01/09/2026
"Everyone should be playing their mortgage weekly where possible, shouldn't they?"
If you have an offset account, cadence is irrelevant. The cash is already doing the work.
What actually stops you getting approved is the loose consumer debt people forget about. The Afterpay account used twice a year, or the interest-free card sitting open from a store purchase half a decade ago.
Matthew Stammers from Mortgage Choice Mt Pleasant joins Kirstin Dunn on the latest episode of the Semple Property Playbook to break down what actually matters when structuring a loan.