Variable Rate Easy Start Money Saver Fixed Rate Land Loan Money Saver Land Loan Description Fully featured variable rate loan Discounted variable rate loan, with introductory rate for the first 12 months Low variable rate ‘no frills' loan Interest rate is fixed for terms up to 10 years Fully featured variable rate land loan Low variable rate ‘no frills' land loan Interest Rate (% p.a.) 8.57 7.25* 7.97^ 1 yr 8.54 10 yrs 8.44 8.57 7.97^ Comparison RateTM**(% p.a.) 8.62 8.21 8.12 1 yr 8.62 10 yrs 8.58 8.62 8.12 Additional repayments # # Loan Approval Fee Discounts available - refer to fact sheets $500 $500 (no discounts available) $500 (no discounts available) $500 $500 $500 (no discounts available) Loan Administration Charge $10 per month $10 per month $10 per month (Applies during fixed interest rate period) $10 per month Maximum loan amount of property value 95% 95% 95% 95% 90% 90% 100% Mortgage Offset ## 1 yr fixed rate only Interest Only payments Up to 10 yrs Up to 10 yrs Up to 10 yrs Up to 3 yrs Up to 3 yrs Redraw facility Only after fixed rate period * Introductory variable rate for the first 12 months. After that, standard variable rate less an applicable discount margin applies (the discount is based on the amount of credit approved). Minimum loan term of four years. Refer to the ANZ Easy Start Home Loan Fact Sheet for further details. ** This Comparison Rate is for a loan of $150,000 over 25 years. WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available at any ANZ branch.