Banking
Offset Account or Redraw Facility: Understanding the Difference
Offset accounts and redraw facilities can both reduce home-loan interest, yet access, tax treatment and product rules make them meaningfully different.
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Category: Home Loans
Home Loans
How a Mortgage Serviceability Buffer Changes a Borrowing Assessment
Australian lenders assess whether borrowers could manage repayments above the advertised rate, creating a gap between loan pricing and borrowing capacity.