Free · No obligation

Pay off your home loan years early

Watch how everyday Australians use tax, structure and the money
they already have to wipe out the mortgage years early — at your own pace, no pressure.

Mortgage Mastery Program
Watch the video to learn more

See what your loan is really costing you

Change the three numbers below to your own. Takes five seconds and nobody asks you for anything.

Enter your numbers ↓
$
%
yrs
Problem

What it is costing you now

Total you repay
The loan itself
Interest on top
Principal Interest

Interest, every month
Interest, every day

Book a call and we will show you how much of that you can take back.

$20k
The $20,000 Guarantee We are confident enough to put it in writing. Do the three things we agree, and your loan comes down by at least $20,000 in the first twelve months — or we pay you $10,000. No other mortgage program in Australia backs itself like that.
See terms & conditions
Richard Houston, founder of Fintrack
Richard Houston — Founder Twenty years in lending. I have sat across from hundreds of people doing everything right and still going nowhere, because nobody ever showed them the number. When you book, you speak to me personally. Fifteen minutes, no cost, and if the plan will not work for you I will tell you on the call.
What happens on the call

Fifteen minutes. Four things.

No slides, no pitch deck, no homework. You do not need to prepare anything or work anything out before we speak.

1

We find your true savings

Not what you think you save — what actually stays. We go back through the last three months together and find the real number. Most people are surprised, in both directions.

2

We find the money you are not using

Insurance you have not re-quoted. A rate nobody has asked to have repriced. Tax coming out monthly that may not need to. The wrong loan structure. This is stopping leaks, not cutting back.

3

We show you the date

Your loan, your rate, your numbers — and the year you would actually be free of it. Then the same thing again with one income-producing asset in the plan, so you can see the difference.

4

You decide, or you do not

You keep the number either way. If the plan will not work for you, I will tell you on the call rather than sell you something that does not fit.

The strategy

The whole strategy, start to finish

No jargon, no obligation — just the plan, explained simply.

Turn bad debt into wealth

Why your home loan is the enemy, and why it costs about $2 for every $1 you borrow.

The four-step strategy

Your true savings, the right loan structure, new savings, then income assets — all onto the loan.

Five legal tax levers

How depreciation, structure and the CGT discount turn a property into a cash engine.

Pay off in five to ten years

Watch a long loan compress when the surplus is redirected the right way.

The Mortgage Mastery Program Guarantee

At least $20,000 off your home loan in twelve months, or we pay you $10,000.

Three things have to happen. Do them and the number is yours in writing.

1You are already putting $500 a month aside. We redirect it onto the loan.
2We create another $500 a month from budgeting, structure and tax.
3One investment property adds $500 a month net, straight onto the loan.
4Your home loan is $400,000 or more.
5You hold the plan for the full twelve months.

That is $18,000 of extra principal in year one, on top of your normal repayments. Full terms apply.

Real people

It is not really about the numbers. It is about peace of mind.

What it feels like to go from lying awake worrying to finally feeling in control.

“I used to lie awake doing the sums in my head. For the first time in years, I actually sleep.”
A
AmandaBrisbane, QLD
“We went from dreading the future to feeling genuinely hopeful — like we’re building something for our kids.”
M
MeganSydney, NSW
“The stress just lifted. I feel calm and in control of our future instead of scared of it.”
J
JarnisPerth, WA
Next step

You have seen what it costs. The call is where we change it.

Fifteen minutes with me. We go through your loan, your position and what is actually possible — and you leave with a date, whether you work with us or not.

No cost. No obligation. And if the plan will not work for you, I will tell you on the call.

Book a free call