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Offset Account · The offset feature lets you offset the amount of your low doc mortgage against the balance of another bank account. This helps you reduce the interest on your loan and pay off your loan faster. Additional Repayments · You can make extra repayments on your low doc mortgage. However, some lenders may charge a fee or limit the number of additional repayments. You can reduce your low doc home loan interest by making additional repayments. Redraw Facility · You can redraw the additional payments you have made on your low doc mort ...