Example of some standard variable rate loans with 100% off-set accounts and no-ongoing fees. Compare these loans with some of the professional packages loans they may work out better for you, if you are not using all the features of the professional package loans. Also make sure if you using a credit card, and are not paying it off completely every month, a credit card with a lower interest rate maybe better for you than a fee free credit card on a professional package you maybe paying 18-19% interest where a lower interest rate credit card may be 12-14% interest.
View the example sheet (pdf, 1.49MB).