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I would think if you put exactly the same amount under their system into an offset, you would be better off with the offset as your fees will be less and 'costs matter'. You've mentioned discipline, if that's what's required and you don't have any maybe this group is an option, but its not free

Thanks Are there extra charges for setting up and administering the "mortgage reduction", "mortgage minimization" or "debt reduction scheme"? Its essentially just paying more off your mortgage

Don't Crown use Prudential or someone similar, so they have control of the finance and process:confused: