Standard Variable and Package Variable Movements since RBA OCR Movement (03-05-2016 to 19-05-2016) 3/05/20 Percentage Lender Product Name 19/05/2016 16 Change AMO Group Variable Home Loan 3.73% 4.13% -0.40% ANZ Variable 5.37% 5.56% -0.19% ANZ Breakfree Variable 250-499k 4.57% 4.76% -0.19% Aussie Optimizer Plus Variable PI 100-499k 3.99% 4.24% -0.25% Aussie Optimizer Variable PI 100-499k 3.99% 4.24% -0.25% B&E Personal Banking FlexiLine 5.24% 5.44% -0.20% B&E Personal Banking Topline Turbo 250k+ 4.24% 4.44% -0.20% B&E Personal Banking Residential FlexiChoice 5.24% 5.44% -0.20% B&E Personal Banking Topline 250k+ 4.66% 4.86% -0.20% B&E Personal Banking FlexiDiscount LVR Special 4.04% 4.24% -0.20% B&E Personal Banking FlexiDiscount 5.14% 5.34% -0.20% Bank Australia Premium 4.99% 5.09% -0.10% Bank Australia Premium Package Premium 100-399k 4.19% 4.29% -0.10% BankVic standard variable 4.74% 4.99% -0.25% BankVic Premium Home standard variable 250-749k 4.34% 4.59% -0.25% Big Sky Building Society Standard Choice 5.27% 5.52% -0.25% Big Sky Building Society Premium Choice 250k+ 4.57% 4.82% -0.25% BOQ Clear Path Discount Rate 4.04% 4.19% -0.15% BOQ Clear Path Variable Home Loan 4.47% 4.72% -0.25% BOQ Standard Variable 5.61% 5.86% -0.25% Click Loans The Online Offset Home Loan 75% 3.84% 4.09% -0.25% Click Loans The Online Offset Home Loan 70% 3.73% 3.98% -0.25% Click Loans The Online Offset Home Loan 80% 3.84% 4.09% -0.25% Click Loans The Online Offset Home Loan 150-499k 70% 3.84% 4.04% -0.20% Click Loans The Online Offset Home Loan 80 150-499k 3.84% 4.04% -0.20% Click Loans The Online Offset Home Loan 150-499k 90% 4.22% 4.47% -0.25% Click Loans The Online Offset Home Loan 150-499k 95% 4.32% 4.57% -0.25% Coastline Credit Union Minimiser Home Loan 4.34% 4.59% -0.25% Coastline Credit Union No Fee Home Loan Variable 5.09% 5.34% -0.25% Coastline Credit Union Options Home Loan 4.79% 5.04% -0.25% CUA Fresh Start Variable 4.21% 4.31% -0.10% CUA Fresh Start Access 4.26% 4.46% -0.20% CUA Discounted Home Loan 4.81% 5.06% -0.25% CUA Rate Breaker Rate Breaker 250k+ 4.37% 4.61% -0.24% Premium Plus Standard Variable ECU Australia 250.00001k+ 3.95% 4.56% -0.61% First Option Credit Union Standard Variable 5.10% 5.35% -0.25% First Option Credit Packaged Home Loan Standard Variable 5- 4.55% 4.80% -0.25% Union 599k Firstmac Home Loan 80 4.41% 4.66% -0.25% Firstmac VIP Pack 80 4.09% 4.39% -0.30% Firstmac Home Loan 90 4.66% 4.81% -0.15% Firstmac VIP Pack 90 4.44% 4.59% -0.15% G&C Mutual Bank Standard Variable 5.25% 5.37% -0.12% G&C Mutual Bank Get Ahead Start Home Ln 3.99% 4.07% -0.08% G&C Mutual Bank Premium Package Premium 300k+ 3.99% 4.07% -0.08% G&C Mutual Bank Solutions Package Solutions 4.76% 4.84% -0.08% Gateway Credit Union Premium Variable Package 150k+ 3.89% 3.98% -0.09% Homeloans Optima Variable - Owner Occ PI 80 150-499k 3.99% 4.24% -0.25% Homeloans Optima Variable - Owner Occ PI 90 150-749k 4.21% 4.46% -0.25% Homeloans Ultra Plus Variable PI 80 200-499k 3.99% 4.24% -0.25% Homeloans Ultra Plus Variable PI 200-499k 90% 4.27% 4.52% -0.25% Homeloans Ultra Plus Variable PI 200-499k 95% 4.45% 4.70% -0.25% Homestar Finance Homestar Standard Variable 70 50-499k 3.73% 3.98% -0.25% Homestar Finance Homestar Standard Variable 95 4.01% 4.23% -0.22% Homestar Finance Homestar Standard Variable 90 3.86% 4.08% -0.22% Horizon Credit Union Classic Home Loan 5.09% 5.29% -0.20% Horizon Credit Union Kickstart First Home Buyer Loan 4.44% 4.64% -0.20% Horizon Credit Union Mortgage Breaker 4.69% 4.89% -0.20% Horizon Credit Union Value Plus 4.19% 4.39% -0.20% Hume Bank Variable 5.20% 5.35% -0.15% Hume Bank Variable (Refinance) 5.20% 5.35% -0.15% Hume Bank Property Package Variable 250-499k 4.40% 4.55% -0.15% loans.com.au Offset Var-Owner Occupier 80-90%LVR 4.14% 4.29% -0.15% loans.com.au Offset Variable-Owner Occupier <80% 3.89% 4.14% -0.25% loans.com.au Essentials - Owner Occ - PI and IO 3.84% 4.09% -0.25% ME Bank Flexible Home Loan OO Max 80 LVR 5.03% 5.08% -0.05% Member Package Flexible Home Loan OO ME Bank Max 80 LVR 40 4.01% 4.09% -0.08% Mortgage HOUSE Pure and Simple 60 3.94% 4.09% -0.15% Mortgage HOUSE Pure and Simple 40 3.74% 3.89% -0.15% Mortgage View Special Offset to 80% 3.80% 4.00% -0.20% My Credit Union Advantage Home Loan 4.84% 4.94% -0.10% MyState Special Residential Home Loan 80% 3.99% 4.22% -0.23% NAB Tailored Variable - P&I 5.35% 5.60% -0.25% Choice Package Tailored Variable - P&I 250- NAB 499k 4.50% 4.75% -0.25% Private Tailored Pkg Tailored Variable - P&I NAB 250-4 4.50% 4.75% -0.25% NAB (Exclusive to Homeplus Variable Rate PI 5.38% 5.63% -0.25% Brokers) NAB (Exclusive to Homeplus Package Homeplus Variable Rate Brokers) PI 250-499 4.39% 4.64% -0.25% Newcastle Permanent Premium Variable 5.27% 5.52% -0.25% Premium Plus Package Premium Variable Newcastle Permanent 150-499k 3.84% 4.09% -0.25% Newcastle Permanent Real Options 5.05% 5.30% -0.25% Newcastle Permanent Premium Plus Package Real Options 5.05% 5.30% -0.25% P&N Bank & Home Loan 4.15% 4.29% -0.14% P&N Bank Home Loan & Bag & Home Loan 10k+ 4.15% 4.29% -0.14% Pacific Mortgage Group Variable 3.70% 3.95% -0.25% People's Choice Credit Union Standard Variable 5.34% 5.55% -0.21% Quay Credit Union Premium Home Loan (Refinance only) 4.49% 4.74% -0.25% Qudos Bank Low Cost Home Loan Sale 250-499k 3.99% 4.34% -0.35% Qudos Bank Standard Variable Rate 4.58% 4.83% -0.25% Reduce Home Loans Rate Buster Offset Fee Free 80 3.69% 3.94% -0.25% Reduce Home Loans Rate Buster Standard Variable 3.59% 3.85% -0.26% SCU Standard Variable 5.12% 5.32% -0.20% SCU My Life Variable Rate Package 250-499k 4.09% 4.22% -0.13% SCU ProPack 250k+ 4.52% 4.72% -0.20% Teachers Mutual Bank Solutions Plus Home Loan 250-499k 4.57% 4.77% -0.20% Teachers Mutual Bank Flexi Choice 5.23% 5.48% -0.25% Rewards Package Solutions Plus Home Loan Teachers Mutual Bank 250-499k 4.57% 4.77% -0.20% The Rock Building Soc Essentials Special 80% 3.99% 4.22% -0.23% UBank UHomeLoan - Real Reward Offer IO 4.13% 4.38% -0.25% UBank UHomeLoan - Standard Variable PI 4.17% 4.42% -0.25% UBank Value Offer - 20% Deposit Minimum 3.74% 3.99% -0.25% UniBank Solutions Plus Home Loan 250-499k 4.57% 4.77% -0.20% UniBank Flexi Choice 5.23% 5.48% -0.25% Rewards Package Solutions Plus Home Loan UniBank 250-499k 4.57% 4.77% -0.20% **Special currently running at the moment. Source: www.canstar.com.au Loans shown are available for the loan amount of $350,000 and loan types are standard variable or package variable.