ASIC-Compliant Tool
Post-loan optimization
You've settled — now make the loan work harder. Model extra repayments, simulate an offset, and let Barry flag the moment it's worth refinancing again.
Repayment optimizer
AUD
$35,000
$300
Base monthly
$3,791
With offset
$3,580
Est. interest saved
$59,714
Pays your loan off ~45 months sooner. Indicative only — confirmed by Barry before any restructure.
Refinance reminder
Watch rate movements
5.34%
Barry will personally call you when comparable lenders cross 5.34%.
Repayment trajectory
Cleared in ~289 mo
Modelled with monthly P&I from eligibility.ts. Indicative only — final strategy assessed by licensed broker Barry Rahme.
Annual review checklist
Rate vs. current market band
Offset utilisation > 60%?
Insurance still right for the asset
LVR change vs. property revaluation
Cashflow change (income / dependents)
Upcoming IO reversion