5.10%
4.79%
5.25%
4.89%
4.99%
5.09%
4.89%
5.19%
5.09%
4.79%
4.94%
4.89%
5.29%
4.99%
4.84%
4.84%
4.80%
4.99%
4.90%
4.89%
Nil
Nil
295
600
350
895
682
600
800
1113
795
795
500
960
275
275
275
275
800
200
Nil
945
750
600
375/a
375/a
12.00/m
Nil
Nil
10.00/m
15.00/q
8.00/m
8.00/m
Nil
Nil
Nil
Nil
Nil
249/a
249/a
Nil
325/a
10/m
10.00/m
Nil
Nil
Nil
8.00/m
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 10
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
IO
IO
P+I
Both
Both
IO
IO
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
80%
90%
90%
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
80%
95%
95%
95%
95%
95%
2000000
No Max
2000000
2000000
2000000
No Max
No Max
No Max
No Max
No Max
1000000
No Max
No Max
No Max
No Max
2000000
2000000
2000000
2000000
2000000
1000000
No Max
2000000
No Max

















































iMortgage
Investment Fusion Fixed 80 2 yrs
Macquarie Bank
Basic Flyer Inv Basic IO Fixed 2 yrs
Macquarie Bank
Inv Basic IO Fixed 2 yrs
Macquarie Bank
Inv Basic P&I Fixed 2 yrs
Macquarie Bank
Inv Offset Fixed 2 yrs
Macquarie Bank
Offset Flyer Inv Offset Fixed 2 yrs 150k+
nab
Choice Package Inv Tailored Fixed IO 2 y
nab
Private Tailored Pkg Inv Tailored Fixed IO
People's Choice Credit Union Home Loan Package Investment Fixed 2
People's Choice Credit Union Investment Fixed 2 yrs
People's Choice Credit Union Investment Lite Fixed 2 yrs
Qantas Credit Union
Inv Fixed Rate 2 yrs
Queensland Country Credit UnInvestment Fixed Rate 2 yrs
Queensland Country Credit UnUltimate Home Loan Investment Fixed Ra
RAMS
Inv Fixed Rate 2 yrs
RESI Mortgage Corp
Inv FlexiFix 2 yrs
RESI Mortgage Corp
Inv FlexiFix 80 2 yrs
RESI Mortgage Corp
Inv FlexiFix Plus 2 yrs
RESI Mortgage Corp
Inv FlexiFix Plus 80 2 yrs
RESI Mortgage Corp
Inv Smart Pro Fixed 2 yrs
RESIMAC Financial Services Investment Standard Fixed 2 yrs
SCU
Investment Standard Fixed 2 yrs
SGE Credit Union
Investment Standard Fixed 2 yrs
St.George Bank
Investment Fixed 2 yrs
4.77%
4.89%
4.89%
4.89%
4.89%
4.89%
4.94%
4.94%
4.79%
4.94%
4.99%
5.09%
4.89%
4.89%
4.89%
4.94%
4.79%
4.84%
4.69%
4.99%
5.01%
4.79%
4.79%
4.94%
Nil
363
363
363
363
363
Nil
Nil
150
900
Nil
600
950
Nil
870
649
649
649
649
649
599
747
500
700
Nil
Nil
Nil
Nil
398.00/a
398/a
395/a
750/a
375/a
8.00/m
Nil
Nil
5.00/m
330/a
20.00/m
Nil
Nil
330.00/a
Nil
Nil
Nil
Nil
Nil
10.00/m
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 11
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Suncorp Bank
Home Package Plus Investment Fixed 2 y
Suncorp Bank
Investment Fixed 2 yrs
Teachers Mutual Bank
Inv Option Fixed 2 yrs
Teachers Mutual Bank
Inv Standard Fixed IO 2 yrs
Unicredit-WA
Investment Fixed 2 yrs
Victoria Teachers Mutual BankInterest Only Investment Fixed 2 yrs
Victoria Teachers Mutual BankInv Basic Fixed 2 yrs
Victoria Teachers Mutual BankRewards Package Inv Basic Fixed 2 yrs
Westpac
Investment Fixed 2 yrs
Wide Bay Australia
Freedom Package Investment Standard F
Wide Bay Australia
Investment Standard Fixed 2 yrs
Yellow Brick Road
Inv Gold Pathway Fixed 2 yrs
Yellow Brick Road
Empower Package Inv Empower Fixed 2
Yellow Brick Road
Inv Empower Fixed 2 yrs
4.80%
4.95%
4.69%
4.69%
4.99%
4.99%
4.99%
4.89%
5.04%
4.89%
4.99%
5.09%
4.89%
4.89%
Nil
600
790
790
650
600
600
300
600
750
750
250
363
363
375/a
10.00/m
Nil
Nil
Nil
Nil
Nil
300/a
8.00/m
395/a
10.00/m
249.00/a
198/a
Nil














Both
Both
P+I
IO
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
95%
95%
No Max
No Max
5000000
5000000
No Max
No Max
No Max
No Max
No Max
No Max
3500000
2000000
No Max
2000000




























4.99%
4.99%
4.94%
5.09%
4.99%
4.94%
4.94%
4.79%
4.94%
1034
250
275
990
300
728.8
945
649
805
Nil
Nil
Nil
10.00/m
Nil
8.00/m
Nil
8.00/m
Nil









Both
Both
P+I
Both
Both
Both
Both
Both
P+I
95%
95%
90%
95%
95%
90%
95%
90%
90%
No Max
No Max
2000000
No Max
3000000
No Max
1000000
4000000
No Max



















ADCU
Inv Fixed Rate 2 yrs
Arab Bank Australia
Investment Fixed 2 yrs
Australian Unity Home Loans Investment Fixed 2 yrs
Bank of Sydney
Investment Fixed 2 yrs
BankVic
Inv fixed 2 yrs
Bendigo Bank
Investment Fixed 2 yrs
Beyond Bank
Investment Parent Fixed 2 yrs
Citibank
Investment Standard Fixed 2 yrs
Coastline Credit Union
Investment Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 12
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

ECU Australia
Investment Premium Fixed 2 yrs
First Option Credit Union
Packaged Home Loan Investment Standa
Gateway Credit Union
Investment Fixed 2 yrs
Greater Building Society
Inv Standard Fixed 2 yrs
Homeloans
Investment ProSmart Fixed 2 yrs
Hunter United Credit Un
Inv Fixed 2 yrs
Latvian Aus Credit Co-op
Mortgage Loan Fixed 2 yrs
MyState
Investment Fixed 2 yrs 80%
QT Mutual Bank
Choices Investment Fixed 2 yrs 20k+
QT Mutual Bank
Investment Fixed 2 yrs
RESI Mortgage Corp
Invest Smart Option Fixed Home Loan 2 y
RESIMAC Financial Services Investment Alt Doc Fixed 2 yrs
State Custodians
Inv Standard Fixed 2 yrs
Summerland CU
Investment Standard Fixed 2 yrs
The Capricornian
Inv Fixed 2 yrs
The Capricornian
My Advantage Inv Fixed 2 yrs 50k+
The Capricornian
My First Home Loan Inv Fixed 2 yrs 50k+
The Mac
Investment Standard Fixed 2 yrs
The Mutual
Inv Premium Fixed 2 yrs
TIO Banking
Home Loan Package Investment Essentia
Yellow Brick Road
Inv Futureproof Fixed 2 yrs
5.29%
4.99%
5.34%
5.29%
5.04%
4.79%
5.10%
4.79%
4.79%
4.89%
5.09%
5.41%
4.99%
4.99%
5.15%
5%
5%
5.49%
4.89%
4.95%
5.34%
1020
875
750
275
410
930
1257
702.5
Nil
644
660
599
550
800
275
Nil
Nil
1323
300
Nil
725
Nil
375/a
Nil
Nil
Nil
5.00/m
Nil
Nil
395/a
Nil
Nil
Nil
299.00/a
8.00/m
Nil
385/a
385/a
Nil
Nil
399/a
Nil





















Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
95%
90%
90%
No Max
1000000
No Max
No Max
2000000
No Max
500000
1000000
No Max
No Max
2000000
1000000
1000000
No Max
1000000
2000000
750000
1000000
No Max
No Max
2000000










































5.84%
5.68%
475
1020
10.00/m
6.00/m


Both
Both
80%
90%
2000000
5000000





Adelaide Bank
Delphi Bank
Investment Smartdoc Fixed 2 yrs
Investment Standard Fixed 2 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 13
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 2 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility






Both
Both
Both
Both
P+I
Both
95%
95%
90%
85%
80%
90%
1000000
2000000
7500000
1000000
1500000
No Max













First Option Credit Union
Homeloans
HSBC
Liberty Financial
Quay Credit Union
TIO Banking
Investment Standard Fixed 2 yrs
Investment Ultra Fixed 2 yrs
Investment 2yr Fixed 2 yrs
Inv Liberty Fixed 2 yrs
Investment Fixed (Refinance only) 2 yrs
Investment Essentials Fixed 2 yrs
5.24%
5.29%
4.79%
5.09%
5.24%
5.05%
875
300
852.5
330
638
1180
Nil
Nil
Nil
28.00/m
Nil
10.00/m
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 14
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
 outstanding value
Beyond Bank
Pinnacle +Plus Pkg Investment Fixed 3 y
CUA
Investment Fixed 3 yrs
Heritage Bank
Investment Fixed 3 yrs
ING DIRECT
Investment Fixed 3 yrs
ING DIRECT
SmartPack Investment Fixed 3 yrs 250k+
ME Bank
Investment SuperMember Fixed 3 yrs
Mortgage HOUSE
Inv Advantage Fixed 3 yrs 10-749k
Newcastle Permanent
Investment Fixed 3 yrs
Newcastle Permanent
Premium Plus Package Investment Fixed
Qld Police Credit Union
Investment Fixed 3 yrs
Queenslanders CU
Inv Fixed Rate 3 yrs
SERVICE ONE Members BanInvestment Fixed 3 yrs
SERVICE ONE Members BanPioneer Banking Investment Fixed 3 yrs 2
The Rock Building Soc
Investment Standard Fixed 3 yrs 80%
4.99%
4.89%
4.89%
4.94%
4.94%
4.74%
5.09%
5.09%
5.09%
5.09%
5.09%
5.10%
4.90%
4.87%
Nil
795
100
719
719
350
595
Nil
Nil
876
595
750
Nil
800
Nil
Nil
5.00/m
Nil
Nil
Nil
Nil
Nil
350/a
Nil
Nil
8.00/m
375/a
5.00/m














Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
97%
95%
95%
95%
95%
95%
95%
95%
97%
95%
97%
97%
95%
No Max
5000000
No Max
2000000
No Max
No Max
2500000
No Max
No Max
No Max
No Max
No Max
No Max
3000000




























5.13%
4.84%
5.05%
5.19%
4.99%
4.99%
5.14%
5.15%
4.99%
830
895
Nil
1095
Nil
Nil
795
795
275
330.00/a
Nil
375/a
Nil
395/a
395/a
Nil
Nil
249/a









Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
90%
90%
95%
95%
95%
95%
97%
95%
5000000
No Max
No Max
5000000
No Max
No Max
2000000
5000000
2000000



















A M O Group
AMP Bank
ANZ
Austral Mortgage
Bank of Melbourne
BankSA
Beyond Bank
CUA
Gateway Credit Union
Investment Fixed 3 yrs
Affinity Package Investment Fixed 3 yrs 1
Breakfree Investment Fixed 3 yrs 150k+
Investment Advantage Plus Fixed 3 yrs
Advantage Package Investment Fixed 3 y
Advantage Package Investment Fixed 3 y
Investment Fixed 3 yrs
Investment Premium Fixed 3 yrs
Low Rate Plus Investment Fixed 3 yrs 15
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 15
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Gateway Credit Union
Premium Investment Fixed 3 yrs 150k+
Heritage Bank
Professional Package Investment Fixed 3
IMB
Investment Fixed 3 yrs
IMB
Platinum Package Investment Fixed 3 yrs
nab
Choice Package Inv Standard Fixed 3 yrs
nab
Inv Standard Fixed 3 yrs
SCU
Investment Standard Fixed 3 yrs
Select Credit Union
Investment Super Loan Fixed 3 yrs
St.George Bank
Advantage Package Investment Fixed 3 y
Victoria Teachers Mutual BankInv Offset Fixed 3 yrs
Victoria Teachers Mutual BankRewards Package Inv Offset Fixed 3 yrs
Westpac
Premier Advantage Investment Fixed 3 yr
4.94%
4.89%
4.94%
4.94%
5.05%
5.15%
4.93%
4.99%
4.99%
5.14%
5.04%
5.09%
275
100
768.74
323.74
Nil
Nil
747
Nil
Nil
600
300
Nil
249/a
300/a
6.00/m
395/a
395/a
8.00/m
Nil
Nil
395/a
Nil
300/a
395/a












Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
2000000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
No Max
























5.19%
4.99%
4.99%
4.89%
5.20%
4.99%
4.99%
5.14%
5.04%
5.14%
5.14%
475
895
Nil
895
600
1263
1263
700
595
595
700
10.00/m
10.00/m
349/a
Nil
10.00/m
Nil
Nil
10.00/m
350/a
Nil
10.00/m











Both
Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
90%
90%
90%
90%
90%
95%
95%
95%
95%
95%
95%
No Max
2000000
2500000
No Max
No Max
5000000
5000000
No Max
No Max
No Max
No Max























Adelaide Bank
AMP Bank
AMP Bank
AMP Bank
ANZ
Aussie
Aussie
Bank of Melbourne
bankmecu
bankmecu
BankSA
Investment Smartsuite Fixed 3 yrs
Investment Fixed 3 yrs
Professional Package Investment Fixed 3
Select Package Investment Fixed 3 yrs 1
Investment Fixed 3 yrs
Inv Select Basic Fixed 3 yrs
Inv Select Standard Fixed 3 yrs
Investment Fixed 3 yrs
Fixed Rate Package Inv Fixed 3 yrs 10k+
Inv Fixed 3 yrs
Investment Fixed 3 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 16
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
IO
IO
Both
Both
Both
Both
Both
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
90%
90%
95%
95%
90%
95%
95%
No Max
No Max
No Max
2500000
4700000
No Max
1000000
No Max
No Max
No Max
1000000
1000000
No Max
1000000
No Max
No Max
3500000
No Max
No Max
2000000
No Max
7500000
No Max
No Max

















































BankVic
BankVic
Bankwest
bcu
Big Sky Building Society
BOQ
Cairns Penny
Catalyst Money
Commonwealth Bank
Commonwealth Bank
Community First CU
Easy Street Fin Services
ECU Australia
Encompass Credit Union
Gateway Credit Union
Holiday Coast CU
Homeloans
HomeSide Lending
HomeSide Lending
Homestar Finance
Horizon Credit Union
HSBC
Hume Building Society
Illawarra CU NSW
Portfolio Inv fixed 3 yrs 250k+
Property Investor Inv fixed 3 yrs 100k+
Investment Fixed 3 yrs
Investment Fixed 3 yrs
Inv Fixed Rate 3 yrs
Investment Fixed 3 yrs
Inv Standard Fixed 3 yrs
Investment Fixed 3 yrs
Investment Fixed 3 yrs
Wealth Package Investment Fixed 3 yrs 1
Investment True Fixed 3 yrs
Investment Easy Street Fixed 3 yrs
Investment Premium Fixed 3 yrs
Investment Fixed 3 yrs
Investment Fixed 3 yrs
Inv Fixed N Easy 3 yrs
Investment MoniPower Fixed 3 yrs
Homeplus Package Inv Fixed Rate Intere
Inv Fixed Rate Interest Only 3 yrs
Inv Advantage Fixed 3 yrs
Investment Fixed 3 yrs 95%
Investment Fixed 3 yrs
Investment Fixed 3 yrs
Investment Fixed 3 yrs
5.09%
5.09%
5.14%
4.99%
5.40%
4.99%
5.40%
5.19%
5.24%
5.09%
5.09%
5.09%
4.89%
4.99%
5.39%
5.14%
5.39%
5.05%
5.05%
5.10%
5.19%
5.09%
5.15%
5.19%
Nil
Nil
295
600
350
895
682
600
800
200
1113
500
1020
960
750
380
410
800
200
Nil
945
852.5
750
600
375/a
375/a
12.00/m
Nil
Nil
10.00/m
15.00/q
8.00/m
8.00/m
375/a
Nil
Nil
Nil
Nil
Nil
Nil
Nil
10/m
10.00/m
Nil
Nil
Nil
Nil
8.00/m
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 17
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
IO
IO
Both
Both
Both
IO
IO
Both
IO
P+I
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
80%
90%
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
80%
95%
80%
95%
95%
2000000
No Max
2000000
2000000
No Max
1000000
No Max
No Max
No Max
No Max
No Max
2000000
No Max
No Max
1000000
No Max
No Max
No Max
2000000
2000000
2000000
2000000
2000000
1000000

















































iMortgage
Investment Fusion Fixed 80 3 yrs
Macquarie Bank
Basic Flyer Inv Basic IO Fixed 3 yrs
Macquarie Bank
Inv Basic IO Fixed 3 yrs
Macquarie Bank
Inv Offset Fixed 3 yrs
Macquarie Bank
Offset Flyer Inv Offset Fixed 3 yrs 150k+
MyState
Investment Fixed 3 yrs 80%
nab
Choice Package Inv Tailored Fixed IO 3 y
nab
Inv Tailored Fixed IO 3 yrs
nab
Private Tailored Pkg Inv Standard Fixed 3
nab
Private Tailored Pkg Inv Tailored Fixed IO
Northern Beaches CU
Investment Fixed Rate 3 yrs
Pacific Mortgage Group
Investment Fixed 3 yrs
People's Choice Credit Union Home Loan Package Investment Fixed 3
People's Choice Credit Union Investment Fixed 3 yrs
People's Choice Credit Union Investment Lite Fixed 3 yrs
Qantas Credit Union
Inv Fixed Rate 3 yrs
Queensland Country Credit UnInvestment Fixed Rate 3 yrs
RAMS
Inv Fixed Rate 3 yrs
RESI Mortgage Corp
Inv FlexiFix 3 yrs
RESI Mortgage Corp
Inv FlexiFix 80 3 yrs
RESI Mortgage Corp
Inv FlexiFix Plus 3 yrs
RESI Mortgage Corp
Inv FlexiFix Plus 80 3 yrs
RESI Mortgage Corp
Inv Smart Pro 3yr Fixed 3 yrs
RESIMAC Financial Services Investment Standard Fixed 3 yrs
4.97%
5.29%
5.29%
5.29%
5.29%
4.87%
5.15%
5.25%
5.05%
5.15%
5.09%
4.94%
5.09%
5.24%
5.24%
5.19%
5.15%
4.99%
5.34%
5.19%
5.24%
5.09%
5.13%
5.23%
Nil
363
363
363
363
702.5
Nil
Nil
Nil
Nil
Nil
Nil
150
900
Nil
600
950
870
649
649
649
649
649
599
Nil
Nil
Nil
398.00/a
398/a
Nil
395/a
8.00/m
750/a
750/a
Nil
Nil
375/a
8.00/m
Nil
Nil
5.00/m
20.00/m
Nil
Nil
330.00/a
Nil
Nil
Nil
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 18
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

St.George Bank
Investment Fixed 3 yrs
Suncorp Bank
Home Package Plus Investment Fixed 3 y
Suncorp Bank
Investment Fixed 3 yrs
Teachers Mutual Bank
Inv Option Fixed 3 yrs
Teachers Mutual Bank
Inv Standard Fixed IO 3 yrs
UBank
Inv UHomeLoan Fixed 3 yrs
Unicredit-WA
Investment Fixed 3 yrs
Victoria Teachers Mutual BankInterest Only Investment Fixed 3 yrs
Victoria Teachers Mutual BankInv Basic Fixed 3 yrs
Victoria Teachers Mutual BankRewards Package Inv Basic Fixed 3 yrs
Westpac
Investment Fixed 3 yrs
Wide Bay Australia
Freedom Package Investment Standard F
Wide Bay Australia
Investment Standard Fixed 3 yrs
Yellow Brick Road
Inv Gold Pathway Fixed 3 yrs
Yellow Brick Road
Empower Package Inv Empower Fixed 3
Yellow Brick Road
Inv Empower Fixed 3 yrs
5.14%
4.98%
5.13%
4.49%
4.49%
4.88%
5.09%
5.14%
5.14%
5.04%
5.29%
4.99%
5.09%
5.09%
5.29%
5.29%
700
Nil
600
790
790
Nil
650
600
600
300
600
750
750
250
363
363
10.00/m
375/a
10.00/m
Nil
Nil
Nil
Nil
Nil
Nil
300/a
8.00/m
395/a
10.00/m
249.00/a
198/a
Nil
















Both
Both
Both
P+I
IO
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
Both
Both
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
95%
90%
95%
95%
No Max
No Max
No Max
5000000
5000000
1000000
No Max
No Max
No Max
No Max
No Max
No Max
3500000
2000000
No Max
2000000
































5.29%
5.19%
5.19%
5.19%
5.19%
5.14%
5.14%
250
700
275
990
300
728.8
945
Nil
Nil
Nil
10.00/m
Nil
8.00/m
Nil







Both
Both
P+I
Both
Both
Both
Both
95%
95%
90%
95%
95%
90%
95%
No Max
2000000
2000000
No Max
3000000
No Max
1000000















Arab Bank Australia
Investment Fixed 3 yrs
Aussie
Inv Optimizer Fixed 3 yrs
Australian Unity Home Loans Investment Fixed 3 yrs
Bank of Sydney
Investment Fixed 3 yrs
BankVic
Inv fixed 3 yrs
Bendigo Bank
Investment Fixed 3 yrs
Beyond Bank
Investment Parent Fixed 3 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 19
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Citibank
Investment Standard Fixed 3 yrs
First Option Credit Union
Investment Standard Fixed 3 yrs
First Option Credit Union
Packaged Home Loan Investment Standa
Greater Building Society
Inv Great Rate Fixed 3 yrs
Greater Building Society
Ultimate Home Loan Package Inv Standa
Homeloans
Investment ProSmart Fixed 3 yrs
Macquarie Bank
Inv Basic P&I Fixed 3 yrs
Police Bank
Investment Home Loan Fixed 3 yrs
QT Mutual Bank
Choices Investment Fixed 3 yrs 20k+
QT Mutual Bank
Investment Fixed 3 yrs
RESI Mortgage Corp
Invest Smart Option Fixed Home Loan 3 y
RESIMAC Financial Services Investment Alt Doc Fixed 3 yrs
SGE Credit Union
Investment Standard Fixed 3 yrs
State Custodians
Inv Standard Fixed 3 yrs
Summerland CU
Investment Standard Fixed 3 yrs
The Capricornian
Inv Fixed 3 yrs
The Capricornian
My Advantage Inv Fixed 3 yrs 50k+
The Capricornian
My First Home Loan Inv Fixed 3 yrs 50k+
The Mac
Investment Standard Fixed 3 yrs
The Mutual
Inv Premium Fixed 3 yrs
TIO Banking
Home Loan Package Investment Essentia
Yellow Brick Road
Inv Futureproof Fixed 3 yrs
4.99%
5.55%
5.30%
5.54%
5.25%
5.34%
5.29%
5.29%
4.89%
4.99%
5.34%
5.63%
5.24%
5.21%
5.15%
5.30%
5.15%
5.15%
5.49%
4.99%
5.20%
5.39%
649
875
875
275
275
410
363
1045
Nil
644
660
599
500
550
800
275
Nil
Nil
1323
300
Nil
725
8.00/m
Nil
375/a
Nil
325/a
Nil
Nil
Nil
395/a
Nil
Nil
Nil
Nil
299.00/a
8.00/m
Nil
385/a
385/a
Nil
Nil
399/a
Nil






















Both
Both
Both
Both
Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
95%
95%
90%
90%
4000000
1000000
1000000
No Max
No Max
2000000
2000000
No Max
No Max
No Max
2000000
1000000
2000000
1000000
No Max
1000000
2000000
750000
1000000
No Max
No Max
2000000












































6.19%
475
10.00/m

Both
80%
2000000



Adelaide Bank
Investment Smartdoc Fixed 3 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 20
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 3 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility







Both
Both
Both
Both
Both
Both
Both
90%
90%
95%
95%
90%
85%
90%
4000000
5000000
No Max
2000000
500000
1000000
No Max















Citibank
Delphi Bank
Greater Building Society
Homeloans
Latvian Aus Credit Co-op
Liberty Financial
TIO Banking
Mortgage Plus Investment Standard Fixe
Investment Standard Fixed 3 yrs
Inv Standard Fixed 3 yrs
Investment Ultra Fixed 3 yrs
Mortgage Loan Fixed 3 yrs
Inv Liberty Fixed 3 yrs
Investment Essentials Fixed 3 yrs
4.99%
5.98%
5.54%
5.49%
5.40%
5.34%
5.30%
250
1020
275
300
1257
330
1180
350/a
6.00/m
Nil
Nil
Nil
28.00/m
10.00/m
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 21
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
 outstanding value
Beyond Bank
Pinnacle +Plus Pkg Investment Fixed 5 y
CUA
Investment Fixed 5 yrs
ING DIRECT
Investment Fixed 5 yrs
ING DIRECT
SmartPack Investment Fixed 5 yrs 250k+
Mortgage HOUSE
Inv Advantage Fixed 5 yrs 10-749k
Newcastle Permanent
Investment Fixed 5 yrs
Qld Police Credit Union
Investment Fixed 5 yrs
RAMS
Inv Fixed Rate 5 yrs
SERVICE ONE Members BanPioneer Banking Investment Fixed 5 yrs 2
The Rock Building Soc
Investment Standard Fixed 5 yrs 95%
5.59%
5.50%
5.59%
5.59%
5.64%
5.69%
5.75%
5.45%
5.55%
5.60%
Nil
795
719
719
595
Nil
876
870
Nil
800
Nil
Nil
Nil
Nil
Nil
Nil
Nil
20.00/m
375/a
5.00/m










Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
97%
95%
95%
95%
95%
97%
95%
97%
95%
No Max
5000000
2000000
No Max
2500000
No Max
No Max
No Max
No Max
3000000




















5.79%
5.74%
5.19%
5.69%
5.69%
5.74%
5.49%
5.79%
5.59%
5.49%
5.79%
5.69%
5.75%
Nil
1095
275
Nil
Nil
795
600
795
100
600
Nil
Nil
750
375/a
Nil
Nil
395/a
395/a
Nil
8.00/m
Nil
5.00/m
8.00/m
8.00/m
350/a
8.00/m













Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
95%
90%
95%
95%
95%
95%
97%
95%
95%
95%
95%
97%
No Max
5000000
2000000
No Max
No Max
2000000
No Max
5000000
No Max
No Max
No Max
No Max
No Max



























ANZ
Breakfree Investment Fixed 5 yrs 150k+
Austral Mortgage
Investment Advantage Plus Fixed 5 yrs
Australian Unity Home Loans Investment Fixed 5 yrs
Bank of Melbourne
Advantage Package Investment Fixed 5 y
BankSA
Advantage Package Investment Fixed 5 y
Beyond Bank
Investment Fixed 5 yrs
Catalyst Money
Investment Fixed 5 yrs
CUA
Investment Premium Fixed 5 yrs
Heritage Bank
Investment Fixed 5 yrs
Illawarra CU NSW
Investment Fixed 5 yrs
nab
Inv Standard Fixed 5 yrs
Newcastle Permanent
Premium Plus Package Investment Fixed
SERVICE ONE Members BanInvestment Fixed 5 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 22
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

St.George Bank
Advantage Package Investment Fixed 5 y
Unicredit-WA
Investment Fixed 5 yrs
Victoria Teachers Mutual BankInv Offset Fixed 5 yrs
Victoria Teachers Mutual BankRewards Package Inv Offset Fixed 5 yrs
5.69%
5.69%
5.74%
5.64%
Nil
650
600
300
395/a
Nil
Nil
300/a




Both
Both
Both
Both
95%
95%
95%
95%
No Max
No Max
No Max
No Max








5.79%
5.74%
5.54%
5.69%
5.59%
5.94%
5.64%
5.64%
5.84%
5.84%
5.74%
5.79%
5.49%
5.90%
5.49%
5.84%
5.69%
5.74%
5.99%
830
475
895
895
895
600
1263
1263
700
700
Nil
295
600
350
895
800
200
1020
960
330.00/a
10.00/m
Nil
10.00/m
Nil
10.00/m
Nil
Nil
10.00/m
10.00/m
375/a
12.00/m
Nil
Nil
10.00/m
8.00/m
375/a
Nil
Nil



















Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
90%
90%
90%
90%
90%
95%
95%
95%
95%
95%
90%
95%
95%
95%
95%
95%
95%
95%
5000000
No Max
No Max
2000000
No Max
No Max
5000000
5000000
No Max
No Max
No Max
No Max
2500000
4700000
No Max
No Max
No Max
No Max
1000000







































A M O Group
Adelaide Bank
AMP Bank
AMP Bank
AMP Bank
ANZ
Aussie
Aussie
Bank of Melbourne
BankSA
BankVic
Bankwest
bcu
Big Sky Building Society
BOQ
Commonwealth Bank
Commonwealth Bank
ECU Australia
Encompass Credit Union
Investment Fixed 5 yrs
Investment Smartsuite Fixed 5 yrs
Affinity Package Investment Fixed 5 yrs 1
Investment Fixed 5 yrs
Select Package Investment Fixed 5 yrs 1
Investment Fixed 5 yrs
Inv Select Basic Fixed 5 yrs
Inv Select Standard Fixed 5 yrs
Investment Fixed 5 yrs
Investment Fixed 5 yrs
Portfolio Inv fixed 5 yrs 250k+
Investment Fixed 5 yrs
Investment Fixed 5 yrs
Inv Fixed Rate 5 yrs
Investment Fixed 5 yrs
Investment Fixed 5 yrs
Wealth Package Investment Fixed 5 yrs 1
Investment Premium Fixed 5 yrs
Investment Fixed 5 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 23
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility
























Both
Both
Both
IO
IO
Both
Both
Both
Both
IO
IO
Both
Both
Both
Both
IO
IO
Both
IO
P+I
Both
Both
Both
Both
95%
95%
95%
90%
90%
95%
95%
95%
95%
90%
90%
90%
90%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
95%
No Max
No Max
3500000
No Max
No Max
2000000
No Max
No Max
No Max
No Max
2000000
2000000
No Max
No Max
No Max
No Max
No Max
No Max
No Max
2000000
No Max
No Max
No Max
1000000

















































Heritage Bank
Professional Package Investment Fixed 5
Holiday Coast CU
Inv Fixed N Easy 5 yrs
Homeloans
Investment MoniPower Fixed 5 yrs
HomeSide Lending
Homeplus Package Inv Fixed Rate Intere
HomeSide Lending
Inv Fixed Rate Interest Only 5 yrs
Homestar Finance
Inv Advantage Fixed 5 yrs
Hume Building Society
Investment Fixed 5 yrs
IMB
Investment Fixed 5 yrs
IMB
Platinum Package Investment Fixed 5 yrs
Macquarie Bank
Basic Flyer Inv Basic IO Fixed 5 yrs
Macquarie Bank
Inv Basic IO Fixed 5 yrs
Macquarie Bank
Inv Offset Fixed 5 yrs
Macquarie Bank
Offset Flyer Inv Offset Fixed 5 yrs 150k+
ME Bank
Investment SuperMember Fixed 5 yrs
nab
Choice Package Inv Standard Fixed 5 yrs
nab
Choice Package Inv Tailored Fixed IO 5 y
nab
Inv Tailored Fixed IO 5 yrs
nab
Private Tailored Pkg Inv Standard Fixed 5
nab
Private Tailored Pkg Inv Tailored Fixed IO
Pacific Mortgage Group
Investment Fixed 5 yrs
People's Choice Credit Union Home Loan Package Investment Fixed 5
People's Choice Credit Union Investment Fixed 5 yrs
Queenslanders CU
Inv Fixed Rate 5 yrs
RESIMAC Financial Services Investment Standard Fixed 5 yrs
5.59%
5.79%
5.94%
5.69%
5.69%
5.65%
5.80%
5.79%
5.69%
5.89%
5.89%
5.89%
5.89%
5.79%
5.69%
5.79%
5.89%
5.69%
5.79%
5.60%
5.64%
5.79%
5.99%
5.76%
100
380
410
800
200
Nil
750
768.74
768.74
363
363
363
363
350
Nil
Nil
Nil
Nil
Nil
Nil
150
900
595
599
300/a
Nil
Nil
10/m
10.00/m
Nil
Nil
6.00/m
395/a
Nil
Nil
398.00/a
398/a
Nil
395/a
395/a
8.00/m
750/a
750/a
Nil
375/a
8.00/m
Nil
Nil
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 24
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

SCU
Investment Standard Fixed 5 yrs
St.George Bank
Investment Fixed 5 yrs
State Custodians
Inv Standard Fixed 5 yrs
Suncorp Bank
Home Package Plus Investment Fixed 5 y
Suncorp Bank
Investment Fixed 5 yrs
UBank
Inv UHomeLoan Fixed 5 yrs
Victoria Teachers Mutual BankInterest Only Investment Fixed 5 yrs
Victoria Teachers Mutual BankInv Basic Fixed 5 yrs
Victoria Teachers Mutual BankRewards Package Inv Basic Fixed 5 yrs
Westpac
Investment Fixed 5 yrs
Westpac
Premier Advantage Investment Fixed 5 yr
Yellow Brick Road
Empower Package Inv Empower Fixed 5
Yellow Brick Road
Inv Empower Fixed 5 yrs
5.59%
5.84%
5.74%
5.65%
5.80%
5.56%
5.74%
5.74%
5.64%
5.99%
5.79%
5.89%
5.89%
747
700
550
Nil
600
Nil
600
600
300
600
Nil
363
363
Nil
10.00/m
299.00/a
375/a
10.00/m
Nil
Nil
Nil
300/a
8.00/m
395/a
198/a
Nil













Both
Both
Both
Both
Both
Both
Both
P+I
P+I
Both
Both
Both
Both
95%
95%
95%
95%
95%
80%
95%
95%
95%
95%
95%
95%
95%
No Max
No Max
1000000
No Max
No Max
1000000
No Max
No Max
No Max
No Max
No Max
No Max
2000000


























5.69%
5.79%
5.79%
5.84%
5.74%
5.79%
5.74%
6.04%
5.79%
6.09%
Nil
250
700
300
Nil
728.8
945
275
275
410
349/a
Nil
Nil
Nil
375/a
8.00/m
Nil
Nil
325/a
Nil










Both
Both
Both
Both
Both
Both
Both
Both
Both
Both
90%
95%
95%
95%
95%
90%
95%
95%
95%
95%
2500000
No Max
2000000
3000000
No Max
No Max
1000000
No Max
No Max
2000000





















AMP Bank
Arab Bank Australia
Aussie
BankVic
BankVic
Bendigo Bank
Beyond Bank
Greater Building Society
Greater Building Society
Homeloans
Professional Package Investment Fixed 5
Investment Fixed 5 yrs
Inv Optimizer Fixed 5 yrs
Inv fixed 5 yrs
Property Investor Inv fixed 5 yrs 100k+
Investment Fixed 5 yrs
Investment Parent Fixed 5 yrs
Inv Great Rate Fixed 5 yrs
Ultimate Home Loan Package Inv Standa
Investment ProSmart Fixed 5 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 25
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Investment 5 Year Fixed
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Extra
Payments
Allowed
Principal+
Interest/
Interest Only
Maximum
LVR
Maximum
Loan
100%
Offset
Available
Redraw
Facility

Horizon Credit Union
Investment Fixed 5 yrs 95%
iMortgage
Investment Fusion Fixed 80 5 yrs
Macquarie Bank
Inv Basic P&I Fixed 5 yrs
MyState
Investment Fixed 5 yrs 95%
Police Bank
Investment Home Loan Fixed 5 yrs
RESI Mortgage Corp
Inv Smart Pro Fixed 5 yrs
RESI Mortgage Corp
Invest Smart Option Fixed Home Loan 5 y
RESIMAC Financial Services Investment Alt Doc Fixed 5 yrs
SGE Credit Union
Investment Standard Fixed 5 yrs
Summerland CU
Investment Standard Fixed 5 yrs
TIO Banking
Home Loan Package Investment Essentia
TIO Banking
Investment Essentials Fixed 5 yrs
5.99%
5.74%
5.89%
5.85%
6.00%
6.14%
6.04%
6.16%
5.89%
5.70%
5.68%
5.78%
945
Nil
363
702.5
1045
649
660
599
500
800
Nil
1180
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
8.00/m
399/a
10.00/m












Both
Both
P+I
Both
Both
Both
Both
Both
Both
Both
Both
Both
95%
80%
90%
95%
95%
95%
95%
80%
95%
95%
90%
90%
No Max
2000000
2000000
1000000
No Max
2000000
2000000
1000000
2000000
No Max
No Max
No Max
























6.74%
5.59%
6.54%
6.04%
6.29%
5.69%
475
649
1020
275
300
852.5
10.00/m
8.00/m
6.00/m
Nil
Nil
Nil






Both
Both
Both
Both
Both
Both
80%
90%
90%
95%
95%
90%
2000000
4000000
5000000
No Max
2000000
7500000













Adelaide Bank
Citibank
Delphi Bank
Greater Building Society
Homeloans
HSBC
Investment Smartdoc Fixed 5 yrs
Investment Standard Fixed 5 yrs
Investment Standard Fixed 5 yrs
Inv Standard Fixed 5 yrs
Investment Ultra Fixed 5 yrs
Investment Fixed 5 yrs
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 26
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Revolving Line of Credit
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
Mandatory
Interest
Maximum
Payments
LVR
Necessary Capitalisation
Maximum
Loan
Loan
Review
Period
Split
Facility
 outstanding value
ANZ
ANZ
Bank of Melbourne
BankSA
HomeSide Lending
iMortgage
Macquarie Bank
nab
nab
nab
Newcastle Permanent
St.George Bank
State Custodians
Breakfree Equity Manager 250-499k
Equity Manager
Advantage Package Portfolio Loan 250-4
Advantage Package Portfolio Loan 250-4
Homeplus Package Peak Performance E
Fusion Line of Credit 200k+ 80%
Offset Flyer Line of Credit Variable 150-49
Portfolio Facility 250-499k
Portfolio Package Portfolio Facility 250-49
Private Portfolio Portfolio Facility 250-499
Premium Plus Package Real Equity 250-4
Advantage Package Portfolio Loan 250-9
Line of Credit
5.23%
6.03%
5.20%
5.20%
5.36%
4.94%
4.94%
5.45%
5.45%
5.45%
4.95%
5.19%
4.69%
Nil
600
Nil
Nil
200
Nil
363
Nil
Nil
Nil
Nil
Nil
550
375/a
150.00/a
395/a
395/a
10/m
Nil
398/a
550.00/a
550/a
750/a
350/a
395/a
299.00/a


























90%
90%
90%
90%
90%
95%
90%
90%
90%
90%
90%
90%
90%
500000
No Max
500000
500000
No Max
2000000
500000
No Max
500000
500000
500000
1000000
1000000
N/A
N/A
N/A
N/A
a
N/A
N/A
a
a
a
a
N/A
N/A













Optimizer Line of Credit
Select LOC 100-499k
All-In-One Discount Variable 250k+
Pinnacle +Plus Pkg All-In-One Variable 20
Wealth Package Viridian Line Of Credit 2
Constant Credit Equity
Ultimate Home Loan Package Constant C
Fusion ProPack Line of Credit 200k+ 80%
Equity Gold 20-749k
Choice Package Flexi Plus 150k+
5.09%
4.95%
5.08%
5.64%
5.25%
5.85%
5.65%
4.84%
5.26%
5.88%
100
1263
600
Nil
200
275
275
Nil
595
Nil
198.00/a
15.00/m
Nil
Nil
375/a
5.00/m
325/a
330.00/a
150.00/a
395/a




















95%
95%
90%
90%
90%
90%
90%
95%
95%
90%
2000000
5000000
No Max
300000
500000
No Max
No Max
2000000
No Max
No Max
N/A
N/A
N/A
a
a
a
a
N/A
N/A
a











Aussie
Aussie
bcu
Beyond Bank
Commonwealth Bank
Greater Building Society
Greater Building Society
iMortgage
Mortgage HOUSE
nab
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 1
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Revolving Line of Credit
Rate
Loan Fees (at $250k)
Mandatory
Interest
Maximum
Payments
LVR
Necessary Capitalisation
(as at 1 March
2014)
Upfront
Ongoing
($)
($)
Flexi Plus
Private Tailored Pkg Flexi Plus 50k+
Line Of Credit
Home Access Loan
Super Equity Access
Home Package Plus Access Equity 250-4
Premier Advantage Equity Access Loan 2
Empower Line of Credit Variable 80%
Wealth Access
6.03%
5.88%
5.11%
5.33%
5.54%
5.09%
5.23%
4.94%
5.64%
Nil
Nil
Nil
600
Nil
Nil
Nil
363
725
250.00/a
750/a
Nil
Nil
Nil
375/a
395/a
198.00/a
Nil


















Line Of Credit
Affinity Package Classic LOC 250k+
Classic LOC
Professional Package Classic LOC 250-7
Select Package Classic LOC 250k+
Line of Credit
Portfolio Loan
Portfolio Loan
Equity Loan Line of Credit 250-749k
Line of Credit
All-In-One Standard Variable
Home Equity Loan
Home Loan Package Home Equity Loan
Home Loan Package Plus Home Equity L
5.50%
5.20%
6.20%
5.20%
5.20%
6.50%
6.05%
6.12%
5.09%
5.49%
5.78%
6.11%
5.61%
5.41%
730
895
895
Nil
895
Nil
800
800
Nil
300
600
728.8
728.8
728.8
150.00/a
Nil
10.00/m
349/a
Nil
150.00/a
14.00/m
14.00/m
375/a
Nil
Nil
8.00/m
8/m
8/m




























Company Name
Product
Maximum
Loan
Loan
Review
Period
Split
Facility
90%
90%
95%
95%
95%
90%
92%
95%
80%
No Max
No Max
2000000
No Max
No Max
500000
500000
2000000
1000000
a
a
N/A
N/A
a
N/A
s
N/A
N/A









95%
90%
90%
90%
90%
90%
90%
90%
90%
90%
90%
90%
90%
90%
2000000
No Max
2000000
750000
No Max
500000
No Max
No Max
750000
1000000
7000000
No Max
No Max
No Max
N/A
N/A
N/A
N/A
N/A
a
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A















nab
nab
Pacific Mortgage Group
Qantas Credit Union
Select Credit Union
Suncorp Bank
Westpac
Yellow Brick Road
Yellow Brick Road

A M O Group
AMP Bank
AMP Bank
AMP Bank
AMP Bank
Arab Bank Australia
Bank of Melbourne
BankSA
BankVic
BankVic
bcu
Bendigo Bank
Bendigo Bank
Bendigo Bank
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 2
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Revolving Line of Credit
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Upfront
Ongoing
($)
($)
795
600
782
250
800
220
1020
960
750
100
100
300
300
200
852.5
750
930
768.74
323.74
220
719
719
363
670
Nil
Nil
Nil
350/a
12.00/m
Nil
8.00/m
Nil
Nil
8.00/m
300/a
Nil
330.00/a
70.00/s
Nil
Nil
5.00/m
Nil
395/a
Nil
180.00/a
Nil
Nil
Nil
Mandatory
Interest
Maximum
Payments
LVR
Necessary Capitalisation
Maximum
Loan
Loan
Review
Period
Split
Facility
2000000
1000000
1000000
500000
No Max
No Max
5000000
1000000
No Max
500000
No Max
2000000
2000000
No Max
1000000
No Max
No Max
1000000
No Max
2000000
2000000
No Max
2000000
1000000
a
a
N/A
N/A
a
N/A
N/A
N/A
N/A
a
a
N/A
N/A
a
a
N/A
N/A
a
a
N/A
N/A
N/A
N/A
N/A

























Beyond Bank
Big Sky Building Society
Cairns Penny
Citibank
Commonwealth Bank
Commonwealth Bank
Delphi Bank
Encompass Credit Union
Gateway Credit Union
Heritage Bank
Heritage Bank
Homeloans
Homeloans
HomeSide Lending
HSBC
Hume Building Society
Hunter United Credit Un
IMB
IMB
ING DIRECT
ING DIRECT
ING DIRECT
Macquarie Bank
Mortgage HOUSE
All-In-One Variable
Line of Credit
Line Of Credit
Mortgage Plus Mortgage Power LOC 150
Viridian Line Of Credit
CALIA+
Home Equity
Equity Home Loan
Equitismart Home Loan
Living Equity
Professional Package Living Equity 150k+
Ultra Loc
Ultra Plus Loc
Peak Performance Equity
Home Equity Loan
Line Of Credit
Home Equity
Equity Line Advantage
Platinum Package Equity Line Advantage
Action Equity Loan
Smart Home Loan
SmartPack Smart Home Loan 250k+
Line of Credit Variable
Vantage Offset Equity
5.94%
5.85%
5.50%
5.04%
6.05%
7.04%
6.05%
5.85%
5.64%
5.71%
5.33%
5.19%
5.04%
6.09%
6.03%
5.95%
6.09%
5.86%
5.46%
5.82%
5.82%
5.32%
5.95%
4.99%
















































90%
95%
80%
80%
90%
80%
90%
95%
80%
85%
85%
90%
90%
90%
80%
80%
80%
90%
90%
90%
90%
90%
90%
95%
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 3
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Revolving Line of Credit
Rate
Company Name
Product
(as at 1 March
2014)
Loan Fees (at $250k)
Mandatory
Interest
Maximum
Payments
LVR
Necessary Capitalisation
Maximum
Loan
Loan
Review
Period
Split
Facility
Upfront
Ongoing
($)
($)
5.75%
5.70%
6.20%
5.37%
5.97%
5.42%
5.42%
5.69%
5.79%
5.95%
5.72%
5.77%
6.10%
6.14%
5.99%
5.74%
5.19%
6.25%
5.69%
6.13%
Nil
Nil
650
Nil
900
Nil
Nil
Nil
595
870
649
547
750
800
600
300
Nil
650
600
750
9.00/m
350/a
8.00/m
375/a
8.00/m
395/a
25/m
330/a
8.00/m
20.00/m
Nil
100.00/a
12.00/m
14.00/m
10.00/m
10.00/m
350.00/a
Nil
150.00/a
10.00/m








































90%
90%
90%
95%
95%
80%
80%
80%
80%
90%
95%
95%
80%
90%
90%
90%
80%
80%
90%
92%
No Max
500000
No Max
No Max
No Max
500000
500000
No Max
No Max
No Max
500000
No Max
No Max
No Max
3250000
No Max
3000000
No Max
No Max
No Max
a
a
a
a
a
N/A
N/A
a
a
N/A
N/A
N/A
N/A
N/A
N/A
a
N/A
a
a
s




















5.84%
5.39%
5.69%
934
1095
595
Nil
150.00/a
12.50/m






80%
90%
80%
No Max
5000000
No Max
a
N/A
N/A




Newcastle Permanent
Real Equity
P&N Bank
Easypay Plus Equity Access Account 150
P&N Bank
Equity Access Account
People's Choice Credit Union Home Loan Package Line of Credit 250k+
People's Choice Credit Union Line of Credit
QT Mutual Bank
Choices Home Loan Overdraft 250-499k
QT Mutual Bank
Teachers' Life Home Loan Overdraft 250Queensland Country Credit UnUltimate Home Loan Line of Credit 150k+
Queenslanders CU
Home Action Account
RAMS
Line Of Credit
Line Of Credit
RESI Mortgage Corp
SCU
Home Equity Overdraft
SERVICE ONE Members BanHomePlus Line of Credit
St.George Bank
Portfolio Loan
Access Equity
Suncorp Bank
The Mutual
Express Credit Facility
Rock Star Line of Credit
The Rock Building Soc
Unicredit-WA
Equity Access
Victoria Teachers Mutual BankEquity Line of Credit
Westpac
Equity Access Loan

ADCU
Austral Mortgage
bankmecu
Home Equity Loan
Homebuyer Plus LOC
Home Equity
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 4
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Revolving Line of Credit
Rate
Company Name
Product
Loan Fees (at $250k)
(as at 1 March
2014)
Upfront
Ongoing
($)
($)
5.87%
6.36%
5.73%
6.56%
5.54%
5.90%
5.74%
5.80%
5.79%
5.73%
5.94%
5.89%
5.70%
5.52%
5.52%
5.72%
5.72%
6.02%
6.19%
6.16%
5.95%
6.19%
5.25%
5.50%
Nil
895
600
649
805
795
Nil
1020
845
600
400
702.5
1045
Nil
Nil
Nil
Nil
644
500
275
Nil
800
855
545
325.00/a
10.00/m
Nil
12.00/m
5.00/m
Nil
300.00/a
Nil
5.00/m
Nil
Nil
150.00/a
7.00/m
395/a
25/m
395/a
25/m
Nil
100.00/a
Nil
385/a
12.00/m
Nil
395/a
Mandatory
Interest
Maximum
Payments
LVR
Necessary Capitalisation
Maximum
Loan
Loan
Review
Period
Split
Facility
No Max
No Max
No Max
1000000
No Max
3000000
1500000
No Max
No Max
No Max
750000
2000000
No Max
500000
500000
500000
500000
No Max
No Max
1000000
2000000
3000000
No Max
500000
N/A
N/A
N/A
N/A
a
N/A
N/A
q
a
N/A
a
a
a
N/A
N/A
N/A
N/A
N/A
a
N/A
N/A
N/A
N/A
N/A

























Bankwest
Equity Access
BOQ
Come-N-Go Line of Credit
All In One
Catalyst Money
Citibank
Mortgage Power LOC
Coastline Credit Union
Home Equity Access 150k+
Equity Line of Credit
CUA
Defence Bank
Smart Mover
ECU Australia
Mortgage Eliminator
Horizon Credit Union
HandyLoan
All In One
Illawarra CU NSW
Intech Credit Union
Mortgage Master
Cash on Hand Line of Credit
MyState
Police Bank
Equity Maximiser Variable
QT Mutual Bank
Choices Home Equity Loan Variable 250QT Mutual Bank
Teachers' Life Home Equity Loan Variable
QT Mutual Bank
Choices Home Equity Overdraft Variable
QT Mutual Bank
Teachers' Life Home Equity Overdraft Var
QT Mutual Bank
Home Loan Overdraft
Queensland Country Credit UnLine of Credit
The Capricornian
Mortgageline
The Capricornian
My Advantage Mortgageline 50k+
The Rock Building Soc
Line of Credit Variable
Mortgage Secured Personal Loan
Unicredit-WA
Wide Bay Australia
Freedom Package Line of Credit 250-499
















































90%
90%
80%
90%
90%
80%
80%
95%
80%
80%
80%
80%
90%
95%
95%
80%
80%
80%
80%
95%
95%
80%
95%
90%
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 5
Home Loan Star Ratings
Report Date: MARCH 2014
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always
possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Revolving Line of Credit
Rate
Company Name
Product
Loan Fees (at $250k)
(as at 1 March
2014)
Upfront
Ongoing
($)
($)
8.23%
6.70%
6.12%
6.32%
5.87%
6.30%
990
855
600
600
1010
750
10.00/m
10.00/m
Nil
Nil
Nil
15.00/m
Mandatory
Interest
Maximum
Payments
LVR
Necessary Capitalisation
Maximum
Loan
Loan
Review
Period
Split
Facility
No Max
No Max
No Max
No Max
832406
3500000
a
N/A
N/A
N/A
N/A
N/A







Bank of Sydney
Equity Maximiser
Amortising Equity Variable
Qld Professional CU
QT Mutual Bank
Home Equity Loan Variable
QT Mutual Bank
Home Equity Overdraft Variable
Transport Mutual Credit UnionHome Equity
Wide Bay Australia
Line of Credit












80%
90%
95%
80%
80%
90%
your guide to product excellence
Report Date: March, 2014 (All information correct as at 1 March 2014)
HOME LOAN STAR RATINGS 2014 - PAGE 6