Offset vs Redraw, Extra Repayments & Simple Ways to Save on Interest
Most people focus on finding the lowest interest rate — then never think about their home loan again.
But how you structure and use your loan day-to-day can matter just as much as the rate itself. From understanding offset accounts vs redraw facilities to making extra repayments, small changes in how you manage your mortgage could save you thousands in interest over the life of your loan.
Two people can have the exact same interest rate but end up paying tens of thousands of dollars apart, simply because of how they use their loan.
FREE 30 MINUTE ON-DEMAND WEBINAR
In this webinar, Andres will guide you through:
Whether your repayment frequency — weekly, fortnightly or monthly — actually affects how fast you pay off your loan.
What an offset account is, how it reduces your interest, and whether it’s worth having.
How a mortgage broker can help you compare your options and negotiate with your lender.
Founder and Director of Guzman Finance, Andres Guzman, has more than 17 years of experience across banking, lending and mortgage broking and has helped hundreds of clients secure and manage their home loans. Fluent in both English and Spanish, Andres provides clear, personalised guidance to clients from a wide range of backgrounds.
Andres understands that a home loan doesn’t stop mattering once it settles. He takes the time to understand each client’s goals, clearly explain their options, and provide personalised support long after settlement day.
From reviewing your rate and repayment structure to identifying whether refinancing could help, Andres is there to make sure your home loan keeps working as hard as you do.
What our clients say: “Andres and team have helped us manage our mortgage through first home buying, refinancing, career changes and starting a family. Unwavering professionalism and assistance at every step of the way — we have recommended Guzman Finance to several family and friends.”
— Nic Droste
Enter your details below to receive instant access to the pre-recorded webinar:
A prerecorded webinar hosted by Greta Hearle and presented by Andres Guzman.
Register Now and Access the webinar.
FAQ
Whatever your circumstances, we will find the deal that’s right for you.
Send through a quick enquiry and we will be in touch.
Yes. The webinar is completely free to access, with no obligation to book anything afterward.
This is a pre-recorded, on-demand webinar. Once you register, you can watch instantly and at any time — pause, rewatch, or come back to it whenever suits you.
An offset account is a savings or transaction account linked to your home loan — any money sitting in it is offset against your loan balance before interest is calculated. Check your loan statement or online banking; if you have one, it’s usually listed as a linked “offset” or “everyday” account attached to your mortgage.
Yes. There’s an option to request an obligation-free home loan review when you register, and Andres will be in touch to go through your specific situation in more detail.
An experienced broker like Andres compares options across 40+ lenders rather than offering just one bank’s products, and does the legwork of comparing rates, features and eligibility on your behalf — at no cost to you, since brokers are paid by the lender, not the client. You get the same access to negotiate rate and terms, just with someone acting on your behalf throughout the process.
The examples in this webinar are illustrative only and are based on assumed interest rates, loan balances and loan terms. Your actual savings will depend on your own loan and circumstances. This webinar provides general information only and does not take into account your personal objectives, financial situation or needs. Before making any decisions about your home loan, consider whether the information is right for you and speak with a qualified professional.
