Today, many financial institutions offer borrowers professional packages which bundle together a suite of banking products. These products are designed to make banking a lot easier for you often giving people an amazing amount of flexibility. These home loan packages are generally available to borrowers with loans of $100,000 or more however terms and features vary and are on offer from a choice of lenders.

These home loan packages may include features like discount interest rates, waiving of transaction fees on accounts, no annual fees on credit cards, no loan establishment fees, extra credit cards, low interest credit cards and more. Some even offer discounts on car loans.

Professional home loan packages often come with an annual fee however this one annual fee means you won’t pay annual fees on individual accounts such as credit cards and transaction fees on savings accounts so the all up savings can be considerable.

With some home loan packages, Banks will waive mortgage switching fees. This is particularly beneficial if you want to change from, say, a variable rate home loan to a fixed rate mortgage at some point in time.

The main reason that financial institutions offer these professional home loan package is that they want to provide you with as many products as possible all bundled together. Doing this maximises customer loyalty which means you’re less likely to want to go to the hassle of changing Banks and re-establishing multiple accounts with another institution.

Benefits of a Professional Home Loan package summarised:

Lower interest home loan rates – up to xx% lower than market rate.
Low interest credit cards
No annual credit card fees
Many transaction and establishment fees or monthly fees on many accounts waved
No mortgage switching fees

To find out about the range of professional home loan packages that are on offer from a wide choice of lenders, call an experienced Wealth Concerns mortgage broker who can give you an apples vs apples comparison of the features on offer. As with all types of loans, a Professional Loan Package may or may not suit your situation. Your broker will be able to advise you the type of loan that best suits your needs.

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If you would like to discuss your specific circumstances call us on 1300 700 496 or alternatively text your name and number to 0411 320 962 and we will call you.

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