one direct

Name	one direct variable loan	one direct fixed loan	one direct equity loan
Interest Rate	6.97% p.a.	3 year fixed rate 7.09% p.a.	7.16% p.a.
Comparison Rate	6.97% p.a.	3 year fixed rate 7.01% p.a.	7.16% p.a.
Can I split my loan? (Fixed and Variable mix)
Up to what value of the property can I borrow?	90% (60% for lo-doc)	90% (60% for lo-doc)	90% (60% for lo-doc)
No Loan Approval Fee
No ongoing fees
Do I have a choice of how often I make repayments (i.e Weekly, Fortnightly, Monthly)?
Are additional repayments accepted?		up to $10,000 per annum
Is redraw available?
No redraw fee		N/A
Do transaction charges apply to redraw?	Free via Internet or Phone Banking. $1.50 for each transaction by ATM or EFTPOS	N/A	First 10 transactions per month free then $1.50 for each transaction thereafter
Is this loan portable?

This Comparison Rate is for a loan of $150,000 over 25 years.

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.

A comparison rate schedule is available here.