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Don't pay the Lazy tax

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With the number of products available, comparing home loans can be a daunting experience. For this reason most of us don't consider reviewing our current home loan and making  a move from our current lender. This can be costly and have disastrous effects for your finances in the long run.

Banks rely on personal inertia to extract a Lazy Tax - the extra premium they make on the difference between the rate they charge existing borrowers and they rate they use to attract  new borrowers. Instead of rewarding you for your loyalty they penalise you so the onus is on you to stay on top of them. Your home loan should be reviewed no longer than every two years.  

Your home loan is probably the biggest debt that you will ever have so your home loan should be part of a strategic plan for your finance. Your circumstances may have changed over the last two years and you may now not be in the right product. If you don’t review your current home loan along with your personal circumstances, you are probably losing money.

Etairos Finance is a one stop shop when it comes to all things finance. We have over 20 years experience in the lending and accounting space.  We help to understand your financial needs and goals and then implement a strategy to get them by finding the most appropriate products and service to meet your needs. A bank can give you information on products, features, and repayments but they don't sit with you and work out your goals and values for your future years. They can't offer information on how you can reduce your home loan using  tax minimisation strategies and effectively structuring of your affairs.

Do yourself a favour - don't pay the Lazy Tax. Save money by talking to us.  Not just today but on a regular basis.  Be involved in your finances by investing the time to have the right professionals available to you.

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Skye Frost, Varsity Lakes

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