Terms, conditions, fees, charges, normal lending criteria apply. Fixed rate offer available on new lending from 25/01/2017 until further notice and is available under the QTMB Choices and Teachers’ Life packages. Offer applies to new lending to QT Mutual Bank only and is not available for the refinance or restructure of existing QT Mutual Bank loans. After fixed rate term, the interest rate reverts to the applicable variable rate. Comparison rate is based on a secured loan amount of $150,000 with monthly repayments over 25 years. 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. The comparison rate shown is for new lending based on assumed minimum total borrowings of $250,000 under the Choices package for owner occupiers. The comparison rate may change for other amounts or loans for property investment.