A common misconception: money in your offset doesn’t lower your monthly repayment. What it does do is reduce the interest you’re charged - so more of your repayment goes straight to principal. That’s how you cut years off a 30-year loan without changing the repayment amount. Because interest is calculated daily, even having money in your offset for one day makes a difference. If you want to structure your loan to pay it off faster without increasing repayments, we can show you how to use your of
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