If your loan has an offset account, the money sitting there is already doing the heavy lifting. Funds held in your offset reduce the balance your interest is calculated on, which means less interest charged and more of your repayment going toward the loan itself. Changing your repayment frequency doesn’t magically save you interest if your offset balance is working consistently in the background. In many cases, building your savings in an offset can be more effective, more flexible, and far less
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