Finance advice
Warren Dworcan

6 need-to-know tips to pay off your home loan faster

By Warren Dworcan

Typical Australian home loans have terms of 20 to 30 years. When you start to consider the amount of time you need to fully repay your mortgage, it feels more like a prison sentence than a way to fulfill your dream of acquiring your own home. However, there are ways by which you can potentially slash years off your current loan.

Blogger: Warren Dworcan, managing director, Rate Detective Finance

Here are a few of them:

1. Make extra repayments. Majority of Australians take out variable rate loans. One of the reasons why this type of loan is ideal is that it allows you to make extra repayments on your loan. When you regularly put in more cash to your debts, you will be able to reduce the amount of time needed to repay it in full.

2. Consider using an offset/redraw account. Offset accounts and redraw facilities are two home loan features that allow you to use any extra income or savings to reduce the balance of your loan, thereby reducing your interest repayments. There are differences between the two but when used correctly both can cut years off your loan.

3. Pay more. When interest rates drop, you don't have to cut your repayments. One strategy you can take is to maintain your level of repayments even if rates fall. This then allows you to make bigger loan repayments without increasing the amount you spend every month.

4. Switch loans. Lenders are always looking to get new clients, so they constantly make their loan products more attractive than what competitors offer. This then works to your advantage since it creates better options for you. So always be on the look out for great deals and if you find one that is better than your current loan, consider switching to it. You can make a switch with the same lender, or switch to a new loan and a new lender altogether.

5. Split your repayments. Choosing fortnightly repayments over monthly also enables you to cut more off your debt. The reason for this is that there are 26 fortnights in a year, so you will essentially pay for 13 months instead of just 12 months with monthly repayments.

6. Choose loans carefully. Not all loans are created equal. It thus helps to work with a qualified mortgage broker so you can have several loan options at once. Having many options to choose from is ideal since it helps ensure that you will be able to get one that suits your needs.

Also remember to compare home loans using comparison rates. Comparison rates provide you with the true cost of the loan since it already factors in things such as the term of the loan, the interest rate plus the fees and charges.

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About the Blogger

Warren Dworcan

Warren Dworcan

Warren Dworcan is the Managing Director of Rate Detective Finance, which provides information to consumers about home loans, credit cards, personal loans and personal insurance.

Successfully assisting thousands of Australians with loan enquiries in excess of more than $1 billion, Warren alongside his highly qualified and dedicated staff are equipped to deal with all aspects and complexities associated with the mortgage market.

Over the last two years Warren has been dedicated to growing the business into becoming one of the leading independent brokerages in Australia.

Recently recognised as one of the top brokers in Australia, Warren was awarded the coveted Australian Broker of the Year award in both 2012 and 2013 at the Australian Broking Awards in Sydney.

FROM THE WEB

podcast

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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