Professional Packaged Home Loans

The term professional package home loans may sound confusing or maybe misleading. A professional packaged home loan is generally a home loan product offered by most banks where you have fully featured banking, and is available to most people seeking a mortgage. The bank or lender may charge an annual fee ranging from $299 to $395 per year.

The benefits of professional package home loan is that you may have the ability to split your mortgage, and have a fixed rate, variable rate or line of credit mortgage with no application fees (a big saving). The bank or lender may also offer an offset account with no monthly fee, a no annual fee credit card, interest rate discounts on fixed rate, variable rate and line of credit home loans. You may also receive discounts on various types of insurance products the banks or lender are offering at the time. This type of product is a fully featured banking product, and may save you money, depending on your needs and personal situation.


  • There may be no application fees on multiple home loans.
  • There may be interest rate discounts on your home loan.
  • You may have an offset account or multiple offset accounts.
  • You may have the option of an annual fee free credit card.
  • There may be no application fees on future lending.
  • The lender may offer discounts on various types of insurances.


  • There generally is an annual fee.
  • You might not want a credit card.
  • There may be some monthly or application fees.
  • You may pay a once off mortgage insurance fee, if the loan value is greater than 80% of the property value.

Loan Term And Repayment Types

  • The home loan term may range from 5 to 30 years.
  • Principle and interest repayments are available
  • Interest only repayments may be available.

If you would like some more information on Professional Packaged home loans, contact Perth Mortgage Broker Group , or call Troy on 0411 229 602, 7 days a week.

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