When it comes to managing your mortgage, the difference between paying it off in 30 years versus 20 years could come down to understanding two simple features that most homeowners overlook. If you're like most Australians with a mortgage, you're probably focused on making your monthly repayments and hoping for the best. But what if I told you that by using an offset account and redraw effectively, you could save tens of thousands of dollars and shave years off your loan?   Th