Loan Interest Rates

Loans

Housing/Residential Investment Loans	Fixed Rate (p.a.)	Variable Rate (p.a.)	Comparison Rate (p.a.)
1 Year Introductory	8.75%	9.55%	9.59%*
Discounted 1 Year Fixed	9.49%	9.45%	9.59%*
Discounted 2 Year Fixed	9.49%	9.45%	9.59%*
Discounted 3 Year Fixed	9.49%	9.45%	9.59%*
Discounted 4 Year Fixed	9.59%	9.45%	9.64%*
Discounted 5 Year Fixed	9.59%	9.45%	9.65%*
Standard Variable Rate		9.55%	9.68%*
TopLine ($150,000 - $249,999)		9.02%	9.05%*
TopLine ($250,000+)		8.97%	8.99%^
Discounted Variable Rate - Economical		9.23%	9.31%*

Personal Loans	Variable Rate (p.a.)		Comparison Rate (p.a.)
Motor Vehicle Loan, car up to 3 yrs old (Loan under $10,000)	10.95%		14.45% @
Motor Vehicle Loan, car up to 3 yrs old (Loan $10,000 or over)	9.95%		10.24% #
Motor Vehicle Loan, car over 3 yrs old (Loan under $10,000)	12.70%		16.22% @
Motor Vehicle Loan, car over 3 yrs old (Loan $10,000 or over)	11.70%		12.00% #
Unsecured Personal Loan (under $10,000)	14.25%		17.80% @
Unsecured Personal Loan ($10,000 or over)	13.25%		13.71% &
Debt Consolidation Loan (under $10,000)	15.25%		18.81% @
Debt Consolidation Loan ($10,000 or over)	14.25%		14.72% &
Personal Loan Secured by Real Estate	9.69%		9.98% #
VISA Credit Card	Variable Rate (p.a.)
Purchases	11.99%
Cash Advances	16.49%
Commercial Loans	Variable Rate (p.a.)		Comparison Rate (p.a.)
Variable Rate	Negotiated on application.

* - Comparison Rate calculated on a loan amount of $150,000 over a loan term of 25 years. These rates are for secured loans only.

# - Comparison Rate calculated on a loan amount of $25,000 over a loan term of 5 years.

@ - Comparison Rate calculated on a loan amount of $5,000 over a term of 2 years.

& - Comparison Rate calculated on a loan amount of $20,000 over a term of 4 years.

^ - Comparison Rate calculated on a loan amount of $250,000 over a loan term of 25 years. These rates are for secured loans only.

• Full details of all the relevant fees and charges, interest rates and terms and conditions are available on application.

• Interest rates are subject to change without notice and should be verified with your local branch.

WARNING: The above comparison rates apply only to 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 or loan offset accounts, are not included in the comparison rate, but may influence the cost of the loan. For full details on our products, and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting your local B&E branch.

B&E's comparison rate schedule's are available at any B&E Branch, or you may view it on-line by opening the PDF file's below:

• Personal Loan Comparison Rate Schedule

• Housing Loan Comparison Rate Schedule

You will need Adobe Acrobat Reader to open this document, if you do not have it already, follow this link