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· Established homeowner
Stop Paying the Loyalty Tax
A refinance strategy that retained a full offset account while reducing unnecessary interest costs.
The challenge
The client was on an outdated variable rate and paying more than necessary, but wanted to preserve the flexibility of a full offset account.
Our approach
We reviewed the existing structure, compared suitable lender options and prepared a refinance application that retained the features the client relied on.
The outcome
The loan was approved within 48 hours and produced an estimated $4,500 saving in the first year, subject to the client maintaining the assumed balance and repayment profile.
This case study is illustrative and does not guarantee similar outcomes.