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$28,000","image":{"@type":"ImageObject","height":450,"url":"https://static.ffx.io/images/$zoom_0.2705%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_1%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e","width":800},"keywords":"","mainEntityOfPage":{"@id":"https://www.brisbanetimes.com.au/property/news/how-to-turn-your-2000-tax-cut-into-28-000-20240627-p5jpam.html","@type":"WebPage"},"publisher":{"@type":"Organization","logo":{"@type":"ImageObject","height":"628","url":"https://www.brisbanetimes.com.au/brisbanetimes-2023.png","width":"1200"},"name":"Brisbane Times"},"isAccessibleForFree":false,"hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".paywall"},"isPartOf":{"@type":["CreativeWork","Product"],"name":"Brisbane Times","productID":"brisbanetimes.com.au:webonly"}}</script><title data-rh="true">Stage three tax cuts: How much home owners can save on their mortgage by using tax cuts to pay down 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data-testid="category"><a title="News" href="/property/news">News</a></li><li class="_1pMb9" data-testid="tag-name"><a title="Financing" href="/topic/financing-1nq2">Financing</a></li></ul><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.brisbanetimes.com.au/property","name":"Property"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.brisbanetimes.com.au/property/news","name":"News"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.brisbanetimes.com.au/topic/financing-1nq2","name":"Financing"}}]}</script></div><p class="CpcU1"><span>This was published 5 months ago</span></p><h1 data-testid="headline" itemProp="headline">How to turn your $2000 tax cut into $28,000</h1></div></div></header><section class="_3OhA4"><div class="_2h56q _2bGxr"><div class="_3J1te"><h5 class="_3-xPQ"><span class="_3pGt1">By </span><span><span data-testid="byline"><a href="/by/jemimah-clegg-gy91u7" title="Articles by Jemimah Clegg">Jemimah Clegg</a></span></span></h5><div class=""> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-06-28T05:00:00+10:00">June 28, 2024 — 5.00am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://brisbanetimes.myfairfax.com.au/channel/7SMsQ6jjgIqPyo9XFzdzWg/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.brisbanetimes.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div><div><div aria-hidden="true" class="_1lwFz WUf_a _1pHo1" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="_2YSi8 _17BTN _3_hLE" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="_2Cn91"><div class="_2KkCz"><button class="_30X7v _2-NUy" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="_3Rq_0" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="vnWOX"><header><h2>Property listings</h2></header><div id="dg-recommended-listings"></div></div><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Home owners could save up to $50,000 on their mortgages thanks to the stage 3 tax cuts, and experts say using the cash to pay down debt offers a guaranteed return.</p><p>By putting next financial year’s tax savings into a home loan in a lump sum payment, a worker on an average income of about $98,000 with a home loan of $500,000 could save $14,344 in interest, the analysis by comparison platform Canstar showed.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.148%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e, https://static.ffx.io/images/$zoom_0.148%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.148%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e, https://static.ffx.io/images/$zoom_0.148%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e 2x" height="512" width="768"/><img alt="Home owners can cut their interest bill by paying their tax cut into their home loan. " src="https://static.ffx.io/images/$zoom_0.148%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.148%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e, https://static.ffx.io/images/$zoom_0.148%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/3bb419b9d23c14e810a4d4b5c9dfb5a23b4f6d4e 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Home owners can cut their interest bill by paying their tax cut into their home loan. </span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Nikki Short</cite></p></figcaption></figure><p>For couples each on the average income the saving was $28,228, but for a couple on a higher income of $150,000 a year each, the saving was $48,161 on a $500,000 loan and $49,501 on a $1 million loan.</p><p>“You almost can’t go wrong by putting extra into your loan,” Canstar finance expert Steve Mickenbecker said. “Most loans these days have redraw, and redraw means that if you’ve made extra repayments and you decide you need the money anyway you can pull it back out.”</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>The analysis was based on a 30-year loan with an average interest rate of 6.87 per cent, and only considered the savings when contributing one year’s worth of tax cuts.</p><p>However, if the same extra repayments were applied every year over the life of the loan, the savings for a single mortgagee were more than $117,000 and roughly $196,000 for a couple, 360 Financial Strategists co-founder Billy Amiridis said.</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/Uofit/1/" title="Embedded iFrame"></iframe></div></div><p>“It reduces your loan balance faster if you put money into your loan or offset account as often as you can,” Amiridis said. “By putting that extra cash you’re saving on tax into your loan, a single person pays it off four years and four months earlier, and for a couple it’s seven years and five months.”</p><p>He said those who could afford to should treat that money as though it wasn’t part of their income and avoid “lifestyle creep” – the tendency for people to spend more if they began to earn more.</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos99-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>LBW business and wealth financial adviser Aaron Hitch said another reason people should use their tax saving to bring their interest down was the stubbornly high interest and inflation rates.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>“We’ve just seen a <a href="/link/follow-20170101-p5joqe">spike in inflation</a>, which has prompted more discussion around future interest rate rises,” Hitch said. “So if there was ever a time when people want to pay more off their mortgage, this is it.”</p><p>He said that while there may be other ways to invest the extra cash that could yield higher returns, paying down a home loan offered an assured outcome.</p><p>“When you compare it to investing, you’re getting a guaranteed outcome – paying money off your mortgage,” he said. “Depending on what your interest rate is, it’s a guaranteed return on your money.”</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Amiridis agreed, and both he and Hitch thought it was beneficial to have pay packets directed into a mortgage offset account and to use that account as an everyday bank account.</p><p>“An offset account attached to your mortgage makes your money accessible, but it’s still working towards paying down more of the principal of your loan, which brings your interest down over time,” Amiridis said.</p><div class="_6ebFV noPrint"><div class="_15gOL AkZ3C"><iframe class="_16-Dw AkZ3C LntZY" data-testid="embed-iframe" frameBorder="0" height="157" data-src="https://datawrapper.dwcdn.net/IWY8S/1/" title="Embedded iFrame"></iframe></div></div><p>Mickenbecker said first home buyers could also benefit from the tax changes, as they would have more borrowing power than before. He said it was important for those who had already been given pre-approval to update their incomes with their banks to reflect the new tax rates.</p><p>“If you’re right on the cusp of borrowing right now, your payslips are going to show the old tax rate. Your payslips in three weeks’ time or four weeks’ time will start to show the lower tax rate,” he said. “So you just want to make sure that the bank is factoring in the difference in the two tax levels.”</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Along with contributing their take-home top-up to their mortgage, people should also shop around for a better interest rate, Mickenbecker said.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.142%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_86%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295, https://static.ffx.io/images/$zoom_0.142%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_62%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.142%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_86%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295, https://static.ffx.io/images/$zoom_0.142%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_62%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295 2x" height="512" width="768"/><img alt="Home owners who avoid ‘lifestyle creep’ will have thousands of dollars extra a year to pay down debt." loading="lazy" src="https://static.ffx.io/images/$zoom_0.142%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_86%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.142%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_86%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295, https://static.ffx.io/images/$zoom_0.142%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_5/t_crop_custom/q_62%2Cf_auto/2383ffca76db129c5b094262eac76b0d49ceb295 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Home owners who avoid ‘lifestyle creep’ will have thousands of dollars extra a year to pay down debt.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Jason South</cite></p></figcaption></figure><p>“People should always look at getting into a lower price loan if they can possibly qualify for one,” he said. “Not everyone can at the moment because they’re doing it tough. But you’re miles ahead if you actually do that and get into a lower interest rate. And if you possibly can continue your repayments at the old rate, then you really do get ahead.”</p></div></div><div class="noPrint"><div></div><div></div></div><div class="CBSIP"><div class="_1GjZU" id="dg-membership"></div></div><div id="embedded-feedback"></div><div class="_22FRK _2spQv"><section class="aKWhn noPrint" id="endOfArticle"><div class="dLGbc"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://brisbanetimes.myfairfax.com.au/channel/7SMsQ6jjgIqPyo9XFzdzWg/members/signups/new?callback_uri=">register</a> or <a 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will have extra cash in their pay packets from next week, but beware the siren song of \\u201Clifestyle creep\\u201D.\",\"allowComments\":true,\"body\":\"<p>Home owners could save up to $50,000 on their mortgages thanks to the stage 3 tax cuts, and experts say using the cash to pay down debt offers a guaranteed return.</p><p>By putting next financial year\\u2019s tax savings into a home loan in a lump sum payment, a worker on an average income of about $98,000 with a home loan of $500,000 could save $14,344 in interest, the analysis by comparison platform Canstar showed.</p><x-placeholder id=\\\"d065d66fc5db4ffd61291bd46d17b29e09f49b00\\\"></x-placeholder><p>For couples each on the average income the saving was $28,228, but for a couple on a higher income of $150,000 a year each, the saving was $48,161 on a $500,000 loan and $49,501 on a $1 million loan.</p><p>\\u201CYou almost can\\u2019t go wrong by putting extra into your loan,\\u201D Canstar finance expert Steve Mickenbecker said. \\u201CMost loans these days have redraw, and redraw means that if you\\u2019ve made extra repayments and you decide you need the money anyway you can pull it back out.\\u201D</p><p>The analysis was based on a 30-year loan with an average interest rate of 6.87 per cent, and only considered the savings when contributing one year\\u2019s worth of tax cuts.</p><p>However, if the same extra repayments were applied every year over the life of the loan, the savings for a single mortgagee were more than $117,000 and roughly $196,000 for a couple, 360 Financial Strategists co-founder Billy Amiridis said.</p><x-placeholder id=\\\"a93ef50f02ef82ad9ef8d78acb59642f02e1f98e\\\"></x-placeholder><p>\\u201CIt reduces your loan balance faster if you put money into your loan or offset account as often as you can,\\u201D Amiridis said. \\u201CBy putting that extra cash you\\u2019re saving on tax into your loan, a single person pays it off four years and four months earlier, and for a couple it\\u2019s seven years and five months.\\u201D</p><p>He said those who could afford to should treat that money as though it wasn\\u2019t part of their income and avoid \\u201Clifestyle creep\\u201D \\u2013 the tendency for people to spend more if they began to earn more.</p><p>LBW business and wealth financial adviser Aaron Hitch said another reason people should use their tax saving to bring their interest down was the stubbornly high interest and inflation rates.</p><x-placeholder id=\\\"2d0e52b963cdd0e3e6b8f039abdab561c9c77dcb\\\"></x-placeholder><p>\\u201CWe\\u2019ve just seen a <x-placeholder id=\\\"f1dfb3fc6a9f11db36e8f3ee17348d5e035dded3\\\"></x-placeholder>, which has prompted more discussion around future interest rate rises,\\u201D Hitch said. \\u201CSo if there was ever a time when people want to pay more off their mortgage, this is it.\\u201D</p><p>He said that while there may be other ways to invest the extra cash that could yield higher returns, paying down a home loan offered an assured outcome.</p><p>\\u201CWhen you compare it to investing, you\\u2019re getting a guaranteed outcome \\u2013 paying money off your mortgage,\\u201D he said. \\u201CDepending on what your interest rate is, it\\u2019s a guaranteed return on your money.\\u201D</p><p>Amiridis agreed, and both he and Hitch thought it was beneficial to have pay packets directed into a mortgage offset account and to use that account as an everyday bank account.</p><p>\\u201CAn offset account attached to your mortgage makes your money accessible, but it\\u2019s still working towards paying down more of the principal of your loan, which brings your interest down over time,\\u201D Amiridis said.</p><x-placeholder id=\\\"44ed2615d6c3f775cb9f55d67739e5d17795befc\\\"></x-placeholder><p>Mickenbecker said first home buyers could also benefit from the tax changes, as they would have more borrowing power than before. He said it was important for those who had already been given pre-approval to update their incomes with their banks to reflect the new tax rates.</p><p>\\u201CIf you\\u2019re right on the cusp of borrowing right now, your payslips are going to show the old tax rate. Your payslips in three weeks\\u2019 time or four weeks\\u2019 time will start to show the lower tax rate,\\u201D he said. \\u201CSo you just want to make sure that the bank is factoring in the difference in the two tax levels.\\u201D</p><p>Along with contributing their take-home top-up to their mortgage, people should also shop around for a better interest rate, Mickenbecker said.</p><x-placeholder id=\\\"af7545b9f2e769fbc76ceefa55533882dd99925e\\\"></x-placeholder><p>\\u201CPeople should always look at getting into a lower price loan if they can possibly qualify for one,\\u201D he said. \\u201CNot everyone can at the moment because they\\u2019re doing it tough. But you\\u2019re miles ahead if you actually do that and get into a lower interest rate. 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