Mortgage Comparisons

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Effective as at 24 October 2018 for new and existing customers Repayment Type

Rates p.a. Home Loan

Loan Type

1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate Standard Variable $150,000 to $250,000 Standard Variable $250,001 to $500,000 Standard Variable over $500,001 Package * New Loan Special Offer 1 Year Fixed Rate 2 Year Fixed Rate Essential * Standard Variable Rate Essential Plus * Standard Variable Rate 1 Year Fixed Rate Premium * 2 Year Fixed Rate Standard Variable Rate Standard Variable < $150,000 Lifestlye Equity + Standard Variable > $150,000 Residential Security Home Equity ++ Other Property/Security

Principal & Interest

Classic *

Repayment Type

Comparison Rate

4.24% 4.34% 5.40% 4.90% 4.70% 4.60% 4.41% 3.89% 3.99% 4.94% 4.12% 3.99% 4.09% 5.15% 5.90% 5.65% 6.40% 6.90%

5.33% 5.24% 5.44% 5.17% 4.97% 4.87% 4.69% 4.64% 4.61% 5.09% 4.28% 5.16% 5.08% 5.28%

Offset

P P P P P P P P P

P P P

7.18% 7.68%

Rates p.a. Home Loan

Loan Type

1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate Standard Variable $150,000 to $250,000 Standard Variable $250,001 to $500,000 Standard Variable over $500,001 Package * New Loan Special Offer 1 Year Fixed Rate 2 Year Fixed Rate Essential * Standard Variable Rate Essential Plus * Standard Variable Rate 1 Year Fixed Rate Premium * 2 Year Fixed Rate Standard Variable Rate Classic *

Interest Only

Annual % Rate

Annual % Rate

Comparison Rate

4.54% 4.64% 5.50% 5.00% 4.80% 4.70% 4.51% 4.19% 4.29% 5.04% 4.22% 4.29% 4.39% 5.25%

5.45% 5.38% 5.54% 5.27% 5.07% 4.97% 4.78% 4.75% 4.74% 5.19% 4.38% 5.28% 5.21% 5.38%

Offset

P P P P P P P P P

P P P

Approvals subject to Warwick Credit Union lending policies. Fees and charges are payable. Full terms and conditions are available on application. Fixed rate housing loans will default to the standard variable rate at the expiration of the fixed term. * Comparison Rate calculated on a secured loan amount of $150,000 over a term of 25 yrs based on monthly p&i repayments + Lifestyle Equity are a line of credit - No Comparison Rate calculated ++ Comparison Rate calculated on a secured loan amount of $50,000 over a term of 7 yrs based on monthly repayments WARNING: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early payment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Warwick Credit Union Ltd ABN 98 087 651 116 AFSL / Australian Credit Licence 240556

INF 0132

Effective as at 5 September 2018 for new and existing customers

Investment Principal & Interest

Repayment Type

Repayment Type

Rates p.a. Home Loan

Classic *

Package *

Essential * Premium *

Loan Type

1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate Standard Variable $150,000 to $250,000 Standard Variable $250,001 to $500,000 Standard Variable over $500,001 1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate 1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate

Comparison Rate

4.54% 4.64% 5.40% 4.90% 4.70% 4.60% 4.19% 4.29% 4.94% 4.29% 4.39% 5.15%

5.36% 5.30% 5.44% 5.17% 4.97% 4.87% 4.83% 4.82% 5.09% 5.19% 5.13% 5.28%

Offset

P P P P P P P P P P P

Rates p.a. Home Loan

Loan Type Intro Rate

Classic *

Investment Interest Only

Annual % Rate

Package *

Essential * Premium *

1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate Standard Variable $150,000 to $250,000 Standard Variable $250,001 to $500,000 Standard Variable over $500,001 1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate 1 Year Fixed Rate 2 Year Fixed Rate Standard Variable Rate

Annual % Rate

Comparison Rate

4.64% 4.74% 5.50% 5.00% 4.80% 4.70% 4.29% 4.39% 5.04% 4.39% 4.49% 5.25%

5.46% 5.40% 5.54% 5.27% 5.07% 4.97% 4.93% 4.91% 5.19% 5.29% 5.23% 5.38%

Offset

P P P P P P P P P P P

Approvals subject to Warwick Credit Union lending policies. Fees and charges are payable. Full terms and conditions are available on application. Fixed rate housing loans will default to the standard variable rate at the expiration of the fixed term. * Comparison Rate calculated on a secured loan amount of $150,000 over a term of 25 yrs based on monthly p&i repayments + Lifestyle Equity are a line of credit - No Comparison Rate calculated ++ Comparison Rate calculated on a secured loan amount of $50,000 over a term of 7 yrs based on monthly repayments WARNING: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early payment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Warwick Credit Union Ltd ABN 98 087 651 116 AFSL / Australian Credit Licence 240556

INF 0132