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Great Southern Bank Basic Variable

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $100,000 and $5,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 70% $100,000 $5,000,000
Owner Occupier Principal & Interest 70%-80% $100,000 $5,000,000
Owner Occupier Principal & Interest 80%-90% $100,000 $5,000,000
Owner Occupier Principal & Interest 90%-95% $100,000 $5,000,000
Owner Occupier Interest Only < 70% $100,000 $5,000,000
Owner Occupier Interest Only 70%-80% $100,000 $5,000,000
Owner Occupier Interest Only 80%-90% $100,000 $5,000,000
Investor Principal & Interest < 70% $100,000 $5,000,000
Investor Principal & Interest 70%-80% $100,000 $5,000,000
Investor Principal & Interest 80%-90% $100,000 $5,000,000
Investor Interest Only < 70% $100,000 $5,000,000
Investor Interest Only 70%-80% $100,000 $5,000,000
Investor Interest Only 80%-90% $100,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 70%
    Loan: $100,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $100,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $100,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $100,000 $5,000,000
  • Owner Occupier (Interest Only)
    LVR < 70%
    Loan: $100,000 $5,000,000
  • Owner Occupier (Interest Only)
    LVR 70%-80%
    Loan: $100,000 $5,000,000
  • Owner Occupier (Interest Only)
    LVR 80%-90%
    Loan: $100,000 $5,000,000
  • Investor (Principal & Interest)
    LVR < 70%
    Loan: $100,000 $5,000,000
  • Investor (Principal & Interest)
    LVR 70%-80%
    Loan: $100,000 $5,000,000
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $100,000 $5,000,000
  • Investor (Interest Only)
    LVR < 70%
    Loan: $100,000 $5,000,000
  • Investor (Interest Only)
    LVR 70%-80%
    Loan: $100,000 $5,000,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $100,000 $5,000,000
Rate
6.14% p.a.
Comparison Rate
6.20% p.a.
Service fee
Upfront fee
$835
Rate
6.19% p.a.
Comparison Rate
6.25% p.a.
Service fee
Upfront fee
$835
Rate
6.44% p.a.
Comparison Rate
6.50% p.a.
Service fee
Upfront fee
$835
Rate
6.94% p.a.
Comparison Rate
7.00% p.a.
Service fee
Upfront fee
$835
Rate
6.20% p.a.
Comparison Rate
6.19% p.a.
Service fee
Upfront fee
$835
Rate
6.94% p.a.
Comparison Rate
6.47% p.a.
Service fee
Upfront fee
$835
Rate
7.44% p.a.
Comparison Rate
6.83% p.a.
Service fee
Upfront fee
$835
Rate
6.34% p.a.
Comparison Rate
6.40% p.a.
Service fee
Upfront fee
$835
Rate
6.39% p.a.
Comparison Rate
6.45% p.a.
Service fee
Upfront fee
$835
Rate
6.64% p.a.
Comparison Rate
6.70% p.a.
Service fee
Upfront fee
$835
Rate
6.54% p.a.
Comparison Rate
6.49% p.a.
Service fee
Upfront fee
$835
Rate
6.64% p.a.
Comparison Rate
6.56% p.a.
Service fee
Upfront fee
$835
Rate
7.04% p.a.
Comparison Rate
6.88% p.a.
Service fee
Upfront fee
$835

Mozo editorial review Great Southern Bank Basic Variable - last updated: 31 January 2024

binocular icon
What's hot
  • Variable rates start from 6.14% p.a. (6.20% p.a. comparison rate*)
  • Free unlimited extra repayments
What's not
  • No offset account
Mozo snapshot

With no ongoing fees, unlimited extra repayments, and competitive rates from 6.14% p.a. (6.20% p.a. comparison rate*), Great Southern Bank’s Basic Variable Home Loan could be a good choice for all types of home buyers. You'll be able to borrow between $100,000 and $5 million, and you can choose between making weekly, fortnightly and monthly repayments, allowing you to coordinate your payments to your pay cycle.

key icon
Key features

The Basic Variable Home Loan from Great Southern Bank is available for owner occupiers and investors looking to either take out a new loan or refinance their existing one. The rates below are available to borrowers with a loan-to-value ratio of at least 80%. While the bank does offer loans to borrowers with a higher LVR, these might not be available to refinancers.

  • 6.14% p.a. (6.20% p.a. comparison rate*) at 70% LVR for owner occupiers making principal and interest repayments.

  • 6.34% p.a. (6.40% p.a. comparison rate*) at 70% LVR for investors making principal and interest repayments.

There are no ongoing fees, but there are a few upfront costs including a $600 application fee and a $235 settlement fee. A $500 discharge fee will also apply once you end your loan. You could have the establishment/application fee waived though by applying online to buy an existing property or to refinance between 31/8/2023 and 29/2/2024 and settling before 31 May 2024 (minimum loan amount of $100,000).

Borrowers will be happy to hear you can make extra repayments on your loan without having to worry about any limits or penalties. There is also a free redraw facility with no minimum or maximum redraw amount.

snapshot
Who is it good for

This loan could be a good fit for refinancers with a deposit of 20% or above.

question icon
Any catches

While there are a number of useful features on this loan, borrowers looking to make their savings work for them should be mindful that there is no offset account available. 

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.14% p.a.

n/a

n/a

n/a

6.20% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.19% p.a.

n/a

n/a

n/a

6.25% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.44% p.a.

n/a

n/a

n/a

6.50% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

80.00%

90.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.94% p.a.

n/a

n/a

n/a

7.00% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

90.00%

95.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.20% p.a.

n/a

n/a

n/a

6.19% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

none

70.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.94% p.a.

n/a

n/a

n/a

6.47% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

70.00%

80.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.44% p.a.

n/a

n/a

n/a

6.83% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

80.00%

90.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.34% p.a.

n/a

n/a

n/a

6.40% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.39% p.a.

n/a

n/a

n/a

6.45% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.70% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

80.00%

90.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.54% p.a.

n/a

n/a

n/a

6.49% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

none

70.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.56% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

70.00%

80.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.04% p.a.

n/a

n/a

n/a

6.88% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$600.00

n/a

n/a

$235.00

n/a

n/a

$500.00

Other financial bits

$100,000

$5,000,000

80.00%

90.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

no

none

$0 Establishment fee when you apply online to buy an existing property or to refinance between 31st August 2023 and 29/2/2024 and settle before 31 May 2024, minimum loan amount of $100,000.

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Great Southern Bank home loans rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
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Latest reviews of Great Southern Bank Basic Variable Home Loan

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Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

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Unloan

Variable

5.99% p.a.

5.90% p.a.

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Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

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Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

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ubank

Flex Home Loan Fixed

p.a.

6.37% p.a.

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Aussie

Elevate

6.09% p.a.

6.20% p.a.

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ubank

Flex Home Loan

6.24% p.a.

6.48% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

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Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

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ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

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ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

$10.00 monthly

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HSBC

Home Value Loan

6.09% p.a.

6.09% p.a.

$0.00

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Aussie

Elevate

6.09% p.a.

6.20% p.a.

$0.00

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G&C Mutual Bank

First Home Buyer Loan

5.90% p.a.

5.93% p.a.

$0.00

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Community First Bank

Basic Variable Home Loan

5.94% p.a.

5.99% p.a.

$0.00

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Unity Bank

First Home Buyer Advantage Plus Home Loan

5.99% p.a.

6.76% p.a.

$0.00

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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