Home Loans Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Residential Floating Loan Fees at 350K ($) Company Product Rate* Upfront Ongoing Principal+ Int/Int Only or Both Additoinal Repayments Allowed Redraw Facility 100% Max Top up Offset LVR (%) Facility Available Split Construction Loan Facility "Outstanding Value" BNZ TotalMoney 5.79% 400 Nil Both ✔ ✔ ✔ 95% ✔ ✔ ✔ Kiwibank NZ Offset 5.65% 250 Nil Both ✔ ✘ ✔ 95% ✔ ✔ ✔ ANZ Bank NZ Floating Rate 5.74% 500 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ BNZ Standard Variable 5.79% 400 Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ Westpac NZ Choices Offset Floating 5.85% 400 120 Both ✔ ✔ ✔ 95% ✔ ✔ ✔ ASB Bank NZ Variable 5.75% Nil Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ Kiwibank NZ Variable 5.65% Nil Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ New Zealand HomeLoans NZ Floating Rate 5.85% 250 Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ SBS Bank NZ Floating 5.74% 400 Nil Both ✔ ✘ ✘ 90% ✔ ✔ ✔ Sovereign NZ Go Home Loan Variable 5.85% Nil Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ The Co-operative Bank Floating Rate 5.70% 350 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ TSB Bank Variable 5.74% 250 Nil Both ✔ ✘ ✘ 90% ✔ ✔ ✔ Westpac NZ Choices Capped 1 yr 5.15% 400 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✘ Westpac NZ Choices Capped 2yrs 5.25% 400 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✘ Westpac NZ Choices Floating 5.85% 400 Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ Report Date: March, 2016. (All information is correct as at February, 2016) *Rate as at 1st March, 2016. Home Loans Star Ratings 2016 - Page 1 Home Loans Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Investment Floating Loan Fees at 350K ($) Company Product Rate* Upfront Ongoing Principal+ Int/Int Only or Both Additoinal Repayments Allowed Redraw Facility 100% Max Top up Offset LVR (%) Facility Available Split Construction Loan Facility "Outstanding Value" BNZ Investment TotalMoney 5.79% 400 Nil Both ✔ ✔ ✔ 80% ✔ ✔ ✔ Kiwibank NZ Investment Offset 5.65% 250 Nil Both ✔ ✘ ✔ 95% ✔ ✔ ✔ ANZ Bank NZ Inv Floating Rate 5.74% 500 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ ASB Bank NZ Investment Variable 5.75% Nil Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ BNZ Investment Variable 5.79% 400 Nil Both ✔ ✔ ✘ 80% ✔ ✔ ✔ Westpac NZ Inv Choices Offset Floating 5.85% 400 120 Both ✔ ✔ ✔ 95% ✔ ✔ ✔ Kiwibank NZ Investment Variable 5.65% Nil Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✔ New Zealand HomeLoans NZ Floating Investment 5.85% 250 Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ SBS Bank NZ Investment Floating 6.24% 400 Nil Both ✔ ✘ ✘ 90% ✔ ✔ ✔ Sovereign NZ Inv Go Home Loan Variable 5.85% Nil Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ The Co-operative Bank Investment Floating Rate 5.70% 350 Nil Both ✔ ✘ ✘ 80% ✔ ✔ ✔ TSB Bank Investment Variable 5.74% 250 Nil Both ✔ ✘ ✘ 75% ✔ ✔ ✔ Westpac NZ Choices Floating Investment 5.85% 400 Nil Both ✔ ✔ ✘ 95% ✔ ✔ ✔ Westpac NZ Inv Choices Capped 1yr 5.15% 400 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✘ Westpac NZ Inv Choices Capped 2 yrs 5.25% 400 Nil Both ✔ ✘ ✘ 95% ✔ ✔ ✘ Report Date: March, 2016. (All information is correct as at February, 2016) *Rate as at 1st March, 2016. Home Loans Star Ratings 2016 - Page 2 Home Loans Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Residential Fixed Loan Fees at 350K ($) Company Product Rate* Upfront Ongoing Principal+ Int/Int Only or Both Additoinal Repayments Allowed Home Loan Pre-Approval Max LVR Top up (%) Facility Split Facility Instant Valuations "Outstanding Value" ASB Bank NZ Residential Fixed 4.75% Nil Nil Both ✔ ✔ 100% ✔ ✔ ✔ Sovereign NZ Go Home Loan Fixed 4.75% Nil Nil Both ✔ ✔ 95% ✔ ✔ ✔ Kiwibank NZ Residential Fixed 4.85% Nil Nil Both ✔ ✔ 95% ✔ ✔ ✘ New Zealand HomeLoans NZ Standard Fixed 4.75% 250 Nil Both ✔ ✘ 95% ✔ ✔ ✘ The Co-operative Bank Residential Fixed 4.75% 350 Nil Both ✘ ✔ 95% ✔ ✔ ✔ ANZ Bank NZ Fixed Rate 5.10% 500 Nil Both ✔ ✔ 95% ✔ ✔ ✔ BNZ Standard Fixed 5.25% 400 Nil Both ✔ ✔ 95% ✔ ✔ ✔ SBS Bank NZ Standard Fixed 5.10% 400 Nil Both ✔ ✔ 90% ✔ ✔ ✘ TSB Bank Residential Fixed 5.25% 250 Nil Both ✔ ✔ 90% ✔ ✔ ✔ Westpac NZ Choices Fixed 5.10% 400 Nil Both ✘ ✔ 95% ✔ ✔ ✔ Report Date: March, 2016. (All information is correct as at February, 2016) *Rate as at 1st March, 2016. Home Loans Star Ratings 2016 - Page 1 Home Loans Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Investment Fixed Loan Fees at 350K ($) Company Product Rate* Upfront Ongoing Principal+ Int/Int Only or Both Additoinal Repayments Allowed Home Loan Pre-Approval Max LVR Top up (%) Facility Split Facility Instant Valuations "Outstanding Value" ASB Bank NZ Investment Fixed 4.75% Nil Nil Both ✔ ✔ 95% ✔ ✔ ✔ Sovereign NZ Inv Go Home Loan Fixed 4.75% Nil Nil Both ✔ ✔ 95% ✔ ✔ ✔ Kiwibank NZ Investment Fixed 4.85% Nil Nil Both ✔ ✔ 95% ✔ ✔ ✘ New Zealand HomeLoans NZ Inv Standard Fixed 4.75% 250 Nil Both ✔ ✘ 95% ✔ ✔ ✘ The Co-operative Bank Investment Fixed 4.75% 350 Nil Both ✘ ✔ 95% ✔ ✔ ✘ ANZ Bank NZ Inv Fixed Rate 5.10% 500 Nil Both ✔ ✔ 95% ✔ ✔ ✔ BNZ Investment Standard Fixed 5.25% 400 Nil Both ✔ ✔ 80% ✔ ✔ ✔ SBS Bank NZ Investment Standard Fixed 5.10% 400 Nil Both ✔ ✔ 90% ✔ ✔ ✘ TSB Bank Investment Fixed 5.25% 250 Nil Both ✔ ✔ 75% ✔ ✔ ✘ Westpac NZ Inv Choices Fixed 5.10% 400 Nil Both ✘ ✔ 95% ✔ ✔ ✔ Report Date: March, 2016. (All information is correct as at February, 2016) *Rate as at 1st March, 2016. Home Loans Star Ratings 2016 - Page 2 Home Loans Star Ratings We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. Line of Credit Loan Fees at 350K ($) Upfront Ongoing Principal+ Int/Int Only or Both 5.85% 500 150 Both ✔ ✔ ✔ ✔ ✘ ✔ Orbit Home Loan 5.75% Nil 144 Both ✔ ✔ ✔ ✘ ✔ ✔ SBS Bank NZ Flexi-Loan Variable 5.74% 400 Nil Both ✔ ✔ ✘ ✔ ✔ ✘ Westpac NZ Choices Everyday Floating 5.85% 400 119 Both ✔ ✔ ✔ ✔ ✔ ✔ BNZ Mortgage One 6.40% 400 240 IO ✔ ✔ ✔ ✔ ✘ ✔ BNZ Rapid Repay Home Loan 5.85% 400 42 P+I ✔ ✔ ✔ ✔ ✘ ✔ Kiwibank NZ Revolving Line Of Credit 5.65% Nil Nil IO ✔ ✔ ✘ ✔ ✘ ✔ TSB Bank Revolving Line Of Credit 5.74% 250 120 Both ✔ ✔ ✘ ✔ ✘ ✔ Company Product Rate* ANZ Bank NZ Flexible Home Loan ASB Bank NZ Transactional Mortgage Portable Mortgage Instant Valuation Interest Home Loan Interest Paid when Pre-Approval Capitalisation in Credit "Outstanding Value" Report Date: March, 2016. (All information is correct as at February, 2016) *Rate as at 1st March, 2016. Home Loans Star Ratings 2016 - Page 1