Interest Offset Loans
Use our service for the next purchase, or refinance, of your home or investment property and receive
friendly & professional service, a great loan from your choice of leading lenders plus a mortgage rebate!
Information on Basic Variable Interest Rate products Information on loans that have a discounted interest rate for an introductory period Information - 100% Interest Offset mortgages
Information about Standard Variable Interest Rate products Information about loans typically sought by investors Information about Interest Only loans
Information on Line of Credit 'Equity' facilities Information about loan packages with interest rate discounts Construction loan information
Commercially secured loan information Information on Fixed Interest Rate mortgages Low Document/Non Conforming loans - for those with unsubstantiated income or credit defaults

100% Interest Offset Loan Facilities

These loans have a transaction account linked to the loan. The purpose of this link is so that the balance of funds in the transaction/savings account is 100% offset against the interest being charged to the loan account.
ie; the interest on almost all mortgages is calculated daily so if on the 15/3/04 the client has a $100,000 loan balance and a $20,000 transaction/savings account balance then 100% offset takes effect and the interest charged to the loan account will only be based on $80,000.
100% offset loans are popular as many borrowers get comfort from the ease of use of a well set up system and the knowledge that their money is constantly being put to good use. A client typically has their salay/income directly credited into the transaction account and pays for everyday living costs on a 40-55 day interest free credit card. The credit card is then repaid in full before the interest on it falls due and the end result is that the clients money is working as hard as possible to reduce the interest being charged to the mortgage.

Call or email for lender's comparison rate schedules or specialised Mortgage Software generated comparisons that details relevant features of competing loan products side by side and also gives an AAPR (average annual percentage rate) which is an indication of the 'true' cost of the loan over a seven year term.

The above 100% Offset Loan content is information only and should not be construed as financial advice.

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or click here for email details.
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