

Term	Less then 20%	20% or More	Refinance Rental
1 Year Fixed	2.14	2.29
2 Year Fixed	2.19	2.34
3 Year Fixed	2.29	2.44
4 Year Fixed	2.29	2.44
5 Year Fixed	2.39	Below	Below
5 Year Variable	1.35	Below	Below
5 Year Fixed <65%	NA	2.39
5 Year Fixed 65% to 70%	NA	2.44
5 Year Fixed 70% to 75% LTV	NA	2.49
5 Year Fixed 75% to 80% LTV	NA	2.49
5 Year Variable <65% LTV	NA	1.35	2.45
5 Year Variable 65% to 70% LTV	NA	1.45	2.45
5 Year Variable 70% to 75% LTV	NA	1.55	2.45
5 Year Variable 75% to 80% LTV	NA	1.70	2.45

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