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Offset Mortgage

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Offset Mortgages

How can you best use the savings the result from using an Offset Mortgage.

The client has 2 options in this regard.

1. Reducing the term of the mortgage now or 2. Reducing their monthly mortgage payments.

(1) Reduce the term of the mortgage.

The money the client saves by using the offset mortgage can be used to reduce the balance each month and pay off the mortgage earlier. This could be days, months or even years.

(2) Reduce their monthly mortgage payments.

Payment reduction could be the best option if your client wants to reduce their monthly expenditure. The mortgage interest they save one month can be used to reduce the monthly mortgage payment in the following month.