Mortgage & Equity Strategies

Focuses on the core financial mechanics of leveraging a home to clear debt faster

The Hidden Cost of Minimum Repayments

When you sign up for a 30-year home loan, the bank hands you a repayment schedule designed to look convenient. The minimum monthly payment feels manageable, it fits neatly into your household expenses, and it lets you get on with your life.

On the surface, making your minimum repayments every single month feels like doing everything right. You are paying your debts on time, keeping the bank happy, and slowly chipping away at your balance.

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