If you make a lump sum payment towards your Choices Fixed Home Loan during the fixed rate period you may need to pay a prepayment cost. A prepayment cost is the cost to us of breaking the loan. We determine the cost on the basis of a formula. 

You can ask us at any time to estimate the cost of prepaying all or part of your Choices Fixed Home Loan. Here's a copy of the formula and examples of how it works (PDF).