Bonhomie Advisory

Bonhomie Advisory Mortgage & finance advisory | Purchases | Refi | Investment

02/03/2026

Most people underestimate what an offset account can quietly do over time.

Let’s use a simple example — a $1,000,000 loan over 30 years at 6.00% P&I.

Without an offset, total interest paid over the life of the loan is roughly $1.15 million.

Now look at what happens when cash simply sits in offset from day one:

• $20,000 in offset can save around $38,000 in interest and cut almost 10 months off the loan.
• $50,000 in offset can save around $96,000 and reduce the loan term by more than 2 years.
• $80,000 in offset can save around $153,000 and bring the finish line nearly 4 years closer.
• $100,000 in offset can save close to $192,000 and cut more than 4½ years off the loan.

That’s not investing in shares.
That’s not buying another property.
That’s simply reducing interest.

At 6%, every dollar sitting in offset is effectively earning you a 6% risk-free, after-tax return — because it’s stopping interest from compounding against you.

Sometimes wealth building isn’t about chasing higher returns.
It’s about tightening structure and stopping unnecessary leakage.

Optimisation beats speculation.

Illustrative example only. Figures are for general information and do not constitute credit advice. Individual circumstances and lender approval apply.

💡 What if one small rate change could shift your entire strategy?“Can I do better on my investment loan?”He was paying 6...
26/02/2026

💡 What if one small rate change could shift your entire strategy?

“Can I do better on my investment loan?”

He was paying 6.25% on a $400,000 P&I investment loan, with repayments around $2,460 per month. We reviewed his position and secured a sharper rate with a major lender at 5.44% P&I, bringing repayments down to roughly $2,255 per month.

That’s about $205 saved every month.

With the property rented at $660 per week, the numbers are now sitting much closer to neutral — meaning the property is largely supporting itself.

Sometimes it’s not about buying more.
It’s about optimising what you already own.

If you’re unsure whether your current rate is still competitive, a quick review might surprise you.

Example shown is for illustration purposes only. Results vary based on individual circumstances and lender approval.

17/02/2026

Refinancing under the 5% Deposit Scheme is possible — but only under strict conditions. You may move to another participating lender and retain the government guarantee provided you do not increase the loan amount, extend the loan term, or make changes that affect your eligibility. If you refinance to a non-participating lender, increase the loan, or alter the structure in a way that breaches scheme rules, the guarantee will fall away.

Many homeowners don’t realise this until they review their loan structure. When was the last time you reviewed yours? Or are you currently considering a pre-approval?

If you’d like to explore your options — including whether a more competitive rate or eligible cashback offers of up to $3,000 (where available and subject to lender terms) may apply — feel free to send a DM for a general review.

Disclaimer:
This information is general in nature and does not constitute credit or financial advice. Eligibility for the 5% Deposit Scheme and any refinance benefits is subject to government guidelines, lender policy, and individual circumstances. Applications are subject to credit assessment and approval.

Reviewing your rate regularly helps ensure your loan stays competitive as your circumstances and the market change. A we...
26/01/2026

Reviewing your rate regularly helps ensure your loan stays competitive as your circumstances and the market change. A well-structured refinance can reduce interest costs over time and improve how your home loan works for you, not just today but long term.
If you need any assistance with home loans / Refinance, Submit your query here 👉 https://tinyurl.com/bonhomie-advisory

Before refinancing, it’s important to understand why you’re making the change. Refinancing isn’t just about chasing a lo...
25/01/2026

Before refinancing, it’s important to understand why you’re making the change. Refinancing isn’t just about chasing a lower rate. It’s about reviewing your current loan, understanding how it fits your goals, and identifying whether your structure still works for you. A well timed refinance can improve cash flow, unlock better features, or simplify your loan setup. Getting clarity upfront helps you make informed decisions and avoid unnecessary costs or surprises later.
If you need any assistance with Borrowing Capacity , Submit your query here 👉 https://tinyurl.com/bonhomie-advisory

20/01/2026

LVR plays a big role in the interest rate investors pay. A lower loan to value ratio is seen as lower risk by lenders, which often means access to sharper pricing. As LVR increases, rates and restrictions can increase too.

This is why structure and timing matter just as much as the purchase itself when building a property portfolio.






Offset vs Redraw – what’s the difference?Both offset and redraw can reduce the interest you pay, but they work in differ...
16/01/2026

Offset vs Redraw – what’s the difference?

Both offset and redraw can reduce the interest you pay, but they work in different ways and suit different situations.

An offset account is a separate account linked to your loan. The balance reduces the interest charged while keeping your money accessible. A redraw facility allows you to access extra repayments you’ve already made, but those funds are technically part of the loan.

What matters most is flexibility, access to funds, and how you plan to use your cash over time — not just the feature itself.

We help clients understand which option fits their cash flow and future plans before deciding.

Subject to lender criteria.

Fixed vs Variable – what actually mattersChoosing between fixed and variable isn’t about picking the cheapest rate today...
15/01/2026

Fixed vs Variable – what actually matters

Choosing between fixed and variable isn’t about picking the cheapest rate today. What really matters is how the loan fits your cash flow, flexibility needs, and future plans.

Fixed rates can offer repayment certainty and budgeting confidence, but often limit flexibility around extra repayments, offsets, or refinancing. Variable loans usually provide more flexibility and features, but repayments can change as rates move.

We help clients look beyond the headline rate and understand the trade-offs, so the structure supports their situation now and over time.

Subject to lender criteria.

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