A mortgage shouldn’t be a one off agreement. As market conditions shift and your equity builds, an unoptimised loan actively costs you money. This is commonly referred too as loyalty tax.
We review your existing structure to ensure your debt is actively working for your financial position, not against it.
Learn how to evaluate your current rate structures against the market to unlock hidden savings and maximise equity
Legacy loan structures frequently fail to account for changing financial situations. True mortgage optimisation requires a deliberate evaluation of all components.
By strategically restructuring your liabilities, you unlock immediate pathways to accelerate repayments, reduce non-deductible interest or build up equity
It’s always worth checking to see if your current loan still suits your needs — and we’re a great place to start.
Whether you can lower your repayments will depend on a few factors, including:
We can quickly review your situation and explain your options, helping you decide if refinancing or switching loans could save you money.
This is one of the reasons some people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans etc. Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments of the debt that you consolidate at their current level, or you could easily end up paying more over a longer period of time. Speak with us today to discuss your personal needs.
Most lenders offer flexible repayment options to suit your pay cycle. If you aim for weekly or fortnightly repayments, instead of monthly, you will make more payments in a year, which could potentially shave dollars and time off your loan.