@dymesgirl Yeah step 1 go on a mortgage calculator. Step 2 after you have entered your mortgage info proceed to play with the extra repayments per month till loan term is a third, if you have a offset find calc that includes it and treat extra repayments as what you offset increases by. Step 3. Understand what you can achieve easily vs effort and where that lands you it will give a good picture. Then it is about your own circumstances on how to achieve it. Credit card to maximise period your money is offsetting the loan or paying into the loan. If $ is tight then do the extra payment after the repayment is debited. The banks your landlord now but be happy your rent pays for your asset and not someone else's
