Why the Right Loan Structure Matters More Than Interest Rates in 2026
Picture two borrowers. Same income. Same suburb. Same purchase price. They even end up with rates within 0.10% of each other. Twelve months later, one has saved over $8,000 in interest using an offset account, and the other is trapped with a lender they can’t exit because of cross-collateralisation. The rate was almost identical. The […]