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2005 and 2006 Rates

Previous Rates Go to 2007 Rates

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December 2006
Basic Variable Rate From 6.81%pa.*
Standard Variable Rate From 7.35% pa.*
1 Year Introductory Rate From 6.45% pa.*
Professional Packages From 7.07% pa.*
Equity/Line of Credit Facilities From 7.47% pa.*
6 Month Fixed Rate From 6.44% pa.*
1 Year Fixed Rate From 6.49% pa.*
2 Year Fixed Rate From 7.09% pa.*
3 Year Fixed Rate From 7.09% pa.*
4 Year Fixed Rate From 7.24% pa.*
5 Year Fixed Rate From 6.99% pa.*
10 Year Fixed Rate From 7.39% pa.*
Offset Home Loan From 6.74% pa.*

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November 2006
Basic Variable Rate From 7.10%pa.*
Standard Variable Rate From 7.24% pa.*
1 Year Introductory Rate From 6.45% pa.*
Professional Packages From 7.20% pa.*
Equity/Line of Credit Facilities From 7.47% pa.*
6 Month Fixed Rate From 6.44% pa.*
1 Year Fixed Rate From 6.49% pa.*
2 Year Fixed Rate From 7.15% pa.*
3 Year Fixed Rate From 7.12% pa.*
4 Year Fixed Rate From 7.12% pa.*
5 Year Fixed Rate From 7.15% pa.*
10 Year Fixed Rate From 7.39% pa.*
Offset Home Loan From 6.57% pa.*

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October 2006
Basic Variable Rate From 6.45%pa.*
Standard Variable Rate From 6.84% pa.*
1 Year Introductory Rate From 6.45% pa.*
Professional Packages From 6.48% pa.*
Equity/Line of Credit Facilities From 7.22% pa.*
6 Month Fixed Rate From 5.75% pa.*
1 Year Fixed Rate From 6.49% pa.*
2 Year Fixed Rate From 7.09% pa.*
3 Year Fixed Rate From 7.12% pa.*
4 Year Fixed Rate From 7.25% pa.*
5 Year Fixed Rate From 7.09% pa.*
10 Year Fixed Rate From 7.44% pa.*
Offset Home Loan From 6.34% pa.*

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September 2006
Basic Variable Rate From 6.45%pa.*
Standard Variable Rate From 6.74% pa.*
1 Year Introductory Rate From 6.45% pa.*
Professional Packages From 6.48% pa.*
Equity/Line of Credit Facilities From 7.22% pa.*
6 Month Fixed Rate From 5.75% pa.*
1 Year Fixed Rate From 6.49% pa.*
2 Year Fixed Rate From 7.09% pa.*
3 Year Fixed Rate From 7.12% pa.*
4 Year Fixed Rate From 7.25% pa.*
5 Year Fixed Rate From 7.24% pa.*
10 Year Fixed Rate From 7.44% pa.*
Offset Home Loan From 6.32% pa.*

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August 2006
Basic Variable Rate From 6.45%pa.*
Standard Variable Rate From 6.74% pa.*
1 Year Introductory Rate From 6.49% pa.*
Professional Packages From 6.49% pa.*
Equity/Line of Credit Facilities From 6.97% pa.*
6 Month Fixed Rate From 5.49% pa.*
1 Year Fixed Rate From 6.24% pa.*
2 Year Fixed Rate From 6.89% pa.*
3 Year Fixed Rate From 7.10% pa.*
4 Year Fixed Rate From 7.25% pa.*
5 Year Fixed Rate From 7.24% pa.*
10 Year Fixed Rate From 7.35% pa.*
Offset Home Loan From 6.32% pa.*

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July 2006
Basic Variable Rate From 6.45%pa.*
Standard Variable Rate From 7.57% pa.*
1 Year Introductory Rate From 5.99% pa.*
Professional Packages From 6.29% pa.*
Equity/Line of Credit Facilities From 6.97% pa.*
6 Month Fixed Rate From 5.49% pa.*
1 Year Fixed Rate From 6.24% pa.*
2 Year Fixed Rate From 6.89% pa.*
3 Year Fixed Rate From 6.95% pa.*
4 Year Fixed Rate From 7.05% pa.*
5 Year Fixed Rate From 7.05% pa.*
10 Year Fixed Rate From 7.25% pa.*
Offset Home Loan From 5.99% pa.*

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June 2006
Basic Variable Rate From 6.74%pa.*
Standard Variable Rate From 7.57% pa.*
1 Year Introductory Rate From 6.25% pa.*
Professional Packages From 6.87% pa.*
Equity/Line of Credit Facilities From 6.78% pa.*
6 Month Fixed Rate From 5.49% pa.*
1 Year Fixed Rate From 6.24% pa.*
2 Year Fixed Rate From 6.84% pa.*
3 Year Fixed Rate From 6.84% pa.*
4 Year Fixed Rate From 6.99% pa.*
5 Year Fixed Rate From 6.99% pa.*
10 Year Fixed Rate From 7.17% pa.*
Offset Home Loan From 6.32% pa.*

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May 2006
Basic Variable Rate From 6.55%pa.*
Standard Variable Rate From 6.49% pa.*
1 Year Introductory Rate From 6.74% pa.*
Professional Packages From 5.99% pa.*
Equity/Line of Credit Facilities From 6.90% pa.*
6 Month Fixed Rate From 5.49% pa.*
1 Year Fixed Rate From 6.24% pa.*
2 Year Fixed Rate From 6.65% pa.*
3 Year Fixed Rate From 6.74% pa.*
4 Year Fixed Rate From 6.84% pa.*
5 Year Fixed Rate From 6.84% pa.*
10 Year Fixed Rate From 7.17% pa.*
Offset Home Loan From 6.07% pa.*

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April 2006
Basic Variable Rate From 6.55%pa.*
Standard Variable Rate From 6.49% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.98% pa.*
Equity/Line of Credit Facilities From 6.72% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.59% pa.*
3 Year Fixed Rate From 6.50% pa.*
4 Year Fixed Rate From 6.64% pa.*
5 Year Fixed Rate From 6.64% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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March 2006
Basic Variable Rate From 6.59%pa.*
Standard Variable Rate From 6.49% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.98% pa.*
Equity/Line of Credit Facilities From 6.72% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.59% pa.*
3 Year Fixed Rate From 6.50% pa.*
4 Year Fixed Rate From 6.64% pa.*
5 Year Fixed Rate From 6.64% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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February 2006
Basic Variable Rate From 6.49%pa.*
Standard Variable Rate From 6.48% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.98% pa.*
Equity/Line of Credit Facilities From 6.74% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.59% pa.*
3 Year Fixed Rate From 6.50% pa.*
4 Year Fixed Rate From 6.64% pa.*
5 Year Fixed Rate From 6.64% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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January 2006
Basic Variable Rate From 6.49%pa.*
Standard Variable Rate From 6.48% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.98% pa.*
Equity/Line of Credit Facilities From 6.74% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.54% pa.*
3 Year Fixed Rate From 6.55% pa.*
4 Year Fixed Rate From 6.74% pa.*
5 Year Fixed Rate From 6.69% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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December 2005
Basic Variable Rate From 6.49%pa.*
Standard Variable Rate From 6.48% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.98% pa.*
Equity/Line of Credit Facilities From 6.74% pa.*
6 Month Fixed Rate From 5.44% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.54% pa.*
3 Year Fixed Rate From 6.44% pa.*
4 Year Fixed Rate From 6.64% pa.*
5 Year Fixed Rate From 6.59% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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November 2005
Basic Variable Rate From 6.49%pa.*
Standard Variable Rate From 6.64% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.99% pa.*
Equity/Line of Credit Facilities From 6.74% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.49% pa.*
3 Year Fixed Rate From 6.44% pa.*
4 Year Fixed Rate From 6.64% pa.*
5 Year Fixed Rate From 6.55% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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October 2005
Basic Variable Rate From 6.76%pa.*
Standard Variable Rate From 6.74% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 5.99% pa.*
Equity/Line of Credit Facilities From 6.74% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.64% pa.*
3 Year Fixed Rate From 6.44% pa.*
4 Year Fixed Rate From 6.64% pa.*
5 Year Fixed Rate From 6.55% pa.*
10 Year Fixed Rate From 6.99% pa.*
Offset Home Loan From 5.99% pa.*

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September 2005
Basic Variable Rate From 6.62%pa.*
Standard Variable Rate From 6.74% pa.*
1 Year Introductory Rate From 5.98% pa.*
Professional Packages From 6.62% pa.*
Equity/Line of Credit Facilities From 6.74% pa.*
6 Month Fixed Rate From 5.25% pa.*
1 Year Fixed Rate From 6.19% pa.*
2 Year Fixed Rate From 6.69% pa.*
3 Year Fixed Rate From 6.69% pa.*
4 Year Fixed Rate From 6.85% pa.*
5 Year Fixed Rate From 6.85% pa.*
10 Year Fixed Rate From 7.50% pa.*
Offset Home Loan From 6.14% pa.*

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June 2005
Basic Variable Rate From 6.65%pa.*
Standard Variable Rate From 6.99% pa.*
1 Year Introductory Rate From 6.00% pa.*
Professional Packages From 6.62% pa.*
Equity/Line of Credit Facilities From 7.10% pa.*
6 Month Fixed Rate From 6.89% pa.*
1 Year Fixed Rate From 6.75% pa.*
2 Year Fixed Rate From 6.75% pa.*
3 Year Fixed Rate From 6.79% pa.*
4 Year Fixed Rate From 6.89% pa.*
5 Year Fixed Rate From 6.89% pa.*
10 Year Fixed Rate From 7.50% pa.*
Offset Home Loan From 7.08% pa.*

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May 2005
Basic Variable Rate From 6.65%pa.*
Standard Variable Rate From 6.09% pa.*
1 Year Introductory Rate From 6.00% pa.*
Professional Packages From 6.70% pa.*
Equity/Line of Credit Facilities From 7.10% pa.*
6 Month Fixed Rate From 7.05% pa.*
1 Year Fixed Rate From 6.75% pa.*
2 Year Fixed Rate From 6.75% pa.*
3 Year Fixed Rate From 6.79% pa.*
4 Year Fixed Rate From 6.95% pa.*
5 Year Fixed Rate From 6.95% pa.*
10 Year Fixed Rate From 7.54% pa.*
Offset Home Loan From 6.07% pa.*
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April 2005
Basic Variable Rate From 6.70%pa.*
Standard Variable Rate From 7.08% pa.*
1 Year Introductory Rate From 6.00% pa.*
Professional Packages From 6.70% pa.*
Equity/Line of Credit Facilities From 7.30% pa.*
6 Month Fixed Rate From 7.15% pa.*
1 Year Fixed Rate From 6.79% pa.*
2 Year Fixed Rate From 6.79% pa.*
3 Year Fixed Rate From 6.80% pa.*
4 Year Fixed Rate From 6.95% pa.*
5 Year Fixed Rate From 6.95% pa.*
10 Year Fixed Rate From 7.60% pa.*
Offset Home Loan From 6.07% pa.*
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March 2005
Basic Variable Rate From 6.69%pa.*
Standard Variable Rate From 7.08% pa.*
1 Year Introductory Rate From 6.00% pa.*
Professional Packages From 6.70% pa.*
Equity/Line of Credit Facilities From 7.30% pa.*
6 Month Fixed Rate From 6.99% pa.*
1 Year Fixed Rate From 6.69% pa.*
2 Year Fixed Rate From 6.59% pa.*
3 Year Fixed Rate From 6.49% pa.*
4 Year Fixed Rate From 6.89% pa.*
5 Year Fixed Rate From 6.89% pa.*
10 Year Fixed Rate From 7.60% pa.*
Offset Home Loan From 6.47% pa.*
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February 2005
Basic Variable Rate From 6.44%pa.*
Standard Variable Rate From 6.83% pa.*
1 Year Introductory Rate From 5.49% pa.*
Professional Packages From 6.45% pa.*
Equity/Line of Credit Facilities From 6.47% pa.*
6 Month Fixed Rate From 6.75% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.55% pa.*
3 Year Fixed Rate From 6.49% pa.*
4 Year Fixed Rate From 6.79% pa.*
5 Year Fixed Rate From 6.79% pa.*
10 Year Fixed Rate From 7.55% pa.*
Offset Home Loan From 6.47% pa.*
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January 2005
Basic Variable Rate From 6.44%pa.*
Standard Variable Rate From 6.83% pa.*
1 Year Introductory Rate From 5.49% pa.*
Professional Packages From 6.44% pa.*
Equity/Line of Credit Facilities From 6.47% pa.*
6 Month Fixed Rate From 6.69% pa.*
1 Year Fixed Rate From 5.99% pa.*
2 Year Fixed Rate From 6.50% pa.*
3 Year Fixed Rate From 6.49% pa.*
4 Year Fixed Rate From 6.79% pa.*
5 Year Fixed Rate From 6.79% pa.*
10 Year Fixed Rate From 7.55% pa.*
Offset Home Loan From 6.47% pa.*
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For access to some of the best rates available from a long list of lenders, call Peter Mullane on 0405 153 090 or
email Peter@GIM.com.au
* IMPORTANT INFORMATION: The interest rates contained in this document are indicative only and are subject to change without notice. They are obtained from GIM's panel of lenders. Fees and charges may apply and terms and conditions are available on application. Please note also that interest rates alone are not always the best indicator of the most suitable mortgage facility. Other factors such as fees, features and service should be considered.

Contact Peter on 0405 153 090 or 9943 5533
or Email me on Peter@GIM.com.au

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