Dear All,
For many borrowers, the search begins — and ends — with one question:
“What’s the lowest interest rate I can get?”
But there’s a deeper question that borrowers, brokers, accountants, and financial planners should ask:
“What if the smartest path to affordability and building equity isn’t about chasing the lowest interest rate — but about reducing the amount you actually need to borrow?”
Consider Reducing the Home Loan Amount
This is where AffordAssist emerges as a first-of-its-kind solution — rethinking existing structures and integrating seamlessly with established real estate processes, banking systems, conveyancing practices, and lending compliance frameworks — to reduce a home loan amount by, say, 1%–25% without increasing risk.
The solution can also be tailored with interest-free payments, shared equity, or a combination of both.
No compounding. No penalty interest.
Just a deferred, interest-free amount that lowers the buyer’s required mortgage.
Lowest Interest vs. Interest-Free: What’s More Beneficial?
If I may suggest, run the numbers. Reducing a home loan by 5%, 10%+, or even a modest 2% can save a significant amount in interest over the life of a loan.
For example, reducing a home loan by $80,000 — where total repayments to a lender can typically approach twice (or more) the amount borrowed over time — can, when structured through the AffordAssist interest-free solution, result in approximately $160,000 in interest savings over the life of the loan.
Reducing the loan amount — even before considering the interest rate — can result in:
- Lower total interest paid over the life of the loan
- Faster equity growth
- A lower LVR
- A safer and more flexible long-term position
Interest-free, wherever possible, is more beneficial.
AffordAssist: The Interest-Free Advantage
The question is no longer:
“What’s the lowest interest rate?”
It’s:
“How do I reduce the cost of borrowing altogether?”
And the answer, increasingly, is:
Structure your purchase by pairing a traditional home loan with the AffordAssist interest-free deferred deposit solution.
Regards
AA
B2B – AffordAssist facilitates and oversees the governance process. Are you a mortgage broker, lender, developer, real estate agent, affordable housing advocate, or housing minister? We welcome your collaboration. Join us in our mission to expand access to home ownership. Together, we can make a lasting impact.
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