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 18 lenders
Big four banks, mutuals, non-banks — all in one place. Even if you change lenders you still retain your relationship manager with us, so the recommendation is actually for you.
Compare loans →See today's sharpest rates across 18 lenders.
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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
18 lenders compared. 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.
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.