BEST MORTGAGE RATES(ORDERED BY TRUE RATES IN BRACKETS)

homestar 5.88 (5.88) - - 6.75 (5.97) 7.85 (6.34) 8.20 (6.93) 1300 182 600

MyRate.com.au 5.88 (5.88) - - 6.73 (5.97) 7.63 (6.39) 7.98 (6.83) 1300 663 558

State Custodians 5.64 (5.90) 5.82 (5.76) - - - - 1300 654 617

QuickDirect 5.90 (5.90) - - 6.75 (5.99) 7.65 (6.41) 8.00 (6.85) 1300 796 980

MyLoan MyWay 5.91 (5.94) - - 6.75 (6.03) 7.65 (6.46) 8.00 (6.90) 1300 721 240

BMC Mortgage 5.97 (6.02) - - 6.75 (6.74) 7.90 (7.10) 8.60 (7.43) 1800 623 370

Community First C.U. 6.09 (6.17) 5.59 (5.67) 5.89 (6.15)f 6.60 (6.22) 7.79 (6.67) - 1300 13 22 77

A M O 6.10 (6.18) 5.79 (6.18) 5.24 (6.20)v 6.50 (6.22) 7.55 (6.60) 7.95 (7.02) 133 266

ME Bank 6.24 (6.24) - - 6.65 (6.28) 7.65 (6.65) 7.95 (7.01) 13 15 63

CUA 6.37 (6.25) 6.04 (6.10) 5.74 (6.36)v 6.39 (6.43) 7.19 (6.48) 7.99 (7.02) 13 32 82

Greater Building Society 6.30 (6.30) 5.94 (5.94) - 6.85 (6.36) 7.75 (6.72) 8.15 (7.14) 1300 651 400

mecu 6.30 (6.34) 5.94 (5.98) - 6.39 (6.03) 7.49 (6.43) - 13 28 88

HSBC 6.59 (6.35) 5.98 (6.04) 5.51 (6.54)v 6.39 (6.63) 7.49 (6.92) 7.80 (7.20) 1300 308 880

Victoria Teachers C.U. 6.32 (6.36) 5.82 (5.86) - 6.59 (6.33) 7.64 (6.70) 7.99 (7.08) 1800 138 002

myState Financial 6.31 (6.38) 5.77 (5.84) - 6.64 (6.42) 7.74 (6.80) 8.04 (7.17) 138 001

Gateway Credit Union 6.34 (6.39) - 5.74 (6.30)f 6.39 (6.40) 7.49 (6.73) - 1300 302 474

Heritage Building Society 6.30 (6.40) 5.89 (5.94) - 6.49 (6.42) 7.75 (6.82) 7.95 (7.15) 13 14 22

Newcastle Permanent B.S. 6.37 (6.40) 5.97 (6.00) 5.67 (6.33)v 6.39 (6.40) 7.49 (6.72) 7.79 (7.04) 13 19 87

ING Direct 6.24 (6.42) 5.94 (5.94) - 6.69 (6.06) 7.59 (6.45) 7.94 (6.88) 1800 500 240

RESI Mortgage 6.37 (6.42) - 5.37 (6.36)v 6.66 (6.25) 7.72 (6.66) 8.07 (7.08) 136 126

Encompass Credit Union 6.40 (6.47) - - 6.29 (6.45) 7.69 (6.84) 7.99 (7.19) 13 13 61

Aussie 6.44 (6.49) - - 6.24 (6.12) 7.39 (6.49) 7.74 (6.86) 131 333

IMB 6.45 (6.50) 6.02 (6.07) 5.45 (6.41)v 6.49 (6.51) 7.59 (6.85) 7.99 (7.23) 13 34 62

FCCS Credit Union 6.45 (6.51) 5.95 (6.04) - - - - 1300 361 555

IMS Home Loans 6.46 (6.51) 6.28 (6.44) 5.92 (7.06)v - - - 1300 132 467

AMS Home Loans 6.48 (6.55) 6.01 (6.07) 5.58 (6.21)v 6.19 (6.59) 7.29 (6.86) 7.74 (7.20) 13 72 67

Illawarra Credit Union 6.50 (6.57) 5.82 (5.98) - 6.60 (6.58) 7.60 (6.89) 7.90 (7.21) 13 22 49

Hunter United C.U. 6.49 (6.61) 6.25 ( 6.37) - 7.74 (6.53) - - 02 4941 3888

NAB 6.49 (6.62) 5.99 (6.03) 6.19 (6.61)f 6.59 (6.63) 7.59 (6.94) 7.89 (7.25) 13 13 12

Intech Credit Union 6.56 (6.64) - - - - - 1300 363 007

Savings & Loans C.U. 6.61 (6.65) 6.03 (6.16) 6.09 (6.60)f 6.64 (6.66) 7.69 (6.97) 8.04 (7.31) 13 11 82

Bankstown City C.U. 6.49 (6.67) - - - - - 02 9707 6000

Australian Central C.U. 6.61 (6.67) 6.11 (6.17) - 6.59 (6.74) 7.69 (7.06) 8.04 (7.40) 13 13 21

Community CPS Aust 6.64 (6.67) 5.94 (6.09) 6.34 (6.63)f 6.59 (6.66) 7.59 (6.94) 7.99 (7.28) 1800 088 114

United Community 6.64 (6.67) 5.94 (6.09) 6.34 (6.63)f 6.59 (6.66) 7.59 (6.94) 7.99 (7.28) 13 25 85

SERVICE ONE Members 6.55 (6.69) 6.10 (6.24) 6.15 (6.65)v - 7.60 (7.00) 7.90 (7.30) 1300 361 761

Commonwealth Bank 6.61 (6.74) 6.10 (6.23) 5.58 (6.63)v 6.64 (6.74) 7.74 (7.07) 8.04 (7.39) 13 22 21

Bankwest 6.55 (6.76) 6.43 (6.44) 5.63 (6.40)v 6.84 (6.76) 7.79 (7.10) 8.09 (7.44) 13 17 18

ANZ 6.66 (6.76) 5.96 (6.01) - 6.50 (6.70) 7.69 (7.04) 8.04 (7.38) 13 13 14

St. George Bank 6.68 (6.84) 6.01 (6.06) 5.98 (6.77)v 6.74 (6.85) 7.69 (7.14) 8.09 (7.49) 13 33 30

Suncorp 6.69 (6.84) 6.11 (6.16) 6.49 (6.82)f 6.64 (6.84) 7.59 (7.11) 7.99 (7.44) 13 11 55

AMP 6.69 (6.84) 6.24 (6.29) 6.49 (6.36)f 6.89 (6.40) 7.89 (6.80) 8.39 (7.30) 13 30 30

Bendigo Bank 6.70 (6.84) - - 6.54 (6.82) 7.59 (7.10) 7.99 (7.43) 1300 366 666

Bank of Queensland 6.76 (6.88) 6.18 (6.33) 5.76 (6.78)v 6.49 (6.86) 7.59 (7.13) 7.89 (7.40) 1300 557 272

Westpac 6.76 (6.89) 6.06 (6.11) - 6.79 (6.89) 7.79 (7.20) 8.14 (7.52) 13 19 00

Arab Bank 6.95 (7.00) 6.24 (6.37) 6.24 (7.01)v 6.69 (7.05) 7.69 (7.30) 8.09 (7.60) 1800 646 484

Citibank 6.88 (7.02) 6.53 (6.58) - 6.84 (7.01) 7.99 (7.35) 8.49 (7.63) 13 24 84

Source: Infochoice 17/2/2010For further information go to www.infochoice.com.au

Notes: Introductory Rate: f - Fixed v - Variable c - Capped. Sorted by standard variable comparison rate in ascending order, as shown in brackets.

"COMPARISON RATES in this table are based on a loan amount of $150,000 and a term of 25 years." Copyright Infochoice Ltd. 2007

Disclaimer: The information in this table is provided as a guide only and may not be complete for your purposes. Neither Infochoice nor the providers warrants the accuracy of any information and you should confirm it with the provider before acting on it. Except for responsibilities implied by law which cannot be excluded, neither Infochoice nor the providers is responsible for any loss, damage, cost or expense incurred by you as a result of any error, omission, or misrepresentation in relation to the data herein.