Most lenders offer professional packages, which are a all in one loan, which you pay a per annum fee and receive a discounted variable rate, no application fee, no fee credit card, discount off their insurance, some offer also no cost to fix or increase your loan at a later date. These loans are great if you are going to use all the features, however some basic rate loans work out more cost effective for people who do not use all the features. Make sure you use the comparison calculate and have a good think about what your goals and needs are. This example is of a loan of $550,000+ and borrowing LVR80% of the purchase or valuation price.
View example sheet (pdf, 2.05MB).