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@cbonetwobe Good point, I guess do the maths and work out the max you can repay as extra so that you see out that time, or just accept the clawback assuming it is less than the cashback itself

@thegreatgospel If you have to go with one of those, go with the 1 yr unless you think you would get rates that are 3% lower within 6 months. However, the right answer is to refinance your loan (sell it to a new bank). 2 yr rate of 6.89% offered by a few of the main banks is way better. Might...