Understanding how the final customer rate is calculated helps you find the best deal.
1. Base Rate
Each product has a base rate determined by factors like:
2. Pricing Loads
Additional rate adjustments (in basis points or percentage) based on:
3. Final Rate
Base Rate + All Applicable Loads = Customer Rate
1 basis point = 0.01%
100 basis points = 1%
Example: A +50 bps loading adds 0.50% to the rate.
Click on any product to expand the Pricing Impact section showing:
Asset Class Loading (+100-300 bps)
Secondary and tertiary assets attract higher loads.
Broker Fee Loading (+25-100 bps)
Higher broker fees may add to the customer rate.
Credit Score Loading (+50-200 bps)
Lower credit scores in acceptable range may have loadings.
Private Sale Loading (+50 bps)
Some lenders load rates for private sale transactions.
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