In September 2016 Jono and Megan started the journey of purchasing a section and then built their first house, wind the clock forward to February 2019 they popped in to the dm office to discuss loan structure, fixed and floating rates and debt reduction options. Megan and Jono had their own idea’s as to what they wanted to do with their loans, which Darrin listened to and discussed strategies that he had used in the past for other clients which were applicable to their financial position. With this information Megan and Jono decided on a structure that decreased the term of the loan, gave them the ability to complete lump sum payments without any cost and gave them stability of repayment for the fixed term loan. The key is the tailoring regarding their incomes and apportioning the right amount to the specific loans and having a goal which is SMART (specific, measurable, result and time bound).