Home Loans Products

The Available Products

Depending on your loan requirements these loan products vary in features.

As with all types of properties, you view to purchase, not all home loan products are the same or equal. You will need to find the best appropriate home loan product that suits your current requirements plus be mindful that when your wealth portfolio grows your loan product may need to change as well.

When choosing a loan product, choose the one that suits your requirements now, i.e., you may wish to lock in a low Fixed Rate loan to take advantage of the fixed monthly repayments for the term of the Fixed Rate, or you may just want a very Basic Loan product with no fees since the loan is small in comparison to a larger loan that needs to be heavily discounted under a Professional Pack product that will have an annual fee, which is not warranted for a Basic Loan Product.

Depending on the loan size, your current circumstances and your short to long-term wealth plan goals, a Standard Variable Rate or a Fixed Rate or a combination of both may be required. We will be able to assist and explain the differences in loan products available to you.

 

One rule of thumb to remember is, Loan Affordability. A quick guide on how to calculate loan affordability should be, the annual loan repayments should not be more that 30% of your After-Tax Income.

What's in a Professional Package?

With all lenders Professional Package Loan you will need to pay the annual fee, to gain the below features.

  • No $0.00 upfront establishment fee
  • No $0.00 monthly loan service fee
  • Comes with discount off the Standard Variable Rates
  • Comes with discount off the Fixed Rates
  • Comes with an Off Set Account
  • Comes with discount off any insurance available with the lender
  • No $0.00 annual fee if you take up their credit card or link your existing credit card (if with the same lender) to have the Annual Fee waived.

Intro Loan Rates

Standard Variable Rates

Construction Loan Rates

Fixed Rates

Interest Only Rates

When choosing a loan product, choose the one that suits your requirements now!

Package Add-ons

Professional Packages come with a number of features and additional discounts on other lender services.

Off-Set Account

You can link a 100% offset account to your loan under a professional pack. A 100% offset account means the interest is not being charged with an equal amount of your loan to the balance in your offset account.

The funds in your offset account are working for you to minimise the amount of interest being charged on the full loan limit.

Credit Card with No Annual Fee

Linking your credit card to the loan can save you the annual card fee charged. Normally with a rewards card, the annual fee can be a few hundred dollars which can be a much as the lender’s professional package fee.

  • May have no Annual Fee
  • May have reward points
  • May have a linked American Express Card with reward points

Other Benefits

Under a Professional Package the other benefits can be, discounts on;

  • Insurance for your Home,
  • Investment Property,
  • Loan Protection Insurance and
  • Motor Vehicle Insurance.

We are here to help, Contact Us today!

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