‘Negotiator’ – possibly the best value home loan package available.

As well as an impressive list of features, Negotiator* also gives you the ability to further maximise the value of your home loan package. Negotiator’s unique value add feature, allows you to negotiate the rate and any loan costs or fees payable in association with your home loan package.

So depending on your financial requirements, required loan structure and loan amount, the “Negotiator Home Loan Package” entitles you to negotiate for what you consider to be the best suited pricing deal for your particular circumstances!

For instance;
“you might select to have no upfront loan costs & fees and negotiate on a higher interest rate offer”, or
“you might select to pay all upfront loan costs & fees and negotiate on the lowest  possible interest rate offer”, or alternatively
“you may wish to select a position somewhere in between and pay some loan costs & fees upfront and negotiate a median interest rate offer”.

Whatever your decision, with ‘Negotiator’ you can further fine tune the value of the home loan package to deliver the best benefit to you!

Let’s look at some examples of how you might use Negotiator to enhance the value and fine tune the benefits;

Jeremy & Angel have 2 children and are a one income family where every dollar of income is precious and savings minimal. They are looking to purchase a much needed replacement motor vehicle using some equity that will be created from the refinance of their home. As they are on a tight budget, they negotiate to pay all upfront loan costs & fees out of the equity created from their refinance and negotiate on the lowest interest rate possible to their circumstances resulting in them achieving the lowest possible monthly repayment. (i.e. Pay all upfront loan costs & fees and negotiate the lowest possible interest rate.)

Natasha & Glenn are looking to purchase a larger replacement home to accommodate their family of 5 which includes 3 teenage children. A few years earlier, they used up a large portion of their home equity when paying for an overseas family holiday and purchasing an inground swimming pool and spa as well as making provision for pending University Fees as there eldest daughter is in her last year of school. They have little savings and will have limited home equity available from the sale of their existing home but have fairly good combined income. They decide to negotiate a higher interest rate and pay no upfront loan costs & fees enabling them to maximise full use of their savings and home equity in paying for a deposit and relocation expenses while retaining enough to cover their daughters University Fees. (i.e. Pay no upfront loan costs and negotiate a higher interest rate.)

Trevor & Anne are purchasing a townhouse to be used as an investment property and they have been advised that both the interest and loan costs will be legitimate deductions for taxation purposes. They have identified that paying certain loan costs & fees upfront and a median interest rate will give them the best financial benefit suitable to their particular circumstance. (i.e. Pay a balance of negotiated upfront loan costs & fees and a negotiate a median rate.)

‘Negotiator’ - Just another great value home loan package from CommunityBE$T!

To book an appointment with a Mobile Lending Strategist, simply email us or phone the Finance Centre on (02) 4633 8700. Get under way to negotiating yourself a better value deal, by firstly completing our 10 min Online Pre-Application,

* Loans subject to application and approval. Terms, conditions and eligibility criteria apply. Fees and charges may be payable.