1) Choose Your Repayment Frequency
- Match your pay cycle (weekly/fortnightly/monthly) for smoother cash flow.
- Some lenders calculate interest daily — more frequent payments can trim interest marginally.
2) Set and Verify Direct Debit / BPAY
- Provide correct BSB/account or BPAY details; keep lender reference handy.
- Confirm first payment timing and cut‑off dates to avoid accidental late marks.
3) Add Small Extra Repayments
- Even $10–$25 per period reduces total interest; use our calculator to visualise savings.
- Check redraw/extra rules to avoid fees on certain products.
4) Monitor & Adjust
- Review annually: term remaining, interest paid, and opportunities to refinance.
- Keep a buffer in the funding account to absorb timing differences.