24/08/2026
You will often hear us talking about your loan structure being more important than the chasing the lowest rate.
That's because the rates are outside our control and are always fluctuating but the structure can be built around your circumstances, situation and money habits with the goal of paying down your mortgage quicker, - regardless of what the rates happen to be doing.
These 4 ways of paying down your mortgage can all form part of the structure that is best for you:
✅Offset accounts: A linked savings account where your cash balance reduces (or offsets) the portion of the mortgage you are charged interest on.
✅Revolving credit: Combines your everyday bank account and a portion of your mortgage into one overdraft-style loan, using your daily cash balance to temporarily lower the loan balance and daily interest costs.
✅Increase regular repayments: Paying slightly more than the required minimum on a regular basis directly lowers your loan balance, reducing the total interest charged over time.
✅Lump-sum repayments: Applying one-off windfalls - like bonuses, tax refunds, or inheritance - directly to your principal balance to immediately reduce the overall loan size.
Reach out to our team to discuss how these may help you with your mortgage.
