How Clients Can Save up to $500/Month With Smart Loan Planning

When it comes to home loans, most Australians are focused on getting approved — but not nearly enough are thinking about what happens after that. The truth is, without smart loan planning, many end up paying far more than they need to every single month.

The good news? You could potentially save up to $500 per month just by restructuring your loan the right way.

Here’s how smart loan planning can unlock savings:

✅ Choosing the Right Loan Structure

Principal and Interest vs. Interest-Only, Fixed vs. Variable — each loan type has pros and cons. Choosing the right structure based on your financial goals and cash flow can make a huge difference in monthly repayments.

✅ Negotiating a Competitive Interest Rate

You’d be surprised how many people are paying the standard rate when they could negotiate for a lower one. Even a 0.50% reduction in your interest rate on a $600,000 loan could save you around $250/month.

✅ Leveraging Offset and Redraw Features

Offset accounts and redraw facilities can dramatically reduce the interest you pay over the life of your loan. Used strategically, these features can shave hundreds off your monthly repayments.

✅ Avoiding Unnecessary Fees

From package fees to account keeping charges, some lenders bundle costs that you don’t actually need. A careful review of your loan can help eliminate these hidden expenses.

✅ Aligning Your Loan With Your Long-Term Goals

Are you planning to invest, upgrade, or retire early? Your home loan should support these goals — not work against them. Proper loan planning aligns your debt strategy with your life strategy.

Let’s Talk About Your Options

At Truth Group, I take a planning-first approach to help clients understand all the moving parts of their home loan — not just the rate. Whether you’re buying your first home, refinancing, or preparing to invest, the right structure can help you save now and build wealth long-term.

If you’d like a second opinion on your current loan or want to plan ahead before committing to one, feel free to reach out. I’m here to help make the numbers work for you — not against you.

P.S

Need Help Finding the Right Property Too?

Beyond mortgages, I also offer Buyer’s Agency services to help you find and purchase the right property — whether it’s a family home or your next investment. I guide you through every step of the buying journey, from suburb research and property shortlisting to negotiation and settlement support.

With the right property strategy and the right loan structure, you’ll be set up to grow your wealth and avoid costly mistakes.

Let’s chat if you’re ready to plan smarter and buy with confidence.

Ready to find savings in your mortgage? Let’s talk – simply click the Book a free consultation on the bottom of this page.