¹ Variable interest rates are current at 1 December, 2023 and may change depending on the current economic conditions. Offer does not apply to construction or bridging loans. ² WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This comparison rate has been calculated on the basis of a $150,000 loan paid over 25 years.³ Loan-to-Value Ratio or LVR is a measure of the amount you owe on your loan compared to the value of your property. To calculate your current LVR, divide your loan amount by your property value and multiply the result by 100 to give you a percentage. ⁴ First Option Bank will cover the first $1,000 of valuation and legal costs, other external costs incurred by First Option Bank will be on-charged. Eligibility criteria, terms and conditions, fees and charges apply. Normal lending criteria apply. Stamp duty and government charges may apply. Any legal and valuation fees will be charged at cost. Product is based on First Option's Simple Home Loan and Complete Package and is provided by First Option Bank Ltd ABN 95 087 650 735, Australian Credit Licence no. 236 509.