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Hiya Mel nah Breakfree is the deal where u pay no app or monthly fees, but you get a good discount on variable, you get a free ( though force fed) credit card and a fee free offset acct Pro Pack is simply the discounted variable........still pay an app fee and a monthly if it applies...

Hiya Sidor If you take a fixed rate there is probably a little less exposure to world credit markets than a variable rate in that style of lender. Pro packs are well suited to "risk averse" borrowers that want more surety that their rates arent going to unilaterally raise their variable...

Hiya Azza on the basis any of those packs will work, but stay away from STG and Heritage whose Offset is interest based and not a true 100 % offset on PPOR based loans. Have a look at the ANZ professional package ( not the breakfree) , structured right this can be cheapish and still...

Hiya One small (maybe BIG) point here is that u are comoaring these things as if they were 3 fridges :), for many mum and dad PPOR buyers, a mortgage secured loan can often be considered as a "consumber durable"................ I would like to say that comparing these 3 products...