Terms and conditions

Terms and conditions:

* Comparison rate is based on Rate Smasher standard variable rate for $150,000 loan over a term of 25 years. Comparison rates are based on the variable rate home loans comparable by major banks. Rates are correct as at 01/12/16 for YBR and may be subject to change. Effective dates are 12/08/16 for ANZ, 26/08/16 for Commonwealth Bank, 19/08/16 for NAB and 14/11/16 for Westpac. 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.

Owner-occupied purpose only, purchase or refinance only, no debt consolidation. PAYG applications minimum employment term 12 months. Self-employed minimum 2 years. Rate Smasher loan amounts from $100,000 - $750, 000, maximum loan-to-value ratio of 70%, additional credit criteria apply. Not available in conjunction with any other offer.

For fixed rate and comparison rate quoted please refer to the Comparison Rate Schedule.


# The information on this web page has been prepared by Smarter Money Investments Pty Limited ABN 64 153 555 867 (‘SMI’) as the Investment Manager of Smarter Money Fund (formerly called the Smarter Money Active Cash Fund) and is correct as at 28/02/16. OneVue RE Services Limited ABN 94 101 103 011 (‘OneVue’) is the Responsible Entity of the Fund and the issuer of the Product Disclosure Statement ('PDS'). It is general information only and is not intended to provide you with financial or investment advice. This information does not take into account your personal and financial circumstances, goals, objectives and needs. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. The PDS for the relevant Smarter Money fund should be considered before deciding whether to acquire or hold units in it. The PDS can be obtained by visiting www.ybr.com.au/smartermoney. None of the Responsible Entity, SMI, Yellow Brick Road Holdings Limited nor any of their respective shareholders, directors and associated businesses assume any liability to investors in connection with investment in the Fund, or guarantees the performance of any obligations to investors, the performance of the Fund or any particular rate of return. The repayment of capital is not guaranteed. Investments in the Fund are not deposits or liabilities of any of the abovementioned parties. The Fund is subject to investment risks, which could include delays in repayment and loss of income and capital invested. To learn more about these risks, we strongly encourage you to read the Fund’s PDS and consult an independent legal and financial adviser.