The above rates are indicative only and may vary before your loan is settled. The comparison rate is calculated on the basis of a loan of $150,000 over a term of twenty-five years. Warning: This comparison rate applies only to the 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.