Offset vs redraw: Which loan feature helps you save more?

When choosing between an offset account and a redraw facility for your home loan, it’s important to understand how each can impact your repayments and interest savings. An offset account links your savings to reduce the loan balance, lowering interest charges. On the other hand, a redraw facility allows you to access extra repayments, directly reducing your loan principal. Both features help you pay off your loan faster, but the right choice depends on your financial goals. For personalised advice, speak to a mortgage expert at ZedPlus to find the best option for you.

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