Pay off your home loan sooner.
We help home owners, investors and first home buyers across Australia find a sharper rate — then we keep negotiating it down every six months.
Most brokers find you a loan. We help you leave it.
Our entire approach is built around getting you out of debt — not locking you into the longest loan.
We review your loan every 6 months — and negotiate a sharper rate with your lender.
Set and forget loans cost Australians thousands. Our 6-monthly check-in keeps you on the best rate your lender can offer.
Pay your loan off sooner
Tailored strategies — offset, repayment timing, lump-sum modelling — designed to shave years off your loan term, not just to settle the paperwork.
See the strategy →Compare 30+ lenders
Big four banks, mutuals, non-banks — all in one place. We're paid the same regardless, so the recommendation is actually for you.
Compare loans →See today's sharpest rates across 30+ lenders.
| Lender / product | Variable rate | Comparison rate | Monthly | Features | |
|---|---|---|---|---|---|
 Macquarie Basic
Owner occupied · LVR ≤ 80%
|
5.64% p.a.
|
5.66% p.a.
incl. fees
|
$3,749
P&I, 30y
|
Best for refi
Offset
Redraw
|
Enquire |
 Mortgage Simplifier
No annual fee
|
5.68% p.a. |
5.78% p.a.
incl. fees
|
$3,766 P&I, 30y |
Offset
Free redraw
|
Enquire |
 Simplicity PLUS
Big 4 · cashback eligible
|
5.79% p.a. |
5.99% p.a.
incl. fees
|
$3,815 P&I, 30y |
$2,000 cashback
Offset
|
Enquire |
 Wealth Package
Standard variable
|
6.04% p.a. |
6.42% p.a.
incl. fees
|
$3,925 P&I, 30y |
Offset
Wealth pkg
|
Enquire |
A simpler path from where you are to mortgage-free.
Tell us your story
15-minute call. We learn your goals, income, current loan and what "sooner" looks like for you.
We shop the market
30+ lenders on our panel. We surface the 3–4 products that genuinely fit you — and why.
We handle settlement
Paperwork, valuations, lender chasing. You get email updates, not chase calls.
We don't disappear
Every 6 months we re-negotiate your rate with your lender — and tell you if a switch beats staying.
The rate you sign isn't the rate you keep. It should be sharper.
Twice a year we compare your current rate against today's market — and pick up the phone to your lender on your behalf. Most clients shave 0.15–0.45% off their rate without switching banks.
A few thousand thank-you notes.
Jon Mardell.
Founder of MortgageFree and credit adviser since 2003. Jon has personally guided over 1,000 Australian families through their home loan — from first-home jitters to investor refinances to the moment the loan is finally paid off.
We compare the big four alongside the sharp non-banks.
Tell us your story. We'll do the rest.
A 15-minute call, an honest read on where you stand, and a clear next step. No pressure, no obligation, no broker fees.