Pay off your home loan faster
Own your home outright and enjoy a mortgage-free lifestyle sooner
Tired of home loan "hacks"?
The fact you're here says that you're serious about breaking free from mortgage debt. We assume you're already doing the usual "home loan hacks" and ready for tailored advice that delivers freedom faster.
If so, keep reading...
We don't just get you into a great home loan. We get you out of it, too.
Buying a home is the biggest investment most people make in their lifetime.
Getting into the property market can open the way to wealth and financial independence, but it is not a set-and-forget decision. In New South Wales, the average home loan borrower is looking at monthly repayments of more than $5000, and total interest charges of more than a million dollars.
But when mortgage debt is managed properly, your home loan can open the way to wealth and financial freedom.
Belinda Slater
Home Loan Specialist
Paying your way out of debt doesn't work like it used to
The challenge facing Australians is that traditional methods of interest reduction don't work like they used to. High home prices, coupled with rising interest rates and the cost of living pinch, leave borrowers with little spare cash to reduce their loan balance faster.
IMPORTANT NOTICE & DISCLAIMER: This information is general in nature and does not take into account your personal circumstances. Please get in touch with us to speak with a lending expert. Do not make any decisions before seeking professional advice.
Increase your loan payment frequency
Switching from monthly to fortnightly payments is equivalent to making an extra monthly payment over the course of a year. Some lenders also provide the option of weekly repayments.
Make extra or higher repayments
Extra repayments come off your principal, which reduces the interest you owe. Some loan products (e.g., fixed interest) may not allow extra payments or may impose a cap.
Keep spare cash in an offset account or redraw facility
Got spare cash? The balance of any savings (offset) or extra payments (redraw) come off your principal and therefore reduce interest exposure. Not all loan products include these features.
Refinance to a lower interest rate
Refinancing to a lower rate can lower your payments. Alternatively, maintain your previous repayment amount to shorten the loan's duration.
Looking for faster results?
A customised strategy? Better tax efficiency? An expert broker who can contribute to your financial advisory team? You've come to the right place. We help create customised strategies that utilise an investment property or portfolio to pay off your home loan sooner.
Instead of cutting a couple of years off your mortgage, we aim to see you break free from your primary residence home loan in about half the remaining time and save hundreds of thousands of dollars in process. Most importantly, with minimal out of pocket costs along the way.
Christopher Jonson
Managing Director & Principal Broker
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