| | Vantage Offset Home Loan Package | Advantage - 1 Year Fixed | Advantage - 2 Years Fixed | Advantage - 3 Years Fixed | Vantage - 2 Year Fixed | Toggle Advantage - 1 Year Fixed | Toggle Advantage - 2 Years Fixed | Toggle Advantage - 3 Years Fixed | Vantage - 1 Year Fixed | Advantage Home Loan | Advantage Equity Gold | Toggle Advantage - 4 Years Fixed |
Interest Rate: | 5.76% p.a. | 5.79% p.a. | 5.79% p.a. | 5.79% p.a. | 5.93% p.a. | 5.98% p.a. * | 5.98% p.a. * | 5.98% p.a. * | 6.03% p.a. | 6.16% p.a. | 6.26% p.a. | 6.28% p.a. * |
| Comparison Rate: | 6.55% p.a. | 6.15% p.a. | 6.11% p.a. | 6.08% p.a. | 7.84% p.a. | 6.18% p.a. | 6.16% p.a. | 6.15% p.a. | 7.59% p.a. | 6.21% p.a. | 6.44% p.a. | 6.24% p.a. |
Annual Fee: | $375.00 | $0.00 | $0.00 | $0.00 | $375.00 | $0.00 | $0.00 | $0.00 | $375.00 | $0.00 | $150.00 | $0.00 |
| Interest Rate Options: | Variable, Fixed, Split | | | | Fixed | Variable, Toggle, Fixed, Interest Only, Split | Variable, Toggle, Fixed, Interest Only, Split | Variable, Toggle, Fixed, Interest Only, Split | Fixed | Variable, Fixed, Interest Only, Split | Variable, Interest Only, Split, LOC | Variable, Toggle, Fixed, Interest Only, Split |
| Minimum Loan Amount: | $50,000.00 | $750,000.00 | $750,000.00 | $750,000.00 | $10,000.00 | $750,000.00 | $750,000.00 | $750,000.00 | $10,000.00 | $750,000.00 | $20,000.00 | $750,000.00 |
| Maximum Loan To Property Value: | 95% | 95% | 95% | 95% | 80% | 95% | 95% | 95% | 80% | 95% | 95% | 95% |
| Loan Term: | | | | | Up to 30 years | | | | Up to 30 years | | | |
| Application Fee: | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 | $300.00 |
| Settlement Fee: | $275.00 | $250.00 | $250.00 | $250.00 | $200.00 | $250.00 | $250.00 | $250.00 | $200.00 | $250.00 | $250.00 | $250.00 |
| Redraw Facility: | Yes | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Additional Repayment Allowed: | Yes | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Family Pledge: | No | No | No | No | No | No | No | No | No | No | No | No |
| Low Doc Option: | No | No | No | No | No | No | No | No | No | No | No | No |
| Portability: | | | | | $645 per move | | | | $645 per move | | | |
| Transactions Per Month: | | | | | $20 worth of transactions per month(conditions apply) | | | | $20 worth of transactions per month(conditions apply) | | | |
| Bridging Capabilities: | No | No | No | No | No | No | No | No | No | No | No | No |
| Suitable For Companies And Trusts: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Construction: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Progress Draws For Construction: | | | | | n/a | | | | n/a | | | |
| Parental Leave: | No | No | No | No | No | No | No | No | No | No | No | No |
| Reduced Repayment: | No | No | No | No | No | No | No | No | No | No | No | No |
| Repayment Holiday: | No | No | No | No | No | No | No | No | No | No | No | No |
| Top-up: | | | | | $670 each | | | | $670 each | | | |
| Cash Back: | | | | | n/a | | | | n/a | | | |
| Monthly Access Fee: | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Australia Post Deposit: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Bpay In: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Direct Credit: | Yes | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Direct Salary Credit: | Yes | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Unlimited Free Direct Debits: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| 3rd party Direct Debit (Money Out): | Yes | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Credit Card Sweep Capability: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| 3rd Party Protocol Friendly: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Bpay Out: | Yes | No | No | No | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Debit Card: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Telegraphic Transfer: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Electronic Link to Nominated Account(s): | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Unlimited Free LoanPal Redraws (to nominated account): | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Pay-Anyone EFT: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
| Number of Free Splits: | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capitalise Interest: | No | No | No | No | No | No | No | No | No | No | Yes | No |
| Visa Card: | No | No | No | No | Yes | No | No | No | Yes | No | No | No |
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