#Quoted rates apply to principal and interest loans. Depending on your circumstances, loan features may vary. Other loan variables may also be used to determine the most appropriate rate and fees for your circumstances. *Subject to LVR restrictions. **Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rates but for further information on this product contact us on 13 11 33. ***$495 fee applies for loans with more than 4 splits. ****Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥3 properties. +Fixed rates available on request. ++Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval). ^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges. ^^A fee of $995 applies to our Sharp product. ^^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities.