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Pay off your Home Loan sooner at optimal payment frequency
It is universally recognised by industry, consumer groups and regulators, that the fastest way to pay off a home loan is to make the maximum repayment at the optimal frequency. This is because interest on mortgage loans is typically calculated daily and charged monthly in arrears.
About Transactional Loans

Transactional Loans enable you to make the maximum repayment on a home loan at the optimal payment frequency, and to generate offset savings, by using the loan in accordance with a pre-determined interest minimisation strategy, whereby all income and expenses are transacted from a loan.

Subject to the effect of interest rates and fees charged, Transactional Loans enable home loans to be paid off faster when used in accordance with the interest minimisation strategy. Read More

Find out if a Transactional Loan will generate savings for you. Try our Express Simulator! It takes less than 3 minutes to find out if a Transactional Loan could generate savings for you!
The eTracka Express Simulator
Non-Transactional Loans eTracka

Non-Transactional Loans may be paid off sooner by making higher payments more frequently.

Try our Loan Calculator!
How much could you save?

The eTracka Express Simulator
Assumptions & Disclaimers
eTracka - Financial Literacy Spelt Badly

eTracka Loan Products
Your level of success will correspond directly with your ability to manage your spending decisions.

eTracka enables you to project and track your savings.

Refinance your Loan - Costs and Strategy
Any decision to refinance to a new loan facility should consider the costs of the
refinance
, and always seek the lowest interest rates and fees for the type of loan you require.

Whilst it should not be assumed that a Transactional Loan will outperform a Non-Transactional Loan in terms of interest savings when the interest rate of the Non-Transactional Loan is lower than the Transactional Loan, it should also not be assumed that Transactional Loans have higher interest rates than Non-Transactional Loans.

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