

Term	Less then 20%	20% or More	Refinance Rental
1 Year Fixed	1.94	1.99	2.14
2 Year Fixed	1.69	1.74	1.89
3 Year Fixed	1.84	1.84	1.89
4 Year Fixed	1.69	1.74	1.89
5 Year Fixed	2.09	Below	Below
5 Year Variable	1.45	Below	Below
5 Year Fixed <65%	NA	2.09	2.04
5 Year Fixed 65% to 70%	NA	2.14	2.04
5 Year Fixed 70% to 75% LTV	NA	2.39	2.04
5 Year Fixed 75% to 80% LTV	NA	2.39	2.04
5 Year Variable <65% LTV	NA	1.45	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	1.55	2.45

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