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The right home loan and loan features will always affect your ability to pay off your mortgage faster and the amount of money you save.
This will be dependant on your individual situation and your future finance needs, a good mortgage broker can help assess home loan features that match your needs.
We recommend you contact a Adviser Home Loan consultant for further information or before making any decisions. They will talk to you about your specific situation and needs, and guide you through the whole process.