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Pay your mortgage off quicker

Small changes to the way your home loan is set up can make a big difference over time.

Paying your mortgage off quicker can open the door to investing, upgrading, renovating or simply enjoying greater financial freedom.

Want to pay your mortgage off quicker?

Contact us about how to pay mortgages off faster.

We love hearing about your goals and plans for your home and investments. There are often simple changes that, when combined, can help you pay your mortgage off much sooner.

Some options we can explore include:

Increasing your repayments above the minimum
Making lump-sum repayments when you can
Keeping repayments the same when interest rates drop
Gradually bumping up repayments over time
Consolidating higher-interest debt
Creating a clear household budget
Refinancing to a more suitable lender
Using revolving credit or offset structures

Get in touch and let’s review how your loans are structured and how we can help you pay your mortgage off faster.

From the blog - Paying off your mortgage faster

Tips to repay your mortgage faster

January 27th 2025Each time a payment comes out for your mortgage repayments, it feels like it is a never ending flow of money from your account and if you're near the start of your mortgage, 30 years seems like aRead more

Should You Pay Off Your Mortgage Early? Exploring the Pros and Cons

August 15th 2024Paying off your mortgage early is a common financial goal for many homeowners. The idea of being mortgage-free is undeniably appealing, offering freedom from monthly payments and the flexibility to uRead more

Should I accept new home loan interest rates through my online banking?

May 2nd 2022If you have a fixed rate expiring in the next 6 to 8 weeks, your bank should have provided you with rates in your internet banking. These are the best rates that are available and we’re happyRead more

Lazy Loans - What are they & how can My Mortgage help?

April 23rd 2021A lazy loan is a loan that is not performing as best as it could be for you. Often, we find that when people are changing loan structures or loans are expiring, or they are buying and selling newRead more

Long Term Fixing - Is Now the Time?

April 20th 2021For the last few years, we have been advising people to fix their home loans for shorter loan terms to take advantage of the downward trending interest rates, but it looks like we might be nearly atRead more

The Risk of Fixing Your Home Loan

April 8th 2021We have seen over the last year or so that rates have trended down and rates have looked attractive on both the shorter terms and longer terms, so we wanted to have a quick chat to help youRead more

Getting your low equity margin removed.

February 23rd 2021When you get a home loan at more that 80% Loan to value ratio (Find out more about LVR's here) the banks charge you a bit extra for the privilege of borrowing that money when you have a smallerRead more

Why we don’t often suggest splitting your fixed rates

October 20th 2020I'm going to throw a cat amongst the pigeons of conventional wisdom here but I'd like to put it out there that I'm not a fan of splitting your fixed rates by fixing over different terms. What is thisRead more

What type of "Advice" can you get from a mortgage broker?

April 29th 2020You’re absolutely smashing it. You’ve got your pre-approval, have made an offer and met all the conditions on your agreement. Now it’s time to confirm your agreement unconditional, and BOOM - Read more

Our thoughts on if to fix or float - Fix for a year

September 12th 2019At the risk of oversimplifying things... I believe the best thing you can be doing right now is to fix your home loan for 12 months. ANZ came out last week saying they saw another at least two or maRead more

Is your Home Loan still floating? We need to talk!

September 12th 2019If you've got a home loan which is sitting on floating and you've been getting around to fixing it... or perhaps a fixed loan expired and has just rolled on to floating then this message is reallyRead more

The financial life cycle & how it works

August 9th 2019As you can imagine, we get the pleasure of helping people all across the financial spectrum... From people with no deposit and a dream of owning a home, right through to those with 20 or 30 rentalRead more

Let's make a plan

Get in touch today to find out what’s possible... no pressure, no jargon,
just real advice.

We can connect in person, via phone, online or email.

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