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Pay half your monthly repayment every two weeks. You'll make 26 half-payments (13 monthly equivalents) instead of 12. On a $600,000 loan at 6.22%, this saves ~$123,000 in interest and 4 years off the loan. Zero effort, zero cost.
Fortnightly repayments — it requires no extra money, just a frequency change. Combined with parking your savings in an offset account, these two approaches together can take 7+ years off a 30-year loan.
Variable rate loans have no early repayment penalties. Fixed rate loans may incur break costs if you pay above the annual extra repayment cap (typically $10,000–$20,000/year during the fixed period).
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