My Mortgage Minimiser

At Melbourne Mortgage Advice, we know there’s no shortage of complicated strategies promising to help you ‘own your home faster.’ But often, simple is best and that’s exactly what our Mortgage Minimiser Program delivers.

After years in finance, we’ve seen what truly works. Many programs are aggressive, overly complex, or only effective for a select few. Our minimiser strategy is designed for real people with real goals.

As a valued Melbourne Mortgage Advice client, you’ll receive complimentary access to this program. We handle the legwork, reviewing your loan, guiding your structure, and checking in regularly so that your home loan works efficiently in the background.

The Process

1. Review Your Loan Structure

We start by reviewing your current mortgage and advising on a structure designed for faster loan reduction.

Use a simple, “set and forget” structure to automate your repayments
Separate your loan from everyday banking to reduce mental load and temptation
Set up salary splits to direct repayments straight into your loan or offset
Remove the noise, a self-operating system gives peace of mind

Once we implement your structure, you can relax knowing the system’s working for you

2. Set a Repayment Budget

Paying even a little extra can make a big difference and we’ll show you how.

Set and automate extra repayments above the minimum
Learn how small, consistent top-ups help reduce your interest
Let the system do the work while you stay focused on life, not debt

We’ll guide you on how much to pay and how often to optimise your loan without the stress.

3. Review Your Safety Net

Owning your home is great, keeping it is essential. We help ensure you’re protected if life throws you a curveball.

Assess your income protection and insurance cover
Plug any gaps that could put your family or property at risk
Structure support around your needs, not just a policy template

We help protect your home in the event of lost income, illness, or worse so you don’t lose what you’ve worked hard for.

4. Keep the Banks Honest

Interest creep is real and lenders don’t always offer you their best. We review your rate every 6 months to ensure it remains competitive.

Negotiate with your lender on your behalf
Advise if and when it’s time to refinance (without starting the loan over!)
With the availability of Open Banking we can monitor your loan balance and interest rate daily. Arming us with the most up to date information to keep your interest rate competitive to market while keeping your lender honest.

Simple, Powerful, Stress-Free

You’ll be surprised how effective this is and how little you have to do once it’s set up. We’ll monitor your plan, keep things running, and step in when needed.

You enjoy the results. We manage the strategy.

My Mortgage Minimiser

The Process

Not sure where to start?

This website uses cookies.