Imagine owning your home outright — no mortgage, no repayments — in just 7 to 10 years. It’s not a dream; it’s a goal that many Australians achieve with smart planning and discipline. Here’s how you can take control of your loan and fast-track your path to financial freedom.
Make repayments more often
Switching from monthly to fortnightly repayments means you’ll make the equivalent of one extra monthly payment per year — shaving years off your loan and saving thousands in interest.
Use an offset account wisely
An offset account links directly to your home loan. Every dollar sitting in it offsets your loan balance, reducing the interest you pay. Keep your income and savings in your offset account for maximum impact.
Review and refinance regularly
Interest rates and loan products change often. Reviewing your loan every 1–2 years ensures you’re still getting the best deal. Even a small drop in your rate can make a big difference over time.
Put extra cash to work
Bonuses, tax returns, or pay rises? Use them to make extra repayments. These one-off contributions can fast-track your progress and give you a real sense of momentum.
The power of a clear plan
Paying off your loan early isn’t about luck — it’s about strategy. With the right setup, support, and consistency, financial freedom can come sooner than you think.
Want to create your 10-year home loan plan?
Book a chat with us → we’ll help you map it out step by step.