Try the Extra Repayments & Offset Savings
Run the numbers while you read and see how the concepts apply to your situation.
Frequently asked questions
Is it better to keep cash in offset or pay down?
Offset preserves flexibility (access to funds) while reducing interest. Paying down permanently reduces balance. Consider redraw rules and your liquidity needs.
Do fortnightly repayments really save interest?
Making the equivalent of 13 monthly payments per year (via fortnightly) can reduce total interest and term, depending on lender calculations.
RealEstateCalc Editorial
Property & Finance ResearchThe RealEstateCalc editorial team researches and writes about Australian property, finance, and tax topics. All content is fact-checked against official sources including the ATO, state revenue offices, ASIC Moneysmart, and the RBA.
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