Audi Reportedly Plans to Launch Its First Full-Size 3-Row SUV Next Year
The upcoming Q9 will finally allow Audi to compete with plus-sized rivals such as the BMW X7 and Mercedes-Benz GLS.
- The Audi Q9 will be the brand’s first full-size three-row SUV, and it’s slated to launch sometime next year, per a report by Automobilwoche.
- The German news outlet recently interviewed Audi’s development head, Geoffrey Bouquot, who shared some details about the Q9 and next-gen Q7.
- With a Q9, Audi will finally have a large SUV to take on competitors like the BMW X7 and Mercedes-Benz GLS.
The Audi Q9 isn’t a thing—yet. However, the brand’s first full-size three-row SUV should make its debut sometime next year. That’s according to a report by Germany’s version of Automotive News, known as Automobilwoche, which recently interviewed Geoffrey Bouquot, head of Audi’s development team.
Bouquot reportedly said that the Q9, as well as the next-generation Q7 three-row SUV, will debut sometime in 2026. While we haven’t yet heard any official details from Audi about the Q9, it and the Q7 will reportedly ride on the brand’s new Premium Platform Combustion (PPC) architecture. That means they will offer internal-combustion engines, and hybrid technology should also be in the mix.
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We haven’t seen hide nor hair of the upcoming Audi Q9, but photos of prototypes have been circulating online. The photo above was shared on Instagram by wilcoblok, and it shows a camouflaged test mule on the Nürburgring Nordschleife. The adoption of Audi’s new design language, namely the grille and front lighting arrangement, can be partially seen through the disguise, though it’s hard to get an exact sense of the SUV’s proportions.
When the Q9 does eventually go on sale, it will finally allow Audi to compete with full-size luxury SUVs such as the BMW X7, Lexus LX, and Mercedes-Benz GLS.
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Offset Mortgage: Definition, Pros and Cons, Examples
Published on February 19, 2025, 8:47pm ET
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Homeowners use offset mortgages to reduce the amount of interest they pay by applying their savings balance against their mortgage debt. While this strategy can be beneficial for some, this type of mortgage setup may not be a good fit for you. Working with a financial advisor can help you determine how it aligns with your financial goals.
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How an Offset Mortgage Works
Offsetting a mortgage is a financial strategy that involves using savings to reduce the interest payable on a mortgage. This approach allows homeowners to link their savings account to their mortgage, effectively reducing the outstanding balance on which interest is calculated. This means that while you still have access to your savings, they work to reduce the interest you pay on your mortgage, potentially saving you a substantial amount over the life of the loan.
If you’re interested in using this strategy to finance your home, here are three common benefits:
- Interest savings: By linking your savings account to your mortgage, you can reduce the amount of interest you pay. The balance in your savings account is offset against your mortgage balance, which means you only pay interest on the difference.
- Flexible access to funds: Unlike traditional mortgages, offset mortgages allow you to access your savings whenever you need them. This flexibility can be particularly beneficial in managing unexpected expenses or taking advantage of investment opportunities without disrupting your mortgage plan.
- Potential for faster repayment: With the interest savings and the ability to make additional payments, you can potentially pay off your mortgage faster. This can lead to financial freedom sooner and reduce the total interest paid over the term of the loan.
But, like other financial strategies, you should also consider these three drawbacks:
- Higher interest rates: Offset mortgages often come with higher interest rates when compared with standard mortgages. This can negate some of the interest savings, especially if your savings balance is low.
- Limited availability: Not all lenders offer offset mortgages, which can limit your options. This may require more extensive research and comparison to find a suitable lender, potentially complicating the mortgage process.
- Complexity: The structure of offset mortgages can be more complex than traditional mortgages. Understanding how your savings impact your mortgage balance and interest payments requires careful management and financial literacy.
Offsetting a Mortgage vs. Paying Off a Mortgage
When deciding how to manage mortgage debt, homeowners often weigh the benefits of offsetting a mortgage against paying it early. Both strategies aim to reduce interest costs but differ significantly in approach and impact. Here are four key comparisons:
- Liquidity and accessibility: Offsetting a mortgage allows you to retain access to your savings, as they are not directly spent but rather offset against the mortgage to reduce interest. Paying off a mortgage, comparatively, involves using funds directly to reduce the debt, which ties up liquidity since the money is spent and not readily available.
- Interest savings: Both strategies reduce interest payments, but in different ways. Offsetting reduces the amount of interest calculated by lowering the effective mortgage balance. Paying off a mortgage reduces both the principal and the total interest that would have accrued over the life of the loan.
- Flexibility: Offsetting offers more flexibility as you can access your savings if needed. Paying off a mortgage, by comparison, locks in your funds, making them inaccessible without refinancing or selling the property.
- Financial goal alignment: Offsetting might be more appealing for those who value flexibility and potential tax advantages. Paying off a mortgage, on the other hand, is often favored by those aiming to reduce debt and financial simplicity.
