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Journeys : Aug Sep 2012
please present your RACT card prior to your quotation or purchase Show Your Card & Save Download the free RACT app now! $500 or $1000 (depending on loan amount) # Interestratediscountupto0.58%p.a.*Noapplicationfee^,nomonthlyfeesandnoannualpackagefees.Fee-freebank i ng! WANT A HOLIDAY WITH YOUR HOME LOAN? Let’s get together. Simply switch your home loan to B&E today and start saving with our great value home loan package designed just for RACT members. Not only will you reap the benefits of a low interest rate and no fees – and we mean NO fees – we’ll also reward you with an RACT Travel Voucher so you can take a well-earned break. To find out more about this exclusive RACT member-only offer, call 1300 306 716, visit www.b-e .com.au or drop into your local B&E branch. Things you need to know: This offer is valid for RACT members only and cannot be used in conjunction with any other offer. Applications must be made direct to B&E Ltd and are subject to our standard credit assessment criteria. Terms and conditions, including fees and charges, apply. Full details are available on application. *Minimum loan amount of $150,000. Discount from standard Home Loan Variable Rate (which is subject to change) is 0.58% p.a. for loans $300,000 and above and 0.48% p.a. for loans $150,000 to $299,999.^ Nil application fee excludes government fees and charges. # RACT Travel Voucher is payable on settlement of home loan and establishment of Home Advantage account. B&E reserves the right to alter or withdraw this offer at any time and without notice. B&E Ltd ABN 32 087 652 088 AFSL & ACL No. 236870. 0200 Top tips for moving your mortgage There are a number of reasons you may consider refinancing your home loan. You may be looking for a better interest rate or to reduce monthly or annual package fees, or perhaps you want to tap into the equity you’ve built up in your home to renovate, go on holiday or purchase your next car. If you are looking at refinancing your home loan, it’s a perfect time to review the market and consider switching providers. According to one of Tasmania’s leading lending specialists, B&E Personal Banking, there are a number of key points to consider when switching your home loan. For example, check the type of loan facility (ie: fixed rate or variable) you have and the cost of paying out your loan. Fees can vary between lenders and are individual to the loan. When switching your home loan, there are costs involved in setting up a loan with the new provider such as application fees, government charges and title searches. Depending on your circumstances, you may also need to take out mortgage insurance, which is an additional cost. Remember, it may take time to recoup the costs of switching home loan providers. For example it may take a few years before the saving on interest rates and fees makes up for the costs of terminating the previous loan and setting up your new loan. It’s also important to review the overall package offered by the prospective home loan provider. Consider whether they offer: • A fee free everyday banking account or a mortgage offset account linked to your home loan; • The ability to go from variable to fixed rate and any associated costs; • A redraw facility and the option to make additional repayments without penalty. Lastly, make sure you get good advice and have all the facts in front of you, before you make the decision to switch. RACT exclusive member offer: Apply for a B&E home loan today and be rewarded with a RACT Travel Voucher valued at up to $1,000! B&E Personal Banking has joined the Show Your Card & Save Program and can offer R ACT members an exclusive home loan package, including a bonus holiday voucher. To find out more, simply call B&E on 1300 306 716 or drop into your local B&E Branch.
Jun Jul 2012
Oct Nov 2012