First Home Buyers Award We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank

Educaon Deposit Requirements Guarantee Opons Company Borrowing Power Info on House Property Explanaon on Home FHB Grant Genuine Financial Gi as Stamp Duty Added Family Guarantee Guarantor can Calculator Buying Process Reports Purchasing Costs as Deposit Savings Deposit to the Loan Available Provide Deposit Adelaide ✔ ✘ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

AMP Bank ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✘ ✘

ANZ ✔ ✔ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Arab Bank ✘ ✘ ✘ ✘ ✘ ✘ ✔ ✔ ✔ ✔

Auswide Bank ✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✔ ✔

Bank of ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Bank of Sydney ✘ ✔ ✘ ✔ ✘ ✘ ✔ ✔ ✘ ✘

BankSA ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Bankwest ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘

Bendigo Bank ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘

BOQ ✔ ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Commonwealth Bank ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

HSBC ✔ ✔ ✔ ✔ ✘ ✘ ✔ ✘ ✔ ✔

ING DIRECT ✔ ✔ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Macquarie Bank ✔ ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

ME ✔ ✘ ✘ ✔ ✘ ✔ ✔ ✔ ✘ ✘

MyState ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘

NAB ✔ ✔ ✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘

Report Date: July, 2017 First Home Buyers Award - Page 1 This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. First Home Buyers Award We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Bank

Educaon Deposit Requirements Guarantee Opons Company Borrowing Power Info on House Property Explanaon on Home FHB Grant Genuine Financial Gi as Stamp Duty Added Family Guarantee Guarantor can Calculator Buying Process Reports Purchasing Costs as Deposit Savings Deposit to the Loan Available Provide Deposit St.George Bank ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Suncorp Bank ✘ ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✘

The Rock ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘

UBank ✔ ✘ ✘ ✔ ✘ ✔ ✔ ✘ ✘ ✘

Westpac ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ ✔ ✘

Report Date: July, 2017 First Home Buyers Award - Page 2 This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. First Home Buyers Award We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Customer Owned Instuon

Educaon Deposit Requirements Guarantee Opons Company Borrowing Power Info on House Property Explanaon on Home FHB Grant Genuine Financial Gi as Stamp Duty Added Family Guarantee Guarantor can Calculator Buying Process Reports Purchasing Costs as Deposit Savings Deposit to the Loan Available Provide Deposit Australian Military Bank ✔ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ ✔

B&E Personal Banking ✔ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✔ ✔

Bank Australia ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘

BankVic ✘ ✘ ✘ ✘ ✔ ✘ ✔ ✘ ✘ ✔

bcu ✔ ✔ ✘ ✔ ✔ ✘ ✔ ✘ ✔ ✔

Beyond Bank ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘

Catalyst Money ✔ ✘ ✘ ✘ ✔ ✘ ✘ ✔ ✔ ✘

Community First CU ✔ ✘ ✘ ✔ ✘ ✔ ✔ ✔ ✘ ✔

CUA ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✔ ✔

Easy Street Fin Services ✔ ✘ ✘ ✔ ✘ ✔ ✔ ✔ ✘ ✔

FCCS ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

First Opon Credit Union ✔ ✔ ✘ ✘ ✘ ✔ ✔ ✔ ✔ ✔

G&C Mutual Bank ✔ ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Gateway Credit Union ✔ ✘ ✘ ✘ ✘ ✘ ✔ ✔ ✔ ✔

Heritage Bank ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Horizon Credit Union ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✔ ✘

Hume Bank ✔ ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Hunter United ✔ ✘ ✘ ✘ ✔ ✘ ✔ ✔ ✔ ✔

Report Date: July, 2017 First Home Buyers Award - Page 3 This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. First Home Buyers Award We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Customer Owned Instuon

Educaon Deposit Requirements Guarantee Opons Company Borrowing Power Info on House Property Explanaon on Home FHB Grant Genuine Financial Gi as Stamp Duty Added Family Guarantee Guarantor can Calculator Buying Process Reports Purchasing Costs as Deposit Savings Deposit to the Loan Available Provide Deposit Illawarra CU NSW ✔ ✘ ✘ ✘ ✔ ✘ ✘ ✔ ✔ ✘

IMB ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✔ ✔

Macquarie Credit Union ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

MOVE - People Driven Banking ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘

My Credit Union ✔ ✘ ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✔

Newcastle Permanent ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✘ ✔

Northern Inland CU ✔ ✔ ✘ ✔ ✔ ✘ ✔ ✔ ✔ ✔

P&N Bank ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✘

People's Choice Credit Union ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ ✔ ✔

Police Bank ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

QBANK ✔ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔

QT Mutual Bank ✔ ✔ ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✘

Qudos Bank ✔ ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Queenslanders CU ✔ ✔ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✔

Regional Australia Bank ✔ ✔ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✔

SCU ✔ ✘ ✘ ✘ ✘ ✔ ✘ ✘ ✔ ✘

Select Encompass Credit Union ✔ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ ✔

Southern Cross Credit Union ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Report Date: July, 2017 First Home Buyers Award - Page 4 This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter. First Home Buyers Award We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Customer Owned Instuon

Educaon Deposit Requirements Guarantee Opons Company Borrowing Power Info on House Property Explanaon on Home FHB Grant Genuine Financial Gi as Stamp Duty Added Family Guarantee Guarantor can Calculator Buying Process Reports Purchasing Costs as Deposit Savings Deposit to the Loan Available Provide Deposit Summerland Credit Union ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Teachers Mutual Bank ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

The Capricornian ✔ ✘ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

The Mac ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ ✔

The Mutual ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✔ ✔

Transport Mutual Credit Union ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

UniBank ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✔ ✔ ✔

Victoria ✔ ✔ ✘ ✔ ✘ ✔ ✘ ✘ ✔ ✔

Woolworths Employees CU ✔ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✔ ✔

Report Date: July, 2017 First Home Buyers Award - Page 5 This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.