Desley Taylor
speaker
34 appearances
1 recordings
1 series
first heard Jan 2026
last heard 28 Jan
Desley Taylor’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.
Appearances
If your mortgage is sitting at 500 and if you've got $20,000 collectively in your bank accounts that are linked as an offset, you will only pay interest on the difference.
So interest is calculated daily, charged monthly.
So the more you have in your offset accounts, the less interest you will actually then pay on your home loan.
So basically, the more you have in one, the less interest you will pay on another.
So it is vital that you know that all of your accounts are linked.
So every dollar that you have is working for you.
This is a crucial mistake.
Unfortunately, it will always come back to a customer error.
No one will ever take responsibility.
However, 99% of the time, it's admin error from the banking sector when a new loan is set up.
when a refinance is completed.
It's basically, unfortunately, admin errors where, and nine times out of 10, human error where someone has not linked the offset account to the home loan in the background.
Now, this is generally done from the banking position as soon as settlement is completed.
Therefore, I tell all of my clients and I take the responsibility personally now due to experiences of this in the past to make sure that we follow up with the lender or we instruct the client to follow up with a lender a week after settlement to ensure all of the accounts are linked.
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