Hi:
Zero cost means the moving fee is paid by the bank, but the interest rate may not be as low as a non-zero cost package. Therefore, if you have enough savings to pay for the cost, take a non-zero will be better.
I can help you to get to the banker from most of the banks. No matter you're looking for a floating rate or fixed rate, you can contact me. Thanks!
cheahyang_0@hotmail.com