Lenders will be reluctant to educate you how to reduce your loan quickly, after all it’s simply not in their best interest.
Our ethos is to ensure that every client’s situation is understood, their objectives met and the best possible financial outcomes have been created for their situation.
Often we find that our clients foremost objective is to become debt free in the soonest possible time and improve your lifestyle.
An “Integrated Investment Group” “Mortgage Debt Reduction Strategy” is based on 3 core principles:
By analysing your current loans it may be worthwhile to consolidation debts to lower overall interest rate and monthly payment resulting in a surplus of cash flow.
Analysing both our income and expenses we aim to identify further surplus cash flow that will be channeled into the home loan.
Surplus cash flow may be paid as regular extra payments or as lump sums directly off the home loan, alternatively all your income may be deposited into an offset account whereby the the account balance off sets the principal component on your home loan. The more money in the account, the less interest and more principal is paid on each payment and the more rapidly the loan term will be reduced.
Keep in mind the ability to make extra payment, lump sum payments and an offset are not necessarily available with all loans therefore it’s crucial to obtain expert advice prior to selecting a loan.