Mozo Experts Choice Research Report. Product Category: HOME LOANS
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1 Mozo Experts Choice Research Report Product Category: HOME LOANS 11 June 2015
2 Who is Mozo? Mozo Pty Ltd ( Mozo ) provides a financial comparison service that was launched in 2008 by a team of passionate financial services enthusiasts with the goal of creating an online service that helps consumers make their own financial decisions and save money. Mozo offers consumers a comprehensive product comparison service that covers the retail banking market, general insurance, life insurance, business banking and more. Currently around 300,000 Australians a month use Mozo s financial comparison service. Mozo s comparison technology and expertise is used by some of Australia s largest online publishers. Mozo holds an Australian Financial Services Licence and an Australian Credit Licence. Mozo s management team have experience in consumer credit and financial services in a variety of roles from executive management, marketing, and actuarial services to product development, and technology. Mozo s team are often called upon to provide expert media commentary in relation to retail financial services. Our Experts Choice Awards analysis is carried out by our Research & Insights Director and our Product Data Manager, who between them have over 50 years of experience in financial services and 21 years in online financial services comparison. Andrew Duncanson is our Research & Insights Director. Andrew has worked in financial services for over 20 years in Australia and the UK and is a qualified actuary. Andrew is a Responsible Manager for Mozo s Australian Financial Services Licence. Peter Marshall is our Product Data Manager. He has over 30 years experience in financial services, including managing product data at other financial comparison sites before Mozo. Peter is also a Responsible Manager for Mozo s Australian Financial Services Licence. Page 1 of 21
3 Mozo Experts Choice Awards The Mozo Experts Choice Awards are an initiative from Mozo that recognises Australia s best value financial products and helps Australians save money by choosing better products. The Experts Choice Awards are designed to complement the popular Mozo People s Choice Awards, which are voted by customers and recognise banking and insurance institutions with the highest customer satisfaction levels. For the Experts Choice Awards Gold medals were awarded to the top 10% of products that meet the selection criteria in each awards category. A maximum of 10 individual products were awarded gold in each category. In the Best Value Major Bank and Home Lender of the Year categories only one medal was awarded. Further information about our awards methodology can be found below. What Home Loan products do we consider? Mozo assessed 390 home loan products from 81 credit providers in the course of carrying out its analysis for this research report and subsequent awards. To be considered the loan must be a genuine product issued under the provider s brand, with full details visible on the provider website. See the appendix for a list of the credit providers assessed. Rates, fees and features were taken from Mozo s database and confirmed as correct between 30th March and 9th April 2015 by contacting the relevant credit providers or from publicly available sources. We aim to include most home loans in the market in the Mozo Experts Choice Awards. However, not every home loan product will be included in our review, nor is every feature that may be relevant to you compared. Page 2 of 21
4 How do we calculate the cost of each home loan? Repayments were based on the minimum monthly repayment that would be required to pay off a loan amount of $350,000 over a 25 year period. For each of the variable interest rate award categories (1, 2, and 3) we calculated the cost of every eligible loan over a period of 5 years by totalling the minimum monthly repayments (principal and interest) and all mandatory upfront, ongoing and discharge fees. This calculation was performed three times using the rates and fees applicable at the end of January, February and March of The results of these three calculations were then averaged. The exceptions to this were the Fixed and Best Big 4 Bank categories that are detailed below. Fees included in the calculation were: Application/establishment fee Valuation fee Legal fee Settlement fee Ongoing regular service fees Discharge fee which is payable for exiting the loan at the end of the assessment period for each award (e.g. the fees for exiting the Best Value Variable Home Loan products after 5 years). A Discharge Fee is charged by the lender whenever a loan is finalised, whether that is when the loan has been repaid or when a borrower wishes to change to a loan offered by another provider, in which case a fee would be charged for the administration work involved in releasing the mortgage. Any loans where the fees listed above could not be determined were excluded from the awards. Other fees were not taken into account, including: Any one-off exception and penalty fees Fees for services except any specifically stated in the calculation above. Page 3 of of 21
5 The Mozo Experts Choice Home Loan Award Winners 2015 [ 1 ] BEST VALUE VARIABLE HOME LOAN LENDER Beyond Bank CUA Heritage Bank imortgage loans.com.au loans.com.au Newcastle Permanent UBank LOAN Low Rate Home Loan Special gogreen Home Loan Special Special Rate Standard Variable Home Loan Fresh Start Variable Home Loan Discount Variable Home Loan - Special Rate Offer Essential Home Loan Dream Home Loan Essentials Dream Home Loan Offset Variable Discounted Variable Home Loan (LVR<80%) (Premium Plus Package) UHomeLoan - Real Reward Offer [ 2 ] BEST VALUE FULL FEATURE HOME LOAN LENDER Beyond Bank CUA Gateway Credit Union IMB loans.com.au Newcastle Permanent Queenslanders CU State Custodians State Custodians LOAN gogreen Home Loan Special Special Rate Standard Variable Home Loan Fresh Start Variable Home Loan Variable Rate Home Loan (LVR<80%) (Premium Package) Essentials Home Loan (LVR<80%) Dream Home Loan Offset Variable Discounted Variable Home Loan (LVR<80%) (Premium Plus Package) Ultimate Home Loan Special Breathe Easy Special (LVR<80%) Peak Performance Offset Page 4 of 21
6 [ 3 ] BEST VALUE FIRST HOME LOAN LENDER AMP BankSA Heritage Bank HSBC imortgage loans.com.au State Custodians Queenslanders CU LOAN Essential Home Loan Low Rate Home Loan Special gogreen Home Loan Special Basic Home Loan Discount Variable Home Loan - Special Rate Offer Home Value Loan Essential Home Loan Dream Home Loan Offset Variable Standard Variable Ultimate Home Loan Special [ 4 ] BEST VALUE FIXED HOME LOAN LENDER emoney Greater Building Society IMB ING DIRECT loans.com.au Newcastle Permanent Northern Inland CU Queenslanders Credit Union Suncorp UBank LOAN Prime (LVR<80%, Fixed>50%) (Propack) Ultimate Home Loan (Package) Fixed Home Loan (LVR<90%) (Platinum Package) Fixed Rate Loan Dream Home Loan Honeymoon Rate Smart Home Loan Special Fixed Home Loan (Home Package Plus) UHomeLoan [ 5 ] BEST VALUE MAJOR BANK LENDER ANZ [ 6 ] HOME LENDER OF THE YEAR 2015 LENDER loans.com.au Page 5 of 21
![Essential Home Loan Dream Home Loan Offset Variable Standard Variable Ultimate Home Loan Special [ 4 ] BEST VALUE FIXED HOME LOAN LENDER emoney Greater Building Society IMB ING DIRECT loans.com.](/docs-images/49/17566056/images/page_6.jpg "au Newcastle Permanent Northern Inland CU Queenslanders Credit Union Suncorp UBank LOAN Prime (LVR<80%, Fixed>50%) (Propack) Ultimate Home Loan (Package) Fixed Home Loan (LVR<90%) (Platinum Package)")
7 How the Mozo Experts Choice Awards are determined Only rates available for a loan amount of $350,000 were considered in the Awards. They must be available to Owner Occupier borrowers and allow Principal & Interest repayments. Mozo Experts Choice Awards for Home Loans are awarded in the following categories and based on the following methodology: [ 1 ] BEST VALUE VARIABLE HOME LOAN Aim: To identify the variable rate home loans with the lowest cost over 5 years. Method: To qualify for this award loans must allow an loan-to-value ratio ( LVR ) of 80%. Of the qualifying home loans, the 10 with the lowest average cost were awarded gold. [ 2 ] BEST VALUE FULL FEATURE HOME LOAN Aim: To identify the variable rate home loans with comprehensive features that has the lowest cost over 5 years. Method: To qualify for this award loans must: Allow an LVR of 80% Have a variable interest rate Have a 100% offset facility Have a redraw facility Offer the ability to split the loan between variable and fixed rate portions Of the qualifying home loans, the 10 with the lowest average cost were awarded gold. Page 6 of 21
![Mozo Experts Choice Awards for Home Loans are awarded in the following categories and based on the following methodology: [ 1 ] BEST VALUE VARIABLE HOME LOAN Aim: To identify the variable rate home](/docs-images/49/17566056/images/page_7.jpg "loans with the lowest cost over 5 years. Method: To qualify for this award loans must allow an loan-to-value ratio ( LVR ) of 80%.")
8 [ 3 ] BEST VALUE FIRST HOME LOAN Aim: To identify the lowest cost home loans over 5 years that are available for borrowers with less than 20% initial deposit. Method: To qualify for this award loans must have a variable interest rate and allow an LVR of 90%. Of the qualifying home loans, the 10 with the lowest average cost were awarded gold. [ 4 ] BEST VALUE FIXED HOME LOAN Aim: To identify the home loans with fixed rates that have the lowest cost over a range of fixed terms. Method: To qualify for this award loans must allow an LVR of 80%. For the fixed rate award category we performed the same calculation as for variable loans (see How did we calculate the cost of each home loan section above) but only for a period equal to the length of each fixed rate period, then divided the result by the number of years to find the annual cost of each rate option. We did this calculation for each fixed rate period available with the product (eg. 1, 2 and 3 years fixed interest). We then took the best 3 results from each product and averaged them. Providers with less than 3 fixed rate options were excluded from consideration. Of the qualifying home loans, the 10 with the lowest average cost were awarded gold. To identify the lowest cost home loans over 5 years that are available for borrowers with less than 20% initial deposit. [ 5 ] BEST VALUE MAJOR BANK Aim: To identify the major bank (National Australia Bank, Commonwealth Bank, Westpac and ANZ) with the lowest cost portfolio of loans. Page 7 of 21
![[ 4 ] BEST VALUE FIXED HOME LOAN Aim: To identify the home loans with fixed rates that have the lowest cost over a range of fixed terms.](/docs-images/49/17566056/images/page_8.jpg "Method: To qualify for this award loans must allow an LVR of 80%.")
9 Method: The rank for each bank s best performing loan offered in each award category was divided by the total number of products in that category to determine its percentile rank. We then calculated each bank s average percentile rank from those results. The major bank with the lowest average percentile ranking was awarded Gold. [ 6 ] HOME LENDER OF THE YEAR 2015 Aim: To identify the provider with the most award winning loans across the categories judged for these awards. Method: The number of awards received by each provider was counted. Where more than one provider received the same number of awards the variety of categories and suitability of the winning products for a wide variety of borrowers was also considered. Page 8 of 21
![[ 6 ] HOME LENDER OF THE YEAR 2015 Aim: To identify the provider with the most award winning loans across the categories judged for these awards.](/docs-images/49/17566056/images/page_9.jpg "Method: The number of awards received by each provider was counted.")
10 How we manage conflicts of interest Mozo Experts Choice Awards is based on objective verifiable facts and analysis. Mozo s research team analyses product data and determines the winners in each Mozo Experts Choice category without reference to Mozo s sales or commercial functions. Our internal structures help to avoid conflicts of interest arising between our research team and other areas of the business in the generation of our research reports. Details of how we are paid are contained in our Financial Services Guide. Credit providers can participate in the Mozo Experts Choice Awards free of charge. Mozo charges a licence fee to credit providers to allow them to use the Mozo Experts Choice badges in their own marketing activities, and offers promotional packages that may be purchased. A credit provider that receives a Mozo Experts Choice Award may choose to list its products on the Mozo website in a way that may generate revenue for Mozo. Mozo Experts Choice awards are awarded irrespective of a credit provider s commercial relationship with Mozo. DISCLAIMER: Any advice included in any document published by Mozo Pty Ltd (AFSL/ACL ) is general in nature and does not take into account your objectives, financial situation or needs. Before acting on the advice, you should consider whether it s appropriate to you and seek professional advice from a suitably qualified adviser. Page 9 of 21
11 Appendix List of all loans considered in the home loan awards. Provider Product Abode Special Home Loan Abode Standard Home Loan (Fixed) ADCU Value Home Loan ADCU Variable Offset Home Loan Adelaide Bank SmartFit Adelaide Bank SmartFix Adelaide Bank SmartSaver (LVR<90%) AMP Classic Variable Rate Loan AMP Essential Home Loan AMP Fixed Rate Loan AMP Fixed Rate Loan (Basic Package) AMP Fixed Rate Loan (Professional Package) AMP Introductory Classic Variable Rate Loan AMP Variable Rate Loan (Basic Package) AMP Variable Rate Loan (over $250k) (Professional Package) ANZ Fixed Rate ANZ Fixed Rate (Breakfree Package) ANZ Simplicity PLUS ANZ Variable Rate ANZ Variable Rate (Breakfree Package) Arab Bank Australia Essentials Home Loan Arab Bank Australia Fixed Rate Arab Bank Australia The Basics Aussie Optimizer (Fixed) Aussie Optimizer 1 Year Discounted Variable Aussie Optimizer Plus (Fixed) Aussie Optimizer Variable Aussie Select Basic (Fixed) Aussie Select Basic Variable Aussie Select Standard (Fixed) Aussie Select Standard Variable Page 10 of of 21
12 Australian Financial Australian Financial Auswide Bank Auswide Bank Auswide Bank Auswide Bank B&E Personal Banking B&E Personal Banking B&E Personal Banking B&E Personal Banking Bank of Melbourne Bank of Melbourne Bank of Melbourne Bank of Melbourne Bank of Melbourne Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Queensland Bank of Sydney Bank of Sydney Bank of Sydney Right Home Loan True Blue Home Loan Home Loan (Fixed, Freedom Package) Home Loan (Fixed) Home Loan Plus (Freedom Package) Standard Variable Home Loan Flexichoice Home Loan FlexiDiscount Home Loan Topline Topline Turbo Basic Home Loan Fixed Home Loan Fixed Home Loan (Advantage Package) Standard Variable Home Loan Variable Home Loan (Advantage Package) Clear Path Variable Rate Home Loan Economy Fixed Rate Fixed Rate (Privileges Package) Standard Variable Rate Standard Variable Rate (Privileges Package) Expect More Home Loan (Fixed, Package) Expect More Home Loan (Package) Variable Rate Home Loan Basic Home Loan Low Rate Home Loan Special First Home Buyers Loan First Home Buyers Loan (Package) First Home Buyers Loan (Fixed) Fixed Rate Loan Fixed Rate Loan (Package) gogreen Home Loan gogreen Home Loan Special Premium Home Loan Premium Home Loan (Package) Page 11 of of 21
13 BankSA BankSA BankSA BankSA BankSA BankVic BankVic BankVic BankVic BankVic BankVic BankVic Bankwest Bankwest Bankwest Bankwest Bankwest Bankwest Bankwest Bankwest Bankwest BCU BCU BCU BCU Bendigo Bank Bendigo Bank Bendigo Bank Bendigo Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Beyond Bank Basic Home Loan Fixed Home Loan Fixed Home Loan (Advantage Package) Standard Variable Home Loan Variable Home Loan (Advantage Package) 24 Month Discount Variable Home Loan Base Variable Home Loan (Premium Package) Offset Variable Home Loan Standard Variable Home Loan Standard Variable Home Loan (Premium Package) Complete Fixed Home Loan (Package) Complete Variable Home Loan (Package) Double Deal Home Loan Mortgage Shredder Online Home Loan Premium Select Regular Saver Home Loan Super Start Home Loan Discounted Rate Home Loan Maximum Discounted Rate Home Loan Standard Variable Home Loan Fixed Rate dential Generation Green Home Loan Variable Rate dential Variable Rate dential (Package Plus) Basic Variable Home Loan Fixed Home Loan Fixed Home Loan (Pinnacle +Plus) Special Rate Standard Variable Home Loan Standard Variable Home Loan Standard Variable Home Loan (Pinnacle +Plus) Page 12 of of 21
14 Big Sky Big Sky Big Sky Citibank Citibank Citibank Citibank Citibank Citibank Citibank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Commonwealth Bank Community First Credit Union Community First Credit Union Community First Credit Union Community First Credit Union Community First Credit Union Community Mutual Group Community Mutual Group Community Mutual Group Community Mutual Group Credit Union SA Credit Union SA Credit Union SA Credit Union SA Credit Union SA Credit Union SA CUA Basic CHOICE Premium CHOICE Standard CHOICE Basic Variable Fixed Rate Loan Fixed Rate Loan (Mortgage Plus) Standard Variable Standard Variable (Mortgage Plus) Standard Variable Offset Standard Variable Offset (Mortgage Plus) 1 Year Guaranteed 12 Month Discounted 3 Year Special Economiser Economiser Home Loan Fixed Rate Fixed Rate (Wealth Package) No Fee Home Loan Standard Variable Rate Standard Variable Rate (Wealth Package) Accelerator Home Loan (Package) Honeymoon Home Loan True Basic Home Loan True Value Home Loan Fixed Home Loan (Partnership Advantage) Home Loan (Partnership Advantage) Redi-Draw Home Loan Steady Rate Home Loan Discounted Home Loan Discounted Home Loan Special Offer (Package) Variable Rate Home Loan Variable Rate Home Loan (Package) 1 Year Introductory Variable Rate Loan Page 13 of of 21
15 CUA CUA CUA CUA CUA CUA Defence Bank Defence Bank Defence Bank Defence Bank Easy Street Easy Street Economy Home Loans Economy Home Loans emoney emoney emoney emoney emoney Financial Hub firstmac firstmac firstmac firstmac G&C Mutual Bank G&C Mutual Bank Gateway Credit Union Gateway Credit Union Gateway Credit Union Gateway Credit Union Gateway Credit Union Greater Building Society Greater Building Society Greater Building Society Greater Building Society Basic Variable Rate Loan Discount Variable Rate Loan Fixed Rate Loan Fresh Start Variable Home Loan Premium Fixed Rate Loan Rate Breaker (Package) Essentials Home Loan Essentials Home Loan (Fixed) Ultimate Home Loan (Fixed, Package) Ultimate Home Loan (Package) Basic Variable Home Loan Fixed Home Loan Maxi Basic Platinum Basic Plus Plus (Fixed) Prime Prime (Propack) Prime (Fixed, Propack) Simply Better Rate Home Loan Home Loan 80 Home Loan 80 (VIP Package) Home Loan 90 Home Loan 90 (VIP Package) Fixed Rate Standard Variable (Premium Package) Low Rate Essentials Home Loan Variable Rate Home Loan Variable Rate Home Loan (Premium Package) Discount Ultimate Home Loan (Package) Getaways Home Loan Great Rate Home Loan (Fixed) Page 14 of of 21
16 Greater Building Society Greater Building Society Greater Building Society Heritage Bank Heritage Bank Heritage Bank Heritage Bank Heritage Bank Heritage Bank homeloan HQ Homeloans Homeloans Homeloans Homeloans Homeloans Homeloans Homeloans Homeloans Homeloans Homestar Homestar HSBC HSBC HSBC HSBC HSBC HSBC Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Hume Bank Great Rate Home Loan Ultimate Home Loan (Fixed, Package) Ultimate Home Loan (Package) Discount Variable Home Loan Discount Variable Home Loan - Special Rate Offer Fixed Loan Fixed Loan (Professional Package) Standard Variable - Special Rate Offer Standard Variable (Professional Package) Mortgage Bonus Loan Classic MoniPower MoniPower (Fixed) Ultra 80 Ultra 80 (Fixed) Ultra 90 Ultra Plus 80 Ultra Plus 80 (Fixed) Ultra Plus 90 Fixed Rate Loan Variable Rate Loan Discounted Variable Home Loan (Premier) (Premier) Home Smart Loan Home Value Loan Variable Home Loan 1 Year Introductory Rate Home Loan 1 Year Introductory Rate Home Loan (Property Package) 2 Year Introductory Rate Home Loan 2 Year Introductory Rate Home Loan (Property Package) (Property Package) Interest Saver Home Loan Standard Variable Home Loan Page 15 of 21
17 Hume Bank Illawarra Credit Union Illawarra Credit Union Illawarra Credit Union Illawarra Credit Union Illawarra Credit Union Illawarra Home Loans Illawarra Home Loans Illawarra Home Loans Illawarra Home Loans IMB IMB IMB IMB IMB IMB IMB imortgage imortgage imortgage imortgage imortgage imortgage imortgage ING DIRECT ING DIRECT ING DIRECT Liberty Liberty Liberty Liberty loans.com.au loans.com.au loans.com.au Macquarie Standard Variable Home Loan (Property Package) Basic Variable Fixed Rate Premium Home Loan (Fixed, Package) Premium Home Loan (Package) Standard Variable Bank Beater Home Loan (Fixed) Bank Beater Home Loan Fast Track Home Loan Fast Track Home Loan (Fixed) Budget Home Loan Essentials Home Loan Fixed Home Loan Fixed Home Loan (Platinum Package) Introductory Variable Home Loan Standard Variable Home Loan Variable Home Loan (Platinum Package) Essential Home Loan Fusion 80 Fusion 80 (Fixed) Fusion 80 (Fixed, ProPack) Fusion 80 (ProPack) Fusion 90 Fusion 90 (ProPack) Fixed Rate Loan Mortgage Simplifier Orange Advantage Free Variable Home Loan Sharp Home Loan Star Home Loan Dream Home Loan (Fixed) Dream Home Loan Essentials Dream Home Loan Offset Variable Basic Home Loan Page 16 of 21
18 Macquarie Macquarie Macquarie Maritime, Mining & Power Credit Union Maritime, Mining & Power Credit Union Maritime, Mining & Power Credit Union Maritime, Mining & Power Credit Union Maritime, Mining & Power Credit Union ME Bank ME Bank ME Bank ME Bank ME Bank ME Bank ME Bank Mortgage House Mortgage House Mortgage House My Credit Union MyState MyState MyState NAB NAB NAB NAB NAB Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Newcastle Permanent Basic Home Loan (Fixed) Offset Home Loan (Fixed, Package) Offset Home Loan (Package) All in One Home Loan All in One Home Loan (Package) All in One Home Loan Special First Rate Home Loan Fixed Rate Standard Home Loan Standard Home Loan (Fixed, Member Package) Standard Home Loan (Fixed) Standard Home Loan (Member Package) Ultimate Offset Account Ultimate Offset Account (Fixed) Ultimate Offset Account (Member Package) Advantage Home Loan (Fixed) Advantage Home Loan 80 Advantage Home Loan 90 My Fixed Rate Loan Special dential Home Loan Standard Variable Home Loan Base Variable Rate Home Loan Tailored Home Loan Tailored Home Loan (Choice Package) Tailored Home Loan (Fixed, Choice Package) Tailored Home Loan (Fixed) Discounted Real Deal Home Loan Discounted Variable Home Loan (Premium Plus Package) Intro Rate Home Loan Premium Variable Home Loan Real Deal Home Loan Real Options Home Loan Special Discounted Page 17 of 21
19 Newcastle Permanent Northern Inland Credit Union P&N Bank P&N Bank P&N Bank P&N Bank People s Choice Credit Union People s Choice Credit Union People s Choice Credit Union People s Choice Credit Union People s Choice Credit Union People s Choice Credit Union People s Choice Credit Union Police Bank QANTAS Credit Union QANTAS Credit Union QANTAS Credit Union QANTAS Credit Union QANTAS Credit Union QT Mutual Bank QT Mutual Bank QT Mutual Bank QT Mutual Bank QT Mutual Bank QT Mutual Bank Queensland Country Credit Union Queensland Country Credit Union Queensland Country Credit Union Queensland Country Credit Union Queensland Country Credit Union Queensland Police Credit Union Queensland Police Credit Union Queensland Police Credit Union Queensland Police Credit Union Queensland Police Credit Union Variable Home Loan (Premium Plus Package) Honeymoon Rate Smart Home Loan (Fixed) Easypay Home Loan Easypay Plus (Package) Smooth Home Loan Basic Variable Home Loan Fixed Rate Loan (Package) Lite Saver Variable Home Loan Lite Variable Home Loan Standard Variable Rate Loan Variable Home Loan (Package) Premium Home Loan Honeymoon Home Loan Low Cost Home Loan (Package) Qantas Points Home Loan (Package) Variable Rate Home Loan Fixed Home Loan Fixed Rate (Choices Package) Mortgage Breaker Rate Tracker Variable Rate (Choices Package) Variable Rate Special Offer (Choices Package) Discount Ultimate Home Loan (Package) First Home Buyers Discounted 1 Year Fixed Rate Ultimate Home Loan (Package) Variable Rate Home Loan Classic Home Loan Discounted Classic Home Loan Fixed Rate Home Loan (Classic Plus) Standard Variable Rate Page 18 of 21
20 Queenslanders Credit Union Queenslanders Credit Union Queenslanders Credit Union Queenslanders Credit Union RAMS RAMS RAMS RAMS Ratebusters Ratebusters Reduce Home Loans SCU SCU SCU SCU SCU SCU St.George St.George Special Ultimate Home Loan Ultimate Home Loan Special Fixed Rate Full Feature Low Rate Value Advantage (Package) AFG Pro Pack Ultimate Standard Variable BreakTHRU 80 BreakTHRU 90 Complete Essentials Essentials Plus Flexi Fix 80 (Fixed) Flexi Fix Plus 80 (Fixed) Flexi Options Home Loan (Fixed) Flexi Options Home Loan 95 KickStart Smart Option Home Loan Smart Option Home Loan (Fixed) Smart Pro 80 Smart Pro 90 Smart Pro Plus 80 Smart Pro Plus 90 Basic Home Loan Fixed Rate Loan My Life Home Loan (Package) My Life Home Loan (Fixed, Package) Pro Pack Home Loan (Package) Variable Rate Home Loan Basic Home Loan Fixed Home Loan Page 19 of 21
21 St.George St.George St.George State Custodians State Custodians State Custodians State Custodians Suncorp Suncorp Suncorp Suncorp Suncorp Teachers Mutual Bank Teachers Mutual Bank Teachers Mutual Bank Teachers Mutual Bank The Rock Building Society The Rock Building Society The Rock Building Society The Rock Building Society The Rock Building Society UBank UBank UBank Unicredit Unicredit Unicredit Victoria Teachers Mutual Bank Victoria Teachers Mutual Bank Victoria Teachers Mutual Bank Victoria Teachers Mutual Bank Victoria Teachers Mutual Bank Victoria Teachers Mutual Bank Victoria Teachers Mutual Bank Westpac Fixed Home Loan (Advantage Package) Standard Variable Home Loan Variable Home Loan (Advantage Package) Breathe Easy Breathe Easy Special Peak Performance Offset Standard Variable Back to Basics Fixed Home Loan (Home Package Plus) Fixed Home Loan Standard Variable Loan (Home Package Plus) Standard Variable Loan Fixed Option Home Loan Flexi Choice Home Loan My First Home Loan Solutions Plus Home Loan (Rewards Package) Essentials Home Loan Fixed Rate Loan Fixed Rate Loan (Rock Star Package) Standard Variable (Rock Star Package) Standard Variable Rate Loan UHomeLoan UHomeLoan - Real Reward Offer UHomeLoan (Fixed) Classic Plus Standard Variable Home Loan Fixed Options Home Loan Introductory Rate Home Loan Basic Home Loan Basic Home Loan (Fixed) Discounted Variable Home Loan (Rewards Package) Fixed Home Loan Fixed Home Loan (Rewards Package) Standard Variable Home Loan Variable Home Loan (Rewards Package) Fixed Options Home Loan Page 20 of 21
22 Westpac Westpac Westpac Westpac Yellow Brick Road Yellow Brick Road Yellow Brick Road Fixed Options Home Loan (Premier Advantage Package) Flexi First Option Home Loan Rocket Repay Home Loan Rocket Repay Home Loan (Premier Advantage Package) Empower Home Loan Empower Home Loan (Fixed) Empower Package Page 21 of of 21
23 Experts Choice Research Report Addendum 27 August 2015 Bankmecu changed its name to Bank Australia effective from 17 August 2015, and at the same time changed some of its product range. The Go Green Home Loan that won awards in the Best Value Variable Home Loan, Best Value Full Feature Home Loan, and Best Value First Home Loan categories is no longer available. The Low Rate Home Loan Special that won awards in the Best Value Variable Home Loan and Best Value First Home Loan categories was replaced by a loan called Basic Home Loan. All of the features of the Low Rate Home Loan Special that were used in judging both categories are unchanged. Therefore the Basic Home Loan qualifies for the same awards as the Low Rate Home Loan Special. The awards given to the Low Rate Home Loan Special have been transferred to the Bank Australia Basic Home Loan in both the Best Value Variable Home Loan and Best Value First Home Loan categories.
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