RateCity.com.au
Advertisement

Low Rate Home Loan with Offset (Principal and Interest) (LVR 80%-90%) from State Custodians

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$150,000
Advertised rate
3.79%Variable
Loan term
over 30 years
Repayment Frequency
Monthly
Monthly repayment
$698
Number of Repayments
360
Total Interest Paid
$101,280
Total repayments
$251,280
DatePrincipleInterestPaymentBalance
1Nov 2017$224.33$473.75$698.08$149,775.67
2Dec 2017$225.04$473.04$698.08$149,550.63
2017 Total$449.37$946.79$1,396.16
3Jan 2018$225.75$472.33$698.08$149,324.88
4Feb 2018$226.46$471.62$698.08$149,098.42
5Mar 2018$227.18$470.90$698.08$148,871.24
6Apr 2018$227.90$470.18$698.08$148,643.34
7May 2018$228.61$469.47$698.08$148,414.73
8Jun 2018$229.34$468.74$698.08$148,185.39
9Jul 2018$230.06$468.02$698.08$147,955.33
10Aug 2018$230.79$467.29$698.08$147,724.54
11Sep 2018$231.52$466.56$698.08$147,493.02
12Oct 2018$232.25$465.83$698.08$147,260.77
13Nov 2018$232.98$465.10$698.08$147,027.79
14Dec 2018$233.72$464.36$698.08$146,794.07
2018 Total$2,756.56$5,620.4$8,376.96
15Jan 2019$234.46$463.62$698.08$146,559.61
16Feb 2019$235.20$462.88$698.08$146,324.41
17Mar 2019$235.94$462.14$698.08$146,088.47
18Apr 2019$236.68$461.40$698.08$145,851.79
19May 2019$237.43$460.65$698.08$145,614.36
20Jun 2019$238.18$459.90$698.08$145,376.18
21Jul 2019$238.93$459.15$698.08$145,137.25
22Aug 2019$239.69$458.39$698.08$144,897.56
23Sep 2019$240.45$457.63$698.08$144,657.11
24Oct 2019$241.20$456.88$698.08$144,415.91
25Nov 2019$241.97$456.11$698.08$144,173.94
26Dec 2019$242.73$455.35$698.08$143,931.21
2019 Total$2,862.86$5,514.1$8,376.96
27Jan 2020$243.50$454.58$698.08$143,687.71
28Feb 2020$244.27$453.81$698.08$143,443.44
29Mar 2020$245.04$453.04$698.08$143,198.40
30Apr 2020$245.81$452.27$698.08$142,952.59
31May 2020$246.59$451.49$698.08$142,706.00
32Jun 2020$247.37$450.71$698.08$142,458.63
33Jul 2020$248.15$449.93$698.08$142,210.48
34Aug 2020$248.93$449.15$698.08$141,961.55
35Sep 2020$249.72$448.36$698.08$141,711.83
36Oct 2020$250.51$447.57$698.08$141,461.32
37Nov 2020$251.30$446.78$698.08$141,210.02
38Dec 2020$252.09$445.99$698.08$140,957.93
2020 Total$2,973.28$5,403.68$8,376.96
39Jan 2021$252.89$445.19$698.08$140,705.04
40Feb 2021$253.69$444.39$698.08$140,451.35
41Mar 2021$254.49$443.59$698.08$140,196.86
42Apr 2021$255.29$442.79$698.08$139,941.57
43May 2021$256.10$441.98$698.08$139,685.47
44Jun 2021$256.91$441.17$698.08$139,428.56
45Jul 2021$257.72$440.36$698.08$139,170.84
46Aug 2021$258.53$439.55$698.08$138,912.31
47Sep 2021$259.35$438.73$698.08$138,652.96
48Oct 2021$260.17$437.91$698.08$138,392.79
49Nov 2021$260.99$437.09$698.08$138,131.80
50Dec 2021$261.81$436.27$698.08$137,869.99
2021 Total$3,087.94$5,289.02$8,376.96
51Jan 2022$262.64$435.44$698.08$137,607.35
52Feb 2022$263.47$434.61$698.08$137,343.88
53Mar 2022$264.30$433.78$698.08$137,079.58
54Apr 2022$265.14$432.94$698.08$136,814.44
55May 2022$265.97$432.11$698.08$136,548.47
56Jun 2022$266.81$431.27$698.08$136,281.66
57Jul 2022$267.66$430.42$698.08$136,014.00
58Aug 2022$268.50$429.58$698.08$135,745.50
59Sep 2022$269.35$428.73$698.08$135,476.15
60Oct 2022$270.20$427.88$698.08$135,205.95
61Nov 2022$271.05$427.03$698.08$134,934.90
62Dec 2022$271.91$426.17$698.08$134,662.99
2022 Total$3,207$5,169.96$8,376.96
63Jan 2023$272.77$425.31$698.08$134,390.22
64Feb 2023$273.63$424.45$698.08$134,116.59
65Mar 2023$274.50$423.58$698.08$133,842.09
66Apr 2023$275.36$422.72$698.08$133,566.73
67May 2023$276.23$421.85$698.08$133,290.50
68Jun 2023$277.10$420.98$698.08$133,013.40
69Jul 2023$277.98$420.10$698.08$132,735.42
70Aug 2023$278.86$419.22$698.08$132,456.56
71Sep 2023$279.74$418.34$698.08$132,176.82
72Oct 2023$280.62$417.46$698.08$131,896.20
73Nov 2023$281.51$416.57$698.08$131,614.69
74Dec 2023$282.40$415.68$698.08$131,332.29
2023 Total$3,330.7$5,046.26$8,376.96
75Jan 2024$283.29$414.79$698.08$131,049.00
76Feb 2024$284.18$413.90$698.08$130,764.82
77Mar 2024$285.08$413.00$698.08$130,479.74
78Apr 2024$285.98$412.10$698.08$130,193.76
79May 2024$286.88$411.20$698.08$129,906.88
80Jun 2024$287.79$410.29$698.08$129,619.09
81Jul 2024$288.70$409.38$698.08$129,330.39
82Aug 2024$289.61$408.47$698.08$129,040.78
83Sep 2024$290.53$407.55$698.08$128,750.25
84Oct 2024$291.44$406.64$698.08$128,458.81
85Nov 2024$292.36$405.72$698.08$128,166.45
86Dec 2024$293.29$404.79$698.08$127,873.16
2024 Total$3,459.13$4,917.83$8,376.96
87Jan 2025$294.21$403.87$698.08$127,578.95
88Feb 2025$295.14$402.94$698.08$127,283.81
89Mar 2025$296.08$402.00$698.08$126,987.73
90Apr 2025$297.01$401.07$698.08$126,690.72
91May 2025$297.95$400.13$698.08$126,392.77
92Jun 2025$298.89$399.19$698.08$126,093.88
93Jul 2025$299.83$398.25$698.08$125,794.05
94Aug 2025$300.78$397.30$698.08$125,493.27
95Sep 2025$301.73$396.35$698.08$125,191.54
96Oct 2025$302.68$395.40$698.08$124,888.86
97Nov 2025$303.64$394.44$698.08$124,585.22
98Dec 2025$304.60$393.48$698.08$124,280.62
2025 Total$3,592.54$4,784.42$8,376.96
99Jan 2026$305.56$392.52$698.08$123,975.06
100Feb 2026$306.53$391.55$698.08$123,668.53
101Mar 2026$307.49$390.59$698.08$123,361.04
102Apr 2026$308.46$389.62$698.08$123,052.58
103May 2026$309.44$388.64$698.08$122,743.14
104Jun 2026$310.42$387.66$698.08$122,432.72
105Jul 2026$311.40$386.68$698.08$122,121.32
106Aug 2026$312.38$385.70$698.08$121,808.94
107Sep 2026$313.37$384.71$698.08$121,495.57
108Oct 2026$314.36$383.72$698.08$121,181.21
109Nov 2026$315.35$382.73$698.08$120,865.86
110Dec 2026$316.35$381.73$698.08$120,549.51
2026 Total$3,731.11$4,645.85$8,376.96
111Jan 2027$317.34$380.74$698.08$120,232.17
112Feb 2027$318.35$379.73$698.08$119,913.82
113Mar 2027$319.35$378.73$698.08$119,594.47
114Apr 2027$320.36$377.72$698.08$119,274.11
115May 2027$321.37$376.71$698.08$118,952.74
116Jun 2027$322.39$375.69$698.08$118,630.35
117Jul 2027$323.41$374.67$698.08$118,306.94
118Aug 2027$324.43$373.65$698.08$117,982.51
119Sep 2027$325.45$372.63$698.08$117,657.06
120Oct 2027$326.48$371.60$698.08$117,330.58
121Nov 2027$327.51$370.57$698.08$117,003.07
122Dec 2027$328.55$369.53$698.08$116,674.52
2027 Total$3,874.99$4,501.97$8,376.96
123Jan 2028$329.58$368.50$698.08$116,344.94
124Feb 2028$330.62$367.46$698.08$116,014.32
125Mar 2028$331.67$366.41$698.08$115,682.65
126Apr 2028$332.72$365.36$698.08$115,349.93
127May 2028$333.77$364.31$698.08$115,016.16
128Jun 2028$334.82$363.26$698.08$114,681.34
129Jul 2028$335.88$362.20$698.08$114,345.46
130Aug 2028$336.94$361.14$698.08$114,008.52
131Sep 2028$338.00$360.08$698.08$113,670.52
132Oct 2028$339.07$359.01$698.08$113,331.45
133Nov 2028$340.14$357.94$698.08$112,991.31
134Dec 2028$341.22$356.86$698.08$112,650.09
2028 Total$4,024.43$4,352.53$8,376.96
135Jan 2029$342.29$355.79$698.08$112,307.80
136Feb 2029$343.37$354.71$698.08$111,964.43
137Mar 2029$344.46$353.62$698.08$111,619.97
138Apr 2029$345.55$352.53$698.08$111,274.42
139May 2029$346.64$351.44$698.08$110,927.78
140Jun 2029$347.73$350.35$698.08$110,580.05
141Jul 2029$348.83$349.25$698.08$110,231.22
142Aug 2029$349.93$348.15$698.08$109,881.29
143Sep 2029$351.04$347.04$698.08$109,530.25
144Oct 2029$352.15$345.93$698.08$109,178.10
145Nov 2029$353.26$344.82$698.08$108,824.84
146Dec 2029$354.37$343.71$698.08$108,470.47
2029 Total$4,179.62$4,197.34$8,376.96
147Jan 2030$355.49$342.59$698.08$108,114.98
148Feb 2030$356.62$341.46$698.08$107,758.36
149Mar 2030$357.74$340.34$698.08$107,400.62
150Apr 2030$358.87$339.21$698.08$107,041.75
151May 2030$360.01$338.07$698.08$106,681.74
152Jun 2030$361.14$336.94$698.08$106,320.60
153Jul 2030$362.28$335.80$698.08$105,958.32
154Aug 2030$363.43$334.65$698.08$105,594.89
155Sep 2030$364.58$333.50$698.08$105,230.31
156Oct 2030$365.73$332.35$698.08$104,864.58
157Nov 2030$366.88$331.20$698.08$104,497.70
158Dec 2030$368.04$330.04$698.08$104,129.66
2030 Total$4,340.81$4,036.15$8,376.96
159Jan 2031$369.20$328.88$698.08$103,760.46
160Feb 2031$370.37$327.71$698.08$103,390.09
161Mar 2031$371.54$326.54$698.08$103,018.55
162Apr 2031$372.71$325.37$698.08$102,645.84
163May 2031$373.89$324.19$698.08$102,271.95
164Jun 2031$375.07$323.01$698.08$101,896.88
165Jul 2031$376.26$321.82$698.08$101,520.62
166Aug 2031$377.44$320.64$698.08$101,143.18
167Sep 2031$378.64$319.44$698.08$100,764.54
168Oct 2031$379.83$318.25$698.08$100,384.71
169Nov 2031$381.03$317.05$698.08$100,003.68
170Dec 2031$382.24$315.84$698.08$99,621.44
2031 Total$4,508.22$3,868.74$8,376.96
171Jan 2032$383.44$314.64$698.08$99,238.00
172Feb 2032$384.65$313.43$698.08$98,853.35
173Mar 2032$385.87$312.21$698.08$98,467.48
174Apr 2032$387.09$310.99$698.08$98,080.39
175May 2032$388.31$309.77$698.08$97,692.08
176Jun 2032$389.54$308.54$698.08$97,302.54
177Jul 2032$390.77$307.31$698.08$96,911.77
178Aug 2032$392.00$306.08$698.08$96,519.77
179Sep 2032$393.24$304.84$698.08$96,126.53
180Oct 2032$394.48$303.60$698.08$95,732.05
181Nov 2032$395.73$302.35$698.08$95,336.32
182Dec 2032$396.98$301.10$698.08$94,939.34
2032 Total$4,682.1$3,694.86$8,376.96
183Jan 2033$398.23$299.85$698.08$94,541.11
184Feb 2033$399.49$298.59$698.08$94,141.62
185Mar 2033$400.75$297.33$698.08$93,740.87
186Apr 2033$402.02$296.06$698.08$93,338.85
187May 2033$403.28$294.80$698.08$92,935.57
188Jun 2033$404.56$293.52$698.08$92,531.01
189Jul 2033$405.84$292.24$698.08$92,125.17
190Aug 2033$407.12$290.96$698.08$91,718.05
191Sep 2033$408.40$289.68$698.08$91,309.65
192Oct 2033$409.69$288.39$698.08$90,899.96
193Nov 2033$410.99$287.09$698.08$90,488.97
194Dec 2033$412.29$285.79$698.08$90,076.68
2033 Total$4,862.66$3,514.3$8,376.96
195Jan 2034$413.59$284.49$698.08$89,663.09
196Feb 2034$414.89$283.19$698.08$89,248.20
197Mar 2034$416.20$281.88$698.08$88,832.00
198Apr 2034$417.52$280.56$698.08$88,414.48
199May 2034$418.84$279.24$698.08$87,995.64
200Jun 2034$420.16$277.92$698.08$87,575.48
201Jul 2034$421.49$276.59$698.08$87,153.99
202Aug 2034$422.82$275.26$698.08$86,731.17
203Sep 2034$424.15$273.93$698.08$86,307.02
204Oct 2034$425.49$272.59$698.08$85,881.53
205Nov 2034$426.84$271.24$698.08$85,454.69
206Dec 2034$428.19$269.89$698.08$85,026.50
2034 Total$5,050.18$3,326.78$8,376.96
207Jan 2035$429.54$268.54$698.08$84,596.96
208Feb 2035$430.89$267.19$698.08$84,166.07
209Mar 2035$432.26$265.82$698.08$83,733.81
210Apr 2035$433.62$264.46$698.08$83,300.19
211May 2035$434.99$263.09$698.08$82,865.20
212Jun 2035$436.36$261.72$698.08$82,428.84
213Jul 2035$437.74$260.34$698.08$81,991.10
214Aug 2035$439.12$258.96$698.08$81,551.98
215Sep 2035$440.51$257.57$698.08$81,111.47
216Oct 2035$441.90$256.18$698.08$80,669.57
217Nov 2035$443.30$254.78$698.08$80,226.27
218Dec 2035$444.70$253.38$698.08$79,781.57
2035 Total$5,244.93$3,132.03$8,376.96
219Jan 2036$446.10$251.98$698.08$79,335.47
220Feb 2036$447.51$250.57$698.08$78,887.96
221Mar 2036$448.93$249.15$698.08$78,439.03
222Apr 2036$450.34$247.74$698.08$77,988.69
223May 2036$451.77$246.31$698.08$77,536.92
224Jun 2036$453.19$244.89$698.08$77,083.73
225Jul 2036$454.62$243.46$698.08$76,629.11
226Aug 2036$456.06$242.02$698.08$76,173.05
227Sep 2036$457.50$240.58$698.08$75,715.55
228Oct 2036$458.95$239.13$698.08$75,256.60
229Nov 2036$460.39$237.69$698.08$74,796.21
230Dec 2036$461.85$236.23$698.08$74,334.36
2036 Total$5,447.21$2,929.75$8,376.96
231Jan 2037$463.31$234.77$698.08$73,871.05
232Feb 2037$464.77$233.31$698.08$73,406.28
233Mar 2037$466.24$231.84$698.08$72,940.04
234Apr 2037$467.71$230.37$698.08$72,472.33
235May 2037$469.19$228.89$698.08$72,003.14
236Jun 2037$470.67$227.41$698.08$71,532.47
237Jul 2037$472.16$225.92$698.08$71,060.31
238Aug 2037$473.65$224.43$698.08$70,586.66
239Sep 2037$475.14$222.94$698.08$70,111.52
240Oct 2037$476.64$221.44$698.08$69,634.88
241Nov 2037$478.15$219.93$698.08$69,156.73
242Dec 2037$479.66$218.42$698.08$68,677.07
2037 Total$5,657.29$2,719.67$8,376.96
243Jan 2038$481.17$216.91$698.08$68,195.90
244Feb 2038$482.69$215.39$698.08$67,713.21
245Mar 2038$484.22$213.86$698.08$67,228.99
246Apr 2038$485.75$212.33$698.08$66,743.24
247May 2038$487.28$210.80$698.08$66,255.96
248Jun 2038$488.82$209.26$698.08$65,767.14
249Jul 2038$490.37$207.71$698.08$65,276.77
250Aug 2038$491.91$206.17$698.08$64,784.86
251Sep 2038$493.47$204.61$698.08$64,291.39
252Oct 2038$495.03$203.05$698.08$63,796.36
253Nov 2038$496.59$201.49$698.08$63,299.77
254Dec 2038$498.16$199.92$698.08$62,801.61
2038 Total$5,875.46$2,501.5$8,376.96
255Jan 2039$499.73$198.35$698.08$62,301.88
256Feb 2039$501.31$196.77$698.08$61,800.57
257Mar 2039$502.89$195.19$698.08$61,297.68
258Apr 2039$504.48$193.60$698.08$60,793.20
259May 2039$506.07$192.01$698.08$60,287.13
260Jun 2039$507.67$190.41$698.08$59,779.46
261Jul 2039$509.28$188.80$698.08$59,270.18
262Aug 2039$510.89$187.19$698.08$58,759.29
263Sep 2039$512.50$185.58$698.08$58,246.79
264Oct 2039$514.12$183.96$698.08$57,732.67
265Nov 2039$515.74$182.34$698.08$57,216.93
266Dec 2039$517.37$180.71$698.08$56,699.56
2039 Total$6,102.05$2,274.91$8,376.96
267Jan 2040$519.00$179.08$698.08$56,180.56
268Feb 2040$520.64$177.44$698.08$55,659.92
269Mar 2040$522.29$175.79$698.08$55,137.63
270Apr 2040$523.94$174.14$698.08$54,613.69
271May 2040$525.59$172.49$698.08$54,088.10
272Jun 2040$527.25$170.83$698.08$53,560.85
273Jul 2040$528.92$169.16$698.08$53,031.93
274Aug 2040$530.59$167.49$698.08$52,501.34
275Sep 2040$532.26$165.82$698.08$51,969.08
276Oct 2040$533.94$164.14$698.08$51,435.14
277Nov 2040$535.63$162.45$698.08$50,899.51
278Dec 2040$537.32$160.76$698.08$50,362.19
2040 Total$6,337.37$2,039.59$8,376.96
279Jan 2041$539.02$159.06$698.08$49,823.17
280Feb 2041$540.72$157.36$698.08$49,282.45
281Mar 2041$542.43$155.65$698.08$48,740.02
282Apr 2041$544.14$153.94$698.08$48,195.88
283May 2041$545.86$152.22$698.08$47,650.02
284Jun 2041$547.59$150.49$698.08$47,102.43
285Jul 2041$549.31$148.77$698.08$46,553.12
286Aug 2041$551.05$147.03$698.08$46,002.07
287Sep 2041$552.79$145.29$698.08$45,449.28
288Oct 2041$554.54$143.54$698.08$44,894.74
289Nov 2041$556.29$141.79$698.08$44,338.45
290Dec 2041$558.04$140.04$698.08$43,780.41
2041 Total$6,581.78$1,795.18$8,376.96
291Jan 2042$559.81$138.27$698.08$43,220.60
292Feb 2042$561.57$136.51$698.08$42,659.03
293Mar 2042$563.35$134.73$698.08$42,095.68
294Apr 2042$565.13$132.95$698.08$41,530.55
295May 2042$566.91$131.17$698.08$40,963.64
296Jun 2042$568.70$129.38$698.08$40,394.94
297Jul 2042$570.50$127.58$698.08$39,824.44
298Aug 2042$572.30$125.78$698.08$39,252.14
299Sep 2042$574.11$123.97$698.08$38,678.03
300Oct 2042$575.92$122.16$698.08$38,102.11
301Nov 2042$577.74$120.34$698.08$37,524.37
302Dec 2042$579.57$118.51$698.08$36,944.80
2042 Total$6,835.61$1,541.35$8,376.96
303Jan 2043$581.40$116.68$698.08$36,363.40
304Feb 2043$583.23$114.85$698.08$35,780.17
305Mar 2043$585.07$113.01$698.08$35,195.10
306Apr 2043$586.92$111.16$698.08$34,608.18
307May 2043$588.78$109.30$698.08$34,019.40
308Jun 2043$590.64$107.44$698.08$33,428.76
309Jul 2043$592.50$105.58$698.08$32,836.26
310Aug 2043$594.37$103.71$698.08$32,241.89
311Sep 2043$596.25$101.83$698.08$31,645.64
312Oct 2043$598.13$99.95$698.08$31,047.51
313Nov 2043$600.02$98.06$698.08$30,447.49
314Dec 2043$601.92$96.16$698.08$29,845.57
2043 Total$7,099.23$1,277.73$8,376.96
315Jan 2044$603.82$94.26$698.08$29,241.75
316Feb 2044$605.72$92.36$698.08$28,636.03
317Mar 2044$607.64$90.44$698.08$28,028.39
318Apr 2044$609.56$88.52$698.08$27,418.83
319May 2044$611.48$86.60$698.08$26,807.35
320Jun 2044$613.41$84.67$698.08$26,193.94
321Jul 2044$615.35$82.73$698.08$25,578.59
322Aug 2044$617.29$80.79$698.08$24,961.30
323Sep 2044$619.24$78.84$698.08$24,342.06
324Oct 2044$621.20$76.88$698.08$23,720.86
325Nov 2044$623.16$74.92$698.08$23,097.70
326Dec 2044$625.13$72.95$698.08$22,472.57
2044 Total$7,373$1,003.96$8,376.96
327Jan 2045$627.10$70.98$698.08$21,845.47
328Feb 2045$629.08$69.00$698.08$21,216.39
329Mar 2045$631.07$67.01$698.08$20,585.32
330Apr 2045$633.06$65.02$698.08$19,952.26
331May 2045$635.06$63.02$698.08$19,317.20
332Jun 2045$637.07$61.01$698.08$18,680.13
333Jul 2045$639.08$59.00$698.08$18,041.05
334Aug 2045$641.10$56.98$698.08$17,399.95
335Sep 2045$643.13$54.95$698.08$16,756.82
336Oct 2045$645.16$52.92$698.08$16,111.66
337Nov 2045$647.19$50.89$698.08$15,464.47
338Dec 2045$649.24$48.84$698.08$14,815.23
2045 Total$7,657.34$719.62$8,376.96
339Jan 2046$651.29$46.79$698.08$14,163.94
340Feb 2046$653.35$44.73$698.08$13,510.59
341Mar 2046$655.41$42.67$698.08$12,855.18
342Apr 2046$657.48$40.60$698.08$12,197.70
343May 2046$659.56$38.52$698.08$11,538.14
344Jun 2046$661.64$36.44$698.08$10,876.50
345Jul 2046$663.73$34.35$698.08$10,212.77
346Aug 2046$665.82$32.26$698.08$9,546.95
347Sep 2046$667.93$30.15$698.08$8,879.02
348Oct 2046$670.04$28.04$698.08$8,208.98
349Nov 2046$672.15$25.93$698.08$7,536.83
350Dec 2046$674.28$23.80$698.08$6,862.55
2046 Total$7,952.68$424.28$8,376.96
351Jan 2047$676.41$21.67$698.08$6,186.14
352Feb 2047$678.54$19.54$698.08$5,507.60
353Mar 2047$680.69$17.39$698.08$4,826.91
354Apr 2047$682.84$15.24$698.08$4,144.07
355May 2047$684.99$13.09$698.08$3,459.08
356Jun 2047$687.16$10.92$698.08$2,771.92
357Jul 2047$689.33$8.75$698.08$2,082.59
358Aug 2047$691.50$6.58$698.08$1,391.09
359Sep 2047$693.69$4.39$698.08$697.40
360Oct 2047$695.88$2.20$698.08$1.52
2047 Total$6,861.03$119.77$6,980.8
Compare your product with the big 4 banks, or add more products to compare