I want to pay this off faster
Years off the loan, not just cents off the rate.
The rate gets all the attention, but structure and habit are what actually shorten a mortgage. Small changes made early — the right accounts, the right repayment rhythm — compound into years saved and a great deal of interest never paid.
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How we take years off
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01
Audit
Where every dollar currently goes, and how much of each payment is actually reaching the principal.
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02
Restructure
The loan resplit so the flexible portion matches what you can genuinely throw at it.
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03
Habit
Payment frequency and accounts arranged so progress happens without you thinking about it.
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04
Review
A standing check-in, because the plan that suits this year rarely suits the next one.
How we take years off a loan
- Moving from monthly to fortnightly payments
- Keeping payments level when rates fall
- An offset or revolving portion sized to your balances
- We understand your financial position and let you know how much you can add to your repayments — try our extra repayments calculator
- Reviewing the split at every fixed-rate expiry
Nobody has ever been talked into paying a mortgage off early by a rate. It happens when the structure quietly does it for them.
Pay Off Faster, answered
It depends on discipline. Offset suits people who keep savings separate; revolving credit suits people who run everything through one account and never dip below the line.
Most lenders allow a set amount each year without penalty. Beyond that a break cost applies, which is exactly why we leave part of the loan floating.
Yes, and not for mystical reasons: fortnightly payments mean twenty-six half-payments a year, which is thirteen monthly payments rather than twelve.
Every extra dollar you put on the mortgage saves you interest at your mortgage rate — a reliable, guaranteed return. Whether an investment beats that is a conversation worth having with your accountant.
