Professional Packages Loans

One annual fee with many benefits...

For one yearly fee you can purchase and maintain multiple loans under the one package. You also receive a discount off the standard variable rate depending on your total aggregated loan amount. Other advantages includes discounts on insurance and credit card fees.

Significant savings can be made when you add up the benefits associates with professional packed loans

What to look for...

• Discounts off the standard variable rate

• Discounts off fixed rates or fixed rate loans need to be competitive

• Multiple loan accounts without the added establishment or get in costs for a new loan

• Waiver of monthly account keeping fees

• Annual fee must be significantly offset by the interest rate and fee savings

• Discounts on other financial products such as annual fee waived on credit cards, free financial planning visits etc

Advantages

Disadvantages

• Have multiple loans under the one package

• Usually come with 100 offset account and free redraw

• Discounts off variable, fixed and line of credit loans

• Nil application and valuation fees

• Discounts on other financial products

• Annual fee can be as high as $550 for some lenders

• Some lenders restrict the number of loans held under

one package

Need Help...submit a mortgage quote and a qualified professional can help you find the right loan best suited to your lending needs.

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Lenders with Professional Packaged Loans, Fees and Features...

Lender		Home Loan to Look Out For
Note: Many More Lenders Available. This is just a representation of some of Australia's most longest standing lenders that offer ongoing competitive rates. Please discuss other lender options with your mortgage consultant.
MAJOR BANKS
	ANZ 100% Offset Loans	Breakfree and Mortgage benefits. $375 fee annual fee, up to 0.70% discounts for variable rates and line of credit loans
	Commonwealth Bank Home Loans	Variable, fixed and line of credit loans under Wealth Package or MAV Package loans. $350 fee annual fee, up to 0.70% discounts for variable rates and line of credit loans and 0.15% discount for fixed rates
	NAB Home Loans	Variable and fixed rate loans under Choice Package. $395 yearly fee applies
	Westpac Home Loans	Premier Advantage Package. $395 fee annual fee, up to 0.70% discounts for variable rates and line of credit loans and 0.20% discount for fixed rates
	Homeside Lending NAB Home Loans	Professional - Homeplus loans with low $10 a month fee with included interest rate discounts
SMALLER BANKS
	Adelaide Bank Home Loans	Not available
	AMP Home Loans	Available for variable and fixed rate loans. $349 annual fee
	Bank West Home Loans	Professional - Lite Plus and Premium Home Loans. Partial offset for fixed rates with a $360 annual fee
	Citibank Home Loans	Mortgage Plus Package - $350 annual fee with discount off variable interest rates
	ING Direct Home Loans	No real professional product available
	St George Home Loans	Professional - Advantage Package. $395 fee annual fee, up to 0.70% discounts for variable rates and line of credit loans and 0.15% discount for fixed rates
	Suncorp Home Loans	Professional - Money Manager Package. Up to 0.70% discount for variable and line of credit interest rates. $25 per month
BUILDING SOCIETIES
	Heritage Bank	Professional Packages available with discounts off the variable rate for an annual fee of $250 yearly
	The Rock Building Society	Rock Star Professional Packaged Loan. Up to 0.70% discount for variable and line of credit interest rates. $300 annual fee applies
OTHER LENDERS
	Homeloans Ltd	Available

Need Help?

To find out which lenders offer the most most competitive professional packaged loans we recommend that you contact one of our mortgage professionals below. They can show you all the all the hidden costs and restrictions as well as show you the most reputable lenders to choose from.

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