Mozo Experts Choice Awards

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2 Mozo Experts Choice Awards The Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers. Product providers don t pay to be in the running and we don t play favourites. Our judges base their decision on hard-nosed calculations of value to the consumer, using Mozo s extensive product database and research capacity. Every day, Mozo keeps track of thousands of products in banking, insurance and energy. Within each category, awards are typically given to the top 10% of products. All winning products are deemed worthy of consideration as a good value product in that category; we do not publish a ranking of products within the winners list. Additional awards may also be given to recognise a product provider who has performed strongly in a broader range of product areas than any other. 1

3 What products do we consider? In carrying out the Mozo Experts Choice Awards in Home Loans we analysed 525 products issued by 88 Australian lenders based on data contained in Mozo s product database as at 22nd February We aim to include most providers in the market in the Mozo Experts Choice Awards. However, not every product on the market will be included in our review. Any product we review must be available in the market at the time of our analysis and any offers included must be available to the general public on the provider s website. Best value for customers Mozo Experts Choice Awards are generally conferred on the top 10% of products, but no more than 10, in each category. Where the same product is available from a number of related institutions all institutions are given the award. Best Big 4 offers To recognise that some people would prefer to conduct their banking with a product offered by one of the 'big 4' banks we aim to award a 'big 4' product in each category. Where none appears in the winner group the highest ranked product offered by a big 4 bank is awarded, providing all criteria for that award has been met. Any awards of this type are noted as such at the bottom of the results list for the category. Best overall provider To recognise the provider that has been the most successful in these awards, we may award an overall provider of the year award. The award would go to a provider that has won awards in a larger and / or broader 2

4 range of categories, including any award categories the judges consider to be a must-have category. Where award wins do not identify a clear winner, the judges will consider rankings of all providers in all categories. 3

5 Mozo Experts Choice Awards Home Loan Winners 2018 Low Cost Home Loan BankSA/Bank of Melbourne FreedomLend Gateway Credit Union Homestar HSBC Basic Home Loan Variable Home Loan Low Rate Essentials Home Loan Variable Rate Loan Discounted Home Value Loan loans.com.au Essentials Variable 80 Police Credit Union Reduce Home Loans Reduce Home Loans Tic:Toc ANZ (Major Bank Award) The Better Home Loan Rate Buster Offset Variable Rate Buster High Lend Variable Variable Home Loan Simplicity PLUS Offset Home Loan CUA FreedomLend Homestar Advance Variable Home Loan Variable Home Loan Variable Rate Loan loans.com.au Offset Variable 80 Mortgage House Police Credit Union Reduce Home Loans State Custodians Tic:Toc Virgin Money Advantage Home Loan 80 PAYG Special The Better Home Loan Rate Buster High Lend Variable Low Rate Home Loan with Offset Variable Home Loan Reward Me Variable Rate Home Loan 4

6 ANZ (Major Bank Award) Variable Rate (Breakfree Package) Packaged Home Loan Credit Union SA Greater Bank Heritage Bank ING Macquarie ME Newcastle Permanent People s Choice Credit Union Qudos Bank Suncorp ANZ (Major Bank Award) Variable Rate Home Loan Special Offer (Package) Discount Ultimate Home Loan (Package) Variable Rate Loan (Home Advantage) Orange Advantage (Package) Offset Home Loan (Package) Flexible Home Loan (Member Package) Discounted Variable Home Loan (Premium Plus Package) Variable Home Loan (Package) Low Cost Home Loan (Package) Standard Variable Rate Home Loan (Home Package Plus) Variable Rate (Breakfree Package) First Home Buyer Loan BankSA/BoM/St.George BankVic CUA Greater Bank HSBC IMB Bank Police Credit Union RACQ Bank State Custodians Suncorp Basic Home Loan First Home Buyer (Package) Advance Variable Home Loan Discount Great Rate Home Loan Discounted Home Value Loan Budget Home Loan Special The Better Home Loan Mortgage Saver Special Low Rate Home Loan with Offset Back to Basics Special 5

7 ANZ (Major Bank Award) Simplicity PLUS Gateway Credit Union Greater Bank Greater Bank ING Newcastle Permanent Newcastle Permanent QBANK Qudos Bank RACQ Bank Teachers Mutual Bank/UniBank NAB (Major Bank Award) Special (Premium Package) Discount Great Rate Home Loan Discount Ultimate Home Loan (Package) Fixed Rate Loan (Orange Advantage Package) (Premium Plus Package) Fixed Rate Fixed Rate (Choices Package) Fixed Option Home Loan Tailored Home Loan (Choice Package) Split Home Loan FreedomLend Gateway Credit Union Greater Bank Greater Bank /Variable Home Loan Fixed rate Home Loan Special/Variable rate Home Loan (Premium Package) Discount Great Rate Home Loan/Discount Great Rate Home Loan Discount Ultimate Home Loan/Discount Ultimate Home Loan imortgage Elite Fixed/Elite 80 imortgage Fusion 80/Fusion 80 ING Newcastle Permanent Fixed Rate Loan (Orange Advantage)/Orange Advantage (Premium Plus Package)/Discounted Variable Home Loan 6

8 (Premium Plus Package) Police Credit Union Qudos Bank ANZ (Major Bank Award) /The Better Home Loan /No Frills Home Loan /Simplicity PLUS Investor Home Loan firstmac FreedomLend Homestar Vital 80 (Investor Package) Variable Home Loan Variable Rate Loan imortgage Fusion 80 loans.com.au Essentials Variable 80 loans.com.au Northern Inland Credit Union QBANK State Custodians UBank NAB Smart Loan Package Dream Value Home Loan (Package) Discounted Classic Home Loan Low Rate Home Loan with Offset UHomeLoan - Discount Offer for Investors Base Variable Rate Home Loan Investor Aussie BankSA/BoM/St.George Defence Bank Newcastle Permanent P&N Bank RACQ Bank Tic:Toc UBank Virgin Money Select Basic Fixed (Advantage Package) Ultimate Home Loan (Package) (Premium Plus Package) Fixed Rate (Choices Package) UHomeLoan Reward Me 7

9 Westpac Fixed Rate Investment Loan (Premier Advantage Package) Home Loan Innovation Tic:Toc Home Lender of the Year Newcastle Permanent Online Home Lender of the Year FreedomLend Major Bank Home Lender of the Year ANZ 8

10 How are the winners determined? Awards were judged using the following methodology and in the following categories. A. Cost calculation methodology For variable rate loans, we assumed a 25 year loan is held for 5 years at current interest rates and then discharged. Loans were ranked in order of the total interest and mandatory fees that would be paid in that scenario. Mandatory fees include application or establishment fees, valuation fees, legal fees, settlement fees, regular service fees and discharge fee. Any loans where the fees listed above could not be determined were excluded from the awards. We assumed owner occupiers make principal & interest repayments, and for investors we used the average of a principal & interest and an interest only calculation. For fixed rate loans, we performed the same calculation but assuming the loan was only held for the fixed rate period and determined the annual cost. We performed this calculation for each fixed rate period available on the product, took the 3 lowest cost results from each product, then averaged and ranked them. Providers with less than 3 fixed rate options were excluded from consideration. Split loans assume a 50/50 variable/fixed weighting. Investor loans were assessed with equal weighting applied to both principal & interest and interest only rates. 9

11 All calculations were performed three times using the rates and fees applicable at 22 December 2017, 22 January 2018, and 22 February Any products not available at each of these three dates were not eligible to win an award. The results of these calculations were then averaged and ranked. Prior to averaging across different scenarios, loans costs were standardised by applying a factor to interest costs so that loans of different sizes could be weighted equally, and by annualising each cost so that loans of different terms could be weighted equally. B. Award categories Low cost home loan Recognises the lowest cost variable rate home loans for owner occupiers. To qualify for this award, loans must: allow a loan-to-value ratio of 80%; have a variable interest rate; be available for a loan of $350,000; allow principal & interest repayments. Offset home loan Recognises the lowest cost variable rate loan with offset account for owner occupiers. To qualify for this award, loans must: allow a loan-to-value ratio of 80%; have a variable interest rate; be available for a loan of $350,000; 10

12 allow principal & interest repayments; offer a 100% offset account. Packaged home loan Recognises the lowest cost variable rate packaged home loan for owner occupiers. To qualify for this award, loans must: allow a loan-to-value ratio of 80%; have a variable interest rate; allow principal & interest repayments; offer a 100% offset account; offer a credit card with no annual fee; offer a bank account with no service fee. For this category the cost calculations detailed above were performed three times using the rates that would apply for three different loan amounts - $350,000, $550,000 and $850,000. First home buyer loan Recognises the lowest cost home loans for owner occupiers that are available for borrowers with less than 20% deposit. To qualify for this award, loans must: allow a loan-to-value ratio of 90%; have a variable interest rate; be available for a loan of $350,000; allow principal & interest repayments. Fixed rate home loan 11

13 Recognises the lowest cost fixed rate loans for owner occupiers. To qualify for this award, loans must: allow a loan-to-value ratio of 80%; have at least three fixed rate terms; be available for a loan of $350,000; allow principal & interest repayments. Split home loan Recognises the lowest cost home loans for owner occupiers that want to have part of their loan on a variable rate and part on a fixed rate. To qualify for this award, loans must: allow a loan-to-value ratio of 80%; allow the interest rate to be split between variable and fixed portions; be available for a loan of $350,000; allow principal & interest repayments. Investor home loan Recognises the lowest cost variable rate loans for investors. To qualify for this award, loans must: allow a loan-to-value ratio of 80%; have a variable interest rate; be available for a loan of $350,000; offer both principal & interest and interest only repayment options. Investor fixed home loan Recognises the lowest cost fixed rate loans for investors. 12

14 To qualify for this award, loans must: allow a loan-to-value ratio of 80%; have at least 3 fixed rate terms; be available for a loan of $350,000; offer both principal & interest and interest only repayment options. Home Loan Innovation Online lender Tic:Toc launched with the unique proposition of achieving approval for a home loan in 22 minutes. The lender has done this through the creation of an automated assessment process, including obtaining financials directly from the customer s bank account. While some caveats apply about the type of loans and borrowers the system can be used for, a large number of borrowers will be able to have their loan approved in a timeframe that was unimaginable only a few years ago. Home Lender of the Year Online Home Lender of the Year Major Bank Home Lender of the Year These categories recognise the providers with the best performing product range across all the categories in these awards. The judges first consider the number of product awards won by each provider, to see if one provider stands out in terms of the number of awards and the breadth of categories won. If there is no clear winner, the judges then consider each provider s best-ranked product in each category - to identify the providers that have the best average rankings across all categories and to examine any strengths of weaknesses in their product range. 13

15 Lenders needed to offer a range of solutions including fixed rate options and loans to investors, to be eligible for these awards. 14

16 How we manage conflicts of interest Mozo Experts Choice Awards are based on objective verifiable facts and analysis wherever possible, and any assumptions made are set out in this report. Mozo s research team analyses product data and determines the winners in each Mozo Experts Choice category without reference to Mozo s sales or commercial functions. A provider can participate in the Mozo Experts Choice Awards free of charge. Mozo charges a licence fee to providers should they wish to use the Mozo Experts Choice Awards badges in their own marketing activities. Mozo may also offer promotional packages that may be purchased. A product provider may also choose to list its products on the Mozo website in a way that may generate revenue for Mozo. Mozo Experts Choice awards are awarded irrespective of a product provider s commercial relationship with Mozo. 15

17 About Mozo Mozo Pty Ltd provides a comparison service with the goal of helping consumers to make their own financial decisions and save money. Mozo offers consumers a comprehensive product comparison service that across the retail banking market, general insurance, life insurance, business banking, and energy. Hundreds of thousands of Australians a month use Mozo s comparison service. Mozo s comparison technology and expertise has been used by some of Australia s largest online publishers. Mozo holds an Australian Financial Services Licence and an Australian Credit Licence. Mozo s management team have experience in consumer credit and financial services in a variety of roles from executive management, marketing, actuarial services and technology. Mozo s team are often called upon to provide expert media commentary in relation to the product areas they cover. Our Experts Choice Awards analysis is overseen by : AJ Duncanson is our Data Services Director. AJ has worked in financial services and product comparison for over 28 years in Australia and the UK and is a qualified actuary. Peter Marshall is our Product Data Manager. He has over 30 years experience in finance, including managing product data at other financial comparison sites before Mozo. AJ and Peter are both Responsible Managers on Mozo s Australian Financial Services Licence and Australian Credit Licence. 16

18 Important Information Under Mozo's Australian Credit and Financial Service Licence it is permitted to provide factual or general information that is sourced from external providers and not from Mozo itself. The information published in this report is of a general nature only and does not take into account your situation or needs. Before choosing a product, you should consider whether it s appropriate to you and you should read all the information available from the product provider. The information contained in this report is governed by Mozo's standard Terms of Use. To the extent permitted by law, you indemnify and agree to keep Mozo indemnified against any loss or claim arising out of your use of any information contained in this report. Where Mozo collects information such as rates, pricing and product information we make every effort to ensure that all information displayed is accurate. Mozo does not warrant that the information contained in this report will be faultless or that all of the information displayed will be completely accurate and we accept no liability whatsoever for any errors or omissions. Copyright 2018 Mozo Pty Ltd. All Rights Reserved. ABN: AFSL & ACL Level 11, 263 Clarence St, Sydney NSW

19 Appendix List of all issuers and names of products considered in the awards. Lender Adelaide Bank Adelaide Bank Adelaide Bank Adelaide Bank AMP AMP AMP AMP AMP AMP AMP AMP AMP AMP ANZ ANZ ANZ ANZ ANZ ANZ ANZ Arab Bank Australia Arab Bank Australia Arab Bank Australia Arab Bank Australia Arab Bank Australia Aussie Aussie Aussie Aussie Aussie Aussie Aussie Aussie Product SmartFit SmartFix SmartSaver SmartSaver Fixed Classic Line of Credit Classic Variable Rate Loan Essential Home Loan Fixed Rate Loan Fixed Rate Loan (Basic Package) Fixed Rate Loan (Professional Package) Introductory Classic Variable Rate Line of Credit (Professional Package) Variable Rate Loan (Basic Package) Variable Rate Loan (Professional Package) Equity Manager Equity Manager (Breakfree Package) Fixed Rate Fixed Rate (Breakfree Package) Simplicity PLUS Standard Variable Rate Variable Rate (Breakfree Package) Essentials Home Loan Fixed Rate HeadStart Home Loan Revolving Line of Credit The Basics IQ Basic Fixed IQ Basic Variable IQ Offset IQ Offset (Fixed) Select Basic (Fixed) Select Basic Variable Select Line of Credit Select Standard (Fixed) 18

20 Aussie Australian Military Bank Australian Military Bank Australian Military Bank Australian Military Bank Australian Military Bank Australian Unity Australian Unity Australian Unity Australian Unity Australian Unity Australian Unity Australian Unity Australian Unity Australian Unity Australian Unity Auswide Bank Auswide Bank Auswide Bank Auswide Bank Auswide Bank Auswide Bank Auswide Bank Auswide Bank Auswide Bank Bank Australia Bank Australia Bank Australia Bank Australia Bank Australia Bank Australia Bank Australia Bank First Bank First Bank First Bank First Bank First Bank First Bank First Bank of Melbourne Bank of Melbourne Select Standard Variable Investment Home Loan Investment Home Loan (Fixed) Value Home Loan Variable Offset Home Loan Health, Wealth and Happiness Fixed Rate Health, Wealth and Happiness Fixed Rate (Package) Health, Wealth and Happiness Variable Rate Health, Wealth and Happiness Variable Rate (Package) Kickstarter Home Loan Standard Variable Rate Wealth Builder Wealth Builder (Investor Package) Wealth Builder Fixed Rate Wealth Builder Fixed Rate (Package) (Freedom Package) Home Loan Plus (Freedom Package) Line of Credit Line of Credit (Freedom Package) RBA Rate Tracker Home Loan Special Discount Home Loan Plus (Fixed) (Freedom Package) Special Discount Home Loan Plus (Freedom Package) Basic Home Loan Basic Home Loan (Fixed) Line of Credit Premium Home Loan Premium Home Loan (Fixed) Premium Home Loan (Fixed, Package) Premium Home Loan (Package) Complete Complete Home Loan Education Home Loan (Fixed, Package) Education Home Loan (Package) Equity Line of Credit Standard Basic Home Loan 19

21 Bank of Melbourne Bank of Melbourne Bank of Melbourne Bank of Melbourne Bank of Melbourne Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Sydney Bank of Sydney Bank of Sydney Bank of us Bank of us Bank of us Bank of us Bank of us BankSA BankSA BankSA BankSA BankSA BankSA BankSA BankVic BankVic BankVic BankVic BankVic BankVic BankVic BankVic BankVic BankVic Bankwest (Advantage Package) Portfolio Loan Portfolio Loan (Advantage Package) Variable Home Loan (Advantage Package) Clear Path Line of Credit Clear Path Variable Rate Home Loan Economy First-Start Home Loan Fixed Rate Fixed Rate (Privileges Package) Line of Credit Line of Credit (Privileges Package) Standard Variable Rate Standard Variable Rate (Privileges Package) Expect More Home Loan (Fixed, Package) Expect More Home Loan (Package) Variable Rate Home Loan Flexichoice Home Loan Flexichoice Home Loan (Fixed) FlexiDiscount Home Loan FlexiDiscount Home Loan (Fixed) Topline Basic Home Loan (Advantage Package) Portfolio Loan Portfolio Loan (Advantage Package) Variable Home Loan (Advantage Package) Base Variable Home Loan Discount Variable Home Loan (Owner Occupier) First Home Buyer Package (Premium Package) Line of Credit Line of Credit (Premium Package) Offset Variable Home Loan (Premium Package) Complete Equity Home Loan (Package) 20

22 Bankwest Bankwest Bankwest Bankwest Bankwest Bankwest Bankwest bcu bcu bcu bcu bcu bcu bcu bcu bcu bcu Bendigo Bank Bendigo Bank Bendigo Bank Bendigo Bank Bendigo Bank Bendigo Bank Bendigo Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Big Sky Big Sky Big Sky Big Sky Citi Complete (Package) Complete Variable Home Loan (Package) Equaliser Home Loan Equity Access Home Loan Mortgage Shredder Premium Select Home Loan All in One Discounted Line of Credit All in One Line of Credit All in One Maximum Discounted Line of Credit Discounted Rate Home Loan First Home Buyers Special Maximum Discounted Rate Home Loan OMG Home Loan Basic Home Loan Basic Home Loan (Fixed) Fixed Rate Residential Fixed Rate Residential (Connect Package) Home Equity Loan Variable Rate Residential Variable Rate Residential (Connect Package) All-In-One Home Loan All-In-One Home Loan (Pinnacle +Plus) All-In-One Total Home Loan (Package) Basic Variable Home Loan (Pinnacle +Plus) Fixed Rate Total Home Loan (Package) Low Rate Special Variable Home Loan (Pinnacle +Plus) Variable Rate Total Home Loan (Package) Variable Rate Total Home Loan - New Money Offer (Package) Fixed Rate Premium CHOICE Fixed Rate Premium CHOICE Variable Rate Standard CHOICE Basic Variable 21

23 Citi Citi Citi Citi Citi Citi Click Loans Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Community First Credit Union Community First Credit Union Community First Credit Union Community First Credit Union Community First Credit Union Credit Union SA Credit Union SA Credit Union SA Credit Union SA Credit Union SA CUA CUA CUA CUA CUA CUA CUA CUA CUA CUA Fixed Rate Loan Fixed Rate Loan (Mortgage Plus) Mortgage Power Line of Credit Mortgage Power Line of Credit (Mortgage Plus) Standard Variable Standard Variable (Mortgage Plus) The Online Home Loan 1 Year Guaranteed 12 Month Discounted 3 Year Special Economiser Economiser Home Loan Extra Home Loan Extra Home Loan - 2 Year Introductory Rate Extra Home Loan - 4 Year Intro Rate (for First Home Buyers) Fixed Rate Fixed Rate (Wealth Package) No Fee Home Loan Standard Variable Rate Standard Variable Rate (Wealth Package) Viridian Line of Credit Viridian Line of Credit (Wealth Package) Accelerator Home Loan (Package) Basic Variable Home Loan Honeymoon Home Loan Discounted Home Loan (Package) Variable Rate Home Loan Variable Rate Home Loan (Package) Advance Variable Home Loan Basic Variable Rate Loan Equity Line of Credit Fixed Rate Loan Fresh Start Access Variable Home Loan Fresh Start Basic Variable Home Loan Fresh Start Variable Home Loan Kick Start Variable Home Loan Premium Fixed Rate Loan Rate Breaker (Package) 22

24 CUA Standard Variable Rate Loan Defence Bank Essentials Home Loan Defence Bank Essentials Home Loan (Fixed) Defence Bank Premier Home Loan Defence Bank Ultimate Home Loan (Fixed, Package) Defence Bank Ultimate Home Loan (Package) Easy Street Easy Street Honeymoon Home Loan Easy Street Endeavour Mutual Bank 2 Year Discounted Variable Home Loan Endeavour Mutual Bank First Home Buyers Loan Endeavour Mutual Bank Endeavour Mutual Bank Line of Credit Endeavour Mutual Bank Variable Home Loan firstmac Home Loan (Fixed, VIP Package) firstmac Home Loan (VIP Package) firstmac Home Loan Standard Variable firstmac Investor Package VIP firstmac Investor Package Vital firstmac Vital 80 FreedomLend FreedomLend Variable Home Loan G&C Mutual Bank Basic Home Loan G&C Mutual Bank Fixed Rate G&C Mutual Bank Premium Home Loan (Package) G&C Mutual Bank Standard Variable Gateway Credit Union EquitiSmart Home Loan Gateway Credit Union Gateway Credit Union (Premium Package) Gateway Credit Union Low Rate Essentials Home Loan Gateway Credit Union Variable Rate Home Loan Gateway Credit Union Variable Rate Home Loan (Premium Package) Goldfields Money Goldfields Money Special Rate Goldfields Money Standard Home Loan Greater Bank Great Rate Home Loan Greater Bank Great Rate Home Loan (Fixed) Greater Bank Line of Credit Greater Bank Ultimate Home Loan (Fixed, Package) Greater Bank Ultimate Home Loan (Package) Greater Bank Ultimate Line of Credit (Package) 23

25 Heritage Bank Heritage Bank Heritage Bank Heritage Bank Heritage Bank Heritage Bank Heritage Bank Homeloans Homeloans Homeloans Homeloans Homeloans Homeloans Homestar Homestar HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hunter United Hunter United Hunter United Hunter United Illawarra Credit Union Illawarra Credit Union Illawarra Credit Union Illawarra Credit Union Illawarra Credit Union Discount Variable Home Loan Fixed Loan Fixed Rate Loan (Home Advantage) Living Equity Living Equity (Home Advantage) Standard Variable Variable Rate Loan (Home Advantage) MoniPower MoniPower (Fixed) Optima Optima (Fixed) Ultra Plus Ultra Plus (Fixed) Fixed Rate Loan Variable Rate Loan (Premier) Home Equity Loan Home Equity Loan (Premier) Home Smart Loan Home Smart Loan (Premier) Home Value Loan Variable Home Loan Variable Home Loan (Premier) First Home Starters Loan (Package) (Property Package) Interest Saver Home Loan Introductory Rate Home Loan Introductory Rate Home Loan (Property Package) (Property Package) Basic Variable Home Loan Home Loan (Package) Platinum Home Loan Fixed Rate Lite Introductory Variable Home Loan Variable Home Loan Variable Lite 24

26 Illawarra Home Loans Illawarra Home Loans IMB Bank IMB Bank IMB Bank IMB Bank IMB Bank IMB Bank IMB Bank IMB Bank IMB Bank IMB Bank imortgage imortgage imortgage imortgage ING ING ING ING Liberty Liberty Liberty Liberty loans.com.au loans.com.au loans.com.au loans.com.au Macquarie Macquarie Macquarie Macquarie Macquarie Credit Union Macquarie Credit Union Macquarie Credit Union Macquarie Credit Union Macquarie Credit Union Macquarie Credit Union Macquarie Credit Union Maitland Mutual Building Society Maitland Mutual Building Society Bank Beater Home Loan Fast Track Home Loan (Fixed) Accelerator Home Loan Budget Home Loan Equity Line Advantage Essentials Home Loan (Platinum Package) Introductory Variable Home Loan Platinum Package Equity Line Variable Home Loan (Platinum Package) Elite Elite (Fixed) Fusion Fusion (Fixed) Fixed Rate Loan Fixed Rate Loan (Owner Occupiers with Orange Advantage) Mortgage Simplifier Orange Advantage (Package) Free Variable Home Loan Sharp Home Loan Star Home Loan Essentials Variable Offset Variable Smart Loan (Package) Basic Home Loan Basic Home Loan (Fixed) Offset Home Loan (Fixed, Package) Offset Home Loan (Package) Basic Home Loan First Home Buyers Home Loan Introductory Rate Home Loan Investment Variable Home Loan Power Home Loan (Package) Special Low Rate Home Loan Budget Home Loan 25

27 Maitland Mutual Building Society Maitland Mutual Building Society Maitland Mutual Building Society Maitland Mutual Building Society Maitland Mutual Building Society ME ME ME ME ME Mortgage House Mortgage House Mortgage House Mortgage House Mortgage House Move Move Move Move Move Move Move Move Mozo My Credit Union My Credit Union My Credit Union My Credit Union My Credit Union My Credit Union My Credit Union MyState MyState MyState MyState NAB NAB NAB NAB NAB NAB (Package) Mutual Home Loan Premium Home Loan Variable Home Loan (Package) Basic Home Loan Flexible Home Loan Flexible Home Loan (Fixed) Flexible Home Loan (Fixed, Member Package) Flexible Home Loan (Member Package) Advantage Home Loan Advantage Home Loan (Fixed) Advantage Home Loan Combo Special Advantage PAYG Special Advantage Standard Home Loan Economy Home Loan First Home Loan Lockit Home Loan (Fixed) myhome Package mywealth Package Standard Variable Rate Home Loan Straightforward Home Loan Wealth Builder Home Loan Mystery Bank Deal 1 Year Introductory 1 Year Introductory Variable Home Loan My Advantage Home Loan My My Home Loan My Ideal Home Loan Variable Offset Home Loan (Platinum Package) Basic Variable Fixed Rate Loan Special Residential Home Loan Base Variable Rate Home Loan Flexiplus Mortgage Flexiplus Mortgage (Choice Package) Portfolio Facility Tailored Home Loan Tailored Home Loan (Choice Package) 26

28 NAB NAB Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Northern Inland Credit Union Northern Inland Credit Union Northern Inland Credit Union Northern Inland Credit Union Northern Inland Credit Union P&N Bank P&N Bank P&N Bank P&N Bank P&N Bank P&N Bank People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union People's Choice Credit Union Police Bank Police Bank Police Bank Police Bank Police Bank Police Credit Union Police Credit Union Police Credit Union Police Credit Union Police Credit Union Police Credit Union Tailored Home Loan (Fixed) Tailored Home Loan (Fixed, Choice Package) (Premium Plus Package) Premium Variable Home Loan Real Deal Home Loan Real Equity Line of Credit Real Equity Line of Credit (Premium Plus Package) Real Options Home Loan Variable Home Loan (Premium Plus Package) Basic Home Loan Dream Value Home Loan (Package) (Fixed) Smart Home Loan Value Home Loan (Package) & Home Loan (Package) Easypay Home Loan Equity Access Simple Home Loan Smooth Home Loan Basic Variable Home Loan First Home Buyer Fixed Rate Loan (Package) Fixed Rate Loan (Package) Line of Credit Line of Credit (Package) Standard Variable Rate Loan Variable Home Loan (LVR<80%) (Package) Variable Home Loan (Package) Goldrate Home Loan (Package) Police Value Home Loan Police Value Home Loan (Fixed) Premium Home Loan Premium Home Loan (Fixed) Better Better Special Variable Home Loan (Package) Discount Variable Rate Home Loan The Better Home Loan 27

29 QBANK QBANK QBANK QBANK QBANK QBANK Qudos Bank Qudos Bank Qudos Bank Qudos Bank Qudos Bank Qudos Bank Queensland Country Credit Union Queensland Country Credit Union Queensland Country Credit Union Queensland Country Credit Union Queenslanders Credit Union Queenslanders Credit Union Queenslanders Credit Union Queenslanders Credit Union Queenslanders Credit Union RACQ Bank RACQ Bank RACQ Bank RACQ Bank RACQ Bank RAMS RAMS RAMS RAMS RAMS Reduce Home Loans Reduce Home Loans Reduce Home Loans Reduce Home Loans Reduce Home Loans Regional Australia Bank Regional Australia Bank Regional Australia Bank Regional Australia Bank Regional Australia Bank Classic Home Loan Classic Plus Home Loan (Package) Classic Plus Mortgage Secured Overdraft (Package) Fixed Rate Mortgage Secured Overdraft Standard Variable Rate Home Access Loan Low Cost Home Loan (Package) No Frills Home Loan Qantas Points Home Loan (Package) Variable Rate Home Loan Discount Ultimate Home Loan (Package) First Home Buyer Ultimate Home Loan Package (Fixed) Variable Rate Home Loan Special Original Home Loan Ultimate Home Loan Ultimate Home Loan Special Fixed Rate Fixed Rate (Choices Package) Mortgage Breaker Mortgage Saver Special Variable Rate (Choices Package) Fixed Rate Full Feature Line of Credit Low Rate Value Advantage (Package) Fixed Rate Wealth Maximizer Investor Rate Buster High Lend Variable Rate Buster High Lend Variable Rate Buster Variable Rate Lovers Variable Home Loan Basic Home Loan (Partnership Advantage) Home Loan (Partnership Advantage) Mortgage Offset Home Loan Steady Rate Home Loan 28

30 Regional Australia Bank Resi Resi Resi Resi SCU SCU SCU SCU SCU SCU SCU Southern Cross Credit Union Southern Cross Credit Union Southern Cross Credit Union Southern Cross Credit Union Southern Cross Credit Union Southern Cross Credit Union St.George St.George St.George St.George St.George St.George St.George State Custodians State Custodians State Custodians Suncorp Suncorp Suncorp Suncorp Suncorp Suncorp Suncorp Suncorp Suncorp Suncorp Teachers Mutual Bank Teachers Mutual Bank Sustainable Home Loan Flexi Options Home Loan Flexi Options Home Loan (Fixed) Smart Pro Smart Pro (Fixed) Basic Variable Home Loan First Home Buyer Loan My Life Home Loan (Fixed, Package) My Life Home Loan (Package) Pro Pack Home Loan Standard Variable Rate Home Loan Platinum Home Loan Platinum Home Loan (Fixed) Platinum Home Loan - Professional Platinum Home Loan - Professional (Fixed) Variable Home Loan Basic Home Loan (Advantage Package) Portfolio Loan Portfolio Loan (Advantage Package) Variable Home Loan (Advantage Package) Low Rate Home Loan with Offset Low Rate Line of Credit Access Equity Access Equity Line of Credit (Home Package Plus) Back to Basics (Home Package Plus) First Home Buyer (Home Package Plus) First Home Buyer (Home Package Plus) Special Offer (Home Package Plus) Standard Variable Loan Standard Variable Loan (Home Package Plus) Classic Home Loan Fixed Option Home Loan 29

31 Teachers Mutual Bank Teachers Mutual Bank Teachers Mutual Bank Teachers Mutual Bank The Rock The Rock The Rock The Rock Tic:Toc Tic:Toc UBank UBank UBank UBank UniBank UniBank UniBank UniBank UniBank Unity Bank Unity Bank Unity Bank Unity Bank Virgin Money Virgin Money Westpac Westpac Westpac Westpac Westpac Westpac Westpac Westpac Westpac Westpac Westpac Westpac Yellow Brick Road Yellow Brick Road Yellow Brick Road Yellow Brick Road Flexi Choice Home Loan Interest Only Variable Home Loan My First Home Loan Solutions Plus Home Loan (Rewards Package) Basic Variable Essentials Home Loan Fixed Rate Loan Standard Variable Rate Loan Variable Home Loan UHomeLoan UHomeLoan (Fixed) UHomeLoan - Investor Extra Offer UHomeLoan - Offer Classic Home Loan Fixed Option Home Loan Flexi Choice Home Loan My First Home Loan Solutions Plus Home Loan (Rewards Package) All in One Home Loan All in One Home Loan (Package) First Rate Home Loan Fixed Rate Reward Me Reward Me Variable Rate Home Loan Equity Access Equity Access (Premier Advantage Package) Fixed Options Home Loan Fixed Options Home Loan (Premier Advantage Package) Fixed Rate Investment Loan Fixed Rate Investment Loan (Premier Advantage Package) Flexi First Option Home Loan Flexi First Option Investment Loan Rocket Investment Loan Rocket Investment Loan (Premier Advantage Package) Rocket Repay Home Loan Rocket Repay Home Loan (Premier Advantage Package) Empower Home Loan Empower Home Loan (Fixed) Empower Package (Offset) Rate Smasher 30

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