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Every newspaper story and TV report tells us that no one is doing well with their mortgage, people are on the breadline, thousands are being thrown out of their homes after missing impossibly high mortgage payments. Well its not the case for everyone. There are some people who own a mortgage who are actually making mortgage savings, not mortgage losses. Because they are using their money to offset their mortgage repayments, the more they save, the lower their rate. So ignore the doom and gloom and begin to dream of mortgage savings, choose an offset as your next home finance.

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